International General Insurance Holdings Ltd. (IGIC), Discounted Cash Flow Valuation

Société internationale d'assurance générale Holdings Ltd. (IGIC) Profile

JO | Financial Services | Insurance - Diversified | NASDAQ
24.96 0.51 (2.09%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
1.13B
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
534.2M
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
135.3M
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
46.2M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
2.97
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
7.97
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
2.46%
Exchange Name of stock exchange where the trading item trades.
NASDAQ
Avg Volume The average number of shares traded each day over the past 30 days.
110.93K
Open The opening trade price over the trading day.
24.9
Previous Close The last closing price.
24.45
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
0.05
1 day delta The range between the high and low prices over the past day.
24.73-25.48
52 weeks The range between the high and low prices over the past 52 weeks.
12.83-27.76

Total Valuation

International General Insurance Holdings Ltd. has a market cap or net worth of 1.13B. The enterprise value is 970.67M.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
1.13B
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
970.67M

Valuation Ratios

The trailing PE ratio is 8.55. International General Insurance Holdings Ltd.'s PEG ratio is -3.71.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
8.55
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
2.11
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
1.77
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
0
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
-3.71

Enterprise Valuation

The stock's EV/EBITDA ratio is 33.24, with a EV/FCF ratio of 0.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
1.82
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
33.24
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
0
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
0

Financial Efficiency

Return on equity (ROE) is 22.07% and return on invested capital (ROIC) is 12.28%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
22.07%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
6.64%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
12.28%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.26
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 100.34%, with operating and profit margins of 48.84% and 25.33%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
100.34%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
48.84%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
24.76%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
25.33%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
5.47%

Income Statement

In the last 12 months, International General Insurance Holdings Ltd. had revenue of 534.2M and earned 135.3M in profits. Earnings per share (EPS) was 2.97.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
534.2M
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
536M
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
260.9M
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
132.29M
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
135.3M
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
29.2M
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
98.8M
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
2.97

Financial Position

The company has a trailing 12 months (ttm) current ratio of 4.23, with a ttm Debt / Equity ratio of 0.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
4.23
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
4.23
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
0
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
0.51

Dividends & Yields

This stock pays an annual dividend of 0.95, which amounts to a dividend yield of 3.81%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
0.95
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
3.81%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
11.69%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
0.00%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
1,335.54%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
0.00%

Balance Sheet

The company has 155.25M in cash and 0 in debt, giving a net cash position of 155.25M.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
155.25M
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
0
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
155.25M
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
654.8M
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
14.13
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
290.53M

Cash Flow

In the last 12 months, operating cash flow of the company was 0 and capital expenditures 0, giving a free cash flow of 0.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
0
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
0
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
0
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
0

International General Insurance Holdings Ltd. News

Apr 2, 2025 - businesswire.com
IGI Announces That It Has Filed Its Full Year 2024 Annual Report on Form 20-F, Including Audited Financial Statements, with the SEC
HAMILTON, Bermuda--(BUSINESS WIRE)--International General Insurance Holdings Ltd. (“IGI” or the “Company”) (NASDAQ: IGIC) today announced that it has filed its Annual Report on Form 20-F, which includes the Company's audited financial statements for the year ended December 31, 2024, with the U.S. Securities and Exchange Commission (“SEC”). The report was filed on April 1, 2025 and can be found on IGI's website at www.iginsure.com in the Investors section under SEC Filings or on the SEC's websit....[read more]
Mar 21, 2025 - zacks.com
Strength Seen in International General Insurance (IGIC): Can Its 5.4% Jump Turn into More Strength?
International General Insurance (IGIC) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term....[read more]
Mar 19, 2025 - businesswire.com
IGI Declares Extraordinary Cash Dividend and Regular Ordinary Common Share Dividend
HAMILTON, Bermuda--(BUSINESS WIRE)--International General Insurance Holdings Ltd. (“IGI” or the “Company”) (NASDAQ: IGIC) today announced that its Board of Directors has declared an extraordinary cash dividend of $0.85 per common share for the period October 1, 2024 – December 31, 2024, in addition to the Company's regular quarterly common share dividend of $0.025 per share. The extraordinary dividend plus the regular quarterly dividend, totaling $0.875, is payable on April 22, 2025 to sharehol....[read more]
Feb 26, 2025 - seekingalpha.com
International General Insurance Holdings Ltd. (IGIC) Q4 2024 Earnings Call Transcript
International General Insurance Holdings Ltd. (NASDAQ:IGIC ) Q4 2024 Earnings Conference Call February 26, 2025 9:00 AM ET Company Participants Robin Sidders – Head-Investor Relations Wasef Jabsheh – Executive Chairman Waleed Jabsheh – President and Chief Executive Officer Pervez Rizvi - Chief Financial Officer Conference Call Participants Michael Phillips - Oppenheimer Scott Heleniak – RBC Capital Markets Operator Good day, and welcome to the International General Insurance Holdings Ltd....[read more]
Jan 24, 2025 - seekingalpha.com
International General Insurance: Underfollowed And Undervalued
IGIC specializes in high-margin specialty insurance, achieving strong combined ratios and ROEs, and remains undervalued despite recent stock gains. Q3'24 results show improved profitability, robust balance sheet growth, and strategic share buybacks, reinforcing the stock's value proposition. Diversified insurance lines and geographies mitigate concentration risks, positioning IGIC for continued double-digit growth and above-average shareholder returns....[read more]
Jan 21, 2025 - businesswire.com
IGI to Release Fourth Quarter and Full Year 2024 Financial Results on February 25, 2025
HAMILTON, Bermuda--(BUSINESS WIRE)--International General Insurance Holdings Ltd. (“IGI” or the “Company”) (NASDAQ: IGIC) today announced that it expects to release financial results for the fourth quarter and full year 2024, on Tuesday, February 25, 2025, after the close of the U.S. financial markets. The results, along with an accompanying slide presentation, will be posted in the Investors section of the Company website at www.iginsure.com. The Company will host an investor teleconference, i....[read more]
Nov 18, 2024 - businesswire.com
IGI President & CEO Waleed Jabsheh to Present at the 16th Annual Southwest IDEAS Investor Conference on November 20, 2024 in Dallas, Texas
HAMILTON, Bermuda--(BUSINESS WIRE)--International General Insurance Holdings Ltd. (“IGI” or the “Company”) (NASDAQ: IGIC) today announced that President & CEO Waleed Jabsheh will present at the Southwest IDEAS Investor Conference on Wednesday, November 20, 2024 at The Statler in Dallas, Texas. IGI's presentation is scheduled to begin at 3.30 pm Central Time (4.30 pm Eastern time). The presentation will be webcast and can be accessed through the conference host's website: https://www.threepa....[read more]
Nov 15, 2024 - businesswire.com
IGI Announces Quarterly Ordinary Common Share Dividend
HAMILTON, Bermuda--(BUSINESS WIRE)--International General Insurance Holdings Ltd. (“IGI” or the “Company”) (NASDAQ: IGIC) today announced that its Board of Directors has declared an ordinary common share dividend of $0.025 per share for the period July 1, 2024 – September 30, 2024. The dividend is payable on December 18, 2024 to shareholders of record at the close of business on December 3, 2024. About IGI: IGI is an international specialty risks commercial insurer and reinsurer underwriting a....[read more]
Nov 11, 2024 - seekingalpha.com
Invest In Global Growth With International General Insurance
International General Insurance does what a good insurer does, underwrites profitability, maintains a strong balance sheet, and continues to grow offers specialty insurance globally, showing consistent revenue and earnings growth despite recent margin pressures. International General Insurance's flexible product mix and hands-on management ensure it can capitalize on favorable market opportunities. With a projected intrinsic value of $68, International General Insurance's growth potential outwei...[read more]
Nov 6, 2024 - seekingalpha.com
International General Insurance Holdings Ltd. (IGIC) Q3 2024 Earnings Call Transcript
International General Insurance Holdings Ltd. (NASDAQ:IGIC ) Q3 2024 Earnings Conference Call November 6, 2024 9:00 AM ET Company Participants Robin Sidders – Head-Investor Relations Wasef Jabsheh – Executive Chairman Waleed Jabsheh – President and Chief Executive Officer Conference Call Participants Scott Heleniak – RBC Operator Good day, and welcome to the International General Insurance Holdings Ltd....[read more]

International General Insurance Holdings Ltd. Details

Country JO
City Amman
Address 74 Abdel Hamid Sharaf Street
Ticker Symbol IGIC
Exchange NASDAQ Capital Market
IPO Date Apr 10, 2018
CEO Mr. Waleed Wasef Jabsheh
Sector Financial Services
Industry Insurance - Diversified
Employees 401

International General Insurance Holdings Ltd. Company Description

International General Insurance Holdings Ltd. provides specialty insurance and reinsurance solutions worldwide. The company operates through three segments: Specialty Long-tail, Specialty Short-tail, and Reinsurance. It underwrites a diversified portfolio of specialty risks, including energy, property, construction and engineering, ports and terminals, general aviation, political violence, casualty, financial institutions, marine, contingency, and treaty reinsurance. The company was founded in 2001 and is based in Amman, Jordan.

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