24.01 USD
+0.2 (+0.84%)
Overall IGIC gets a fundamental rating of 5 out of 10. We evaluated IGIC against 146 industry peers in the Insurance industry. IGIC has an average financial health and profitability rating. IGIC has a decent growth rate and is not valued too expensively.
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.
- Of the past 5 years IGIC 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 5.90%, IGIC belongs to the top of the industry, outperforming 86.99% of the companies in the same industry.
- With an excellent Return On Equity value of 18.93%, IGIC belongs to the best of the industry, outperforming 83.56% 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
- With an excellent Profit Margin value of 23.43%, IGIC belongs to the best of the industry, outperforming 93.84% of the companies in the same industry.
- In the last couple of years the Profit Margin of IGIC has grown nicely.
- IGIC's Operating Margin of 21.10% is fine compared to the rest of the industry. IGIC outperforms 76.03% 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.
- IGIC has more shares outstanding than it did 1 year ago.
- IGIC has less shares outstanding than it did 5 years ago.
- 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
WACC8.79%
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 0.50% yearly.
- Based on estimates for the next years, IGIC will show a small growth in Revenue. The Revenue will grow by 1.21% on average per year.
EPS Next Y-15.59%
EPS Next 2Y-1.9%
EPS Next 3Y0.5%
EPS Next 5YN/A
Revenue Next Year-9.2%
Revenue Next 2Y-3.27%
Revenue Next 3Y1.21%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.93, the valuation of IGIC can be described as very reasonable.
- Based on the Price/Earnings ratio, IGIC is valued a bit cheaper than the industry average as 69.18% of the companies are valued more expensively.
- IGIC is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 7.82, which indicates a rather cheap valuation of IGIC.
- 72.60% of the companies in the same industry are more expensive than IGIC, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of IGIC to the average of the S&P500 Index (24.31), we can say IGIC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.93 | ||
| Fwd PE | 7.82 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IGIC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.84 |
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)0.21
EPS Next 2Y-1.9%
EPS Next 3Y0.5%
5. Dividend
5.1 Amount
- IGIC has a yearly dividend return of 0.83%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.42, IGIC is paying slightly less dividend.
- With a Dividend Yield of 0.83, IGIC pays less dividend than the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
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-1.9%
EPS Next 3Y0.5%
NASDAQ:IGIC (1/15/2026, 4:30:01 PM)
24.01
+0.2 (+0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners44.16%
Inst Owner Change0.04%
Ins Owners40.09%
Ins Owner ChangeN/A
Market Cap1.04B
Revenue(TTM)537.62M
Net Income(TTM)125.31M
Analysts85
Price Target30.6 (27.45%)
Short Float %0.6%
Short Ratio2.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.83% |
Yearly Dividend0.59
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
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)-6.25%
PT rev (3m)-6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.64%
EPS NY rev (1m)0.76%
EPS NY rev (3m)1.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)11.07%
Revenue NY rev (3m)11.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.93 | ||
| Fwd PE | 7.82 | ||
| P/S | 1.94 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.57 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | 8.84 |
EPS(TTM)2.69
EY11.2%
EPS(NY)3.07
Fwd EY12.79%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.39
BVpS15.33
TBVpS15.33
PEG (NY)N/A
PEG (5Y)0.21
Graham Number30.46
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
WACC8.79%
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-15.59%
EPS Next 2Y-1.9%
EPS Next 3Y0.5%
EPS Next 5YN/A
Revenue 1Y (TTM)8.27%
Revenue growth 3Y15.01%
Revenue growth 5Y18.58%
Sales Q2Q%-5.06%
Revenue Next Year-9.2%
Revenue Next 2Y-3.27%
Revenue Next 3Y1.21%
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.
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 6 / 10.
What is the earnings growth outlook for INTERNATIONAL GENERAL INSURA?
The Earnings per Share (EPS) of INTERNATIONAL GENERAL INSURA (IGIC) is expected to decline by -15.59% in the next year.