Damaan Islamic Insurance Company "Beema" (Q.P.S.C.) (QSE:BEMA)
Qatar flag Qatar · Delayed Price · Currency is QAR
4.390
-0.009 (-0.20%)
At close: Jul 27, 2026

QSE:BEMA Financials Overview

Millions QAR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
694.45666.1520.28330.95304.5281.4
Revenue Growth
25.82%28.03%57.21%8.69%8.21%-16.57%
Operating Income
95.64107.69104.1997.78103.02102.83
Net Income
95.34107.32103.9697.23101.23100.3
Earnings Per Share
0.480.540.520.490.510.50
EPS Growth
-16.06%3.23%6.92%-3.95%0.93%-88.87%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Motor
166.38151.79120.64108.16101.31106.22
Fire & General Accident
142.47142.68106.8612.613.619.04
Takaful and Medical
307.65297.4239.83172.55160.05138.37
Marine & Aviation
17.7617.588.891.441.260.61
Investments Income
-49.1537.3531.6324.2224.45
Unallocated Income and Expenses
-7.56.74.574.062.71
Total
690.91666.1520.28330.95304.5281.4

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
305.18323.44243.69127.58372.18159.51
Total Debt
2.872.872.933.98243.23187.34
Net Cash (Debt)
302.31320.58240.76123.6128.94-27.83
Net Cash Growth
15.50%33.15%94.79%-4.15%--
Net Cash Per Share
1.511.601.200.620.64-0.14

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
217.23242.01155.05-130.71304.91120.63
Capital Expenditures
-2.68-3.44-4.11-5.26-6.35-9.27
Free Cash Flow
214.55238.57150.94-135.96298.56111.36
Free Cash Flow Growth
18.48%58.06%--168.11%41.93%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
13.77%16.17%20.03%29.54%33.83%36.54%
Pretax Margin
13.73%16.11%19.98%29.38%33.59%36.14%
Profit Margin
13.73%16.11%19.98%29.38%33.24%35.64%
FCF Margin
30.89%35.82%29.01%-41.08%98.05%39.57%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22
Dividend Per Share
0.2500.2500.2000.1800.160
Dividend Per Share Growth
25.00%25.00%11.11%12.50%-
Dividend Yield
5.68%6.08%5.64%5.27%-

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.218.107.618.20--
P/FCF Ratio
4.093.655.24---
PS Ratio
1.261.311.522.41--