# International General Insurance Holdings Ltd. Ordinary Share (IGIC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance. Price $27.04, market value $1.1 billion.

## Valuation
- **P/E (trailing): 10.9×** (5-yr avg 6.0×, 3-yr avg 6.5×). International General Insurance Holdings Ltd. Ordinary Share trades at 10.9× trailing earnings, well above its own five-year average of 6.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.8×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 2.2×**. Each dollar of revenue is priced at 2.2×.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.3%** (5-yr avg 36.1%). Free cash flow equals 9.3% of the market value, below its five-year average of 36.1%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.2%**. The inverse of the P/E: 9.2% of the price is earned each year.

## Profitability
- **Net margin: 24.6%**. 24.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 17.9%**. 17.9% on shareholders' equity is solid.
- **Return on assets: 5.2%**. Each dollar of assets produces 5.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -4.1%** (3-yr 9.5%/yr, 5-yr 261.1%/yr). Revenue fell 4.1% over the last year, against 261.1% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -3.0%** (3-yr 16.2%/yr). Earnings per share fell 3.0%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): -11.3%/yr**. Free cash flow has compounded at -11.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 1.11%** ($0.35 per share, trailing). International General Insurance Holdings Ltd. Ordinary Share yields 1.11%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 36%** (43% of free cash flow). 36% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 83.5%/yr** (1-yr 220.5%). The dividend has compounded at 83.5% a year over five years, doubling roughly every 1 years at that pace.

## Price and momentum
- **Total return (1 yr): 18.1%** (YTD 13.7%, 3-mo 5.6%). The shares are up 18.1% over twelve months including dividends.
- **From 52-week high: -8.6%** (29.9% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.20** (volatility 25%). Beta of 0.20 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=IGIC · Page: https://foliofundamentals.com/stocks/igic

Not investment advice.