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

Intl Gnrl Insurance Hldngs Ltd (IGIC) reported diluted earnings per share of $2.89 for fiscal year 2025. This represents a -3.0% 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 Dec 31, 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 5 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).

Rhea AI IGIC FY2025 2026-04-23

A liability-funded balance sheet kept expanding book equity, but cash conversion weakened even as profits stayed high.

Net income moved only from $135M in FY2024 to $127M in FY2025. Operating cash flow fell from $209M to $108M, so with capital spending negligible, the latest year looks less like an earnings collapse than a timing gap between profit recognition and cash realization.

Assets reached $2.1B against equity of $710M, showing that the business runs on a large liability-backed balance sheet rather than a simple operating-asset base. As retained earnings climbed across the period and the leverage reading eased to 2.0x, book value growth increasingly came from keeping profits inside the business, not from adding outside capital.

In FY2025, buybacks and dividends consumed almost the same cash the company generated: about $108M returned versus $107M of free cash flow. That near one-for-one match says management is currently using surplus cash for capital returns rather than for heavy physical reinvestment, which fits a business with very low annual capex.

Financial Health Signals

Financial Profile 42/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Intl Gnrl Insurance Hldngs Ltd's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Intl Gnrl Insurance Hldngs Ltd's revenue declined 4.1% year-over-year, from $539.0M to $516.9M. This contraction results in a growth score of 36/100.

Leverage

Intl Gnrl Insurance Hldngs Ltd has a moderate D/E ratio of 1.96. This balance of debt and equity financing earns a leverage score of 62/100.

Cash Flow

Intl Gnrl Insurance Hldngs Ltd converts 20.7% of revenue into free cash flow ($107.2M). This strong cash generation earns a score of 99/100.

Returns

Intl Gnrl Insurance Hldngs Ltd's ROE of 17.9% shows moderate profitability relative to equity, earning a score of 54/100. This is down from 20.6% the prior year.

Piotroski F-Score Weak

3/9

Intl Gnrl Insurance Hldngs Ltd passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.85x

For every $1 of reported earnings, Intl Gnrl Insurance Hldngs Ltd generates $0.85 in operating cash flow ($108.1M OCF vs $127.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$516.9M

YoY-4.1%

Intl Gnrl Insurance Hldngs Ltd generated $516.9M in revenue in fiscal year 2025. This represents a decrease of 4.1% from the prior year.

EBITDA

N/A

Net Income

$127.2M

YoY-5.9%

Intl Gnrl Insurance Hldngs Ltd reported $127.2M in net income in fiscal year 2025. This represents a decrease of 5.9% from the prior year.

EPS (Diluted)

$2.89

YoY-3.0%

Intl Gnrl Insurance Hldngs Ltd earned $2.89 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 3.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$107.2M

YoY-47.2%

Intl Gnrl Insurance Hldngs Ltd generated $107.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 47.2% from the prior year.

Cash & Debt

$186.2M

YoY+19.9%

Intl Gnrl Insurance Hldngs Ltd held $186.2M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.02

YoY+73.7%

Intl Gnrl Insurance Hldngs Ltd paid $1.02 per share in dividends in fiscal year 2025. This represents an increase of 73.7% from the prior year.

Shares Outstanding

43M

YoY-5.0%

Intl Gnrl Insurance Hldngs Ltd had 43M shares outstanding in fiscal year 2025. This represents a decrease of 5.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.6%

YoY-0.5pp

Intl Gnrl Insurance Hldngs Ltd's net profit margin was 24.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.5 percentage points from the prior year.

Return on Equity

17.9%

YoY-2.7pp

Intl Gnrl Insurance Hldngs Ltd's ROE was 17.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$61.9M

YoY+167.4%

Intl Gnrl Insurance Hldngs Ltd spent $61.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 167.4% from the prior year.

Capital Expenditures

$944K

YoY-85.8%

Intl Gnrl Insurance Hldngs Ltd invested $944K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 85.8% from the prior year.

IGIC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21
Revenue	$516.9M-4.1%	$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	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$97.0M+7.4%	$90.4M+14.5%	$78.9M+17.4%	$67.2M+15.5%	$58.2M
Operating Income	N/A	N/A	-$345.9M-13.2%	-$305.7M-1.3%	-$301.7M
Interest Expense	N/A	N/A	N/A	N/A	N/A
Income Tax	-$10K+99.7%	-$2.9M-136.4%	$7.9M+167.9%	$2.9M+61.6%	$1.8M
Net Income	$127.2M-5.9%	$135.2M+14.3%	$118.2M+32.5%	$89.2M+90.6%	$46.8M
EPS (Diluted)	$2.89-3.0%	$2.98+16.9%	$2.55+38.6%	$1.84+87.8%	$0.98

Metric	Q4'25	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	N/A
Cost of Revenue	N/A	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	N/A
R&D Expenses	N/A	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	N/A
Operating Income	N/A	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	N/A
Income Tax	N/A	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	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A

IGIC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21
Total Assets	$2.1B+3.1%	$2.0B+10.9%	$1.8B+16.3%	$1.6B	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$186.2M+19.9%	$155.2M-12.3%	$177.0M+44.9%	$122.1M-49.6%	$242.1M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.4B+0.6%	$1.4B+6.6%	$1.3B+11.0%	$1.2B	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$710.1M+8.4%	$654.8M+21.2%	$540.4M+31.5%	$410.9M+7.8%	$381.1M
Retained Earnings	$612.6M+15.2%	$531.7M+25.7%	$423.0M+38.0%	$306.6M	N/A

Metric	Q4'25	Q2'25	Q4'24	Q2'24	Q4'23	Q2'23	Q4'22
Total Assets	$2.1B-1.1%	$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	N/A
Cash & Equivalents	$186.2M+12.9%	$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	N/A
Accounts Receivable	N/A	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	N/A
Total Liabilities	$1.4B-4.9%	$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	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$710.1M+7.2%	$662.3M+1.1%	$654.8M+11.3%	$588.2M+8.8%	$540.4M+15.8%	$466.8M+13.6%	$410.9M
Retained Earnings	$612.6M+11.1%	$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	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	$108.1M-48.4%	$209.5M+6.5%	$196.6M+26.9%	$154.9M-11.6%	$175.3M
Capital Expenditures	$944K-85.8%	$6.6M+104.1%	$3.2M+154.7%	$1.3M-46.5%	$2.4M
Free Cash Flow	$107.2M-47.2%	$202.8M+4.9%	$193.4M+25.9%	$153.6M-11.2%	$172.9M
Investing Cash Flow	$35.9M+119.3%	-$186.6M-106.5%	-$90.4M+63.3%	-$246.5M-379.1%	-$51.5M
Financing Cash Flow	-$107.5M-116.3%	-$49.7M-1.1%	-$49.2M-291.9%	-$12.5M+17.1%	-$15.1M
Dividends Paid	$46.2M+74.2%	$26.5M+1416.7%	$1.7M-82.8%	$10.2M-32.9%	$15.1M
Share Buybacks	$61.9M+167.4%	$23.2M-25.5%	$31.1M+1198.7%	$2.4M	N/A

Metric	Q4'25	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	N/A
Capital Expenditures	N/A	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	N/A
Investing Cash Flow	N/A	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	N/A
Dividends Paid	N/A	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	N/A

IGIC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	-69.3%+8.4pp	-77.7%+8.4pp	-86.1%
Net Margin	24.6%-0.5pp	25.1%+1.4pp	23.7%+1.0pp	22.7%+9.3pp	13.4%
Return on Equity	17.9%-2.7pp	20.6%-1.2pp	21.9%+0.2pp	21.7%+9.4pp	12.3%
Return on Assets	6.0%-0.6pp	6.6%+0.2pp	6.4%+0.8pp	5.7%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.96-0.2	2.11-0.3	2.40-0.4	2.84	N/A
FCF Margin	20.7%-16.9pp	37.6%-1.1pp	38.7%-0.3pp	39.1%-10.3pp	49.4%

Metric	Q4'25	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	N/A
Operating Margin	N/A	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	N/A
Return on Equity	N/A	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	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.96-0.2	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	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 $516.9M in total revenue for fiscal year 2025. This represents a -4.1% 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 declined by 4.1% year-over-year, from $539.0M to $516.9M in fiscal year 2025.

Is Intl Gnrl Insurance Hldngs Ltd profitable?

Yes, Intl Gnrl Insurance Hldngs Ltd (IGIC) reported a net income of $127.2M in fiscal year 2025, with a net profit margin of 24.6%.

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

Intl Gnrl Insurance Hldngs Ltd (IGIC) had a net profit margin of 24.6% in fiscal year 2025, 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 $1.02 per share in dividends during fiscal year 2025.

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

Intl Gnrl Insurance Hldngs Ltd (IGIC) has a return on equity of 17.9% for fiscal year 2025, 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 $107.2M in free cash flow during fiscal year 2025. This represents a -47.2% 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 $108.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

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

Intl Gnrl Insurance Hldngs Ltd (IGIC) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.

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

Intl Gnrl Insurance Hldngs Ltd (IGIC) invested $944K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Intl Gnrl Insurance Hldngs Ltd buy back shares?

Yes, Intl Gnrl Insurance Hldngs Ltd (IGIC) spent $61.9M on share buybacks during fiscal year 2025, 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 43M shares outstanding as of fiscal year 2025.

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 1.96 as of fiscal year 2025, 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 6.0% for fiscal year 2025, 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 3 out of 9, indicating weak 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 to 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 0.85x, considered mixed 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 42 out of 100 on our Financial Profile, indicating moderate 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.