Logo image of IGIC

INTERNATIONAL GENERAL INSURA (IGIC) Stock Fundamental Analysis

NASDAQ:IGIC - Nasdaq - BMG4809J1062 - Common Stock - Currency: USD

24.33  -0.41 (-1.66%)

Fundamental Rating

4

IGIC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. IGIC has only an average score on both its financial health and profitability. IGIC has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

5

1. Profitability

1.1 Basic Checks

In the past year IGIC was profitable.
IGIC had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: IGIC reported negative operating cash flow in multiple years.
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 0 50M -50M 100M 150M

1.2 Ratios

The Return On Assets of IGIC (6.69%) is better than 90.21% of its industry peers.
The Return On Equity of IGIC (20.63%) is better than 87.41% of its industry peers.
Industry RankSector Rank
ROA 6.69%
ROE 20.63%
ROIC N/A
ROA(3y)4.81%
ROA(5y)3.75%
ROE(3y)17.36%
ROE(5y)13.27%
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 5 10 15 20

1.3 Margins

IGIC has a better Profit Margin (25.32%) than 92.31% of its industry peers.
IGIC's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 25.83%, IGIC belongs to the top of the industry, outperforming 88.81% 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 25.83%
PM (TTM) 25.32%
GM N/A
OM growth 3Y31.51%
OM growth 5Y13.18%
PM growth 3Y37.51%
PM growth 5Y11.2%
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 5 10 15 20 25

More info and screens

4

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 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 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 500M 1B 1.5B

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
WACC8.86%
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 0 200M 400M

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 5M 10M 15M 20M 25M

More info and screens

3

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.38% over the past year.
IGIC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 43.92% yearly.
EPS 1Y (TTM)10.38%
EPS 3Y43.92%
EPS 5YN/A
EPS Q2Q%36.92%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.88%

3.2 Future

The Earnings Per Share is expected to grow by 0.63% on average over the next years.
IGIC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.00% yearly.
EPS Next Y-3.76%
EPS Next 2Y0.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.01%
Revenue Next 2Y5%
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.
IGIC Yearly Revenue VS EstimatesIGIC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
IGIC Yearly EPS VS EstimatesIGIC Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.63, the valuation of IGIC can be described as very cheap.
74.83% of the companies in the same industry are more expensive than IGIC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 29.71. IGIC is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.92 indicates a rather cheap valuation of IGIC.
IGIC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. IGIC is cheaper than 74.83% of the companies in the same industry.
IGIC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.34.
Industry RankSector Rank
PE 7.63
Fwd PE 7.92
IGIC Price Earnings VS Forward Price EarningsIGIC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IGIC indicates a somewhat cheap valuation: IGIC is cheaper than 72.03% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.88
IGIC Per share dataIGIC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y0.63%
EPS Next 3YN/A

More info and screens

1

5. Dividend

5.1 Amount

With a yearly dividend of 0.41%, IGIC is not a good candidate for dividend investing.
IGIC's Dividend Yield is slightly below the industry average, which is at 3.06.
Compared to an average S&P500 Dividend Yield of 2.30, IGIC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.41%

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 recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
IGIC Yearly Dividends per shareIGIC Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

DPN/A
EPS Next 2Y0.63%
EPS Next 3YN/A
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 0 50M -50M 100M 150M

More info and screens

INTERNATIONAL GENERAL INSURA

NASDAQ:IGIC (3/6/2025, 1:58:25 PM)

24.33

-0.41 (-1.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25 2025-02-25/amc
Earnings (Next)05-07 2025-05-07
Inst Owners43.78%
Inst Owner Change-13.2%
Ins Owners38.46%
Ins Owner ChangeN/A
Market Cap1.10B
Analysts86.67
Price Target32.13 (32.06%)
Short Float %0.58%
Short Ratio1.76
Dividend
Industry RankSector Rank
Dividend Yield 0.41%
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.16%
Min EPS beat(2)17.01%
Max EPS beat(2)17.3%
EPS beat(4)4
Avg EPS beat(4)16.83%
Min EPS beat(4)2.78%
Max EPS beat(4)30.23%
EPS beat(8)7
Avg EPS beat(8)32.94%
EPS beat(12)11
Avg EPS beat(12)45.95%
EPS beat(16)13
Avg EPS beat(16)35.31%
Revenue beat(2)0
Avg Revenue beat(2)-11.86%
Min Revenue beat(2)-16.1%
Max Revenue beat(2)-7.62%
Revenue beat(4)0
Avg Revenue beat(4)-10.82%
Min Revenue beat(4)-16.1%
Max Revenue beat(4)-5.2%
Revenue beat(8)3
Avg Revenue beat(8)-5.06%
Revenue beat(12)3
Avg Revenue beat(12)-14.78%
Revenue beat(16)6
Avg Revenue beat(16)-11.36%
PT rev (1m)3.57%
PT rev (3m)11.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.43%
EPS NY rev (1m)0%
EPS NY rev (3m)3.07%
Revenue NQ rev (1m)-10.16%
Revenue NQ rev (3m)1.82%
Revenue NY rev (1m)-5.7%
Revenue NY rev (3m)8.22%
Valuation
Industry RankSector Rank
PE 7.63
Fwd PE 7.92
P/S 2.08
P/FCF N/A
P/OCF N/A
P/B 1.69
P/tB 1.69
EV/EBITDA 6.88
EPS(TTM)3.19
EY13.11%
EPS(NY)3.07
Fwd EY12.62%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.71
BVpS14.37
TBVpS14.37
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 6.69%
ROE 20.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 25.83%
PM (TTM) 25.32%
GM N/A
FCFM N/A
ROA(3y)4.81%
ROA(5y)3.75%
ROE(3y)17.36%
ROE(5y)13.27%
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 3Y31.51%
OM growth 5Y13.18%
PM growth 3Y37.51%
PM growth 5Y11.2%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.26
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
WACC8.86%
ROIC/WACCN/A
Cap/Depr(3y)84.96%
Cap/Depr(5y)76.36%
Cap/Sales(3y)0.55%
Cap/Sales(5y)0.55%
Profit Quality(3y)247.95%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.38%
EPS 3Y43.92%
EPS 5YN/A
EPS Q2Q%36.92%
EPS Next Y-3.76%
EPS Next 2Y0.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.88%
Revenue Next Year4.01%
Revenue Next 2Y5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y9.85%
EBIT growth 3Y56.03%
EBIT growth 5Y36.47%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.88%
FCF growth 3YN/A
FCF growth 5Y13.44%
OCF growth 1Y26.94%
OCF growth 3YN/A
OCF growth 5Y13.56%