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IGIC vs MA

IGIC
International General Insurance Holdings Ltd.
NEUTRAL
Price
$25.83
Market Cap
$1.12B
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
IGIC
8.94
MA
30.28
Forward P/E
IGIC
8.2
MA
22.05
P/B Ratio
IGIC
1.53
MA
57.74
P/S Ratio
IGIC
2.16
MA
13.6
EV/EBITDA
IGIC
7.07
MA
22.13

Profitability

Gross Margin
IGIC
43.37%
MA
100.0%
Operating Margin
IGIC
26.74%
MA
57.73%
Profit Margin
IGIC
24.61%
MA
45.65%
ROE
IGIC
18.64%
MA
209.91%
ROA
IGIC
3.6%
MA
23.72%

Growth

Revenue Growth
IGIC
-6.5%
MA
17.6%
Earnings Growth
IGIC
16.4%
MA
24.2%

Financial Health

Debt/Equity
IGIC
--
MA
2.56
Current Ratio
IGIC
0.67
MA
1.03
Quick Ratio
IGIC
0.39
MA
0.68

Dividends

Dividend Yield
IGIC
0.77%
MA
0.7%
Payout Ratio
IGIC
6.06%
MA
18.4%

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
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

IGIC vs MA: Head-to-Head Comparison

This page compares International General Insurance Holdings Ltd. (IGIC) and Mastercard Incorporated (MA) 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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