INTERNATIONAL GENERAL INSURA (IGIC) Fundamental Analysis & Valuation

NASDAQ:IGIC • BMG4809J1062

Current stock price

23.16 USD
-0.67 (-2.81%)
At close:
22.49 USD
-0.67 (-2.89%)
After Hours:

This IGIC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. IGIC Profitability Analysis

1.1 Basic Checks

  • IGIC had positive earnings in the past year.
  • 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 2025 0 100M 200M

1.2 Ratios

  • The Return On Assets of IGIC (6.02%) is better than 83.11% of its industry peers.
  • The Return On Equity of IGIC (17.80%) is better than 75.68% of its industry peers.
Industry RankSector Rank
ROA 6.02%
ROE 17.8%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 2025 5 10 15 20

1.3 Margins

  • With an excellent Profit Margin value of 24.58%, IGIC belongs to the best of the industry, outperforming 92.57% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IGIC has grown nicely.
  • IGIC has a Operating Margin of 22.56%. This is in the better half of the industry: IGIC outperforms 79.05% of its industry peers.
  • In the last couple of years the Operating Margin of IGIC has grown nicely.
Industry RankSector Rank
OM 22.56%
PM (TTM) 24.58%
GM N/A
OM growth 3Y-2.32%
OM growth 5Y11.85%
PM growth 3Y5.21%
PM growth 5Y23.46%
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 2025 5 10 15 20 25

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4

2. IGIC Health Analysis

2.1 Basic Checks

  • IGIC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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

  • IGIC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.08%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. IGIC Growth Analysis

3.1 Past

  • IGIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.50%.
  • Measured over the past years, IGIC shows a very strong growth in Earnings Per Share. The EPS has been growing by 37.41% on average per year.
  • Looking at the last year, IGIC shows a decrease in Revenue. The Revenue has decreased by -4.39% in the last year.
  • Measured over the past years, IGIC shows a quite strong growth in Revenue. The Revenue has been growing by 11.56% on average per year.
EPS 1Y (TTM)-18.5%
EPS 3Y10.44%
EPS 5Y37.41%
EPS Q2Q%-10.11%
Revenue 1Y (TTM)-4.39%
Revenue growth 3Y8.81%
Revenue growth 5Y11.56%
Sales Q2Q%-19.13%

3.2 Future

  • Based on estimates for the next years, IGIC will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.17% on average per year.
  • IGIC is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -12.81% yearly.
EPS Next Y18.08%
EPS Next 2Y11.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-25.87%
Revenue Next 2Y-12.81%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • 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 2027 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. IGIC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.91, the valuation of IGIC can be described as reasonable.
  • IGIC's Price/Earnings ratio is a bit cheaper when compared to the industry. IGIC is cheaper than 63.51% of the companies in the same industry.
  • IGIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.88.
  • The Price/Forward Earnings ratio is 7.54, 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 69.59% of the companies in the same industry.
  • IGIC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.91
Fwd PE 7.54
IGIC Price Earnings VS Forward Price EarningsIGIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
IGIC Per share dataIGIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.49
PEG (5Y)0.24
EPS Next 2Y11.17%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. IGIC Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.90%, IGIC is not a good candidate for dividend investing.
  • IGIC's Dividend Yield is slightly below the industry average, which is at 2.84.
  • Compared to an average S&P500 Dividend Yield of 1.90, IGIC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.9%

5.2 History

  • IGIC has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of IGIC decreased 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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

DPN/A
EPS Next 2Y11.17%
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 2025 0 50M -50M 100M 150M 200M

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IGIC Fundamentals: All Metrics, Ratios and Statistics

INTERNATIONAL GENERAL INSURA

NASDAQ:IGIC (3/27/2026, 8:25:47 PM)

After market: 22.49 -0.67 (-2.89%)

23.16

-0.67 (-2.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-24
Earnings (Next)N/A
Inst Owners45.13%
Inst Owner Change-4.08%
Ins Owners41.22%
Ins Owner Change0%
Market Cap972.49M
Revenue(TTM)514.20M
Net Income(TTM)126.40M
Analysts85
Price Target30.6 (32.12%)
Short Float %0.7%
Short Ratio2.76
Dividend
Industry RankSector Rank
Dividend Yield 0.9%
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-Date03-18
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.81%
Min EPS beat(2)-6.27%
Max EPS beat(2)-1.34%
EPS beat(4)0
Avg EPS beat(4)-5.72%
Min EPS beat(4)-10.49%
Max EPS beat(4)-1.34%
EPS beat(8)4
Avg EPS beat(8)7.45%
EPS beat(12)8
Avg EPS beat(12)21.71%
EPS beat(16)11
Avg EPS beat(16)33.1%
Revenue beat(2)0
Avg Revenue beat(2)-11.62%
Min Revenue beat(2)-12.88%
Max Revenue beat(2)-10.36%
Revenue beat(4)2
Avg Revenue beat(4)14.33%
Min Revenue beat(4)-12.88%
Max Revenue beat(4)49.41%
Revenue beat(8)3
Avg Revenue beat(8)4.42%
Revenue beat(12)6
Avg Revenue beat(12)5.39%
Revenue beat(16)6
Avg Revenue beat(16)-4.16%
PT rev (1m)0%
PT rev (3m)-6.25%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-8.67%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.33%
Revenue NQ rev (1m)-35.32%
Revenue NQ rev (3m)-13.67%
Revenue NY rev (1m)-25.73%
Revenue NY rev (3m)-15.39%
Valuation
Industry RankSector Rank
PE 8.91
Fwd PE 7.54
P/S 1.89
P/FCF N/A
P/OCF N/A
P/B 1.37
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)2.6
EY11.23%
EPS(NY)3.07
Fwd EY13.26%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.25
BVpS16.91
TBVpS16.91
PEG (NY)0.49
PEG (5Y)0.24
Graham Number31.46
Profitability
Industry RankSector Rank
ROA 6.02%
ROE 17.8%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 22.56%
PM (TTM) 24.58%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-2.32%
OM growth 5Y11.85%
PM growth 3Y5.21%
PM growth 5Y23.46%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
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
WACC9.08%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-18.5%
EPS 3Y10.44%
EPS 5Y37.41%
EPS Q2Q%-10.11%
EPS Next Y18.08%
EPS Next 2Y11.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.39%
Revenue growth 3Y8.81%
Revenue growth 5Y11.56%
Sales Q2Q%-19.13%
Revenue Next Year-25.87%
Revenue Next 2Y-12.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-19.53%
EBIT growth 3Y6.29%
EBIT growth 5Y24.78%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

INTERNATIONAL GENERAL INSURA / IGIC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for INTERNATIONAL GENERAL INSURA?

ChartMill assigns a fundamental rating of 4 / 10 to IGIC.


What is the valuation status for IGIC stock?

ChartMill assigns a valuation rating of 5 / 10 to INTERNATIONAL GENERAL INSURA (IGIC). This can be considered as Fairly Valued.


What is the profitability of IGIC stock?

INTERNATIONAL GENERAL INSURA (IGIC) has a profitability rating of 5 / 10.


What is the earnings growth outlook for INTERNATIONAL GENERAL INSURA?

The Earnings per Share (EPS) of INTERNATIONAL GENERAL INSURA (IGIC) is expected to grow by 18.08% in the next year.