QLM

QLM Life & Medical Insurance Company QPSC

QLMIStocksQatar Stock ExchangeInsurance

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	1.57B	1.30B	1.19B	1.26B	0.85B
Operating Expenses	1.49B	1.22B	1.10B	1.18B	0.74B
Pretax Income	66.03M	65.60M	76.67M	71.64M	106.32M
Income Tax	0.48M	0.55M	0.39M	-1.60M	0.15M
Net Income	65.55M	65.05M	76.28M	73.24M	106.17M
Premium Revenue	1.50B	1.22B	1.12B	1.21B	0.81B
Policy Benefits	1.47B	1.19B	1.08B	1.16B	0.67B
Policy Cost	—	—	—	—	27.25M
EPS (Basic)	0.19	0.19	0.22	0.21	0.30
EPS (Diluted)	0.19	0.19	0.22	0.21	0.30
DPS	0.10	0.10	0.13	0.13	0.22
Margins & Efficiency
Net Margin %	+4.2%	+5.0%	+6.4%	+5.8%	+12.4%
Revenue & Income
Revenue Growth (YoY)	+20.8%	+8.7%	-5.2%	+47.7%	-15.7%
Revenue Insurance	1.57B	1.30B	1.19B	1.26B	0.85B
Premiums Annuity Rev	1.50B	1.22B	1.12B	1.21B	0.81B
Gain Investment Rev Insurance	1.43M	3.37M	5.27M	1.90M	10.16M
Expenses & Provisions
SG&A Insurance	19.06M	19.80M	18.98M	18.59M	49.75M
Total Opex Insurance	1.49B	1.22B	1.10B	1.18B	0.74B
Interest Expense	-12.88M	-16.18M	-18.30M	-9.04M	-2.37M
Policy Benefits	1.47B	1.19B	1.08B	1.16B	0.67B
Policy Cost	—	—	—	—	27.25M
D&A For EBITDA	1.53M	1.67M	1.12M	0.83M	1.00M
Da Suppl Insurance	1.53M	1.67M	1.12M	0.83M	1.00M
Profitability & Returns
EBIT	78.91M	81.77M	94.97M	80.69M	108.68M
EBIT Margin	+5.0%	+6.3%	+8.0%	+6.4%	+12.7%
EBITDA	80.44M	83.44M	96.09M	81.52M	109.68M
EBITDA Margin	+5.1%	+6.4%	+8.0%	+6.5%	+12.9%
Pretax Income	66.03M	65.60M	76.67M	71.64M	106.32M
Opinc Insurance	78.91M	81.77M	94.97M	80.69M	108.68M
Operating Margin	+5.0%	+6.3%	+8.0%	+6.4%	+12.7%
Profit Margin	+4.2%	+5.0%	+6.4%	+5.8%	+12.4%
Net Income	65.55M	65.05M	76.28M	73.24M	106.17M
Net Income to Common	65.55M	65.05M	76.28M	73.24M	106.17M
Net Income Growth	+0.8%	-14.7%	+4.2%	-31.0%	+8.3%
Income Tax Expense	0.48M	0.55M	0.39M	-1.60M	0.15M
Effective Tax Rate	+0.7%	+0.8%	+0.5%	—	+0.1%
Per Share & Capital
EPS (Basic)	0.19	0.19	0.22	0.21	0.30
EPS (Diluted)	0.19	0.19	0.22	0.21	0.30
EPS Growth	+0.8%	-14.7%	+4.2%	-31.0%	+8.3%
Dividend Per Share	0.10	0.10	0.13	0.13	0.22
Shares Outstanding (Basic)	350.00M	350.00M	350.00M	350.00M	350.00M
Shares Outstanding (Diluted)	350.00M	350.00M	350.00M	350.00M	350.00M
Dividend Growth	—	-20.0%	—	-43.2%	—
Free Cash Flow	18.33M	16.40M	40.16M	24.29M	67.93M
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
Payout Ratio	+53.6%	+69.6%	+58.2%	+98.8%	—
Supplemental
Total Interest Dividend Income	68.31M	71.58M	65.65M	45.96M	30.03M

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	1.57B	1.30B	1.19B	1.26B	0.85B
Operating Expenses	1.49B	1.22B	1.10B	1.18B	0.74B
Pretax Income	66.03M	65.60M	76.67M	71.64M	106.32M
Income Tax	0.48M	0.55M	0.39M	-1.60M	0.15M
Net Income	65.55M	65.05M	76.28M	73.24M	106.17M
Premium Revenue	1.50B	1.22B	1.12B	1.21B	0.81B
Policy Benefits	1.47B	1.19B	1.08B	1.16B	0.67B
Policy Cost	—	—	—	—	27.25M
EPS (Basic)	0.19	0.19	0.22	0.21	0.30
EPS (Diluted)	0.19	0.19	0.22	0.21	0.30
DPS	0.10	0.10	0.13	0.13	0.22
Margins & Efficiency
Net Margin %	+4.2%	+5.0%	+6.4%	+5.8%	+12.4%
Revenue & Income
Revenue Growth (YoY)	+20.8%	+8.7%	-5.2%	+47.7%	-15.7%
Revenue Insurance	1.57B	1.30B	1.19B	1.26B	0.85B
Premiums Annuity Rev	1.50B	1.22B	1.12B	1.21B	0.81B
Gain Investment Rev Insurance	1.43M	3.37M	5.27M	1.90M	10.16M
Expenses & Provisions
SG&A Insurance	19.06M	19.80M	18.98M	18.59M	49.75M
Total Opex Insurance	1.49B	1.22B	1.10B	1.18B	0.74B
Interest Expense	-12.88M	-16.18M	-18.30M	-9.04M	-2.37M
Policy Benefits	1.47B	1.19B	1.08B	1.16B	0.67B
Policy Cost	—	—	—	—	27.25M
D&A For EBITDA	1.53M	1.67M	1.12M	0.83M	1.00M
Da Suppl Insurance	1.53M	1.67M	1.12M	0.83M	1.00M
Profitability & Returns
EBIT	78.91M	81.77M	94.97M	80.69M	108.68M
EBIT Margin	+5.0%	+6.3%	+8.0%	+6.4%	+12.7%
EBITDA	80.44M	83.44M	96.09M	81.52M	109.68M
EBITDA Margin	+5.1%	+6.4%	+8.0%	+6.5%	+12.9%
Pretax Income	66.03M	65.60M	76.67M	71.64M	106.32M
Opinc Insurance	78.91M	81.77M	94.97M	80.69M	108.68M
Operating Margin	+5.0%	+6.3%	+8.0%	+6.4%	+12.7%
Profit Margin	+4.2%	+5.0%	+6.4%	+5.8%	+12.4%
Net Income	65.55M	65.05M	76.28M	73.24M	106.17M
Net Income to Common	65.55M	65.05M	76.28M	73.24M	106.17M
Net Income Growth	+0.8%	-14.7%	+4.2%	-31.0%	+8.3%
Income Tax Expense	0.48M	0.55M	0.39M	-1.60M	0.15M
Effective Tax Rate	+0.7%	+0.8%	+0.5%	—	+0.1%
Per Share & Capital
EPS (Basic)	0.19	0.19	0.22	0.21	0.30
EPS (Diluted)	0.19	0.19	0.22	0.21	0.30
EPS Growth	+0.8%	-14.7%	+4.2%	-31.0%	+8.3%
Dividend Per Share	0.10	0.10	0.13	0.13	0.22
Shares Outstanding (Basic)	350.00M	350.00M	350.00M	350.00M	350.00M
Shares Outstanding (Diluted)	350.00M	350.00M	350.00M	350.00M	350.00M
Dividend Growth	—	-20.0%	—	-43.2%	—
Free Cash Flow	18.33M	16.40M	40.16M	24.29M	67.93M
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
Payout Ratio	+53.6%	+69.6%	+58.2%	+98.8%	—
Supplemental
Total Interest Dividend Income	68.31M	71.58M	65.65M	45.96M	30.03M