What is Intl Gnrl Insurance Hldngs Ltd's earnings per share (EPS)?

Intl Gnrl Insurance Hldngs Ltd (IGIC) reported diluted earnings per share of $2.98 for fiscal year 2024. This represents a 16.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Intl Gnrl Insurance Hldngs Ltd Financials

IGIC

Source SEC Filings (10-K/10-Q) Updated Jun 30, 2025 Currency USD FYE December

This page shows Intl Gnrl Insurance Hldngs Ltd (IGIC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 66/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Intl Gnrl Insurance Hldngs Ltd's revenue grew 8.0% year-over-year to $539.0M, a solid pace of expansion. This earns a growth score of 47/100.

Leverage

Intl Gnrl Insurance Hldngs Ltd has a moderate D/E ratio of 2.11. This balance of debt and equity financing earns a leverage score of 59/100.

Cash Flow

100

Intl Gnrl Insurance Hldngs Ltd converts 37.6% of revenue into free cash flow ($202.8M). This strong cash generation earns a score of 100/100.

Returns

Intl Gnrl Insurance Hldngs Ltd's ROE of 20.6% shows moderate profitability relative to equity, earning a score of 57/100. This is down from 21.9% the prior year.

Piotroski F-Score Neutral

5/9

Intl Gnrl Insurance Hldngs Ltd passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.55x

For every $1 of reported earnings, Intl Gnrl Insurance Hldngs Ltd generates $1.55 in operating cash flow ($209.5M OCF vs $135.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$539.0M

YoY+8.0%

Intl Gnrl Insurance Hldngs Ltd generated $539.0M in revenue in fiscal year 2024. This represents an increase of 8.0% from the prior year.

EBITDA

N/A

Net Income

$135.2M

YoY+14.3%

Intl Gnrl Insurance Hldngs Ltd reported $135.2M in net income in fiscal year 2024. This represents an increase of 14.3% from the prior year.

EPS (Diluted)

$2.98

YoY+16.9%

Intl Gnrl Insurance Hldngs Ltd earned $2.98 per diluted share (EPS) in fiscal year 2024. This represents an increase of 16.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$202.8M

YoY+4.9%

Intl Gnrl Insurance Hldngs Ltd generated $202.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 4.9% from the prior year.

Cash & Debt

$155.2M

YoY-12.3%

Intl Gnrl Insurance Hldngs Ltd held $155.2M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.58

YoY+1362.5%

Intl Gnrl Insurance Hldngs Ltd paid $0.58 per share in dividends in fiscal year 2024. This represents an increase of 1362.5% from the prior year.

Shares Outstanding

45M

YoY-2.1%

Intl Gnrl Insurance Hldngs Ltd had 45M shares outstanding in fiscal year 2024. This represents a decrease of 2.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

25.1%

YoY+1.4pp

Intl Gnrl Insurance Hldngs Ltd's net profit margin was 25.1% in fiscal year 2024, showing the share of revenue converted to profit. This is up 1.4 percentage points from the prior year.

Return on Equity

20.6%

YoY-1.2pp

Intl Gnrl Insurance Hldngs Ltd's ROE was 20.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$23.2M

YoY-25.5%

Intl Gnrl Insurance Hldngs Ltd spent $23.2M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 25.5% from the prior year.

Capital Expenditures

$6.6M

YoY+104.1%

Intl Gnrl Insurance Hldngs Ltd invested $6.6M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 104.1% from the prior year.

IGIC Income Statement

Metric	FY24	FY23	FY22	FY21
Revenue	$539.0M+8.0%	$499.2M+27.0%	$393.2M+12.2%	$350.4M
Cost of Revenue	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A
SG&A Expenses	$90.4M+14.5%	$78.9M+17.4%	$67.2M+15.5%	$58.2M
Operating Income	N/A	-$345.9M-13.2%	-$305.7M-1.3%	-$301.7M
Interest Expense	N/A	N/A	N/A	N/A
Income Tax	-$2.9M-136.4%	$7.9M+167.9%	$2.9M+61.6%	$1.8M
Net Income	$135.2M+14.3%	$118.2M+32.5%	$89.2M+90.6%	$46.8M
EPS (Diluted)	$2.98+16.9%	$2.55+38.6%	$1.84+87.8%	$0.98

Metric	Q2'25	Q4'24	Q2'24	Q4'23	Q2'23	Q4'22
Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A

IGIC Balance Sheet

Metric	FY24	FY23	FY22	FY21
Total Assets	$2.0B+10.9%	$1.8B+16.3%	$1.6B	N/A
Current Assets	N/A	N/A	N/A	N/A
Cash & Equivalents	$155.2M-12.3%	$177.0M+44.9%	$122.1M-49.6%	$242.1M
Inventory	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A
Total Liabilities	$1.4B+6.6%	$1.3B+11.0%	$1.2B	N/A
Current Liabilities	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A
Total Equity	$654.8M+21.2%	$540.4M+31.5%	$410.9M+7.8%	$381.1M
Retained Earnings	$531.7M+25.7%	$423.0M+38.0%	$306.6M	N/A

Metric	Q2'25	Q4'24	Q2'24	Q4'23	Q2'23	Q4'22
Total Assets	$2.1B+4.2%	$2.0B+4.0%	$2.0B+6.6%	$1.8B+6.0%	$1.7B+9.7%	$1.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$164.8M+6.2%	$155.2M-7.4%	$167.6M-5.3%	$177.0M+3.9%	$170.4M+39.5%	$122.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.5B+5.7%	$1.4B+0.9%	$1.4B+5.6%	$1.3B+2.4%	$1.3B+8.3%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$662.3M+1.1%	$654.8M+11.3%	$588.2M+8.8%	$540.4M+15.8%	$466.8M+13.6%	$410.9M
Retained Earnings	$551.2M+3.7%	$531.7M+13.3%	$469.3M+10.9%	$423.0M+11.2%	$380.3M+24.0%	$306.6M

IGIC Cash Flow Statement

Metric	FY24	FY23	FY22	FY21
Operating Cash Flow	$209.5M+6.5%	$196.6M+26.9%	$154.9M-11.6%	$175.3M
Capital Expenditures	$6.6M+104.1%	$3.2M+154.7%	$1.3M-46.5%	$2.4M
Free Cash Flow	$202.8M+4.9%	$193.4M+25.9%	$153.6M-11.2%	$172.9M
Investing Cash Flow	-$186.6M-106.5%	-$90.4M+63.3%	-$246.5M-379.1%	-$51.5M
Financing Cash Flow	-$49.7M-1.1%	-$49.2M-291.9%	-$12.5M+17.1%	-$15.1M
Dividends Paid	$26.5M+1416.7%	$1.7M-82.8%	$10.2M-32.9%	$15.1M
Share Buybacks	$23.2M-25.5%	$31.1M+1198.7%	$2.4M	N/A

Metric	Q2'25	Q4'24	Q2'24	Q4'23	Q2'23	Q4'22
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

IGIC Financial Ratios

Metric	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A
Operating Margin	N/A	-69.3%+8.4pp	-77.7%+8.4pp	-86.1%
Net Margin	25.1%+1.4pp	23.7%+1.0pp	22.7%+9.3pp	13.4%
Return on Equity	20.6%-1.2pp	21.9%+0.2pp	21.7%+9.4pp	12.3%
Return on Assets	6.6%+0.2pp	6.4%+0.8pp	5.7%	N/A
Current Ratio	N/A	N/A	N/A	N/A
Debt-to-Equity	2.11-0.3	2.40-0.4	2.84	N/A
FCF Margin	37.6%-1.1pp	38.7%-0.3pp	39.1%-10.3pp	49.4%

Metric	Q2'25	Q4'24	Q2'24	Q4'23	Q2'23	Q4'22
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.21+0.1	2.11-0.2	2.33-0.1	2.40-0.3	2.71-0.1	2.84
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Intl Gnrl Insurance Hldngs Ltd's annual revenue?

Intl Gnrl Insurance Hldngs Ltd (IGIC) reported $539.0M in total revenue for fiscal year 2024. This represents a 8.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Intl Gnrl Insurance Hldngs Ltd's revenue growing?

Intl Gnrl Insurance Hldngs Ltd (IGIC) revenue grew by 8% year-over-year, from $499.2M to $539.0M in fiscal year 2024.

Is Intl Gnrl Insurance Hldngs Ltd profitable?

Yes, Intl Gnrl Insurance Hldngs Ltd (IGIC) reported a net income of $135.2M in fiscal year 2024, with a net profit margin of 25.1%.

What is Intl Gnrl Insurance Hldngs Ltd's net profit margin?

Intl Gnrl Insurance Hldngs Ltd (IGIC) had a net profit margin of 25.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Intl Gnrl Insurance Hldngs Ltd pay dividends?

Yes, Intl Gnrl Insurance Hldngs Ltd (IGIC) paid $0.58 per share in dividends during fiscal year 2024.

What is Intl Gnrl Insurance Hldngs Ltd's return on equity (ROE)?

Intl Gnrl Insurance Hldngs Ltd (IGIC) has a return on equity of 20.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Intl Gnrl Insurance Hldngs Ltd's free cash flow?

Intl Gnrl Insurance Hldngs Ltd (IGIC) generated $202.8M in free cash flow during fiscal year 2024. This represents a 4.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Intl Gnrl Insurance Hldngs Ltd's operating cash flow?

Intl Gnrl Insurance Hldngs Ltd (IGIC) generated $209.5M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Intl Gnrl Insurance Hldngs Ltd's total assets?

Intl Gnrl Insurance Hldngs Ltd (IGIC) had $2.0B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Intl Gnrl Insurance Hldngs Ltd's capital expenditures?

Intl Gnrl Insurance Hldngs Ltd (IGIC) invested $6.6M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Intl Gnrl Insurance Hldngs Ltd buy back shares?

Yes, Intl Gnrl Insurance Hldngs Ltd (IGIC) spent $23.2M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Intl Gnrl Insurance Hldngs Ltd have outstanding?

Intl Gnrl Insurance Hldngs Ltd (IGIC) had 45M shares outstanding as of fiscal year 2024.

What is Intl Gnrl Insurance Hldngs Ltd's debt-to-equity ratio?

Intl Gnrl Insurance Hldngs Ltd (IGIC) had a debt-to-equity ratio of 2.11 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Intl Gnrl Insurance Hldngs Ltd's return on assets (ROA)?

Intl Gnrl Insurance Hldngs Ltd (IGIC) had a return on assets of 6.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Intl Gnrl Insurance Hldngs Ltd's Piotroski F-Score?

Intl Gnrl Insurance Hldngs Ltd (IGIC) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Intl Gnrl Insurance Hldngs Ltd's earnings high quality?

Intl Gnrl Insurance Hldngs Ltd (IGIC) has an earnings quality ratio of 1.55x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Intl Gnrl Insurance Hldngs Ltd?

Intl Gnrl Insurance Hldngs Ltd (IGIC) scores 66 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.