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Damaan Islamic Insurance Co (QPSC)

DSMD:BEMAFinance

QAR 4.30+0.00%At closeAt close · Mon 19 Oct · ≈ AED 4.34 · Market cap $236.26M

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Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Trend	YoY
Operating margin	34.2%	37.7%	35.8%	35.2%	18.3%	14.0%		−4.3 pts
Net margin	16.4%	18.2%	19.1%	21.6%	13.5%	11.8%		−1.7 pts
Return on equity	10.6%	11.3%	13.1%	14.5%	15.2%	15.4%		+0.3 pts
Return on assets	3.6%	3.9%	3.5%	5.5%	6.0%	5.7%		−0.4 pts
Return on capital employed	13.0%	12.7%	12.1%	11.8%	16.2%	14.4%		−1.8 pts
Debt / equity	0.7×	0.4×	0.6×	0.0×	0.0×	0.0×		−12.0%
Debt / assets	22.9%	14.4%	14.9%	0.3%	0.2%	0.2%		−0.0 pts
Interest coverage	45.3×	58.4×	44.8×	54.9×	64.5×	41.0×		−36.5%
Current ratio	0.5×	0.7×	0.8×	1.2×	0.7×	0.6×		−5.6%
Quick ratio	0.5×	0.7×	0.8×	1.2×	0.7×	0.6×		−5.6%
Cash ratio	0.0×	0.0×	0.4×	0.1×	0.0×	0.1×		+19.9%
Asset turnover	0.2×	0.2×	0.2×	0.3×	0.4×	0.5×		+7.4%
Dividend payout	44.3%	39.3%	35.3%	45.5%	42.5%	41.9%		−0.7 pts

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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