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  3. •

    Multi-line insurance
Qatar Insurance Company QSPC

Qatar Insurance Company QSPC

QQSE:QATI
1.95
QAR
-0.02
(-1.07%)
6.62BMarket Cap
Qatar Insurance Company QSPC
QSE:QATI
(Qatar Stock Exchange)

Recent

price

1.95

P/E

ratio

- -

div

yld

5.64%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
QAR
-0.23
0.74
0.83
0.93
1.66
2.35
2.86
3.12
3.77
3.35
2.97
2.77
1.9
2.89
2.4
2.44
- -
Revenue per Share
0.25
0.24
0.25
0.26
0.35
0.37
0.32
0.13
0.2
0.2
0.03
0.19
-0.37
0.18
0.22
0.24
- -
Basic EPS, GAAP
0.09
0.17
0.1
0.15
0.26
0.68
0.46
0.41
0.01
0.19
-0.2
-0.04
-0.55
-0.31
-0.37
-0.16
-0.23
Free Cash Flow per Basic Share
0.15
0.2
0.12
0.08
0.11
0.14
0.14
0.11
0.13
0.15
0.15
- -
0.1
- -
0.1
0.1
0.11
Dividend per Share
1.34
1.34
1.47
1.8
1.98
2.02
2.58
3.02
2.93
3.08
3.34
3.04
2.46
2.64
2.71
3.08
3.03
Book Value per Share
1.34
1.34
1.47
1.8
1.84
1.87
2.45
2.89
2.72
2.89
3.15
2.87
2.32
2.5
2.58
2.94
2.89
Tangible Book Value per Share
2,458
2,458
2,444
2,880
2,830
2,851
3,189
3,189
3,254
3,266
3,266
3,266
3,266
3,266
3,266
3,266
3,266
Basic Weighted Avg Shares
-564
1,825
2,040
2,682
4,703
6,705
9,124
9,949
12,260
10,952
9,689
9,045
6,215
9,423
7,832
7,972
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
19
23
23
23
27
29
32
35
33
83
76
69
45
37
61
50
- -
Depreciation Expense
623
592
610
753
1,002
1,044
1,034
418
646
651
101
616
-1,199
601
725
791
- -
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
0.09
4.18
35.23
3.73
- -
6.06
1.56
12.76
- -
Effective Tax Rate (%)
-110.31
32.44
29.92
28.08
21.3
15.57
11.33
4.2
5.27
5.94
1.04
6.81
-19.29
6.38
9.26
9.92
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
127
139
133
179
186
171
125
- -
- -
- -
- -
LT Debt
3,522
3,529
3,793
5,382
5,924
5,994
8,468
9,889
9,587
10,216
10,990
10,003
8,114
8,767
9,003
10,229
10,071
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
19.15
16.06
16.02
14.67
13.51
11.75
9.56
3.6
5.19
5.13
0.7
4.27
- -
5.24
6.41
6.79
- -
Return on Capital (%)
20.11
17.73
17.54
17.1
18.4
18.12
14.72
4.67
6.81
6.71
0.96
5.92
-13.36
7.22
8.3
8.36
- -
Return on Common Equity (%)

Capital Structure

QAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
1,277
1,327
1,289
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,266
3,266
3,266
Market Capitalization
6,663
7,457
6,624

Working Capital

QAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
14,698
14,086
14,198
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
1,277
1,327
1,289
Deferred Revenue
- -
- -
- -

Growth Rates

QAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.56%
-0.7%
13.61%
Free Cash Flow
220.5%
220.32%
-57.88%
Net Income, GAAP
0.49%
18.9%
8.99%
Sales/Revenue/Turnover
4.47%
-0.28%
1.79%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

QAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,990
2,165
1,841
1,763
7,832
2025
1,825
1,725
- -
2,058
7,972
2026
2,063
2,864
- -
- -
- -

Quarterly Earnings Per Share

QAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.06
0.05
0.05
0.06
0.22
2025
0.06
0.05
- -
0.07
0.24
2026
0.06
0.05
- -
- -
- -

Quarterly Dividends Per Share

QAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.1
- -
- -
- -
0.1
2025
0.1
- -
- -
- -
0.1
2026
0.11
- -
- -
- -
- -
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Business
Qatar Insurance Company Q.S.P.C. (QATI.QA) operates as a leading composite insurer in Qatar, providing a comprehensive range of general and life insurance products and services to corporate, commercial, and individual clients. The company offers motor insurance; property and casualty coverage, including fire, engineering, marine hull, cargo, and liability; health and medical insurance; life and savings plans; personal accident protection; travel insurance; and specialized solutions such as energy, aviation, and construction risks, delivered through digital platforms, brokers, and direct channels. Qatar Insurance serves diverse sectors including oil and gas, construction, healthcare, and retail across Qatar, the Middle East, North Africa, Europe, Southeast Asia, and Latin America; it maintains subsidiaries like Qatar Islamic Insurance Company and operates joint ventures for reinsurance and takaful products. Founded in 1964 and headquartered in Doha, Qatar, the company functions as a public joint-stock entity listed on the Qatar Stock Exchange, with Qatar Petroleum as a key stakeholder alongside other institutional investors. It emphasizes Sharia-compliant insurance (takaful) alongside conventional offerings, targeting multinational corporations, SMEs, government entities, and high-net-worth individuals through tailored risk management and claims services. The insurer leverages advanced technology for underwriting, policy management, and customer portals to enhance operational efficiency and market penetration. In recent developments, Qatar Insurance completed a strategic merger with Dukhan Bank in 2024 to bolster its Islamic insurance capabilities and expanded its regional footprint through a partnership with a major European reinsurer for enhanced capacity in energy and catastrophe risks. The company launched new cyber insurance products and digital health platforms in 2025 amid rising demand, while securing a significant funding facility from international banks to support growth initiatives. Additionally, it reorganized its leadership team with key appointments in sustainability and digital transformation to align with Qatar National Vision 2030 objectives.