Islamic Insurance

Qatar Islamic Insurance Group

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	111.45M	136.54M	89.22M	153.60M	143.04M
Free Cash Flow	107.41M	132.29M	84.82M	147.37M	141.98M
Capital Expenditures	-4.03M	-4.25M	-4.40M	-6.23M	-1.06M
Investing & Financing
Investing Cash Flow	-20.87M	-6.61M	-90.04M	-98.37M	-81.81M
Financing Cash Flow	-77.07M	-80.86M	-67.31M	-58.89M	-63.48M
Dividends Paid	-76.57M	-80.41M	-66.88M	-58.48M	-50.35M
Operating Activities
Operating Cash Flow	111.45M	136.54M	89.22M	153.60M	143.04M
Net Income	152.67M	128.46M	142.80M	101.34M	83.08M
Change Accounts Receivable Insurance	—	—	-15.99M	-29.47M	0.70M
Change in Unearned Revenue	5.65M	15.24M	—	—	—
Change in Working Capital	-33.86M	99.91M	8.89M	34.83M	-12.53M
Change Insurance Reserves Liabilities	-78.02M	49.44M	25.12M	94.77M	-42.27M
Change Other Net Oper Assets Insurance	5.02M	12.58M	22.94M	-0.46M	-8.44M
Other Operating Activities Insurance	10.76M	-83.10M	-71.89M	8.22M	45.23M
Depreciation & Amortization	2.39M	2.13M	2.19M	1.99M	2.05M
Other Amortization	15.45K	28.91K	47.51K	65.33K	127.88K
Cash Interest Paid	15.45K	28.91K	47.51K	90.52K	127.88K
Reinsurance Recoverable CF	33.50M	22.63M	-23.18M	-30.00M	37.48M
Miscellaneous Cash Flow Adjustments	—	—	—	25.19K	—
Investing Activities
Investing Cash Flow	-20.87M	-6.61M	-90.04M	-98.37M	-81.81M
Capex Insurance	-4.03M	-4.25M	-4.40M	-6.23M	-1.06M
Investment in Securities	-31.36M	-11.89M	-91.17M	-93.46M	-80.77M
Other Investing Activities	14.53M	9.53M	5.53M	1.51M	0.25M
Sale of Property, Plant & Equipment	1.94K	—	—	—	—
Gain Assets CF Insurance	-797	—	—	—	—
Loss (Gain) on Sale of Investments	-2.10M	0.06M	0.53M	5.77M	23.50M
Financing Activities
Financing Cash Flow	-77.07M	-80.86M	-67.31M	-58.89M	-63.48M
Common Dividends Paid	-76.57M	-80.41M	-66.88M	-58.48M	-50.35M
Long-Term Debt Repaid	-503.22K	-447.69K	-429.10K	-411.27K	-569.01K
Net Debt Issued Insurance	-503.22K	-447.69K	-429.10K	-411.27K	-569.01K
Other Financing Activities Insurance	—	—	—	—	-12.55M
Total Debt Repaid Insurance	-503.22K	-447.69K	-429.10K	-411.27K	-569.01K
Free Cash Flow & Returns
Free Cash Flow	107.41M	132.29M	84.82M	147.37M	141.98M
Free Cash Flow Growth	-18.8%	+56.0%	-42.4%	+3.8%	+63.0%
Free Cash Flow Margin	+20.3%	+21.4%	+22.8%	+42.9%	+49.1%
Free Cash Flow Per Share	0.72	0.88	0.57	0.98	0.95
Levered Free Cash Flow	117.88M	-362.89M	94.84M	109.44M	57.69M
Unlevered Free Cash Flow	117.89M	-362.88M	94.86M	114.45M	57.77M
Operating Cash Flow Growth	-18.4%	+53.0%	-41.9%	+7.4%	+59.8%
Net Cash Flow	13.51M	49.07M	-68.13M	-3.64M	-2.25M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	111.45M	136.54M	89.22M	153.60M	143.04M
Free Cash Flow	107.41M	132.29M	84.82M	147.37M	141.98M
Capital Expenditures	-4.03M	-4.25M	-4.40M	-6.23M	-1.06M
Investing & Financing
Investing Cash Flow	-20.87M	-6.61M	-90.04M	-98.37M	-81.81M
Financing Cash Flow	-77.07M	-80.86M	-67.31M	-58.89M	-63.48M
Dividends Paid	-76.57M	-80.41M	-66.88M	-58.48M	-50.35M
Operating Activities
Operating Cash Flow	111.45M	136.54M	89.22M	153.60M	143.04M
Net Income	152.67M	128.46M	142.80M	101.34M	83.08M
Change Accounts Receivable Insurance	—	—	-15.99M	-29.47M	0.70M
Change in Unearned Revenue	5.65M	15.24M	—	—	—
Change in Working Capital	-33.86M	99.91M	8.89M	34.83M	-12.53M
Change Insurance Reserves Liabilities	-78.02M	49.44M	25.12M	94.77M	-42.27M
Change Other Net Oper Assets Insurance	5.02M	12.58M	22.94M	-0.46M	-8.44M
Other Operating Activities Insurance	10.76M	-83.10M	-71.89M	8.22M	45.23M
Depreciation & Amortization	2.39M	2.13M	2.19M	1.99M	2.05M
Other Amortization	15.45K	28.91K	47.51K	65.33K	127.88K
Cash Interest Paid	15.45K	28.91K	47.51K	90.52K	127.88K
Reinsurance Recoverable CF	33.50M	22.63M	-23.18M	-30.00M	37.48M
Miscellaneous Cash Flow Adjustments	—	—	—	25.19K	—
Investing Activities
Investing Cash Flow	-20.87M	-6.61M	-90.04M	-98.37M	-81.81M
Capex Insurance	-4.03M	-4.25M	-4.40M	-6.23M	-1.06M
Investment in Securities	-31.36M	-11.89M	-91.17M	-93.46M	-80.77M
Other Investing Activities	14.53M	9.53M	5.53M	1.51M	0.25M
Sale of Property, Plant & Equipment	1.94K	—	—	—	—
Gain Assets CF Insurance	-797	—	—	—	—
Loss (Gain) on Sale of Investments	-2.10M	0.06M	0.53M	5.77M	23.50M
Financing Activities
Financing Cash Flow	-77.07M	-80.86M	-67.31M	-58.89M	-63.48M
Common Dividends Paid	-76.57M	-80.41M	-66.88M	-58.48M	-50.35M
Long-Term Debt Repaid	-503.22K	-447.69K	-429.10K	-411.27K	-569.01K
Net Debt Issued Insurance	-503.22K	-447.69K	-429.10K	-411.27K	-569.01K
Other Financing Activities Insurance	—	—	—	—	-12.55M
Total Debt Repaid Insurance	-503.22K	-447.69K	-429.10K	-411.27K	-569.01K
Free Cash Flow & Returns
Free Cash Flow	107.41M	132.29M	84.82M	147.37M	141.98M
Free Cash Flow Growth	-18.8%	+56.0%	-42.4%	+3.8%	+63.0%
Free Cash Flow Margin	+20.3%	+21.4%	+22.8%	+42.9%	+49.1%
Free Cash Flow Per Share	0.72	0.88	0.57	0.98	0.95
Levered Free Cash Flow	117.88M	-362.89M	94.84M	109.44M	57.69M
Unlevered Free Cash Flow	117.89M	-362.88M	94.86M	114.45M	57.77M
Operating Cash Flow Growth	-18.4%	+53.0%	-41.9%	+7.4%	+59.8%
Net Cash Flow	13.51M	49.07M	-68.13M	-3.64M	-2.25M