INTERNATIONAL GENERAL INSURA (IGIC) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:IGIC • BMG4809J1062

25.6 USD
+0.02 (+0.08%)
Last: Feb 6, 2026, 08:00 PM
Fundamental Rating

5

IGIC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. IGIC has an average financial health and profitability rating. IGIC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year IGIC was profitable.
  • IGIC had positive earnings in each of the past 5 years.
  • Of the past 5 years IGIC 4 years had a positive operating cash flow.
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

  • IGIC's Return On Assets of 5.90% is amongst the best of the industry. IGIC outperforms 86.39% of its industry peers.
  • IGIC has a better Return On Equity (18.93%) than 82.31% of its industry peers.
Industry RankSector 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
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

  • Looking at the Profit Margin, with a value of 23.43%, IGIC belongs to the top of the industry, outperforming 93.88% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IGIC has grown nicely.
  • Looking at the Operating Margin, with a value of 21.10%, IGIC is in the better half of the industry, outperforming 74.83% of the companies in the same industry.
  • In the last couple of years the Operating Margin of IGIC has grown nicely.
Industry RankSector 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
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.
  • 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.
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
WACC8.85%
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. Growth

3.1 Past

  • The earnings per share for IGIC have decreased by -8.81% in the last year.
  • 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.
  • The Revenue has grown by 8.27% in the past year. This is quite good.
  • Measured over the past years, IGIC shows a quite strong growth in Revenue. The Revenue has been growing by 18.58% on average per year.
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-0.15%
Revenue Next 2Y-0.17%
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.
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • IGIC is valuated reasonably with a Price/Earnings ratio of 9.52.
  • 65.31% of the companies in the same industry are more expensive than IGIC, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of IGIC to the average of the S&P500 Index (27.92), we can say IGIC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.34 indicates a reasonable valuation of IGIC.
  • 66.67% of the companies in the same industry are more expensive than IGIC, based on the Price/Forward Earnings ratio.
  • IGIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
Industry RankSector Rank
PE 9.52
Fwd PE 8.34
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 ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.5
IGIC Per share dataIGIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of IGIC may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.22
EPS Next 2Y-1.9%
EPS Next 3Y0.5%

More info and screens

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

1

5. Dividend

5.1 Amount

  • IGIC has a yearly dividend return of 0.79%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.21, IGIC is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.83, IGIC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.79%

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 0.2 0.4 0.6 0.8 1

5.3 Sustainability

DPN/A
EPS Next 2Y-1.9%
EPS Next 3Y0.5%
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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Find the best dividend stocksShow peers with best dividend

INTERNATIONAL GENERAL INSURA

NASDAQ:IGIC (2/6/2026, 8:00:01 PM)

25.6

+0.02 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-24
Inst Owners44.16%
Inst Owner Change-1.28%
Ins Owners40.09%
Ins Owner ChangeN/A
Market Cap1.11B
Revenue(TTM)537.62M
Net Income(TTM)125.31M
Analysts85
Price Target30.6 (19.53%)
Short Float %0.59%
Short Ratio2.81
Dividend
Industry RankSector Rank
Dividend Yield 0.79%
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)0%
PT rev (3m)-6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)9.97%
Revenue NY rev (3m)22.14%
Valuation
Industry RankSector Rank
PE 9.52
Fwd PE 8.34
P/S 2.07
P/FCF N/A
P/OCF N/A
P/B 1.67
P/tB 1.67
EV/EBITDA 9.5
EPS(TTM)2.69
EY10.51%
EPS(NY)3.07
Fwd EY11.99%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS12.39
BVpS15.33
TBVpS15.33
PEG (NY)N/A
PEG (5Y)0.22
Graham Number30.46
Profitability
Industry RankSector 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 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
WACC8.85%
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-0.15%
Revenue Next 2Y-0.17%
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.