International General Insurance Holdings Ltd.
International General Insurance Holdings Ltd. Fundamental Analysis
International General Insurance Holdings Ltd. (IGIC) shows strong financial fundamentals with a PE ratio of 9.31, profit margin of 23.85%, and ROE of 18.84%. The company generates $0.5B in annual revenue with strong year-over-year growth of 11.44%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 72.2/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze IGIC's fundamental strength across five key dimensions:
Efficiency Score
WeakIGIC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentIGIC trades at attractive valuation levels.
Growth Score
ExcellentIGIC delivers strong and consistent growth momentum.
Financial Health Score
ExcellentIGIC maintains a strong and stable balance sheet.
Profitability Score
ModerateIGIC maintains healthy but balanced margins.
Key Financial Metrics
Is IGIC Expensive or Cheap?
P/E Ratio
IGIC trades at 9.31 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, IGIC's PEG of -25.50 indicates potential undervaluation.
Price to Book
The market values International General Insurance Holdings Ltd. at 1.69 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 10.80 times EBITDA. This signals the market has high growth expectations.
How Well Does IGIC Make Money?
Net Profit Margin
For every $100 in sales, International General Insurance Holdings Ltd. keeps $23.85 as profit after all expenses.
Operating Margin
Core operations generate 23.32 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $18.84 in profit for every $100 of shareholder equity.
ROA
International General Insurance Holdings Ltd. generates $5.89 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
International General Insurance Holdings Ltd. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
International General Insurance Holdings Ltd. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
IGIC converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.31
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-25.50
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.69
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.15
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.38
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.17
vs 25 benchmark
How IGIC Stacks Against Its Sector Peers
| Metric | IGIC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.31 | 18.86 | Better (Cheaper) |
| ROE | 18.84% | 847.00% | Weak |
| Net Margin | 23.85% | 4202.00% | Weak |
| Debt/Equity | 0.00 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 1.38 | 667.17 | Neutral |
| ROA | 5.89% | -21543.00% (disorted) | Weak |
IGIC outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews International General Insurance Holdings Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
130.47%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
528.13%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
971.93%
Industry Style: Value, Dividend, Cyclical
High Growth