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International General Insurance Holdings Ltd. Ordinary Share (IGIC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$24.85 +1.97% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $24.89

International General Insurance Holdings Ltd. Ordinary Share (IGIC) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ β€’ SELL / AVOID Cap $1.04B
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is IGIC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, International General Insurance Holdings Ltd. Ordinary Share (NASDAQ: IGIC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $24.85 (+1.97% 1D, market cap $1.04B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, IGIC ranks #573 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does IGIC compare to HRTG and HIPO in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), IGIC carries a Roarable D+ (53/100 RQD), trailing P/E of 8.3x, gross margin of β€”, and ROIC of 17.9%. By comparison, HRTG (Heritage Insurance Holdings Inc.) holds a B+ grade (77/100 RQD, P/E 5.5x, ROIC 85.0%, cap $1.06B) and HIPO (Hippo Holdings Inc.) posts a C- grade (60/100 RQD, P/E 15.7x, ROIC 14.4%, cap $975.2M). Among the 5-stock peer group, HRTG leads on earnings multiple (5.5x) while HRTG leads on capital efficiency (85.0% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for IGIC?
β–Ό

Per IGIC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001794338), International General Insurance Holdings Ltd. Ordinary Share generated $516.9M in revenue (-4.1% YoY), $127.2M in net income, and $108.1M in free cash flow against $2.10B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

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INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $24.89 (+0.16%)🧬 Cannibal Buyback (-2.08% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 20.9% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY β€’ 50.6% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D+
025507510053
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ Β· Rk D
Cash (12)Whales (6)SEC (10)Macro (10)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE-2.3% Base Target
$31 Bull$24 Base$19 Bear
πŸ“¬ FREE IGIC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for IGIC)Realized 20D OHLCV Swing Band: Β±3.8%
Deterministic 5-Pillar Attribution (53/100 Composite)
πŸ” WHY IGIC SCORES 53/100 (D+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (28% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy β€’ Cannibal Buyback (-2.08% YoY Shares)

β–² #2 Bullish Driver: Cash Engine Quality+12/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 20.9% FCF Margin ($108.1M FCF) & 52% Gross Margin

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
45
Grade D$24.56+1% Next Q
Q2 (-2Q)
48
Grade D$24.81-1% Next Q
Q3 (-1Q)
50
Grade C-$24.57+1.1% Next Q
Current
53
Grade D+$24.85-0.9% Hist 90D Ξ±
Trajectory: D (45) β†’ D+ (53)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a IGIC Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While IGIC currently carries a cautious 53/100 (D+) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($25.18) and Max Pain ($26.09) forces dealer call-delta covering toward $31.06.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-2.08% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $IGICβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œIGIC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 53%NO 47%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How IGIC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$108.1M (20.9% FCF Margin)
Revenue$516.9MGross Profit $268.8M (52%)Cost of Sales $248.1MOp Profit $0 (0%)OpEx (R&D/SG&A) $268.8MNet Profit$127.2M (24.6%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $499.2M
FY24
Rev $539.0M
FY25
Rev $516.9M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$516.9M52%0%$127.2M$108.1M17.9%
FY 2024$539.0M52%0%$135.2M$209.5M17.9%
FY 2023$499.2M52%-69.3%$118.2M$196.6M17.9%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring IGIC)

  • βœ“Walkthrough of IGIC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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IGIC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -0.12%πŸ“ HORIZONTAL RANGE
2026-11-03O $24.67H $24.85L $24.37C $24.85VOL 84.2K
RES: $32.00SUP: $22.64SMA50: $25.18SMA200: $25.57
$29.97$28.35$26.73$25.12$23.50RES $32.00SUP $22.64$24.852026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

IGIC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ IGIC Butterfly Map β†’ + Track IGIC β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-4.8%/yr Implied 5Y Growth

vs. -4.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on IGIC today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for IGIC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for IGIC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (IGIC)

Financials Rank #573 of 1097 βš”οΈ HRTG vs IGIC Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (IGIC vs. HRTG, HIPO, BOW, ASIC)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, International General Insurance Holdings Ltd. Ordinary Share (IGIC) ranks #573 by composite RQD confidence (53/100, grade D+) and #541 by equity capitalization ($1.04B). Within this direct 5-issuer industry benchmark cohort, HRTG leads on earnings valuation at 5.5x trailing P/E, while HRTG leads on capital efficiency and profitability with 85.0% ROIC and β€” gross margin. HRTG currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with IGIC at 53/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
IGIC ACTIVE
International General Insurance Holdings Ltd. Ordinary Share
D+ 53/100 8.3x β€” 17.9% +1.97% $1.04B Benchmark Subject
HRTG
Heritage Insurance Holdings Inc.
B+ 77/100 5.5x β€” 85.0% +0.84% $1.06B /hrtg-vs-igic β†’
HIPO
Hippo Holdings Inc.
C- 60/100 15.7x β€” 14.4% -2.54% $975.2M /hipo-vs-igic β†’
BOW
Bowhead Specialty Holdings Inc.
C 63/100 20.9x β€” 12.0% -0.23% $1.12B /bow-vs-igic β†’
ASIC
Ategrity Specialty Insurance Company Holdings
C+ 66/100 15.8x β€” 12.0% +2.02% $1.14B /asic-vs-igic β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001794338 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), International General Insurance Holdings Ltd. Ordinary Share (IGIC) reported GAAP revenue of $516.9M (-4.1% vs. FY2024 revenue of $539.0M , and +3.5% cumulative change since FY2023) , GAAP net income of $127.2M, operating cash flow of $108.1M, and free cash flow of $108.1M (-48.4% YoY). On the balance sheet, IGIC closed FY2025 with $2.10B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $516.9M $127.2M $108.1M $108.1M $2.10B β€”
FY2024 (FY) 2024-12-31 $539.0M $135.2M $209.5M $209.5M $2.04B β€”
FY2023 (FY) 2023-12-31 $499.2M $118.2M $196.6M $196.6M β€” β€”

3. IGIC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is IGIC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, International General Insurance Holdings Ltd. Ordinary Share (NASDAQ: IGIC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $24.85 (+1.97% 1D, market cap $1.04B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, IGIC ranks #573 in composite RQD confidence.

How does IGIC compare to HRTG and HIPO in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), IGIC carries a Roarable D+ (53/100 RQD), trailing P/E of 8.3x, gross margin of β€”, and ROIC of 17.9%. By comparison, HRTG (Heritage Insurance Holdings Inc.) holds a B+ grade (77/100 RQD, P/E 5.5x, ROIC 85.0%, cap $1.06B) and HIPO (Hippo Holdings Inc.) posts a C- grade (60/100 RQD, P/E 15.7x, ROIC 14.4%, cap $975.2M). Among the 5-stock peer group, HRTG leads on earnings multiple (5.5x) while HRTG leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for IGIC?

Per IGIC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001794338), International General Insurance Holdings Ltd. Ordinary Share generated $516.9M in revenue (-4.1% YoY), $127.2M in net income, and $108.1M in free cash flow against $2.10B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is IGIC trading relative to its 50-day, 200-day, and 52-week technical levels?

IGIC last traded at $24.85 (+1.97% on volume of 62,313 shares), positioning the stock -1.31% below its 50-day simple moving average ($25.18) and -2.82% below its 200-day simple moving average ($25.57). Across its 52-week range of $20.82 to $29.58, IGIC sits at the 46.0% percentile with a 14-day RSI of 44.0 (NEUTRAL RANGE) and an implied next-earnings move of Β±3.8% ($23.91 to $25.79).

Direct Sub-Reports: IGIC RQD Cockpit IGIC 12M Forecast IGIC Earnings & Move IGIC Dividends & DRIP IGIC Insiders & 13F IGIC Whale Options IGIC Profit Sankey IGIC News & Why
ROARABLE RATING BRIEF β€’ RQD 53/100 (D+) βœ“ SEC XBRL & RQD VERIFIED

IGIC β€” International General Insurance Holdings Ltd. Ordinary Share: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

International General Insurance Holdings Ltd. Ordinary Share (IGIC) earns a live Roarable RQD composite score of 53/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $24.85 (+1.97% 1D, market capitalization $1.04B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 17.9%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 10.23%.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. The company reported revenue of $516.9M for FY 2025. The market capitalization is listed at $1.1B in the profile and $1.06B in market data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), International General Insurance Holdings Ltd. Ordinary Share (IGIC) reported $516.9M in annual revenue (up from $539.0M in FY2024, -4.1% YoY) and $127.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($499.2M revenue, $118.2M net income) through FY2025, IGIC scaled operating cash flow to $108.1M and free cash flow to $108.1M, backed by $2.10B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D+ β€’ RQD 53/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 10.23% and institutional whale pillar of 6/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $20.82 – $29.58 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 8.3x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Property-Casualty Insurers (Financials), IGIC carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can IGIC sustain or expand its β€” operating margin and 17.9% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $516.9M and free cash flow of $108.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is IGIC's 7.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

IGIC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for International General Insurance Holdings Ltd. Ordinary Share (IGIC) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to IGIC Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

IGIC Bull vs. Bear Conversation Board β€” What's Your Call at $24.85?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON IGIC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on IGIC:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER β€’ Systematic Momentum Desk πŸ‚ BULLISH 🎯 Target: $31.68 (+30.0%)
πŸ“Œ Pinned Debate

Trades at 8.3x trailing earnings with a 10.23% FCF yield and 17.9% ROIC, the cash generation supporting the Fundamental Cash Engine pil

Here is why I am bullish on IGIC here at $24.37: Trades at 8.3x trailing earnings with a 10.23% FCF yield and 17.9% ROIC, the cash generation supporting the Fundamental Cash Engine pillar.. Compare IGIC's 0.0% operating margin and 17.9% ROIC against the rest of Property-Casualty Insurers. As long as cash conversion holds up, dips toward $23.15 are getting bought.

ArenaChamp_24 πŸ‚ BULL

@QuantViper Agree on the RQD 53/100 quality, though with 1.0 beta I'm scaling in with half-size at $24.37 and keeping dry powder in case we test $22.66.

RI RiskArb_Desk RQD DEBATE OPENER β€’ Hedged Event Driven 🐻 BEARISH 🎯 Target: $20.23 (-17.0%)
Spot @ $24.37

Piotroski F-Score of 3 of 9 and free cash flow that fell from $209.5M to $108.1M, with a rating that recommends trimming.

I respect the product at International General Insurance Holdings Ltd. Ordinary Share, but the stock at $24.37 is a different story. Piotroski F-Score of 3 of 9 and free cash flow that fell from $209.5M to $108.1M, with a rating that recommends trimming.. FCF yield is 10.23% and RQD sits at 53/100 (D+) β€” why pay up here when you can wait for next quarter's numbers?

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