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 143 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.

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1. Profitability

1.1 Basic Checks

In the past year IGIC was profitable.

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

IGIC has a better Return On Assets (6.06%) than 90.91% of its industry peers.

IGIC has a better Return On Equity (18.86%) than 88.11% 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 has a Profit Margin of 22.91%. This is amongst the best in the industry. IGIC outperforms 95.80% of its industry peers.

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

Looking at the Operating Margin, with a value of 23.13%, IGIC belongs to the top of the industry, outperforming 89.51% of the companies in the same industry.

IGIC's Operating Margin has improved in the last couple of years.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

IGIC does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for IGIC has been increased compared to 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

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

WACC9.04%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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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%.

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.

IGIC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.90%.

The Revenue has been growing by 18.58% on average over the past years. This is quite good.

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%13.71%

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-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

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.57 indicates a reasonable valuation of IGIC.

Compared to the rest of the industry, the Price/Earnings ratio of IGIC indicates a somewhat cheap valuation: IGIC is cheaper than 73.43% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.93. IGIC is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 7.32, the valuation of IGIC can be described as very cheap.

Based on the Price/Forward Earnings ratio, IGIC is valued a bit cheaper than 72.73% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 37.78. IGIC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.57
Fwd PE	7.32

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, IGIC is valued a bit cheaper than the industry average as 65.73% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	7.15

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)0.2

EPS Next 2Y-0.04%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

IGIC has a yearly dividend return of 0.83%, which is pretty low.

IGIC's Dividend Yield is slightly below the industry average, which is at 3.29.

Compared to an average S&P500 Dividend Yield of 2.32, IGIC's dividend is way lower than the S&P500 average.

		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.

IGIC has decreased its dividend 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

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INTERNATIONAL GENERAL INSURA

NASDAQ:IGIC (7/28/2025, 8:00:02 PM)

After market: 23.45 +0.13 (+0.56%)

23.32

-0.68 (-2.83%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

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

Earnings (Next)08-05 2025-08-05

Inst Owners44.08%

Inst Owner Change-0.45%

Ins Owners38.11%

Ins Owner ChangeN/A

Market Cap1.04B

Analysts87.5

Price Target32.64 (39.97%)

Short Float %0.83%

Short Ratio1.62

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-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)-12.5%

EPS NQ rev (3m)-23.91%

EPS NY rev (1m)-2.65%

EPS NY rev (3m)-5.48%

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	8.57
Fwd PE	7.32
P/S	1.93
P/FCF	N/A
P/OCF	N/A
P/B	1.59
P/tB	1.59
EV/EBITDA	7.15

EPS(TTM)2.72

EY11.66%

EPS(NY)3.19

Fwd EY13.67%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS12.08

BVpS14.67

TBVpS14.67

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

WACC9.04%

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-11.75%

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%13.71%

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

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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