QLM

QLM Life & Medical Insurance Company QPSC

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	477.64M	332.31M	442.46M	316.48M	366.97M
Operating Expenses	455.11M	325.69M	411.47M	297.16M	351.32M
Pretax Income	18.58M	4.60M	27.54M	15.32M	10.33M
Income Tax	0.07M	0.15M	0.13M	0.12M	0.15M
Net Income	18.51M	4.44M	27.41M	15.20M	10.18M
Premium Revenue	464.86M	311.39M	422.88M	299.47M	347.68M
Policy Benefits	448.47M	321.25M	406.99M	292.14M	345.60M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.05	0.01	0.08	0.04	0.03
EPS (Diluted)	0.05	0.01	0.08	0.04	0.03
Margins & Efficiency
Net Margin %	+3.9%	+1.3%	+6.2%	+4.8%	+2.8%
Revenue & Income
Revenue Growth (YoY)	+30.2%	+2.3%	+41.2%	+8.2%	+10.7%
Revenue Insurance	477.64M	332.31M	442.46M	316.48M	366.97M
Premiums Annuity Rev	464.86M	311.39M	422.88M	299.47M	347.68M
Gain (Loss) on Sale of Investments	—	—	—	-192.00K	—
Gain Investment Rev Insurance	-3.75M	2.85M	2.89M	—	-0.03M
Expenses & Provisions
SG&A Insurance	6.21M	4.05M	4.10M	4.69M	5.28M
Total Opex Insurance	455.11M	325.69M	411.47M	297.16M	351.32M
Interest Expense	-2.06M	-3.18M	-3.82M	-3.82M	-3.95M
Other Non Operating Income (Expenses)	-1.89M	1.16M	0.37M	—	-1.36M
Policy Benefits	448.47M	321.25M	406.99M	292.14M	345.60M
Policy Cost	—	—	—	—	—
D&A For EBITDA	433.00K	384.00K	383.00K	332.00K	447.00K
Da Suppl Insurance	433.00K	384.00K	383.00K	332.00K	447.00K
Profitability & Returns
EBIT	22.53M	6.62M	30.99M	19.32M	15.64M
EBIT Margin	+4.7%	+2.0%	+7.0%	+6.1%	+4.3%
EBITDA	22.97M	7.01M	31.37M	19.65M	16.09M
EBITDA Margin	+4.8%	+2.1%	+7.1%	+6.2%	+4.4%
EBT Excluding Unusual Items	18.58M	4.60M	27.54M	15.51M	10.33M
Pretax Income	18.58M	4.60M	27.54M	15.32M	10.33M
Opinc Insurance	22.53M	6.62M	30.99M	19.32M	15.64M
Operating Margin	+4.7%	+2.0%	+7.0%	+6.1%	+4.3%
Profit Margin	+3.9%	+1.3%	+6.2%	+4.8%	+2.8%
Net Income	18.51M	4.44M	27.41M	15.20M	10.18M
Net Income to Common	18.51M	4.44M	27.41M	15.20M	10.18M
Net Income Growth	+81.8%	-65.3%	+11.2%	-12.8%	-56.2%
Income Tax Expense	0.07M	0.15M	0.13M	0.12M	0.15M
Effective Tax Rate	+0.4%	+3.4%	+0.5%	+0.8%	+1.5%
Per Share & Capital
EPS (Basic)	0.05	0.01	0.08	0.04	0.03
EPS (Diluted)	0.05	0.01	0.08	0.04	0.03
EPS Growth	+81.8%	-65.3%	+11.2%	-12.8%	-56.2%
Dividend Per Share	0.10	—	—	—	0.10
Shares Change (YoY)	—	—	—	—	—
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%
Free Cash Flow	-70.13M	2.26M	-16.85M	103.05M	-104.36M
Free Cash Flow Margin	-14.7%	+0.7%	-3.8%	+32.6%	-28.4%
Free Cash Flow Per Share	-0.20	0.01	-0.05	0.29	-0.30
Payout Ratio	0.0%	0.0%	0.0%	+230.9%	+15.3%
Supplemental
Total Interest Dividend Income	16.54M	18.07M	16.68M	17.02M	19.32M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	477.64M	332.31M	442.46M	316.48M	366.97M
Operating Expenses	455.11M	325.69M	411.47M	297.16M	351.32M
Pretax Income	18.58M	4.60M	27.54M	15.32M	10.33M
Income Tax	0.07M	0.15M	0.13M	0.12M	0.15M
Net Income	18.51M	4.44M	27.41M	15.20M	10.18M
Premium Revenue	464.86M	311.39M	422.88M	299.47M	347.68M
Policy Benefits	448.47M	321.25M	406.99M	292.14M	345.60M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.05	0.01	0.08	0.04	0.03
EPS (Diluted)	0.05	0.01	0.08	0.04	0.03
Margins & Efficiency
Net Margin %	+3.9%	+1.3%	+6.2%	+4.8%	+2.8%
Revenue & Income
Revenue Growth (YoY)	+30.2%	+2.3%	+41.2%	+8.2%	+10.7%
Revenue Insurance	477.64M	332.31M	442.46M	316.48M	366.97M
Premiums Annuity Rev	464.86M	311.39M	422.88M	299.47M	347.68M
Gain (Loss) on Sale of Investments	—	—	—	-192.00K	—
Gain Investment Rev Insurance	-3.75M	2.85M	2.89M	—	-0.03M
Expenses & Provisions
SG&A Insurance	6.21M	4.05M	4.10M	4.69M	5.28M
Total Opex Insurance	455.11M	325.69M	411.47M	297.16M	351.32M
Interest Expense	-2.06M	-3.18M	-3.82M	-3.82M	-3.95M
Other Non Operating Income (Expenses)	-1.89M	1.16M	0.37M	—	-1.36M
Policy Benefits	448.47M	321.25M	406.99M	292.14M	345.60M
Policy Cost	—	—	—	—	—
D&A For EBITDA	433.00K	384.00K	383.00K	332.00K	447.00K
Da Suppl Insurance	433.00K	384.00K	383.00K	332.00K	447.00K
Profitability & Returns
EBIT	22.53M	6.62M	30.99M	19.32M	15.64M
EBIT Margin	+4.7%	+2.0%	+7.0%	+6.1%	+4.3%
EBITDA	22.97M	7.01M	31.37M	19.65M	16.09M
EBITDA Margin	+4.8%	+2.1%	+7.1%	+6.2%	+4.4%
EBT Excluding Unusual Items	18.58M	4.60M	27.54M	15.51M	10.33M
Pretax Income	18.58M	4.60M	27.54M	15.32M	10.33M
Opinc Insurance	22.53M	6.62M	30.99M	19.32M	15.64M
Operating Margin	+4.7%	+2.0%	+7.0%	+6.1%	+4.3%
Profit Margin	+3.9%	+1.3%	+6.2%	+4.8%	+2.8%
Net Income	18.51M	4.44M	27.41M	15.20M	10.18M
Net Income to Common	18.51M	4.44M	27.41M	15.20M	10.18M
Net Income Growth	+81.8%	-65.3%	+11.2%	-12.8%	-56.2%
Income Tax Expense	0.07M	0.15M	0.13M	0.12M	0.15M
Effective Tax Rate	+0.4%	+3.4%	+0.5%	+0.8%	+1.5%
Per Share & Capital
EPS (Basic)	0.05	0.01	0.08	0.04	0.03
EPS (Diluted)	0.05	0.01	0.08	0.04	0.03
EPS Growth	+81.8%	-65.3%	+11.2%	-12.8%	-56.2%
Dividend Per Share	0.10	—	—	—	0.10
Shares Change (YoY)	—	—	—	—	—
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%
Free Cash Flow	-70.13M	2.26M	-16.85M	103.05M	-104.36M
Free Cash Flow Margin	-14.7%	+0.7%	-3.8%	+32.6%	-28.4%
Free Cash Flow Per Share	-0.20	0.01	-0.05	0.29	-0.30
Payout Ratio	0.0%	0.0%	0.0%	+230.9%	+15.3%
Supplemental
Total Interest Dividend Income	16.54M	18.07M	16.68M	17.02M	19.32M