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
Operating Summary
Revenue	530.14M	618.22M	371.37M	343.60M	288.98M
Operating Expenses	378.50M	483.58M	228.06M	225.68M	188.92M
Pretax Income	152.67M	128.46M	142.80M	101.34M	83.08M
Net Income	152.67M	128.46M	142.80M	101.34M	83.08M
Premium Revenue	473.19M	562.54M	346.01M	306.63M	270.32M
Policy Benefits	461.69M	554.18M	150.90M	169.53M	120.95M
Policy Cost	20.06M	13.95M	14.39M	3.69M	14.54M
EPS (Basic)	1.02	0.86	0.95	0.68	0.55
EPS (Diluted)	1.02	0.86	0.95	0.68	0.55
DPS	0.50	0.50	0.50	0.45	0.40
Margins & Efficiency
Net Margin %	+28.8%	+20.8%	+38.5%	+29.5%	+28.7%
Revenue & Income
Revenue Growth (YoY)	-14.2%	+66.5%	+8.1%	+18.9%	-2.7%
Revenue Insurance	530.14M	618.22M	371.37M	343.60M	288.98M
Premiums Annuity Rev	473.19M	562.54M	346.01M	306.63M	270.32M
Other Revenue Insurance	17.42M	17.44M	14.08M	7.36M	0.16M
Earnings From Equity Investments	—	—	—	-3.25M	-15.08M
Gain Investment Rev Insurance	2.06M	-0.09M	-20.32M	-1.55M	0.01M
Expenses & Provisions
SG&A Insurance	60.80M	67.94M	60.86M	47.34M	41.57M
Other Opex Insurance	-164.67M	-153.12M	1.29M	4.32M	11.07M
Total Opex Insurance	378.50M	483.58M	228.06M	225.68M	188.92M
Interest Expense	-0.02M	-0.03M	-0.05M	-8.02M	-0.13M
Policy Benefits	461.69M	554.18M	150.90M	169.53M	120.95M
Policy Cost	20.06M	13.95M	14.39M	3.69M	14.54M
Asset Writedown	1.05M	-6.15M	-0.46M	-5.31M	-1.77M
D&A For EBITDA	1.76M	1.52M	1.58M	1.19M	1.25M
Da Suppl Insurance	625.27K	616.01K	616.01K	796.58K	795.80K
Profitability & Returns
EBIT	151.64M	134.64M	143.31M	117.92M	100.05M
EBIT Margin	+28.6%	+21.8%	+38.6%	+34.3%	+34.6%
EBITDA	153.40M	136.16M	144.89M	119.11M	101.30M
EBITDA Margin	+28.9%	+22.0%	+39.0%	+34.7%	+35.1%
EBT Excluding Unusual Items	151.62M	134.61M	143.26M	106.65M	84.85M
Pretax Income	152.67M	128.46M	142.80M	101.34M	83.08M
Opinc Insurance	151.64M	134.64M	143.31M	117.92M	100.05M
Operating Margin	+28.6%	+21.8%	+38.6%	+34.3%	+34.6%
Profit Margin	+28.8%	+20.8%	+38.5%	+29.5%	+28.7%
Net Income	152.67M	128.46M	142.80M	101.34M	83.08M
Net Income to Common	152.67M	128.46M	142.80M	101.34M	83.08M
Net Income Growth	+18.8%	-10.0%	+40.9%	+22.0%	+9.7%
Per Share & Capital
EPS (Basic)	1.02	0.86	0.95	0.68	0.55
EPS (Diluted)	1.02	0.86	0.95	0.68	0.55
EPS Growth	+18.8%	-10.0%	+40.9%	+22.0%	+9.7%
Dividend Per Share	0.50	0.50	0.50	0.45	0.40
Shares Outstanding (Basic)	150.00M	150.00M	150.00M	150.00M	150.00M
Shares Outstanding (Diluted)	150.00M	150.00M	150.00M	150.00M	150.00M
Dividend Growth	—	—	+11.1%	+12.5%	+23.1%
Free Cash Flow	107.41M	132.29M	84.82M	147.37M	141.98M
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
Payout Ratio	+50.2%	+62.6%	+46.8%	+57.7%	+60.6%
Supplemental
Total Interest Dividend Income	37.47M	38.32M	31.60M	31.15M	18.49M

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
Operating Summary
Revenue	530.14M	618.22M	371.37M	343.60M	288.98M
Operating Expenses	378.50M	483.58M	228.06M	225.68M	188.92M
Pretax Income	152.67M	128.46M	142.80M	101.34M	83.08M
Net Income	152.67M	128.46M	142.80M	101.34M	83.08M
Premium Revenue	473.19M	562.54M	346.01M	306.63M	270.32M
Policy Benefits	461.69M	554.18M	150.90M	169.53M	120.95M
Policy Cost	20.06M	13.95M	14.39M	3.69M	14.54M
EPS (Basic)	1.02	0.86	0.95	0.68	0.55
EPS (Diluted)	1.02	0.86	0.95	0.68	0.55
DPS	0.50	0.50	0.50	0.45	0.40
Margins & Efficiency
Net Margin %	+28.8%	+20.8%	+38.5%	+29.5%	+28.7%
Revenue & Income
Revenue Growth (YoY)	-14.2%	+66.5%	+8.1%	+18.9%	-2.7%
Revenue Insurance	530.14M	618.22M	371.37M	343.60M	288.98M
Premiums Annuity Rev	473.19M	562.54M	346.01M	306.63M	270.32M
Other Revenue Insurance	17.42M	17.44M	14.08M	7.36M	0.16M
Earnings From Equity Investments	—	—	—	-3.25M	-15.08M
Gain Investment Rev Insurance	2.06M	-0.09M	-20.32M	-1.55M	0.01M
Expenses & Provisions
SG&A Insurance	60.80M	67.94M	60.86M	47.34M	41.57M
Other Opex Insurance	-164.67M	-153.12M	1.29M	4.32M	11.07M
Total Opex Insurance	378.50M	483.58M	228.06M	225.68M	188.92M
Interest Expense	-0.02M	-0.03M	-0.05M	-8.02M	-0.13M
Policy Benefits	461.69M	554.18M	150.90M	169.53M	120.95M
Policy Cost	20.06M	13.95M	14.39M	3.69M	14.54M
Asset Writedown	1.05M	-6.15M	-0.46M	-5.31M	-1.77M
D&A For EBITDA	1.76M	1.52M	1.58M	1.19M	1.25M
Da Suppl Insurance	625.27K	616.01K	616.01K	796.58K	795.80K
Profitability & Returns
EBIT	151.64M	134.64M	143.31M	117.92M	100.05M
EBIT Margin	+28.6%	+21.8%	+38.6%	+34.3%	+34.6%
EBITDA	153.40M	136.16M	144.89M	119.11M	101.30M
EBITDA Margin	+28.9%	+22.0%	+39.0%	+34.7%	+35.1%
EBT Excluding Unusual Items	151.62M	134.61M	143.26M	106.65M	84.85M
Pretax Income	152.67M	128.46M	142.80M	101.34M	83.08M
Opinc Insurance	151.64M	134.64M	143.31M	117.92M	100.05M
Operating Margin	+28.6%	+21.8%	+38.6%	+34.3%	+34.6%
Profit Margin	+28.8%	+20.8%	+38.5%	+29.5%	+28.7%
Net Income	152.67M	128.46M	142.80M	101.34M	83.08M
Net Income to Common	152.67M	128.46M	142.80M	101.34M	83.08M
Net Income Growth	+18.8%	-10.0%	+40.9%	+22.0%	+9.7%
Per Share & Capital
EPS (Basic)	1.02	0.86	0.95	0.68	0.55
EPS (Diluted)	1.02	0.86	0.95	0.68	0.55
EPS Growth	+18.8%	-10.0%	+40.9%	+22.0%	+9.7%
Dividend Per Share	0.50	0.50	0.50	0.45	0.40
Shares Outstanding (Basic)	150.00M	150.00M	150.00M	150.00M	150.00M
Shares Outstanding (Diluted)	150.00M	150.00M	150.00M	150.00M	150.00M
Dividend Growth	—	—	+11.1%	+12.5%	+23.1%
Free Cash Flow	107.41M	132.29M	84.82M	147.37M	141.98M
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
Payout Ratio	+50.2%	+62.6%	+46.8%	+57.7%	+60.6%
Supplemental
Total Interest Dividend Income	37.47M	38.32M	31.60M	31.15M	18.49M