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QLMI.QA$2.22-1.20%
Fair $2.22+0.0%

QLMI.QA

QLM Life & Medical Insurance Company Q.P.S.C.

Financial Services / Insurance - LifeQatar

$2.22

-0.03 (-1.20%)

Fairly Valued+0.0%Fair Value $2.22Fund rank 33/100 · Data gapFallback financials|
SA 41/C
F-Score: 4/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 44.0/100

Data gap 33/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 58/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

41/100

C

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · QLMI.QALocal privado en este navegador · QLM Life & Medical Insurance Company Q.P.S.C.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$778M

P/E

11.7x

↓

EV/EBITDA

N/A

•

ROE

9.3%

↑

Gross Margin

N/A

•

Debt/Equity

0.24

↓
52-Week Range$2
$2$3

TradingView lightweight chart

QLMI.QA price, volumen y niveles de valoración

Último $2.223Periodo -43.0%
Fair value: $2.223

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+0.9%

FCF CAGR

-9.0%

FCF margin

1.6%

FCF / Net income

0.28x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $1.16B · net income $65.5M · FCF $18.3M

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

5.6%-0.8% pts

FCF margin

1.6%-0.6% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$1.16B$1.16B$1.22B$1.13B$1.13B
Net Income$65.5M$65.5M$65.0M$76.3M$73.2M
EPS0.190.190.190.220.21
Net Margin5.6%5.6%5.3%6.8%6.5%
Balance Sheet
Debt/Equity0.240.240.410.410.68
Current Ratio1.261.26———
Cash Flow
Free Cash Flow$18.3M$18.3M$16.4M$40.2M$24.3M
Returns
ROE9.3%9.3%9.9%12.2%12.6%
Valuation
P/E11.7011.7010.8411.2921.90
P/B1.101.101.101.392.78
Growth & Yield
Revenue Growth-4.5%-4.5%8.1%-0.4%—
EPS Growth0.0%0.0%-13.6%4.8%—
Dividend Yield4.4%4.4%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

1.3%

fácil

EPS terminal req.

$0.20

Spread vs growth

-1.3%

5Y implied EPS CAGR

4.7%

fácil

EPS terminal req.

$0.24

Spread vs growth

-4.7%

10Y implied EPS CAGR

7.3%

razonable

EPS terminal req.

$0.38

Spread vs growth

-7.3%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +15.6%

Total return

+15.6%

Start / end P/E

10.5x → 11.7x

EPS bridge

0.19 → 0.19

Residual

+0.0%

EPS growth+0.0%
Multiple rerating+11.2%
Dividend+4.4%
Residual / FX / buybacks / cross-term+0.0%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.