International General Valuation

IGIC Stock  USD 25.60  0.02  0.08%   
At this time, the firm appears to be undervalued. International General retains a regular Real Value of $29.7 per share. The prevalent price of the firm is $25.6. Our model calculates the value of International General from evaluating the firm fundamentals such as Return On Equity of 0.19, return on asset of 0.0375, and Current Valuation of 914.66 M as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting International General's valuation include:
Price Book
1.6101
Enterprise Value
914.7 M
Price Sales
2.1022
Forward PE
8.5034
Trailing PE
9.0141
Undervalued
Today
25.60
Please note that International General's price fluctuation is very steady at this time. Calculation of the real value of International General is based on 3 months time horizon. Increasing International General's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since International General is currently traded on the exchange, buyers and sellers on that exchange determine the market value of International Stock. However, International General's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  25.6 Real  29.7 Target  30.0 Hype  25.65
The real value of International Stock, also known as its intrinsic value, is the underlying worth of International General Company, which is reflected in its stock price. It is based on International General's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of International General's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
29.70
Real Value
30.78
Upside
Estimating the potential upside or downside of International General Insurance helps investors to forecast how International stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of International General more accurately as focusing exclusively on International General's fundamentals will not take into account other important factors:
Earnings
Estimates
LowProjectedHigh
0.750.750.76
Details
Hype
Prediction
LowEstimatedHigh
24.5725.6526.73
Details
1 Analysts
Consensus
LowTarget PriceHigh
27.3030.0033.30
Details
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use International General's intrinsic value based on its ongoing forecasts of International General's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against International General's closest peers. If more than one evaluation category is relevant for International General we suggest using both methods to arrive at a better estimate.

International General Cash

133.24 Million

International General Total Value Analysis

International General Insurance is currently forecasted to have valuation of 914.66 M with market capitalization of 1.11 B, debt of 4.24 M, and cash on hands of 138 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the International General fundamentals before making equity appraisal based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
914.66 M
1.11 B
4.24 M
138 M

International General Investor Information

About 51.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.61. Some equities with similar Price to Book (P/B) outperform the market in the long run. International General last dividend was issued on the 17th of December 2025. The entity had 1:1 split on the 18th of March 2020. International General Insurance may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter.
Current ValueLast YearChange From Last Year 10 Year Trend
Operating Profit Margin0.130.23
Way Down
Pretty Stable
Operating Income159.7 M152.1 M
Sufficiently Up
Slightly volatile

International General Asset Utilization

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. International General has an asset utilization ratio of 25.81 percent. This indicates that the Company is making $0.26 for each dollar of assets. An increasing asset utilization means that International General Insurance is more efficient with each dollar of assets it utilizes for everyday operations.
 
Covid
 
Interest Hikes

International General Profitability Analysis

Taking into consideration International General's profitability measurements, International General Insurance may not be well positioned to generate adequate gross income at the present time. It has a very high chance of underperforming in March. Profitability indicators assess International General's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
2018-03-31
Previous Quarter
34.1 M
Current Value
33.5 M
Quarterly Volatility
12.7 M
 
Covid
 
Interest Hikes
As of February 8, 2026, Gross Profit is expected to decline to about 147.3 M. In addition to that, Pretax Profit Margin is expected to decline to 0.13
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.270.39
Way Down
Slightly volatile
Net Profit Margin0.130.23
Way Down
Very volatile
Operating Profit Margin0.130.23
Way Down
Pretty Stable
Pretax Profit Margin0.130.23
Way Down
Very volatile
Return On Assets0.07250.0763
Notably Down
Pretty Stable
Return On Equity0.230.24
Sufficiently Down
Pretty Stable
For International General profitability analysis, we use financial ratios and fundamental drivers that measure the ability of International General to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well International General utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between International General's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of International General over time as well as its relative position and ranking within its peers.

International General Earnings per Share Projection vs Actual

By analyzing International General's earnings estimates, investors can diagnose different trends across International General's analyst sentiment over time as well as compare current EPS estimates against different timeframes. Please be aware that the consensus of earnings estimates for International General Insurance is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Covid
 
Interest Hikes
International General is projected to generate 0.7525 in earnings per share on the 31st of December 2026. International General earnings estimates show analyst consensus about projected International General EPS (Earning Per Share). It derives the highest and the lowest estimates based on International General's historical volatility. Many public companies, such as International General, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

International General Ownership Allocation

International General Insurance has a total of 43.18 Million outstanding shares. Over half of International General's outstanding shares are owned by outside corporations. These outside corporations are typically referred to as corporate investors that purchase positions in a given instrument to benefit from reduced trade commissions. Also note that almost nine hundred fourty-nine thousand nine hundred twenty invesors are currently shorting International General expressing very little confidence in its future performance.

International General Profitability Analysis

The company reported the previous year's revenue of 525.95 M. Net Income was 135.2 M with profit before overhead, payroll, taxes, and interest of 225.76 M.

International General Past Distributions to stockholders

Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates International General's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in International General and how it compares across the competition.

About International General Valuation

The stock valuation mechanism determines International General's current worth on a weekly basis. Our valuation model uses a comparative analysis of International General. We calculate exposure to International General's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of International General's related companies.
Last ReportedProjected for Next Year
Gross Profit264.8 M147.3 M
Pretax Profit Margin 0.23  0.13 
Operating Profit Margin 0.23  0.13 
Net Profit Margin 0.23  0.13 
Gross Profit Margin 0.39  0.27 

International General Quarterly Retained Earnings

582.5 Million

International General's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether International General's value is low or high relative to the company's performance and growth projections. Determining the market value of International General can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of International General represents a small ownership stake in the entity. As a stockholder of International, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

International General Dividends Analysis For Valuation

At present, International General's Dividend Payout Ratio is projected to slightly decrease based on the last few years of reporting. . At present, International General's Price Earnings To Growth Ratio is projected to increase based on the last few years of reporting.
Last ReportedProjected for Next Year
Dividends Paid30.5 M32 M
Dividend Yield 0.02  0.01 
Dividend Payout Ratio 0.23  0.43 
Dividend Paid And Capex Coverage Ratio 5.69  4.75 
There are various types of dividends International General can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of International shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from International General Insurance directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When International pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of International General by the value of the dividends paid out.

International General Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
Common Stock Shares Outstanding44.7 M
Quarterly Earnings Growth Y O Y0.001
Forward Price Earnings8.5034

International General Current Valuation Indicators

Valuation refers to the process of determining the present value of International General Insurance and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value International we look at many different elements of the entity such as International's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as International General, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use International General's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes International General's worth.

Complementary Tools for International Stock analysis

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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