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IGIC vs JCAP

IGIC
International General Insurance Holdings Ltd.
NEUTRAL
Price
$25.83
Market Cap
$1.12B
Sector
Financial Services
AI Confidence
80%
JCAP
Jefferson Capital, Inc.
NEUTRAL
Price
$20.01
Market Cap
$1.11B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
IGIC
8.94
JCAP
3.55
Forward P/E
IGIC
8.2
JCAP
6.97
P/B Ratio
IGIC
1.53
JCAP
2.45
P/S Ratio
IGIC
2.16
JCAP
1.82
EV/EBITDA
IGIC
7.07
JCAP
6.44

Profitability

Gross Margin
IGIC
43.37%
JCAP
78.13%
Operating Margin
IGIC
26.74%
JCAP
105.75%
Profit Margin
IGIC
24.61%
JCAP
30.95%
ROE
IGIC
18.64%
JCAP
43.78%
ROA
IGIC
3.6%
JCAP
12.78%

Growth

Revenue Growth
IGIC
-6.5%
JCAP
27.7%
Earnings Growth
IGIC
16.4%
JCAP
--

Financial Health

Debt/Equity
IGIC
--
JCAP
2.97
Current Ratio
IGIC
0.67
JCAP
5.05
Quick Ratio
IGIC
0.39
JCAP
4.98

Dividends

Dividend Yield
IGIC
0.77%
JCAP
4.8%
Payout Ratio
IGIC
6.06%
JCAP
8.51%

AI Verdict

IGIC NEUTRAL

IGIC presents a stark contrast between deep value and deteriorating financial health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($33.18) and Intrinsic Value ($85.26) with a low P/E of 8.94, the underlying fundamentals are concerning. Revenue is trending downward both YoY (-6.50%) and Q/Q (-15.52%), suggesting a struggle for top-line growth despite positive earnings growth. The combination of a bearish technical trend (10/100) and poor liquidity ratios offsets the attractive valuation metrics.

Strengths
Deep value valuation with P/E of 8.94 and Forward P/E of 8.20
Trading below the Graham Number ($33.18) providing a defensive margin
Strong Return on Equity (ROE) of 18.64%
Risks
Critical financial health warning with a Piotroski F-Score of 2/9
Negative revenue growth trends (YoY -6.50%, Q/Q -15.52%)
Poor short-term liquidity indicated by a Current Ratio of 0.67 and Quick Ratio of 0.39
JCAP NEUTRAL

JCAP presents a stark contrast between deep fundamental value and alarming insider behavior. While the Piotroski F-Score of 4/9 indicates stable health and the stock trades at a significant discount to its Graham Number ($32.19) and Intrinsic Value ($39.48), the technical trend is completely bearish. The company boasts an exceptional ROE of 43.78% and a very low P/E of 3.55, but these are overshadowed by massive insider selling totaling over $223M. Consequently, the valuation appeal is tempered by a lack of internal confidence and poor earnings surprise history.

Strengths
Extreme valuation discount with a P/E of 3.55
High profitability with ROE at 43.78% and Profit Margin at 30.95%
Strong top-line growth with 27.7% YoY revenue increase
Risks
Massive insider liquidation ($223.81M) including CEO and 10%+ owners
Bearish technical trend (0/100 score)
High leverage with a Debt/Equity ratio of 2.97

Compare Another Pair

IGIC vs JCAP: Head-to-Head Comparison

This page compares International General Insurance Holdings Ltd. (IGIC) and Jefferson Capital, Inc. (JCAP) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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