(IGIC) International General - Ratings and Ratios
Commercial,P&C,Reinsurance,Liability
IGIC EPS (Earnings per Share)
IGIC Revenue
Description: IGIC International General
International General Insurance Holdings Ltd (NASDAQ:IGIC) is a property and casualty insurance company originating from Jordan. The companys stock performance is characterized by its relatively stable price movements, as indicated by its low beta of 0.274, suggesting a lower volatility compared to the overall market.
The insurance industry is heavily influenced by economic drivers such as GDP growth, interest rates, and regulatory changes. Key Performance Indicators (KPIs) for property and casualty insurers like IGIC include loss ratio, expense ratio, and combined ratio, which measure the companys underwriting profitability. A lower combined ratio indicates better profitability.
IGICs market capitalization stands at approximately $1.028 billion, with a price-to-earnings (P/E) ratio of 8.43, suggesting the stock might be undervalued relative to its earnings. The forward P/E ratio is slightly higher at 8.94, indicating expected growth in earnings. The companys Return on Equity (RoE) of 19.24% is a strong indicator of its ability to generate profits from shareholders equity.
To further evaluate IGICs performance, its essential to analyze its underwriting results, investment income, and operating expenses. A detailed examination of its loss ratio and expense ratio would provide insights into the companys operational efficiency and pricing power. Additionally, the impact of macroeconomic factors, such as changes in interest rates and currency fluctuations, on IGICs investment portfolio and overall profitability should be considered.
IGIC Stock Overview
| Market Cap in USD | 1,040m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2020-03-18 |
IGIC Stock Ratings
| Growth Rating | 77.0% |
| Fundamental | 68.3% |
| Dividend Rating | 42.7% |
| Return 12m vs S&P 500 | 12.6% |
| Analyst Rating | 5.0 of 5 |
IGIC Dividends
| Dividend Yield 12m | 0.63% |
| Yield on Cost 5y | 2.75% |
| Annual Growth 5y | 44.91% |
| Payout Consistency | 64.2% |
| Payout Ratio | 38.8% |
IGIC Growth Ratios
| Growth Correlation 3m | 60.8% |
| Growth Correlation 12m | 36% |
| Growth Correlation 5y | 88.8% |
| CAGR 5y | 54.11% |
| CAGR/Max DD 3y | 2.77 |
| CAGR/Mean DD 3y | 17.86 |
| Sharpe Ratio 12m | 1.60 |
| Alpha | 0.22 |
| Beta | 0.295 |
| Volatility | 27.78% |
| Current Volume | 105.5k |
| Average Volume 20d | 60.2k |
| Stop Loss | 22.9 (-3%) |
| Signal | 0.75 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (126.0m TTM) > 0 and > 6% of Revenue (6% = 32.4m TTM) |
| FCFTA 0.10 (>2.0%) and ΔFCFTA -2.17pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 53.78% (prev -18.11%; Δ 71.89pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.10 (>3.0%) and CFO 209.5m > Net Income 126.0m (YES >=105%, WARN >=100%) |
| Net Debt (-155.2m) to EBITDA (35.6m) ratio: -4.36 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (44.4m) change vs 12m ago 0.91% (target <= -2.0% for YES) |
| Gross Margin 84.62% (prev 99.93%; Δ -15.31pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 28.63% (prev 29.12%; Δ -0.50pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' 2.24
| (A) 0.14 = (Total Current Assets 380.6m - Total Current Liabilities 90.0m) / Total Assets 2.12b |
| (B) 0.26 = Retained Earnings (Balance) 551.2m / Total Assets 2.12b |
| (C) 0.01 = EBIT TTM 27.1m / Avg Total Assets 1.89b |
| (D) 0.38 = Book Value of Equity 551.2m / Total Liabilities 1.46b |
| Total Rating: 2.24 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 68.27
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 8.64% = 4.32 |
| 3. FCF Margin 37.55% = 7.50 |
| 4. Debt/Equity 2.22 = 0.43 |
| 5. Debt/Ebitda 41.37 = -2.50 |
| 6. ROIC - WACC (= 1.55)% = 1.94 |
| 7. RoE 19.24% = 1.60 |
| 8. Rev. Trend 69.31% = 5.20 |
| 9. EPS Trend 25.41% = 1.27 |
What is the price of IGIC shares?
Over the past week, the price has changed by -2.24%, over one month by -1.46%, over three months by +4.18% and over the past year by +33.48%.
Is International General a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of IGIC is around 30.31 USD . This means that IGIC is currently undervalued and has a potential upside of +28.38% (Margin of Safety).
Is IGIC a buy, sell or hold?
- Strong Buy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the IGIC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 32 | 35.5% |
| Analysts Target Price | 32 | 35.5% |
| ValueRay Target Price | 33.4 | 41.3% |
Last update: 2025-09-03 04:40
IGIC Fundamental Data Overview
CCE Cash And Equivalents = 164.8m USD (Cash only, last quarter)
P/E Trailing = 8.53
P/E Forward = 9.2507
P/S = 1.9444
P/B = 1.5712
Beta = 0.274
Revenue TTM = 540.2m USD
EBIT TTM = 27.1m USD
EBITDA TTM = 35.6m USD
Long Term Debt = 1.38b USD (from nonCurrentLiabilitiesTotal, last fiscal year)
Short Term Debt = 90.0m USD (from totalCurrentLiabilities, last fiscal year)
Debt = 1.47b USD (Calculated: Short Term 90.0m + Long Term 1.38b)
Net Debt = -155.2m USD (from netDebt column, last fiscal year)
Enterprise Value = 2.35b USD (1.04b + Debt 1.47b - CCE 164.8m)
Interest Coverage Ratio = unknown (Ebit TTM 27.1m / Interest Expense TTM 0.0)
FCF Yield = 8.64% (FCF TTM 202.8m / Enterprise Value 2.35b)
FCF Margin = 37.55% (FCF TTM 202.8m / Revenue TTM 540.2m)
Net Margin = 23.32% (Net Income TTM 126.0m / Revenue TTM 540.2m)
Gross Margin = 84.62% ((Revenue TTM 540.2m - Cost of Revenue TTM 83.1m) / Revenue TTM)
Tobins Q-Ratio = 4.26 (Enterprise Value 2.35b / Book Value Of Equity 551.2m)
Interest Expense / Debt = 0.50% (Interest Expense 7.40m / Debt 1.47b)
Taxrate = -2.16% (set to none) (-2.86m / 132.3m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 4.23 (Total Current Assets 380.6m / Total Current Liabilities 90.0m)
Debt / Equity = 2.22 (Debt 1.47b / last Quarter total Stockholder Equity 662.2m)
Debt / EBITDA = 41.37 (Net Debt -155.2m / EBITDA 35.6m)
Debt / FCF = 7.26 (Debt 1.47b / FCF TTM 202.8m)
Total Stockholder Equity = 654.8m (last 4 quarters mean)
RoA = 5.93% (Net Income 126.0m, Total Assets 2.12b )
RoE = 19.24% (Net Income TTM 126.0m / Total Stockholder Equity 654.8m)
RoCE = 1.33% (Ebit 27.1m / (Equity 654.8m + L.T.Debt 1.38b))
RoIC = 1.55% (Ebit 27.1m / (Assets 2.12b - Current Assets 380.6m))
WACC = unknown (E(1.04b)/V(2.51b) * Re(7.17%)) + (D(1.47b)/V(2.51b) * Rd(0.50%) * (1-Tc(none)))
Shares Correlation 3-Years: 15.39 | Cagr: -0.24%
Discount Rate = 7.17% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 78.93% ; FCFE base≈199.0m ; Y1≈208.2m ; Y5≈241.6m
Fair Price DCF = 98.34 (DCF Value 4.24b / Shares Outstanding 43.1m; 5y FCF grow 4.90% → 3.0% )
EPS Correlation: 25.41 | EPS CAGR: 12.28% | SUE: 1.37 | # QB: 1
Revenue Correlation: 69.31 | Revenue CAGR: 15.10% | SUE: N/A | # QB: None
Additional Sources for IGIC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle