No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| IGICInternational General Insurance Holdings Ltd. | 1.04B | 24.01 | 8.06 | 10.24% | 23.05% | 19.02% | 19.57% | 0.01 |
| RZC7.125% Fixed-Rate Reset Subordinated Debentures due 2052 | 25.47 | 2.37 | 19.85% | 3.89% | 6.63% | 0.46 | ||
| FGNXFG Nexus Inc. | 121.1M | 3.06 | -1.26 | 1.49% | -6.66% | -7.05% | 0.05 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 168.2M | 184.68M | 179.48M | 207.99M | 249.94M | 308.27M | 347.01M | 394.37M | 477.08M | 525.95M |
| Revenue Growth % | - | 0.1% | -0.03% | 0.16% | 0.2% | 0.23% | 0.13% | 0.14% | 0.21% | 0.1% |
| Medical Costs & Claims | 0 | 0 | 139.87M | 144.07M | 177.43M | 222.22M | 232.66M | 227.76M | 264.06M | 295.65M |
| Medical Cost Ratio % | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 168.2M | 184.68M | 39.61M | 63.92M | 72.52M | 86.06M | 114.35M | 166.61M | 213.02M | 230.3M |
| Gross Margin % | - | - | - | - | - | - | - | - | - | - |
| Gross Profit Growth % | - | 0.1% | -0.79% | 0.61% | 0.13% | 0.19% | 0.33% | 0.46% | 0.28% | 0.08% |
| Operating Expenses | 132.4M | 152.66M | 32.59M | 38.32M | 47.26M | 56.73M | 65.72M | 74.44M | 86.97M | 98.01M |
| OpEx / Revenue % | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | -37.7M | -30.75M | 1.49M | 1.36M | 1.96M | 2.61M | 2.77M | 3.08M | 2.55M | 3.4M |
| Combined Ratio % | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 37.7M | 30.75M | 7.02M | 25.6M | 25.25M | 29.33M | 48.63M | 92.17M | 126.05M | 132.29M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | -0.18% | -0.77% | 2.65% | -0.01% | 0.16% | 0.66% | 0.9% | 0.37% | 0.05% |
| EBITDA | 0 | 0 | 8.5M | 26.96M | 27.21M | 31.94M | 51.4M | 95.25M | 128.59M | 135.69M |
| EBITDA Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 325K | 358K | 132K | 0 | 0 |
| Non-Operating Income | -139.9M | -152.53M | 0 | 0 | -108K | -203K | 2.83M | 4.31M | 0 | 0 |
| Pretax Income | 35.8M | 32.02M | 7.02M | 25.6M | 25.25M | 29.33M | 48.63M | 92.17M | 126.05M | 132.29M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 800K | -932.13K | -14.42K | 62K | 1.69M | 2.08M | 1.81M | 2.93M | 7.85M | -2.86M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | 35M | 32.95M | 7.03M | 25.54M | 23.57M | 27.25M | 46.81M | 89.23M | 118.19M | 135.15M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | -0.06% | -0.79% | 2.63% | -0.08% | 0.16% | 0.72% | 0.91% | 0.32% | 0.14% |
| EPS (Diluted) | 0.24 | 0.23 | 0.05 | 0.53 | 0.49 | 0.59 | 0.89 | 1.84 | 2.55 | 2.98 |
| EPS Growth % | - | -0.06% | -0.78% | 9.69% | -0.08% | 0.2% | 0.51% | 1.07% | 0.39% | 0.17% |
| EPS (Basic) | 0.24 | 0.23 | 0.05 | 0.53 | 0.49 | 0.59 | 0.89 | 1.85 | 2.58 | 3.01 |
| Diluted Shares Outstanding | 143.38M | 143.38M | 141.84M | 48.45M | 48.45M | 43.05M | 45.47M | 45.55M | 43.47M | 44.74M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 761M | 189.13K | 240.87K | 903.14M | 1.01B | 1.28B | 1.45B | 1.56B | 1.52B | 2.04B |
| Asset Growth % | - | -1% | 0.27% | 3748.55% | 0.12% | 0.27% | 0.14% | 0.08% | -0.03% | 0.34% |
| Total Investment Assets | 0 | 0 | 0 | 13.44M | 13.06M | 11.6M | 444.91M | 555.8M | 240.34M | 1.14B |
| Long-Term Investments | 0 | 0 | 0 | 13.44M | 13.06M | 11.6M | 5.7M | 6M | 119.72M | 911.46M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 439.21M | 507.29M | 120.62M | 225.34M |
| Total Current Assets | 468.7M | 25K | 17.85K | 295.45M | 310.07M | 300M | 865.77M | 137.94B | 572.33M | 664.93M |
| Cash & Equivalents | 468.7M | 25K | 5.35K | 184.73M | 192.46M | 133.4M | 231.75M | 122.14M | 177.02M | 155.25M |
| Receivables | 0 | 0 | 0 | 0 | 0 | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Assets | 0 | 0 | 0 | 0 | 82.42M | -7.23M | 560K | 18.75M | 474.31M | -310.71M |
| Goodwill & Intangibles | 29.7M | 29.22M | 34.94M | 2.94M | 3.89M | 4.7M | 4.3M | 3.6M | 65.27M | 67.1M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | -10K | -21K | 44K | 0 | 0 |
| Intangible Assets | 29.7M | 29.22M | 34.94M | 2.94M | 3.89M | 4.71M | 4.32M | 3.56M | 65.27M | 67.1M |
| PP&E (Net) | 3.5M | 14.08M | 13.09M | 12.22M | 12.73M | 13.2M | 14.9M | 13.4M | 26.11M | 0 |
| Other Assets | 259.1M | -43.13M | -47.81M | -28.59M | 0 | 0 | -471K | 16.98B | 733.38M | 903.84M |
| Total Liabilities | 0 | 167.06K | 235.1K | 601.98M | 696.93M | 884.6M | 1.05B | 1.13B | 976.37M | 1.38B |
| Total Debt | 0 | 167.06K | 204.56K | 1.73M | 1.56M | 2.95M | 3.75M | 3.07M | 2.13M | 4.24M |
| Net Debt | -468.7M | 142.06K | 199.22K | -183.01M | -190.9M | -130.45M | -238.35M | -134.93M | -177.02M | -155.25M |
| Long-Term Debt | 0 | 0 | 0 | 1.73M | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 167.06K | 204.56K | 0 | 0 | 761K | 1M | 0 | 966K | 2.88M |
| Total Current Liabilities | 0 | 167.06K | 235.1K | 35.48M | 55.26M | 83.5M | 100.78M | 87.79M | 582.54M | 661.86M |
| Accounts Payable | 0 | 0 | 0 | 35.48M | 55.26M | 88.47M | 100.78M | 90.35M | 89.7M | 90.05M |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 82.74M | -1M | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | -4.39M | -41.33M | -11.58M | -101M | -14.03M | -18.23M | 491.87M | 568.92M |
| Deferred Taxes | 0 | 0 | 0 | 1000K | 346.82K | 55K | 14K | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 30.53K | -1.73M | 0 | 0 | 0 | 1.15B | 393.83M | 1.38B |
| Total Equity | 284.9M | 22.07K | 5.77K | 301.16M | 312.14M | 394.6M | 401.9M | 429.8M | 540.43M | 654.8M |
| Equity Growth % | - | -1% | -0.74% | 52193.78% | 0.04% | 0.26% | 0.02% | 0.07% | 0.26% | 0.21% |
| Shareholders Equity | 284.9M | 22.07K | 5.77K | 301.16M | 312.14M | 381.01M | 401.9M | 410.94M | 540.43M | 654.8M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 0 | -2.93K | -19.23K | 169.41M | 182.16M | 205.04M | 232.5M | 307.2M | 423.05M | 531.7M |
| Common Stock | 284.9M | 431 | 431 | 143.38M | 143.38M | 486K | 500K | 460K | 445K | 500K |
| Accumulated OCI | 0 | 9.33M | 13.94M | 658.77K | 3.94M | 17.9M | 9.4M | -44.04M | -20.64M | -18.6M |
| Return on Equity (ROE) | 0.12% | 0.23% | 505.18% | 0.17% | 0.08% | 0.08% | 0.12% | 0.21% | 0.24% | 0.23% |
| Return on Assets (ROA) | 0.05% | 0.09% | 32.7% | 0.06% | 0.02% | 0.02% | 0.03% | 0.06% | 0.08% | 0.08% |
| Equity / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / Equity | - | 7.57x | 35.45x | 0.01x | 0.01x | 0.01x | 0.01x | 0.01x | 0.00x | 0.01x |
| Book Value per Share | 1.99 | 0.00 | 0.00 | 6.22 | 6.44 | 9.17 | 8.84 | 9.44 | 12.43 | 14.64 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 0 | -2.93K | 12.96M | 104.09M | 21.4M | -90.57M | 175.29M | 154.88M | 196.61M | 209.47M |
| Operating CF Growth % | - | - | 4420.3% | 7.03% | -0.79% | -5.23% | 2.94% | -0.12% | 0.27% | 0.07% |
| Operating CF / Revenue % | - | - | - | - | - | - | - | - | - | - |
| Net Income | 35M | -1.6K | 7.02M | 25.6M | 25.25M | 33.74M | 46.81M | 89.23M | 118.2M | 135.2M |
| Depreciation & Amortization | 0 | 582.82K | 1.49M | 1.36M | 1.96M | 2.61M | 2.77M | 3.08M | 2.55M | 3.4M |
| Stock-Based Compensation | 0 | 0 | 0 | 0 | 0 | 450K | 1.19M | 2.3M | 3.25M | 4.63M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 16.5K | -818K | 8.67M | 358K | -508K | -3.01M |
| Other Non-Cash Items | -35M | -13.79M | -2.86M | 31.42M | -49.24M | -159.36M | 9.21M | 5.22M | 20.27M | 8.08M |
| Working Capital Changes | 0 | -1.33K | 7.32M | 45.71M | 43.42M | 32.8M | 106.63M | 54.68M | 52.85M | 61.17M |
| Cash from Investing | 0 | -12.07M | -1.57M | -1.15M | -1.03M | -1.91M | -2.49M | -1.24M | -90.36M | -186.57M |
| Capital Expenditures | 0 | -11.47M | -1.62M | -1.15M | -1.06M | -1.91M | -2.35M | -1.27M | -3.25M | -6.63M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | -146K | 26K | -1.1M | 0 |
| Purchase of Investments | 0 | 0 | 0 | -174.22M | 0 | 0 | -168.28M | -320.85M | -330.37M | -400.76M |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 1000K | 1000K | 1000K | 1000K |
| Other Investing | 0 | -605.62K | 50.39K | 450.25K | 22.57K | 0 | 45.06M | 258.15M | -73.71M | 104.5M |
| Cash from Financing | 0 | 7.93K | -11.47M | -19.14M | -16.47M | 35.66M | -16.89M | -12.55M | -49.16M | -49.68M |
| Dividends Paid | 0 | -14.34M | -11.47M | -4.09M | -10.82M | -4.36M | -16.11M | -10.15M | -1.75M | -26.53M |
| Share Repurchases | 0 | 0 | 0 | -15.05M | -5.05M | -80M | 0 | -2.39M | -31.09M | -23.15M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | -606K | -796K | -783K | 0 | 0 | 0 |
| Other Financing | 0 | 0 | 0 | 0 | 268 | 120.82M | 0 | 0 | -16.32M | 0 |
| Net Change in Cash | 0 | -13.48M | 1.8M | 80.58M | 7.73M | -59.02M | 108.71M | -104.2M | 57.08M | -26.78M |
| Exchange Rate Effect | 0 | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 0 | 0 |
| Cash at Beginning | 0 | 13.5M | 102.35M | 104.15M | 184.73M | 192.46M | 133.44M | 242.15M | 137.94M | 195.02M |
| Cash at End | 0 | 25K | 104.15M | 184.73M | 192.46M | 133.44M | 242.15M | 137.94M | 195.02M | 168.25M |
| Free Cash Flow | 0 | -11.47M | 11.34M | 102.94M | 20.35M | -92.48M | 127.44M | -86.62M | 193.36M | 202.84M |
| FCF Growth % | - | - | 1.99% | 8.08% | -0.8% | -5.55% | 2.38% | -1.68% | 3.23% | 0.05% |
| FCF Margin % | - | - | - | - | - | - | - | - | - | - |
| FCF per Share | - | -0.08 | 0.08 | 2.12 | 0.42 | -2.15 | 2.8 | -1.9 | 4.45 | 4.53 |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 78.72% | 82.66% | 96.09% | 87.69% | 89.9% | 90.49% | 85.99% | 76.63% | 73.58% | 74.85% |
| Medical Cost Ratio | 0% | 0% | 77.93% | 69.27% | 70.99% | 72.08% | 67.05% | 57.75% | 55.35% | 56.21% |
| Return on Equity (ROE) | 12.29% | 23.13% | 50517.94% | 16.96% | 7.68% | 7.71% | 11.75% | 21.46% | 24.36% | 22.62% |
| Return on Assets (ROA) | 4.6% | 8.66% | 3270.41% | 5.65% | 2.46% | 2.38% | 3.43% | 5.92% | 7.68% | 7.6% |
| Equity / Assets | 37.44% | 11.67% | 2.4% | 33.35% | 30.93% | 30.85% | 27.68% | 27.53% | 35.63% | 32.14% |
| Book Value / Share | 1.99 | 0 | 0 | 6.22 | 6.44 | 9.17 | 8.84 | 9.44 | 12.43 | 14.64 |
| Debt / Equity | - | 7.57x | 35.45x | 0.01x | 0.01x | 0.01x | 0.01x | 0.01x | 0.00x | 0.01x |
| Revenue Growth | - | 9.8% | -2.81% | 15.89% | 20.17% | 23.34% | 12.56% | 13.65% | 20.97% | 10.24% |
International General Insurance Holdings Ltd. (IGIC) has a price-to-earnings (P/E) ratio of 8.1x. This may indicate the stock is undervalued or faces growth challenges.
International General Insurance Holdings Ltd. (IGIC) grew revenue by 10.2% over the past year. This is steady growth.
Yes, International General Insurance Holdings Ltd. (IGIC) is profitable, generating $126.0M in net income for fiscal year 2024 (25.7% net margin).
Yes, International General Insurance Holdings Ltd. (IGIC) pays a dividend with a yield of 2.47%. This makes it attractive for income-focused investors.
International General Insurance Holdings Ltd. (IGIC) has a return on equity (ROE) of 22.6%. This is excellent, indicating efficient use of shareholder capital.
International General Insurance Holdings Ltd. (IGIC) has a combined ratio of 74.8%. A ratio below 100% indicates underwriting profitability.