INTERNATIONAL GENERAL INSURA (IGIC) Stock Fundamental Analysis
USA - NASDAQ:IGIC - BMG4809J1062 - Common Stock
22.89 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to IGIC. IGIC was compared to 146 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
IGIC had positive earnings in the past year.
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 (5.90%) is better than 88.36% 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 84.93% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
IGIC's Profit Margin of 23.43% is amongst the best of the industry. IGIC outperforms 93.15% of its industry peers.
In the last couple of years the Profit Margin of IGIC has grown nicely.
IGIC has a better Operating Margin (21.10%) than 80.14% of its industry peers.
IGIC's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for IGIC have decreased by -8.81% in the last year.
The Earnings Per Share has been growing by 43.48% on average over the past years. This is a very strong growth
IGIC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.27%.
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)-8.81%
EPS 3Y43.92%
EPS 5Y43.48%
EPS Q2Q%29.85%
Revenue 1Y (TTM)8.27%
Revenue growth 3Y15.01%
Revenue growth 5Y18.58%
Sales Q2Q%-5.06%
3.2 Future
IGIC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.77% yearly.
The Revenue is expected to decrease by -6.47% on average over the next years.
EPS Next Y-13.99%
EPS Next 2Y-0.12%
EPS Next 3Y0.77%
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.
4. Valuation
4.1 Price/Earnings Ratio
IGIC is valuated reasonably with a Price/Earnings ratio of 8.51.
69.18% of the companies in the same industry are more expensive than IGIC, based on the Price/Earnings ratio.
IGIC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.28.
The Price/Forward Earnings ratio is 7.19, which indicates a rather cheap valuation of IGIC.
Based on the Price/Forward Earnings ratio, IGIC is valued a bit cheaper than 74.66% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.61. IGIC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.51 | ||
| Fwd PE | 7.19 |
4.2 Price Multiples
IGIC's Enterprise Value to EBITDA is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.65 |
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-0.12%
EPS Next 3Y0.77%
5. Dividend
5.1 Amount
With a yearly dividend of 0.91%, IGIC is not a good candidate for dividend investing.
IGIC's Dividend Yield is slightly below the industry average, which is at 3.45.
With a Dividend Yield of 0.91, IGIC pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
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-0.12%
EPS Next 3Y0.77%
NASDAQ:IGIC (11/11/2025, 12:43:07 PM)
22.89
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners43.95%
Inst Owner Change-1.52%
Ins Owners39.37%
Ins Owner ChangeN/A
Market Cap1.01B
Revenue(TTM)537.62M
Net Income(TTM)125.31M
Analysts85.71
Price Target32.64 (42.6%)
Short Float %0.57%
Short Ratio2.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.91% |
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)9.64%
EPS NQ rev (3m)10.98%
EPS NY rev (1m)3.07%
EPS NY rev (3m)-2.54%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.51 | ||
| Fwd PE | 7.19 | ||
| P/S | 1.88 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.52 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | 8.65 |
EPS(TTM)2.69
EY11.75%
EPS(NY)3.18
Fwd EY13.9%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.17
BVpS15.06
TBVpS15.06
PEG (NY)N/A
PEG (5Y)0.2
Graham Number30.19
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 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
WACC8.75%
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)-8.81%
EPS 3Y43.92%
EPS 5Y43.48%
EPS Q2Q%29.85%
EPS Next Y-13.99%
EPS Next 2Y-0.12%
EPS Next 3Y0.77%
EPS Next 5YN/A
Revenue 1Y (TTM)8.27%
Revenue growth 3Y15.01%
Revenue growth 5Y18.58%
Sales Q2Q%-5.06%
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%
INTERNATIONAL GENERAL INSURA / IGIC FAQ
Can you provide the ChartMill fundamental rating for INTERNATIONAL GENERAL INSURA?
ChartMill assigns a fundamental rating of 5 / 10 to IGIC.
Can you provide the valuation status for INTERNATIONAL GENERAL INSURA?
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 6 / 10.
How financially healthy is INTERNATIONAL GENERAL INSURA?
The financial health rating of INTERNATIONAL GENERAL INSURA (IGIC) is 4 / 10.
What is the expected EPS growth for INTERNATIONAL GENERAL INSURA (IGIC) stock?
The Earnings per Share (EPS) of INTERNATIONAL GENERAL INSURA (IGIC) is expected to decline by -13.99% in the next year.