International General Insurance Holdings Ltd. IGIC

Latest FY: 2025 Financial Services Insurance - Diversified
Market Price $25.99
Market Cap $1.09B
P/E Ratio 8.99
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↓-4.1% YoY
$516.88M
3-Yr CAGR: 9.1%
Net Income ↓-5.9% YoY
$127.15M
Net Margin: 24.6%
Free Cash Flow ↓-47.1% YoY
$107.24M
FCF Yield: 9.85%
EPS (Diluted) ↓-3.0% YoY
$2.89
Basic: $2.92
Return on Equity Efficiency
17.9%
ROA: 6.1%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (IGIC)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2017 $2,653.4M $2,623.9M $-266.4M $-111.5M $-111.5M
FY 2018 $2,531.9M -4.6% $2,506.0M $-145.8M +45.3% 0.00% $-304.5M $-304.5M -173.1%
FY 2019 $2,592.6M +2.4% $2,572.4M $-239.5M -64.3% 0.00% $-337.8M $-337.8M -10.9%
FY 2020 $2,830.4M +9.2% $2,796.5M $-56.4M +76.5% 0.00% $-672.7M $-672.7M -99.1%
FY 2021 $350.4M -87.6% $43.7M $29.8M +152.8% $0.98 0.00% $175.3M $172.9M +125.7%
FY 2022 $397.8M +13.5% $90.1M $51.1M +71.5% $1.84 +87.8% 0.00% $154.9M $154.1M -10.9%
FY 2023 $472.0M +18.6% $416.8M $118.2M +131.3% $2.55 +38.6% 0.00% $196.6M $193.4M +25.5%
FY 2024 $539.0M +14.2% $476.9M $135.2M +14.3% $2.98 +16.9% 0.00% $209.5M $202.9M +4.9%
FY 2025 $516.9M -4.1% $485.2M $127.2M -5.9% $2.89 -3.0% 0.00% $108.1M $107.2M -47.1%
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Valuation

Market Price $25.99
Market Cap $1.09B
Enterprise Value $1.20B
P/E Ratio 8.99
P/B Ratio 1.53
FCF Yield 9.85%
Dividend Yield 0.00%
Shares Outstanding 41,900,000
%

Profitability & Margins

Gross Margin 93.87%
Operating Margin 49.20%
Net Margin 24.60%
Return on Equity (ROE) 17.90%
Return on Assets (ROA) 6.05%
Asset Turnover 0.25x
Revenue 3-Yr CAGR 9.12%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.418
Debt / Assets 0.141
Cash & Equivalents $186.18M
Total Debt $296.80M
Book Value / Share $16.95
💧

Cash Flow Efficiency

Operating Cash Flow $108.14M
Capital Expenditures (CapEx) $897.00K
Free Cash Flow $107.24M
OCF / Revenue 20.92%
FCF / Revenue 20.75%
FCF 3-Yr CAGR -11.39%
🏷️

Per Share Metrics

EPS (Diluted) $2.89
EPS (Basic) $2.92
Dividends / Share N/A
Book Value / Share $16.95
EPS YoY Growth -3.02%
🏛️

Balance Sheet (FY 2025)

Total Assets $2.10B
Total Liabilities $1.39B
Stockholders' Equity $710.15M
Current Assets N/A
Current Liabilities N/A