Framework Journal · one stock, one dated entry

Recorded 2026-07-19 · Permanent

Damaan Islamic Insurance Company "Beema" (Q.P.S.C.) BEMA.QA

Clears both ethical standards

An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.

In plain words · Damaan Islamic Insurance Company "Beema" (Q.P.S.C.) provides a range of insurance products and services in Qatar.

The label
Markup

read at $4.31

Damaan Islamic Insurance Company "Beema" (Q.P.S.C.) holds its Markup at $4.31.

PHINPOOPSC
  • PHPhase · the trend structure carries the Markup label
  • INInsiders · no filings inside 60 days, left as found
  • POPositioning · no disclosures inside 60 days, left as found
  • OPOptions · no verdict drawn today, left as found
  • SCScreen · passes the values gate
  • edge confirmed
  • edge broken
  • edge forming

Each arm is one independent read. Conviction is not a single call, it is how many edges converge.

The investor read · the season, not the day

As held on the ledger · 2026-07-19
PhaseMarkup
Quantitative stateThe statistical read favours the buyers, held for 4 days
Price$4.31
Valuation8.98 trailing · N/A forward price to earnings
Values screenPASS
Beta0.45

The opportunity · what the numbers say it is worth

Read at
$4.31
8.98 P/E · N/A fwd
Our fair value
$1.98
119% premium

Price history & projections · where it has been, where the models see it going

$4.6$3.2$1.8TODAY3y agoPROJECTIONOur fair value$1.98 -55%

The valuation journey · where the price sits against fair value and the Street

Current
$4.31
you are here
Our fair value
$1.98
-54%

Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.

Revenue growth21.60%
Profit margin13.73%
Debt to equity0.49

Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.

The values screen, explained · five checks, plain English

This company clears both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. Here is how it did on each:

The common standard · AAOIFI
Used by most halal investing apps
✓ PASSES
Our stricter standard · asset-based
The one Titan applies
✓ PASSES

What these two standards are, and how they differ →

Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.

The business, in plain words · what the numbers mean

The fundamentals · plain-English read
Trailing P/E9.0x
very cheap relative to earnings
Revenue growth21.6%
strong top-line growth
Profit margin13.7%
thin but positive margins
Return on equity16.9%
a solid return on shareholder capital
Debt to equity0.49
minimal debt — a conservative balance sheet
Current ratio0.58
below 1 — short-term bills exceed liquid assets
Beta0.45
barely tracks the market's swings
Market cap$862M

The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; its business and earnings are exposed to Qatar and to currency swings.

Plain-English interpretation of our own screen data. Analysis, not advice.

Related securities · others in BEMA.QA's space worth a look

Screened names in the same industry · explore each on its own page.

The trader read · the latest dated commentary

The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.7% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 17%. Entered 2026-07-22 · Accumulation

The dated journal · newest first, never edited

2026-07-22 Accumulation $4.31 -0.7% Entry 4

The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.7% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 17%.

2026-07-18 Accumulation $4.34 +0.0% Entry 3

The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 18%. Our forward projection puts the odds of a 10% gain over the next month near 17%.

2026-07-03 Accumulation $4.34 +0.0% Entry 2

The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows good risk-adjusted returns.

2026-07-02 Accumulation $4.34 Entry 1

The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: PASS with ethical screening pending. The risk-adjusted return profile shows good risk-adjusted returns.

Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.

What holding actually paid · price plus dividends

If $1,000 had been placed · historical, not a promise
PeriodPrice thenPrice returnDivs per share$1,000 becameTotal return
1 month $4.40 -1.1% · $989 -1.1%
2 months $4.45 -2.3% · $978 -2.3%
3 months $4.20 +3.6% · $1,036 +3.6%
6 months $4.01 +8.5% $0.25 $1,147 +14.7%
1 year $3.68 +18.3% $0.25 $1,251 +25.1%
2 years $3.40 +28.0% $0.45 $1,412 +41.2%
3 years $3.28 +32.7% $0.63 $1,519 +51.9%

Historical returns from market close data. Past performance does not guarantee future results.

This entry now belongs to the ledger. Whatever BEMA.QA does next, these words stay.

Damaan Islamic Insurance Company "Beema" (Q.P.S.C.) · BEMA.QA · Markup · $4.31
Recorded 2026-07-19 · before the outcome · scored mechanically

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