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INTERNATIONAL GENERAL INSURA (IGIC) Stock Fundamental Analysis

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

25.1  +0.44 (+1.78%)

After market: 25.1 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to IGIC. IGIC was compared to 141 industry peers in the Insurance industry. IGIC has an average financial health and profitability rating. IGIC has a valuation in line with the averages, but on the other hand it scores bad on growth.


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.
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

With an excellent Return On Assets value of 5.91%, IGIC belongs to the best of the industry, outperforming 90.07% of the companies in the same industry.
The Return On Equity of IGIC (19.00%) is better than 87.94% of its industry peers.
Industry RankSector Rank
ROA 5.91%
ROE 19%
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 has a better Profit Margin (22.91%) than 94.33% of its industry peers.
In the last couple of years the Profit Margin of IGIC has grown nicely.
IGIC's Operating Margin of 23.13% is amongst the best of the industry. IGIC outperforms 88.65% of its industry peers.
IGIC's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 23.13%
PM (TTM) 22.91%
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.
IGIC has more shares outstanding than it did 1 year ago.
IGIC has less shares outstanding than it did 5 years ago.
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
WACC8.94%
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

IGIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.89%.
Measured over the past years, IGIC shows a very strong growth in Earnings Per Share. The EPS has been growing by 43.48% on average per year.
Looking at the last year, IGIC shows a quite strong growth in Revenue. The Revenue has grown by 8.27% in the last year.
The Revenue has been growing by 18.58% on average over the past years. This is quite good.
EPS 1Y (TTM)-18.89%
EPS 3Y43.92%
EPS 5Y43.48%
EPS Q2Q%-31.08%
Revenue 1Y (TTM)8.27%
Revenue growth 3Y15.01%
Revenue growth 5Y18.58%
Sales Q2Q%-8.66%

3.2 Future

IGIC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.04% 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-11.75%
EPS Next 2Y-0.04%
EPS Next 3YN/A
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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.08, 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 64.54% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.86, IGIC is valued rather cheaply.
A Price/Forward Earnings ratio of 7.87 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 68.79% of the companies in the same industry.
IGIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.94.
Industry RankSector Rank
PE 10.08
Fwd PE 7.87
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

IGIC's Enterprise Value to EBITDA is on the same level as the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.59
IGIC Per share dataIGIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

The decent profitability rating of IGIC may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2Y-0.04%
EPS Next 3YN/A

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1

5. Dividend

5.1 Amount

With a yearly dividend of 0.82%, IGIC is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.59, IGIC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.36, IGIC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.82%

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-0.04%
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

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INTERNATIONAL GENERAL INSURA

NASDAQ:IGIC (8/21/2025, 4:30:02 PM)

After market: 25.1 0 (0%)

25.1

+0.44 (+1.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-05 2025-08-05/amc
Earnings (Next)N/A N/A
Inst Owners45.56%
Inst Owner Change-8.6%
Ins Owners38.68%
Ins Owner ChangeN/A
Market Cap1.12B
Analysts87.5
Price Target32.64 (30.04%)
Short Float %0.87%
Short Ratio1.85
Dividend
Industry RankSector Rank
Dividend Yield 0.82%
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-Date06-02 2025-06-02 (0.05)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.71%
Min EPS beat(2)-10.49%
Max EPS beat(2)17.91%
EPS beat(4)3
Avg EPS beat(4)10.43%
Min EPS beat(4)-10.49%
Max EPS beat(4)17.91%
EPS beat(8)7
Avg EPS beat(8)21.29%
EPS beat(12)10
Avg EPS beat(12)38.94%
EPS beat(16)13
Avg EPS beat(16)35.14%
Revenue beat(2)2
Avg Revenue beat(2)28.2%
Min Revenue beat(2)6.99%
Max Revenue beat(2)49.41%
Revenue beat(4)2
Avg Revenue beat(4)8.17%
Min Revenue beat(4)-16.1%
Max Revenue beat(4)49.41%
Revenue beat(8)4
Avg Revenue beat(8)3.75%
Revenue beat(12)5
Avg Revenue beat(12)-4.48%
Revenue beat(16)6
Avg Revenue beat(16)-8.5%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.5%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.65%
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 10.08
Fwd PE 7.87
P/S 2.08
P/FCF N/A
P/OCF N/A
P/B 1.72
P/tB 1.72
EV/EBITDA 8.59
EPS(TTM)2.49
EY9.92%
EPS(NY)3.19
Fwd EY12.7%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.08
BVpS14.56
TBVpS14.56
PEG (NY)N/A
PEG (5Y)0.23
Profitability
Industry RankSector Rank
ROA 5.91%
ROE 19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 23.13%
PM (TTM) 22.91%
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 Turnover0.26
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
WACC8.94%
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-11.75%
EPS Next 2Y-0.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.27%
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-19.38%
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%