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International General Insurance Holdings Ltd.

IGIC Financial Insurance Diversified

International General Insurance Holdings Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $453.8 million, down 6.07% from fiscal 2024.

Revenue
+8.54%
EPS
−12.0%
Free cash flow
−54.6%

Quarter to September 2026, against a year earlier

23.78 0.38 −1.57%
Market cap
$1.0B
P/E
10.1×
Fwd P/E
8.3×
Dividend yield
1.04%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 66.81%

Capital & Financial Ratios $m

Size
Market Cap 1,030.00
Revenue ttm 472.01
Net income ttm 127.15
Free cash flow ttm 391.22
Net debt Q (188.90)
Valuation
P/E 10.06
Forward P/E 8.26
Price / sales 2.17
Forward P/S Powerpack
Price / FCF 2.62
Price / book 1.54
Financial health
Current ratio Q 0.65
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +8.54% (above 0%: growing)
Operating income growth Q −34.07% (below 0%: shrinking)
EPS, this year −15.77% (below 0%: weak)
EPS, next year A +19.53% (at or above 15%: strong)
Revenue, next year A +19.57% (at or above 10%: strong)
EPS, past 5 yrs +35.49% (at or above 15%: strong)
EPS, next 5 yrs A −0.27% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 71.34%
10-year low 10-year high
P/S against its own 10 years 71.51%
10-year low 10-year high
P/B against its own 10 years 75.10%
10-year low 10-year high

Dividends raised 2 years running

Yield
1.04%
Annual rate
0.25
Payout ratio
10.4%
Growth, 2020–25
+10.8%/yr
  1. 0.09 ’20
  2. 0.33 ’21 +267
  3. 0.22 ’22 −33
  4. 0.04 ’23 −82
  5. 0.09 ’24 +113
  6. 0.15 ’25 +76
  7. 1.38 ’26e +820
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 177 155 186 189
Receivables 566 595 622 661
Inventory — — — —
Other — — — —
743 750 808 850
2023 2024 2025 Q'26
Payables 1,245 1,350 1,364 1,308
ST’ Debt — — — —
Other — — — —
1,245 1,350 1,364 1,308

Compound Annual Growth %

10y 5y 3y
Sales — 9.86% 6.43%
Cash Flow — 0.00% (11.28%)
Earnings — 37.72% 14.47%
Book Value — 13.26% 20.00%

Earnings Trends EPS, adjusted, against the consensus

Sep 2026 Estimate 0.70 Actual 0.67

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2025 0.72 0.80 Beat by 0.08
Mar 2026 0.80 0.56 Miss by 0.24
Jun 2026 0.63 0.44 Miss by 0.19
Sep 2026 0.70 0.67 Miss by 0.03
Dec 2026 0.84 — Reports 23 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.49 0.49 0.66 — —
’25 0.59 0.77 0.75 0.76 2.89
’24 0.86 0.73 0.75 0.65 2.98
’23 0.71 0.88 0.24 0.72 2.55
’22 0.39 0.44 0.38 0.53 1.74
’21 0.22 0.17 0.31 0.19 0.89
’20 (0.02) 0.24 0.11 0.22 0.63
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 111 125 125 — —
’25 113 115 115 111 454
’24 115 122 126 121 483
’23 105 118 109 115 447
’22 87 96 96 97 376
’21 82 86 91 86 345
’20 69 68 73 74 284
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — 55 — — —
’25 — 27 — 108 108
’24 — 121 — 209 209
’23 — — — — 197
’22 — — — — 155
’21 — — — — 130
’20 0 (53) — — (91)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — 54 — — —
’25 — 27 — 107 107
’24 — 120 — 203 203
’23 — (1) — (3) 193
’22 — 0 — (1) 154
’21 — 0 — (1) 127
’20 0 (53) — 0 (92)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — 183 216 284 345 376 447 483 454 472 +13.8% 543 558 585 +8.8%
Gross margin, % — — 30.58 24.15 27.28 30.66 39.49 40.95 38.81 35.51 33.27 +4.9 pt
EBT — 0 26 25 29 45 92 126 132 127 102 n/m
EBT margin, % — 0.00 13.97 11.72 10.34 13.16 24.49 28.19 27.38 28.02 21.55 +28.0 pt
Net income — 0 26 25 29 45 89 118 135 127 127 n/m
Per share, $
Per share, $ Revenue — 0.00 1.33 6.29 6.59 7.59 8.26 10.41 10.92 10.49 11.13 n/m
Earnings — — 0.18 0.69 0.63 0.89 1.74 2.55 2.98 2.89 2.40 +48.1%
Cash flow — 0.00 0.75 0.62 (2.10) 2.85 3.40 4.58 4.74 2.50 0.00 n/m
Capex — 0.00 (0.01) (0.03) (0.04) (0.05) (0.03) (0.07) (0.15) (0.02) 0.00 n/m
Free cash flow — 0.00 0.74 0.59 (2.15) 2.80 3.37 4.50 4.59 2.48 0.00 n/m
Book value — 0.00 2.18 9.10 8.85 8.84 9.02 12.58 14.80 16.41 15.64 n/m
Shares, m — — 138 34 43 45 46 43 44 43 43 (15.3%)
Valuation, ×
Valuation, × P/E — — 0.00 15.30 14.63 9.06 4.70 5.08 7.95 8.74 10.06 8.2
P/S — — 0.00 0.00 1.23 1.07 0.99 1.24 2.18 2.39 2.17 1.1
P/B — — 0.15 1.15 0.91 0.92 0.91 1.03 1.61 1.53 1.54 1.0
EV/Sales — — 0.00 0.00 0.76 0.37 0.67 0.85 1.86 1.99 — 0.8
EV/FCF — — 123.02 8.09 (1.74) 3.29 0.78 0.91 3.39 1.98 — 17.5
Cash, $m
Cash, $m Operating cash flow — 0 104 21 (91) 130 155 197 209 108 400 n/m
Capex — 0 (1) (1) (2) (2) (1) (3) (7) (1) (8) n/m
Free cash flow — 0 103 20 (92) 127 154 193 203 107 391 n/m
Balance, $m
Balance, $m Working capital — 0 304 247 166 236 (405) (502) (599) (556) (458) +164.8%
Net debt — 0 (185) (192) (133) (242) (122) (177) (155) (186) (189) n/m
Shareholders’ equity — 0 301 312 381 402 411 540 655 710 663 +332.5%
Returns, %
Returns, % ROA — 0.00 5.65 2.46 2.23 2.98 5.55 6.48 6.87 6.10 4.82 +6.1 pt
ROIC — (4.96) 11.12 6.67 7.68 18.35 17.61 17.91 12.15 7.65 7.38 +12.6 pt
ROE — (0.01) 16.96 7.68 7.35 10.38 20.71 23.27 22.29 18.50 15.11 +18.5 pt
People
People Employees — — — 231 252 289 355 401 473 484 — +13.1%
Revenue/emp, $m — — 0.00 0.93 1.13 1.19 1.06 1.12 1.02 0.94 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

International General Insurance Holdings Ltd. vs peers in Insurance Diversified (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AIG American International Group, Inc. $42.3B 13.1× 11.5× +17.19% (above 0%: growing) +71.28% (above 0%: growing) +100.37% (above 0%: growing) 0.00% 0.00% Compare
ACGL Arch Capital Group Ltd. $37.7B 8.8× 9.2× −8.89% (below 0%: shrinking) −15.09% (below 0%: shrinking) −19.60% (below 0%: shrinking) 37.31% 26.42% Compare
HIG The Hartford Insurance Group, Inc. $36.7B 8.2× 9.0× +3.94% (above 0%: growing) +28.27% (above 0%: growing) +67.37% (above 0%: growing) 48.57% 22.62% Compare
AEG Aegon NV $12.6B — (loss-making) 8.4× −53.52% (below 0%: shrinking) −86.85% (below 0%: shrinking) +30.41% (above 0%: growing) 14.93% (11.60%) Compare
BNT Brookfield Wealth Solutions Ltd. $12.4B 48.5× — +38.85% (above 0%: growing) −80.05% (below 0%: shrinking) +154.51% (above 0%: growing) 26.99% 10.58% Compare
PLGO Pelagos Insurance Capital Limited $2.3B 6.7× 7.4× +10.30% (above 0%: growing) +194.44% (above 0%: growing) +92.57% (above 0%: growing) 15.54% 10.68% Compare
XZO Exzeo Group, Inc. $1.6B 17.7× 18.0× +0.04% (above 0%: growing) 0.00% −101.10% (below 0%: shrinking) 62.06% 47.39% Compare
IGIC International General Insurance Holdings Ltd. $1.0B 10.1× 8.3× +8.54% (above 0%: growing) −12.00% (below 0%: shrinking) −54.63% (below 0%: shrinking) 34.54% 14.30%
WDH Waterdrop Inc. Unsponsored ADR $280.7M 4.8× 4.9× +82.47% (above 0%: growing) 0.00% +117.24% (above 0%: growing) 62.90% 7.68% Compare
Median of peers $12.5B 8.8× 9.0× +7.12% 0.00% +79.97% 32.15% 10.63%

All 11 Insurance Diversified stocks →

International General Insurance Holdings Ltd. (IGIC) Latest News

5 Nov

Impact 4 · · Simply Wall St.
Impact 3 · · GuruFocus.com
Impact 3 · · Business Wire

4 Nov

Impact 3 · · The Motley Fool transcript
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby
Impact 3 ·

29 Oct

Impact 4 · · Business Wire

24 Sep

Impact 3 · · Simply Wall St.

1 Sep

Impact 4 ·

12 Aug

Impact 3 · · The Motley Fool transcript

5 Aug

Impact 3 · transcript
Impact 3 · · MarketBeat transcript

4 Aug

Impact 3 ·

8 Jun

Impact 4 · · Business Wire

14 May

Impact 3 · · Simply Wall St.
Impact 3 · · Business Wire

6 May

Impact 3 · · MarketBeat
Impact 3 · · Moby transcript

5 May

Impact 4 · · Business Wire

13 Apr

Impact 4 · · Zacks

25 Feb

Impact 4 ·
Impact 4 · · MarketBeat
Impact 4 · · Moby
Impact 4 · · Business Wire

24 Feb

Impact 4 · · Business Wire

17 Feb

Impact 3 · · Zacks

26 Jan

Impact 4 · · Simply Wall St.

16 Dec

Impact 3 · · Simply Wall St.

6 Nov

Impact 4 · · GuruFocus.com transcript
stockrow.com/IGIC · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com