QLMI Stock Financial Analysis - QLM Life & Medical Insurance Company Q.P.S.C. (DSM) Stock

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 1,450.32 MM.
The operating income for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 82.26 MM.
The net income for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 65.56 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	1,450.32	82.26	65.56
2025-03-31	1,318.76	77.67	62.81
2024-12-31	1,297.94	81.77	65.05
2024-09-30	1,262.35	93.60	78.08
2024-06-30	1,239.97	87.92	71.65
2024-03-31	1,227.57	90.31	73.69
2023-12-31	1,194.55	94.97	76.28
2023-09-30	1,191.22	104.70	85.77
2023-06-30	1,216.37	99.58	82.68
2023-03-31	1,231.06	74.29	64.14
2022-12-31	1,260.35	80.69	73.24
2022-09-30	1,167.12	75.87	72.42
2022-06-30	1,040.74	89.34	88.02
2022-03-31	933.90	114.31	110.21
2021-12-31	853.38	108.68	106.17
2021-09-30	924.46	106.53	102.88
2021-06-30	974.83	106.74	103.02
2021-03-31	985.99	110.10	108.11
2020-12-31	1,012.29	101.80	98.05
2020-09-30	953.05	95.26	92.77
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	0.19
2024-09-30	0.22	0.22
2024-06-30	0.20	0.20
2024-03-31	0.21	0.21
2023-12-31	0.22
2023-09-30	0.25	0.25
2023-06-30	0.24	0.24
2023-03-31	0.18	0.18
2022-12-31	0.21
2022-09-30	0.21	0.21
2022-06-30	0.25	0.25
2022-03-31	0.33	0.33
2021-12-31	0.30
2021-09-30	0.29	0.29
2021-06-30	0.29	0.29
2021-03-31	0.31	0.31
2020-12-31	0.28
2020-09-30	0.27	0.27
2020-06-30	0.28	0.28
2020-03-31	0.23	0.23

Cash Flow: Operations, Investing, Financing

The cash from operating activities for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 178.43 MM.
The cash from investing activities for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 65.28 MM.
The cash from financing activities for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is -33.80 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	178.43	65.28	-33.80
2025-03-31	230.88	-387.98	-57.61
2024-12-31	17.31	-57.97	-42.83
2024-09-30	69.31	-224.53	-54.86
2024-06-30	-116.82	14.83	-112.93
2024-03-31	-24.55	206.00	-104.86
2023-12-31	42.86	-81.59	-201.26
2023-09-30	13.03	509.96	-153.01
2023-06-30	-13.35	457.68	-144.47
2023-03-31	-23.05	368.17	-76.31
2022-12-31	25.82	244.42	-3.79
2022-09-30	148.75	-130.90	0.09
2022-06-30	166.95	-165.88	73.35
2022-03-31	75.36	-30.61	-41.17
2021-12-31	69.39	-60.43	70.49
2021-09-30	17.80	2.88	-1.10
2021-06-30	122.57	70.55	-70.12
2021-03-31	46.17	119.78	-125.21
2020-12-31	74.07	155.72	-193.52
2020-09-30	-48.37	99.65	-146.24
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Management Effectiveness

The roa for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 0.05.
The roe for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 0.10.
The roic for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 0.07.
The croic for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is -0.23.
The ocroic for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 0.25.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.05	0.10	0.07	-0.23	0.25
2025-03-31	0.05	0.11	0.07	-0.09	0.02
2024-12-31	0.06	0.10	0.08	-0.22	0.07
2024-09-30	0.05	0.14	0.08	-0.24	-0.13
2024-06-30	0.06	0.14	0.08	0.09	-0.03
2024-03-31	0.04	0.14	0.09	-0.27	0.05
2023-12-31	0.05	0.19	0.11	-0.01	0.02
2023-09-30	0.04	0.17	0.10	4.43	-0.01
2023-06-30	0.04	0.17	0.10	4.06	-0.01
2023-03-31	0.04	0.14	0.08	0.30	-0.03
2022-12-31	0.04	0.14	0.09	0.02	0.17
2022-09-30	0.05	0.16	0.09	0.02	0.17
2022-06-30	0.06	0.17	0.11	0.08	0.19
2022-03-31	0.06	0.20	0.13	0.00	0.09
2021-12-31	0.06	0.20	0.12	0.09	0.02
2021-09-30	0.06	0.20	0.12	0.02	0.15
2021-06-30	0.06	0.22	0.13	0.15	0.15
2021-03-31	0.06	0.23	0.13	0.05	0.06
2020-12-31	0.06	0.21	0.13	0.05	0.10
2020-09-30	0.05	0.20	0.12	-0.12	-0.14
2020-06-30	0.32	0.32	0.13	-0.45	-0.37
2020-03-31	0.27	0.27	0.10	-0.01	-0.05

Gross Margins

The gross margin for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 0.08.
The net margin for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 0.05.
The operating margin for QLM Life & Medical Insurance Company Q.P.S.C. as of June 30, 2025 is 0.06.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.08	0.05	0.06
2025-03-31	0.08	0.05	0.06
2024-12-31	0.09	0.06	0.08
2024-09-30	0.09	0.06	0.07
2024-06-30	0.09	0.06	0.07
2024-03-31	0.10	0.06	0.08
2023-12-31	0.17	0.09	0.11
2023-09-30	0.17	0.09	0.11
2023-06-30	0.13	0.09	0.11
2023-03-31	0.14	0.07	0.09
2022-12-31	0.14	0.08	0.08
2022-09-30	0.16	0.08	0.08
2022-06-30	0.19	0.10	0.10
2022-03-31	0.19	0.12	0.12
2021-12-31	0.17	0.12	0.13
2021-09-30	0.16	0.11	0.12
2021-06-30	0.16	0.11	0.11
2021-03-31	0.16	0.11	0.11
2020-12-31	0.15	0.10	0.10
2020-09-30	0.15	0.10	0.10
2020-06-30	0.16	0.10	0.10
2020-03-31	0.14	0.09	0.09