QLM

QLM Life & Medical Insurance Company QPSC

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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	19.27M	17.31M	42.86M	25.82M	69.39M
Free Cash Flow	18.33M	16.40M	40.16M	24.29M	67.93M
Capital Expenditures	-0.93M	-0.91M	-2.70M	-1.52M	-1.46M
Investing & Financing
Investing Cash Flow	420.78M	-57.97M	-81.59M	244.42M	-60.43M
Financing Cash Flow	-154.88M	-42.83M	-201.26M	-3.79M	70.49M
Dividends Paid	-35.11M	-45.30M	-44.39M	-72.34M	—
Operating Activities
Operating Cash Flow	19.27M	17.31M	42.86M	25.82M	69.39M
Net Income	65.55M	65.05M	76.28M	73.24M	106.17M
Change Accounts Receivable Insurance	400.65M	-22.87M	-30.55M	-15.50M	-96.80M
Change in Working Capital	4.95M	6.32M	21.05M	-7.04M	0.50M
Change Insurance Reserves Liabilities	—	—	—	—	-47.92M
Change Other Net Oper Assets Insurance	49.02M	38.49M	42.15M	8.83M	145.21M
Other Operating Activities Insurance	-51.40M	-52.22M	-50.26M	-39.50M	-27.63M
Depreciation & Amortization	1.53M	1.67M	1.12M	0.83M	1.00M
Cash Interest Paid	12.88M	16.18M	18.30M	9.04M	2.37M
Cash Income Tax Paid	545.00K	533.00K	702.00K	168.00K	832.00K
Reinsurance Recoverable CF	-444.73M	-9.30M	9.45M	-0.37M	—
Investing Activities
Investing Cash Flow	420.78M	-57.97M	-81.59M	244.42M	-60.43M
Capex Insurance	-0.93M	-0.91M	-2.70M	-1.52M	-1.46M
Investment in Securities	358.36M	-124.11M	-146.56M	202.47M	-89.03M
Other Investing Activities	63.29M	66.99M	67.64M	43.47M	30.03M
Sale of Property, Plant & Equipment	63.00K	59.00K	30.00K	8.00K	25.00K
Gain Assets CF Insurance	—	—	36.00K	—	—
Loss (Gain) on Sale of Investments	-1.37M	-3.51M	-5.37M	-2.89M	-10.16M
Financing Activities
Financing Cash Flow	-154.88M	-42.83M	-201.26M	-3.79M	70.49M
Common Dividends Paid	-35.11M	-45.30M	-44.39M	-72.34M	—
Short-Term Debt Issued	—	18.65M	—	77.60M	72.85M
Total Debt Issued	—	18.65M	—	77.60M	72.85M
Short-Term Debt Repaid	-106.89M	—	-138.57M	—	—
Net Debt Issued Insurance	-106.89M	18.65M	-138.57M	77.60M	72.85M
Other Financing Activities Insurance	-12.88M	-16.18M	-18.30M	-9.04M	-2.37M
Total Debt Repaid Insurance	-106.89M	—	-138.57M	—	—
Free Cash Flow & Returns
Free Cash Flow	18.33M	16.40M	40.16M	24.29M	67.93M
Free Cash Flow Growth	+11.8%	-59.2%	+65.3%	-64.2%	-8.1%
Free Cash Flow Margin	+1.2%	+1.3%	+3.4%	+1.9%	+8.0%
Free Cash Flow Per Share	0.05	0.05	0.12	0.07	0.19
Levered Free Cash Flow	220.90M	-48.85M	-203.98M	30.13M	48.69M
Unlevered Free Cash Flow	228.95M	-38.74M	-192.54M	35.79M	50.17M
Operating Cash Flow Growth	+11.3%	-59.6%	+66.0%	-62.8%	-6.3%
Net Cash Flow	285.16M	-83.49M	-239.99M	266.45M	79.44M

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	19.27M	17.31M	42.86M	25.82M	69.39M
Free Cash Flow	18.33M	16.40M	40.16M	24.29M	67.93M
Capital Expenditures	-0.93M	-0.91M	-2.70M	-1.52M	-1.46M
Investing & Financing
Investing Cash Flow	420.78M	-57.97M	-81.59M	244.42M	-60.43M
Financing Cash Flow	-154.88M	-42.83M	-201.26M	-3.79M	70.49M
Dividends Paid	-35.11M	-45.30M	-44.39M	-72.34M	—
Operating Activities
Operating Cash Flow	19.27M	17.31M	42.86M	25.82M	69.39M
Net Income	65.55M	65.05M	76.28M	73.24M	106.17M
Change Accounts Receivable Insurance	400.65M	-22.87M	-30.55M	-15.50M	-96.80M
Change in Working Capital	4.95M	6.32M	21.05M	-7.04M	0.50M
Change Insurance Reserves Liabilities	—	—	—	—	-47.92M
Change Other Net Oper Assets Insurance	49.02M	38.49M	42.15M	8.83M	145.21M
Other Operating Activities Insurance	-51.40M	-52.22M	-50.26M	-39.50M	-27.63M
Depreciation & Amortization	1.53M	1.67M	1.12M	0.83M	1.00M
Cash Interest Paid	12.88M	16.18M	18.30M	9.04M	2.37M
Cash Income Tax Paid	545.00K	533.00K	702.00K	168.00K	832.00K
Reinsurance Recoverable CF	-444.73M	-9.30M	9.45M	-0.37M	—
Investing Activities
Investing Cash Flow	420.78M	-57.97M	-81.59M	244.42M	-60.43M
Capex Insurance	-0.93M	-0.91M	-2.70M	-1.52M	-1.46M
Investment in Securities	358.36M	-124.11M	-146.56M	202.47M	-89.03M
Other Investing Activities	63.29M	66.99M	67.64M	43.47M	30.03M
Sale of Property, Plant & Equipment	63.00K	59.00K	30.00K	8.00K	25.00K
Gain Assets CF Insurance	—	—	36.00K	—	—
Loss (Gain) on Sale of Investments	-1.37M	-3.51M	-5.37M	-2.89M	-10.16M
Financing Activities
Financing Cash Flow	-154.88M	-42.83M	-201.26M	-3.79M	70.49M
Common Dividends Paid	-35.11M	-45.30M	-44.39M	-72.34M	—
Short-Term Debt Issued	—	18.65M	—	77.60M	72.85M
Total Debt Issued	—	18.65M	—	77.60M	72.85M
Short-Term Debt Repaid	-106.89M	—	-138.57M	—	—
Net Debt Issued Insurance	-106.89M	18.65M	-138.57M	77.60M	72.85M
Other Financing Activities Insurance	-12.88M	-16.18M	-18.30M	-9.04M	-2.37M
Total Debt Repaid Insurance	-106.89M	—	-138.57M	—	—
Free Cash Flow & Returns
Free Cash Flow	18.33M	16.40M	40.16M	24.29M	67.93M
Free Cash Flow Growth	+11.8%	-59.2%	+65.3%	-64.2%	-8.1%
Free Cash Flow Margin	+1.2%	+1.3%	+3.4%	+1.9%	+8.0%
Free Cash Flow Per Share	0.05	0.05	0.12	0.07	0.19
Levered Free Cash Flow	220.90M	-48.85M	-203.98M	30.13M	48.69M
Unlevered Free Cash Flow	228.95M	-38.74M	-192.54M	35.79M	50.17M
Operating Cash Flow Growth	+11.3%	-59.6%	+66.0%	-62.8%	-6.3%
Net Cash Flow	285.16M	-83.49M	-239.99M	266.45M	79.44M