IGIC
NEUTRAL
$25.83
Live
International General Insurance Holdings Ltd. · NASDAQ
Target $30.0
(+16.1%)
$20.82
52W Range
$26.4
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$1.12B
P/E
8.94
ROE
18.6%
Profit margin
24.6%
Debt/Equity
N/A
Dividend yield
0.77%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
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.
Key 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%
Impressive long-term price performance (+365.1% over 5 years)
Very low dividend payout ratio (6.06%), allowing significant room for future increases
Key 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
Strongly bearish technical trend (10/100) despite recent short-term price spikes
Low analyst coverage (only 2 analysts) reducing the reliability of the 'strong_buy' consensus
AI Fair Value Estimate
Based on comprehensive analysis
$31.5
+22.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
50
Moderate
85
35
80
20
30
AI Verdict
Value Trap Risk
Key drivers: Low P/E ratio, Declining revenue, Poor Piotroski F-Score, Strong historical returns
Confidence
85%
Value
85/100
Ref P/E 8.94, Graham Number $33.18
Positives
- P/E well below sector average
- Price < Graham Number
- Price < Intrinsic Value
Watchpoints
- Low P/B ratio relative to growth potential
Future
35/100
Ref Revenue Growth -6.50%
Positives
- Positive earnings growth (16.40% YoY)
Watchpoints
- Negative revenue growth
- Declining Q/Q revenue
Past
80/100
Ref 5Y Change +365.1%
Positives
- Massive 5Y and 3Y price appreciation
- Consistent earnings beats in previous years
Watchpoints
- Recent trend of missing earnings estimates (1/4 last 4 quarters)
Health
20/100
Ref Piotroski F-Score 2/9
Positives
- Manageable debt levels (implied by sector context)
Watchpoints
- Piotroski F-Score 2/9 (Weak)
- Current Ratio < 1.0
- Quick Ratio < 0.5
Dividend
30/100
Ref Yield 0.77%, Payout 6.06%
Positives
- Extremely low payout ratio
Watchpoints
- Very low yield (0.77%)
- Low dividend strength score (25/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$25.83
Analyst Target
$30.0
Upside/Downside
+16.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for IGIC and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
IGIC
International General Insurance Holdings Ltd.
Primary
|
+365.1% | +265.7% | +14.2% | +22.1% | +13.1% | +2.3% |
|
BITF
Bitfarms Ltd.
Peer
|
-63.7% | +89.7% | +133.5% | -34.8% | -16.4% | -20.4% |
|
HFWA
Heritage Financial Corporation
Peer
|
+16.1% | +53.8% | +35.4% | +22.3% | +8.2% | +4.6% |
|
JCAP
Jefferson Capital, Inc.
Peer
|
+11.9% | +11.9% | +11.9% | +17.2% | -2.5% | +3.0% |
|
AMAL
Amalgamated Financial Corp.
Peer
|
+138.8% | +109.7% | +36.9% | +34.9% | -5.9% | +0.8% |
IGI
International General Insurance Holdings Ltd.
Primary
5Y
+365.1%
3Y
+265.7%
1Y
+14.2%
6M
+22.1%
1M
+13.1%
1W
+2.3%
BIT
Bitfarms Ltd.
Peer
5Y
-63.7%
3Y
+89.7%
1Y
+133.5%
6M
-34.8%
1M
-16.4%
1W
-20.4%
HFW
Heritage Financial Corporation
Peer
5Y
+16.1%
3Y
+53.8%
1Y
+35.4%
6M
+22.3%
1M
+8.2%
1W
+4.6%
JCA
Jefferson Capital, Inc.
Peer
5Y
+11.9%
3Y
+11.9%
1Y
+11.9%
6M
+17.2%
1M
-2.5%
1W
+3.0%
AMA
Amalgamated Financial Corp.
Peer
5Y
+138.8%
3Y
+109.7%
1Y
+36.9%
6M
+34.9%
1M
-5.9%
1W
+0.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
8.94
Forward P/E
8.2
PEG Ratio
N/A
P/B Ratio
1.53
P/S Ratio
2.16
EV/Revenue
1.68
EV/EBITDA
7.07
Market Cap
$1.12B
Profitability
Profit margins and return metrics
Profit Margin
24.61%
Operating Margin
26.74%
Gross Margin
43.37%
ROE
18.64%
ROA
3.6%
Growth
Revenue and earnings growth rates
Revenue Growth
-6.5%
Earnings Growth
+16.4%
Q/Q Revenue Growth
-15.52%
Q/Q Earnings Growth
+7.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
0.67
Weak
Quick Ratio
0.39
Poor
Cash/Share
$5.18
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-05
$N/A
2026-02-24
$0.8
+12.7% surprise
2025-11-04
$0.87
-4.4% surprise
2025-08-05
$0.51
-7.3% surprise
Financial Services Sector Comparison
Comparing IGIC against 362 companies in the Financial Services sector
(63 bullish, 158 neutral, 141 bearish)
P/E Ratio
8.94
This Stock
vs
52.08
Sector Avg
-82.8%
(Discount)
Return on Equity (ROE)
18.64%
This Stock
vs
-0.05%
Sector Avg
-35753.4%
(Below Avg)
Profit Margin
24.61%
This Stock
vs
66.07%
Sector Avg
-62.8%
(Weaker)
Revenue Growth
-6.5%
This Stock
vs
43.38%
Sector Avg
-115.0%
(Slower)
Current Ratio
0.67
This Stock
vs
3.16
Sector Avg
-78.7%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
IGIC
International General...
|
NEUTRAL | $1.12B | 8.94 | 18.6% | 24.6% | $25.83 | |
|
BITF
Bitfarms Ltd.
|
NEUTRAL | $1.11B | - | -12.5% | -46.4% | $1.84 | Compare |
|
HFWA
Heritage Financial Corporation
|
BULLISH | $1.12B | 13.93 | 7.6% | 27.7% | $27.3 | Compare |
|
JCAP
Jefferson Capital, Inc.
|
NEUTRAL | $1.11B | 3.55 | 43.8% | 31.0% | $20.01 | Compare |
|
AMAL
Amalgamated Financial Corp.
|
NEUTRAL | $1.14B | 11.17 | 13.9% | 33.4% | $38.1 | Compare |
IGIC
International...
NEUTRAL
Mkt Cap
$1.1B
P/E
8.9
ROE
18.6%
Price
$25.83
Past News Coverage
Recent headlines mentioning IGIC from our newsroom.
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