QLM Life & Medical Insurance Company Q.P.S.C. (QLMI.QA) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-28). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies QLM Life & Medical Insurance Company Q.P.S.C. under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from published company financials, balance sheet as of 2025-12-31. QLMI.QA files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_insurance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 22.58% | 30.00% | Pass |
| Interest-bearing investments | 150.92% | 30.00% | Fail |
| Non-permissible income | 5.52% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 9.28% | 33.00% | Pass |
| Interest-bearing investments | 62.00% | 33.00% | Fail |
| Non-liquid assets | 18.03% | at least 20.00% | Fail |
| Non-permissible income | 5.52% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 9.28% | 33.33% | Pass |
| Cash + interest-bearing securities | 62.00% | 33.33% | Fail |
| Accounts receivable | 81.97% | 33.33% | Fail |
| Non-permissible income | 5.52% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 9.28% | 33.33% | Pass |
| Cash + interest-bearing securities | 62.00% | 33.33% | Fail |
| Accounts receivable | 81.97% | 50.00% | Fail |
| Non-permissible income | 5.52% | 5.00% | Fail |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 21.57% | 33.00% | Pass |
| Cash + interest-bearing securities | 144.18% | 33.00% | Fail |
| Accounts receivable | 46.46% | 33.00% | Fail |
| Non-permissible income | 5.52% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 21.71% | 33.00% | Pass |
| Cash + interest-bearing securities | 145.13% | 49.00% | Fail |
| Accounts receivable | 46.77% | 49.00% | Pass |
| Non-permissible income | 5.52% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 21.71% | 33.33% | Pass |
| Cash + interest-bearing securities | 145.13% | 33.33% | Fail |
| Accounts receivable | 191.89% | 49.00% | Fail |
| Non-permissible income | 5.52% | 5.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Not enough completed daily bars to compute pivots.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 31.10 | NEUTRAL |
| Stochastic %K (14) | 5.64 | BUY |
| CCI (20) | -88.87 | NEUTRAL |
| Williams %R (14) | -94.36 | BUY |
| MACD (12,26,9) | -0.01 | SELL |
| ROC (10) | -4.76 | SELL |
| Momentum (10) | -0.10 | SELL |
| EMA (10) | 2.03 | SELL |
| SMA (10) | 2.02 | SELL |
| EMA (20) | 2.06 | SELL |
| SMA (20) | 2.08 | SELL |
| EMA (30) | 2.09 | SELL |
| SMA (30) | 2.10 | SELL |
| EMA (50) | 2.13 | SELL |
| SMA (50) | 2.15 | SELL |
| EMA (100) | 2.18 | SELL |
| SMA (100) | 2.21 | SELL |
| EMA (200) | 2.24 | SELL |
| SMA (200) | 2.27 | SELL |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Insurance - Life
QLM Life & Medical Insurance Company Q.P.S.C., together with its subsidiary, provides insurance solutions in Qatar, the United Arab Emirates, Sultanate of Oman, and internationally. It operates in two segments, Medical Insurance and Life Insurance. The company offers group, individual, and credit life insurance products, as well as retirement and child insurance plans; and group and individual medical, senior citizens, and visitors mandatory health insurance products. It also underwrites reinsurance products; and engages in management activities. The company was founded in 2011 and is based in Doha, Qatar.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-08 · Asset managers net 912361 (-21819)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.