QLM

QLM Life & Medical Insurance Company QPSC

QLMIStocksQatar Stock ExchangeInsurance

Financials

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	0.80B	0.88B	0.72B	0.87B	1.68B
Market Cap Growth	+15.3%	+21.1%	-17.4%	-47.9%	-5.0%
Enterprise Value	0.55B	0.58B	0.29B	0.50B	1.39B
Last Close Price	2.30	2.39	1.88	2.15	3.96
Valuation Multiples
Forward PE (Next 12M Est.)	10.83	17.45	17.45	17.45	17.45
PE Ratio	12.25	13.35	11.11	11.47	22.93
PS Ratio	0.51	0.56	0.56	0.73	1.33
PB Ratio	1.14	1.24	1.10	1.39	2.90
P/TBV Ratio	1.14	1.24	1.10	1.39	2.90
P/FCF Ratio	43.81	47.73	44.06	21.78	69.14
P/OCF Ratio	41.69	45.41	41.75	20.41	65.06
EV/Sales Ratio	0.35	0.37	0.23	0.42	1.10
EV/EBITDA Ratio	6.87	7.19	3.52	5.17	17.01
EV/EBIT Ratio	7.00	7.33	3.60	5.23	17.18
EV/FCF Ratio	30.12	31.56	17.92	12.37	57.07
Leverage & Capital
Debt / Equity Ratio	0.24	0.24	0.42	0.41	0.68
Debt / EBITDA Ratio	2.06	2.06	3.27	2.65	4.82
Debt / FCF Ratio	9.05	9.05	16.63	6.33	16.17
Net Debt / Equity Ratio	-0.36	-0.36	0.22	0.07	-0.10
Net Debt / EBITDA Ratio	-3.12	-3.12	1.69	0.42	-0.74
Net Debt / FCF Ratio	-13.69	-13.69	8.60	1.01	-2.48
Efficiency & Liquidity
Asset Turnover	0.97	0.97	0.92	0.83	0.73
Quick Ratio	0.77	0.77	0.98	1.01	0.75
Current Ratio	1.27	1.27	1.07	1.08	0.89
Returns & Yields
Return on Equity (ROE)	+9.6%	+9.6%	+10.1%	+12.6%	+12.2%
Return on Assets (ROA)	+3.1%	+3.1%	+3.6%	+4.1%	+2.9%
Return on Invested Capital (ROIC)	+9.1%	+8.7%	+9.0%	+10.2%	+8.5%
Earnings Yield	+8.2%	+7.5%	+9.0%	+8.7%	+4.4%
FCF Yield	+2.3%	+2.1%	+2.3%	+4.6%	+1.4%
Dividend Yield	+4.4%	+4.2%	+5.3%	+5.8%	+3.2%
Payout Ratio	+53.6%	+53.6%	+69.6%	+58.2%	+98.8%
Total Shareholder Return	+4.4%	+4.2%	+5.3%	+5.8%	+3.2%

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	0.80B	0.88B	0.72B	0.87B	1.68B
Market Cap Growth	+15.3%	+21.1%	-17.4%	-47.9%	-5.0%
Enterprise Value	0.55B	0.58B	0.29B	0.50B	1.39B
Last Close Price	2.30	2.39	1.88	2.15	3.96
Valuation Multiples
Forward PE (Next 12M Est.)	10.83	17.45	17.45	17.45	17.45
PE Ratio	12.25	13.35	11.11	11.47	22.93
PS Ratio	0.51	0.56	0.56	0.73	1.33
PB Ratio	1.14	1.24	1.10	1.39	2.90
P/TBV Ratio	1.14	1.24	1.10	1.39	2.90
P/FCF Ratio	43.81	47.73	44.06	21.78	69.14
P/OCF Ratio	41.69	45.41	41.75	20.41	65.06
EV/Sales Ratio	0.35	0.37	0.23	0.42	1.10
EV/EBITDA Ratio	6.87	7.19	3.52	5.17	17.01
EV/EBIT Ratio	7.00	7.33	3.60	5.23	17.18
EV/FCF Ratio	30.12	31.56	17.92	12.37	57.07
Leverage & Capital
Debt / Equity Ratio	0.24	0.24	0.42	0.41	0.68
Debt / EBITDA Ratio	2.06	2.06	3.27	2.65	4.82
Debt / FCF Ratio	9.05	9.05	16.63	6.33	16.17
Net Debt / Equity Ratio	-0.36	-0.36	0.22	0.07	-0.10
Net Debt / EBITDA Ratio	-3.12	-3.12	1.69	0.42	-0.74
Net Debt / FCF Ratio	-13.69	-13.69	8.60	1.01	-2.48
Efficiency & Liquidity
Asset Turnover	0.97	0.97	0.92	0.83	0.73
Quick Ratio	0.77	0.77	0.98	1.01	0.75
Current Ratio	1.27	1.27	1.07	1.08	0.89
Returns & Yields
Return on Equity (ROE)	+9.6%	+9.6%	+10.1%	+12.6%	+12.2%
Return on Assets (ROA)	+3.1%	+3.1%	+3.6%	+4.1%	+2.9%
Return on Invested Capital (ROIC)	+9.1%	+8.7%	+9.0%	+10.2%	+8.5%
Earnings Yield	+8.2%	+7.5%	+9.0%	+8.7%	+4.4%
FCF Yield	+2.3%	+2.1%	+2.3%	+4.6%	+1.4%
Dividend Yield	+4.4%	+4.2%	+5.3%	+5.8%	+3.2%
Payout Ratio	+53.6%	+53.6%	+69.6%	+58.2%	+98.8%
Total Shareholder Return	+4.4%	+4.2%	+5.3%	+5.8%	+3.2%