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INTERNATIONAL GENERAL INSURA (IGIC) Stock Fundamental Analysis

USA - NASDAQ:IGIC - BMG4809J1062 - Common Stock

22.71 USD
+0.43 (+1.93%)
Last: 10/13/2025, 4:40:56 PM
22.71 USD
0 (0%)
After Hours: 10/13/2025, 4:40:56 PM
Fundamental Rating

4

IGIC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. IGIC has only an average score on both its financial health and profitability. IGIC is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year IGIC was profitable.
In the past 5 years IGIC has always been profitable.
Of the past 5 years IGIC 4 years had a positive operating cash flow.
IGIC Yearly Net Income VS EBIT VS OCF VS FCFIGIC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

1.2 Ratios

IGIC has a better Return On Assets (5.90%) than 90.34% of its industry peers.
Looking at the Return On Equity, with a value of 18.93%, IGIC belongs to the top of the industry, outperforming 86.90% of the companies in the same industry.
Industry RankSector Rank
ROA 5.9%
ROE 18.93%
ROIC N/A
ROA(3y)5.96%
ROA(5y)4.59%
ROE(3y)20.44%
ROE(5y)15.82%
ROIC(3y)N/A
ROIC(5y)N/A
IGIC Yearly ROA, ROE, ROICIGIC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

IGIC's Profit Margin of 23.43% is amongst the best of the industry. IGIC outperforms 94.48% of its industry peers.
IGIC's Profit Margin has improved in the last couple of years.
The Operating Margin of IGIC (21.10%) is better than 82.07% of its industry peers.
In the last couple of years the Operating Margin of IGIC has grown nicely.
Industry RankSector Rank
OM 21.1%
PM (TTM) 23.43%
GM N/A
OM growth 3Y19.8%
OM growth 5Y21.84%
PM growth 3Y25.11%
PM growth 5Y19.24%
GM growth 3YN/A
GM growth 5YN/A
IGIC Yearly Profit, Operating, Gross MarginsIGIC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

IGIC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, IGIC has more shares outstanding
Compared to 5 years ago, IGIC has less shares outstanding
IGIC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
IGIC Yearly Shares OutstandingIGIC Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
IGIC Yearly Total Debt VS Total AssetsIGIC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

There is no outstanding debt for IGIC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.69%
IGIC Yearly LT Debt VS Equity VS FCFIGIC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IGIC Yearly Current Assets VS Current LiabilitesIGIC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2023 2024 5M 10M 15M 20M 25M

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3

3. Growth

3.1 Past

The earnings per share for IGIC have decreased strongly by -18.89% in the last year.
IGIC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 43.48% yearly.
The Revenue has been growing slightly by 3.79% in the past year.
IGIC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.58% yearly.
EPS 1Y (TTM)-18.89%
EPS 3Y43.92%
EPS 5Y43.48%
EPS Q2Q%-31.08%
Revenue 1Y (TTM)3.79%
Revenue growth 3Y15.01%
Revenue growth 5Y18.58%
Sales Q2Q%-8.66%

3.2 Future

IGIC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.81% yearly.
IGIC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -6.47% yearly.
EPS Next Y-16.55%
EPS Next 2Y-0.12%
EPS Next 3Y1.81%
EPS Next 5YN/A
Revenue Next Year-18.25%
Revenue Next 2Y-6.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
IGIC Yearly Revenue VS EstimatesIGIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
IGIC Yearly EPS VS EstimatesIGIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.12, which indicates a very decent valuation of IGIC.
IGIC's Price/Earnings ratio is a bit cheaper when compared to the industry. IGIC is cheaper than 68.28% of the companies in the same industry.
When comparing the Price/Earnings ratio of IGIC to the average of the S&P500 Index (27.02), we can say IGIC is valued rather cheaply.
A Price/Forward Earnings ratio of 7.14 indicates a rather cheap valuation of IGIC.
75.86% of the companies in the same industry are more expensive than IGIC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.57, IGIC is valued rather cheaply.
Industry RankSector Rank
PE 9.12
Fwd PE 7.14
IGIC Price Earnings VS Forward Price EarningsIGIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

IGIC's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.42
IGIC Per share dataIGIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

IGIC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2Y-0.12%
EPS Next 3Y1.81%

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.88%, IGIC is not a good candidate for dividend investing.
IGIC's Dividend Yield is comparable with the industry average which is at 3.54.
With a Dividend Yield of 0.88, IGIC pays less dividend than the S&P500 average, which is at 2.44.
Industry RankSector Rank
Dividend Yield 0.88%

5.2 History

IGIC has been paying a dividend for over 5 years, so it has already some track record.
IGIC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
IGIC Yearly Dividends per shareIGIC Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2Y-0.12%
EPS Next 3Y1.81%
IGIC Yearly Income VS Free CF VS DividendIGIC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M 200M

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INTERNATIONAL GENERAL INSURA

NASDAQ:IGIC (10/13/2025, 4:40:56 PM)

After market: 22.71 0 (0%)

22.71

+0.43 (+1.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-05 2025-08-05/amc
Earnings (Next)11-04 2025-11-04
Inst Owners43.95%
Inst Owner Change0%
Ins Owners39.37%
Ins Owner ChangeN/A
Market Cap998.33M
Analysts85.71
Price Target32.64 (43.73%)
Short Float %0.86%
Short Ratio2.51
Dividend
Industry RankSector Rank
Dividend Yield 0.88%
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-Date08-29 2025-08-29 (0.05)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.62%
Min EPS beat(2)-10.49%
Max EPS beat(2)-4.76%
EPS beat(4)2
Avg EPS beat(4)4.99%
Min EPS beat(4)-10.49%
Max EPS beat(4)17.91%
EPS beat(8)6
Avg EPS beat(8)15.81%
EPS beat(12)9
Avg EPS beat(12)31.79%
EPS beat(16)13
Avg EPS beat(16)37.01%
Revenue beat(2)2
Avg Revenue beat(2)40.27%
Min Revenue beat(2)31.14%
Max Revenue beat(2)49.41%
Revenue beat(4)3
Avg Revenue beat(4)17.86%
Min Revenue beat(4)-16.1%
Max Revenue beat(4)49.41%
Revenue beat(8)4
Avg Revenue beat(8)7.18%
Revenue beat(12)6
Avg Revenue beat(12)2.12%
Revenue beat(16)6
Avg Revenue beat(16)-6.94%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-1.19%
EPS NQ rev (3m)1.22%
EPS NY rev (1m)-4.4%
EPS NY rev (3m)-5.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.12
Fwd PE 7.14
P/S 1.87
P/FCF N/A
P/OCF N/A
P/B 1.51
P/tB 1.51
EV/EBITDA 8.42
EPS(TTM)2.49
EY10.96%
EPS(NY)3.18
Fwd EY14.01%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.17
BVpS15.06
TBVpS15.06
PEG (NY)N/A
PEG (5Y)0.21
Profitability
Industry RankSector Rank
ROA 5.9%
ROE 18.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 21.1%
PM (TTM) 23.43%
GM N/A
FCFM N/A
ROA(3y)5.96%
ROA(5y)4.59%
ROE(3y)20.44%
ROE(5y)15.82%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y19.8%
OM growth 5Y21.84%
PM growth 3Y25.11%
PM growth 5Y19.24%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC8.69%
ROIC/WACCN/A
Cap/Depr(3y)121.22%
Cap/Depr(5y)104.5%
Cap/Sales(3y)0.74%
Cap/Sales(5y)0.7%
Profit Quality(3y)169.81%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-18.89%
EPS 3Y43.92%
EPS 5Y43.48%
EPS Q2Q%-31.08%
EPS Next Y-16.55%
EPS Next 2Y-0.12%
EPS Next 3Y1.81%
EPS Next 5YN/A
Revenue 1Y (TTM)3.79%
Revenue growth 3Y15.01%
Revenue growth 5Y18.58%
Sales Q2Q%-8.66%
Revenue Next Year-18.25%
Revenue Next 2Y-6.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-24.02%
EBIT growth 3Y37.78%
EBIT growth 5Y44.48%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.9%
FCF growth 3Y5.47%
FCF growth 5Y58.39%
OCF growth 1Y6.54%
OCF growth 3Y6.12%
OCF growth 5Y57.81%