International General Financials

IGIC Stock  USD 26.53  0.52  2.00%   
International General Insurance may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, International General's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Other Current Liabilities is expected to grow to about 591.7 M, whereas Total Assets are forecasted to decline to about 1.3 B. Key indicators impacting International General's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.130.2508
Way Down
Very volatile
Return On Assets0.0630.0664
Notably Down
Slightly volatile
Return On Equity0.20.2065
Sufficiently Down
Slightly volatile
Debt Equity Ratio0.00430.0045
Notably Down
Slightly volatile
Current Ratio0.840.88
Sufficiently Down
Pretty Stable
The financial analysis of International General is a critical element in measuring its lifeblood. Investors should not minimize International General's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Cash And Equivalents

160.76 Million

  
Understanding current and past International General Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of International General's financial statements are interrelated, with each one affecting the others. For example, an increase in International General's assets may result in an increase in income on the income statement.
Please note, the presentation of International General's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, International General's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of International General's management manipulating its earnings.

International General Stock Summary

International General competes with Enstar Group, Axa Equitable, Arch Capital, Waterdrop ADR, and Fundamental Global. International General Insurance Holdings Ltd. provides specialty insurance and reinsurance solutions worldwide. The company was founded in 2001 and is based in Amman, Jordan. International General operates under InsuranceDiversified classification in the United States and is traded on NASDAQ Exchange. It employs 289 people.
Specialization
Financial Services, Insurance - Diversified
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINBMG4809J1062
CUSIPG4809J106 88633A107 88633A206
LocationJordan
Business Address74 Abdel Hamid
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.iginsure.com
Phone962 6 562 2009
CurrencyUSD - US Dollar

International General Key Financial Ratios

International General Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.3B1.5B1.6B1.5B2.0B1.3B
Retained Earnings209.4M232.5M307.2M423.0M531.7M558.3M
Other Assets949.7M1.0B(159.0B)(716.4M)(644.8M)(677.0M)
Total Liab884.6M1.1B1.1B976.4M1.4B860.8M
Total Current Assets300M421.5M137.9B572.3M155.2M147.4M
Other Current Liab(90.7M)(103.0M)(92.5M)490.0M563.5M591.7M
Other Liab292.4M340.5M118.7M125.9M144.8M218.5M
Net Tangible Assets308.3M389.9M397.6M426.2M490.1M380.3M
Accounts Payable88.5M100.8M90.4M89.7M80.7M101.1M
Cash133.4M242.1M138M177.0M155.2M165.6M
Net Receivables166.6M179.4M404.8M468.3M538.5M565.5M
Other Current Assets307.4M429.4M333.2M572.3M658.2M379.8M
Cash And Equivalents192.5M133.4M242.1M138M158.7M160.8M
Intangible Assets4.7M4.3M3.6M65.3M67.1M70.5M
Net Debt(130.4M)(238.3M)(134.9M)(177.0M)(155.2M)(163.0M)
Net Invested Capital394.6M401.9M429.8M540.4M621.5M436.3M
Capital Stock486K489K500K445K400.5K380.5K
Inventory(307.4M)(429.4M)137.3B(765.9M)(880.8M)(836.8M)

International General Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense108.4K203K358K132K151.8K149.1K
Operating Income33.1M43.5M84.0M123.0M447.1M469.5M
Income Before Tax33.7M45.5M87.7M126.0M132.4M139.0M
Net Income27.3M46.8M89.2M118.2M135.2M142.0M
Tax Provision2.1M1.9M2.2M7.0M8.0M8.4M
Interest Income12.9M14.8M21.1M40.7M46.8M49.2M
Total Revenue296M357.1M386.6M472.0M539M351.1M
Gross Profit296M357.1M386.6M471.6M539M336.2M
Ebit25.5M23.6M27.4M43.5M87.9M0.0
Income Tax Expense2.1M1.9M2.2M7.9M2.8M2.2M
Net Interest Income(245.0K)(325K)(486K)(376K)(338.4K)(355.3K)
Ebitda30.0M47.1M90.9M2.5M2.9M2.8M

International General Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(59.0M)108.7M(104.2M)57.1M(195.0M)(185.3M)
Other Non Cash Items(159.4M)(36.4M)(116.0M)20.3M(135.2M)(128.4M)
Capital Expenditures1.1M1.1M1.9M2.3M1.3M3.2M
Net Income33.7M45.4M87.7M118.2M135.2M142.0M
End Period Cash Flow133.4M242.1M137.9M195.0M224.3M147.1M
Free Cash Flow(92.5M)127.4M(86.6M)193.4M222.4M233.5M
Depreciation2.6M3.6M3.7M2.5M2.9M2.4M
Dividends Paid4.4M16.1M10.8M(1.7M)(1.6M)(1.5M)
Change To Netincome4.3M(5.3M)4.6M2.4M2.8M2.9M
Change To Inventory48.9M28.3M58.5M118.0M135.7M142.5M
Investments(1.9M)(2.5M)(1.2M)(90.4M)(81.3M)(77.3M)

International Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining International General's current stock value. Our valuation model uses many indicators to compare International General value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across International General competition to find correlations between indicators driving International General's intrinsic value. More Info.
International General Insurance is rated fourth overall in return on equity category among its peers. It is rated second overall in return on asset category among its peers reporting about  0.21  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for International General Insurance is roughly  4.82 . At present, International General's Return On Equity is projected to decrease significantly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the International General's earnings, one of the primary drivers of an investment's value.

International General Systematic Risk

International General's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. International General volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on International General correlated with the market. If Beta is less than 0 International General generally moves in the opposite direction as compared to the market. If International General Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one International General is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of International General is generally in the same direction as the market. If Beta > 1 International General moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in International General Stock are looking for potential investment opportunities by analyzing not only static indicators but also various International General's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of International General growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.6

At present, International General's Price Earnings To Growth Ratio is projected to increase based on the last few years of reporting.

International General March 28, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of International General help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of International General Insurance. We use our internally-developed statistical techniques to arrive at the intrinsic value of International General Insurance based on widely used predictive technical indicators. In general, we focus on analyzing International Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build International General's daily price indicators and compare them against related drivers.

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When running International General's price analysis, check to measure International General's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy International General is operating at the current time. Most of International General's value examination focuses on studying past and present price action to predict the probability of International General's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move International General's price. Additionally, you may evaluate how the addition of International General to your portfolios can decrease your overall portfolio volatility.
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