IGIC Fundamental Analysis - INTERNATIONAL GENERAL INSURA

Fundamental Rating

Taking everything into account, IGIC scores 4 out of 10 in our fundamental rating. IGIC was compared to 144 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 valuation in line with the averages, but on the other hand it scores bad on growth.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year IGIC was profitable.

Each year in the past 5 years IGIC has been profitable.

IGIC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of IGIC (6.06%) is better than 90.28% of its industry peers.

IGIC has a Return On Equity of 18.86%. This is amongst the best in the industry. IGIC outperforms 86.81% of its industry peers.

		Industry Rank	Sector Rank
ROA	6.06%
ROE	18.86%
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

1.3 Margins

IGIC's Profit Margin of 22.91% is amongst the best of the industry. IGIC outperforms 93.75% 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 86.81% of its industry peers.

In the last couple of years the Operating Margin of IGIC has grown nicely.

		Industry Rank	Sector 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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

The number of shares outstanding for IGIC has been reduced compared to 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.

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.48%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

IGIC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.92%.

The Earnings Per Share has been growing by 43.48% on average over the past years. This is a very strong growth

Looking at the last year, IGIC shows a small growth in Revenue. The Revenue has grown by 5.90% in the last 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)-13.92%

EPS 3Y43.92%

EPS 5Y43.48%

EPS Q2Q%-52.81%

Revenue 1Y (TTM)5.9%

Revenue growth 3Y15.01%

Revenue growth 5Y18.58%

Sales Q2Q%-28.96%

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.

Based on estimates for the next years, IGIC will show a decrease in Revenue. The Revenue will decrease by -6.47% on average per year.

EPS Next Y-9.35%

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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.84, 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 74.31% 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 26.98.

IGIC is valuated cheaply with a Price/Forward Earnings ratio of 7.55.

IGIC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IGIC is cheaper than 70.83% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.49, IGIC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.84
Fwd PE	7.55

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, IGIC is valued a bit cheaper than 65.97% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	7.3

4.3 Compensation for Growth

The decent profitability rating of IGIC may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.2

EPS Next 2Y-0.04%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

IGIC has a yearly dividend return of 0.84%, which is pretty low.

Compared to an average industry Dividend Yield of 3.51, IGIC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.42, IGIC's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.84%

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

5.3 Sustainability

DPN/A

EPS Next 2Y-0.04%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

INTERNATIONAL GENERAL INSURA

NASDAQ:IGIC (6/27/2025, 4:04:01 PM)

24.05

+0.36 (+1.52%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)05-06 2025-05-06/amc

Earnings (Next)08-06 2025-08-06

Inst Owners44.08%

Inst Owner Change-3.87%

Ins Owners38.11%

Ins Owner ChangeN/A

Market Cap1.09B

Analysts87.5

Price Target32.64 (35.72%)

Short Float %0.29%

Short Ratio0.54

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.84%

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)1

Avg Revenue beat(2)0.16%

Min Revenue beat(2)-6.66%

Max Revenue beat(2)6.99%

Revenue beat(4)1

Avg Revenue beat(4)-5.85%

Min Revenue beat(4)-16.1%

Max Revenue beat(4)6.99%

Revenue beat(8)3

Avg Revenue beat(8)-3.26%

Revenue beat(12)4

Avg Revenue beat(12)-9.15%

Revenue beat(16)5

Avg Revenue beat(16)-12.01%

PT rev (1m)0%

PT rev (3m)1.59%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-13.04%

EPS NY rev (1m)0%

EPS NY rev (3m)-5.5%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-34.33%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-21.4%

Valuation

		Industry Rank	Sector Rank
PE	8.84
Fwd PE	7.55
P/S	2.02
P/FCF	N/A
P/OCF	N/A
P/B	1.66
P/tB	1.66
EV/EBITDA	7.3

EPS(TTM)2.72

EY11.31%

EPS(NY)3.19

Fwd EY13.25%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS11.9

BVpS14.46

TBVpS14.46

PEG (NY)N/A

PEG (5Y)0.2

Profitability

		Industry Rank	Sector Rank
ROA	6.06%
ROE	18.86%
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 Rank	Sector 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

WACC9.48%

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-9.35%

EPS Next 2Y-0.04%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.9%

Revenue growth 3Y15.01%

Revenue growth 5Y18.58%

Sales Q2Q%-28.96%

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%

INTERNATIONAL GENERAL INSURA (IGIC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens