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INTERNATIONAL GENERAL INSURA (IGIC) Stock Fundamental Analysis

NASDAQ:IGIC - Nasdaq - BMG4809J1062 - Common Stock - Currency: USD

23.58  +0.68 (+2.97%)

After market: 23.58 0 (0%)

Fundamental Rating

5

IGIC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. Both the profitability and the financial health of IGIC get a neutral evaluation. Nothing too spectacular is happening here. IGIC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

IGIC had positive earnings in the past year.
In the past year IGIC had a positive cash flow from operations.
In the past 5 years IGIC has always been profitable.
IGIC had a positive operating cash flow in 4 of the past 5 years.
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's Return On Assets of 6.55% is amongst the best of the industry. IGIC outperforms 93.01% of its industry peers.
IGIC's Return On Equity of 20.37% is amongst the best of the industry. IGIC outperforms 88.81% of its industry peers.
Industry RankSector Rank
ROA 6.55%
ROE 20.37%
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

Looking at the Profit Margin, with a value of 24.81%, IGIC belongs to the top of the industry, outperforming 93.71% of the companies in the same industry.
In the last couple of years the Profit Margin of IGIC has grown nicely.
With an excellent Operating Margin value of 26.80%, IGIC belongs to the best of the industry, outperforming 92.31% of the companies in the same industry.
IGIC's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 26.8%
PM (TTM) 24.81%
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.
The number of shares outstanding for IGIC has been increased compared to 1 year ago.
Compared to 5 years ago, IGIC has less shares outstanding
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.
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 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.09%
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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4

3. Growth

3.1 Past

The earnings per share for IGIC have decreased strongly by -13.92% 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 grown by 8.27% in the past year. This is quite good.
The Revenue has been growing by 18.58% on average over the past years. This is quite good.
EPS 1Y (TTM)-13.92%
EPS 3Y43.92%
EPS 5Y43.48%
EPS Q2Q%-52.81%
Revenue 1Y (TTM)8.27%
Revenue growth 3Y15.01%
Revenue growth 5Y18.58%
Sales Q2Q%-28.96%

3.2 Future

The Earnings Per Share is expected to grow by 0.76% on average over the next years.
Based on estimates for the next years, IGIC will show a small growth in Revenue. The Revenue will grow by 5.00% on average per year.
EPS Next Y-6.63%
EPS Next 2Y0.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.01%
Revenue Next 2Y5%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.67, which indicates a very decent valuation of IGIC.
Based on the Price/Earnings ratio, IGIC is valued a bit cheaper than the industry average as 76.22% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 24.83, IGIC is valued rather cheaply.
The Price/Forward Earnings ratio is 7.28, which indicates a rather cheap valuation of IGIC.
IGIC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IGIC is cheaper than 74.83% of the companies in the same industry.
IGIC is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.94, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.67
Fwd PE 7.28
IGIC Price Earnings VS Forward Price EarningsIGIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

74.83% of the companies in the same industry are more expensive than IGIC, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, IGIC is valued a bit cheaper than 72.03% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.24
EV/EBITDA 5.95
IGIC Per share dataIGIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

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)0.2
EPS Next 2Y0.76%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.43%, IGIC is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.21, IGIC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, IGIC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.43%

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 recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
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

IGIC pays out 19.88% of its income as dividend. This is a sustainable payout ratio.
DP19.88%
EPS Next 2Y0.76%
EPS Next 3YN/A
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
IGIC Dividend Payout.IGIC Dividend Payout, showing the Payout Ratio.IGIC Dividend Payout.PayoutRetained Earnings

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INTERNATIONAL GENERAL INSURA

NASDAQ:IGIC (5/13/2025, 4:05:02 PM)

After market: 23.58 0 (0%)

23.58

+0.68 (+2.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)N/A N/A
Inst Owners43.78%
Inst Owner Change-0.61%
Ins Owners38.46%
Ins Owner ChangeN/A
Market Cap1.06B
Analysts87.5
Price Target32.64 (38.42%)
Short Float %0.36%
Short Ratio0.72
Dividend
Industry RankSector Rank
Dividend Yield 0.43%
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DP19.88%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-04 2025-04-04 (0.85)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.6%
Min EPS beat(2)17.3%
Max EPS beat(2)17.91%
EPS beat(4)4
Avg EPS beat(4)20.61%
Min EPS beat(4)17.01%
Max EPS beat(4)30.23%
EPS beat(8)8
Avg EPS beat(8)35.43%
EPS beat(12)11
Avg EPS beat(12)46.04%
EPS beat(16)14
Avg EPS beat(16)38.74%
Revenue beat(2)1
Avg Revenue beat(2)-4.56%
Min Revenue beat(2)-16.1%
Max Revenue beat(2)6.99%
Revenue beat(4)1
Avg Revenue beat(4)-5.48%
Min Revenue beat(4)-16.1%
Max Revenue beat(4)6.99%
Revenue beat(8)4
Avg Revenue beat(8)0.92%
Revenue beat(12)4
Avg Revenue beat(12)-10.32%
Revenue beat(16)6
Avg Revenue beat(16)-11.1%
PT rev (1m)1.59%
PT rev (3m)14.29%
EPS NQ rev (1m)-16.87%
EPS NQ rev (3m)-33.33%
EPS NY rev (1m)-2.67%
EPS NY rev (3m)-2.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-8.02%
Valuation
Industry RankSector Rank
PE 8.67
Fwd PE 7.28
P/S 1.98
P/FCF 5.24
P/OCF 5.08
P/B 1.62
P/tB 1.62
EV/EBITDA 5.95
EPS(TTM)2.72
EY11.54%
EPS(NY)3.24
Fwd EY13.73%
FCF(TTM)4.5
FCFY19.07%
OCF(TTM)4.64
OCFY19.69%
SpS11.92
BVpS14.52
TBVpS14.52
PEG (NY)N/A
PEG (5Y)0.2
Profitability
Industry RankSector Rank
ROA 6.55%
ROE 20.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 26.8%
PM (TTM) 24.81%
GM N/A
FCFM 37.72%
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-Score8
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 194.71%
Cap/Sales 1.23%
Interest Coverage 250
Cash Conversion 141.95%
Profit Quality 152.04%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.09%
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)-13.92%
EPS 3Y43.92%
EPS 5Y43.48%
EPS Q2Q%-52.81%
EPS Next Y-6.63%
EPS Next 2Y0.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.27%
Revenue growth 3Y15.01%
Revenue growth 5Y18.58%
Sales Q2Q%-28.96%
Revenue Next Year4.01%
Revenue Next 2Y5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-0.46%
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%