Intl Gnrl Insurance Hldngs Ltd Financials
Intl Gnrl Insurance Hldngs Ltd (IGIC) reported $516.9M in revenue for fiscal year 2025, down 4.1% from the prior fiscal year. This page shows its 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).
Stable profitability has been building a thicker equity cushion, but FY2025 exposed a sharper slowdown in cash conversion.
In FY2025, financing outflows of$107.5M nearly matched operating cash flow of$108.1M , so the higher cash balance was not driven by stronger internal cash generation; it came from investments becoming a source of cash. That matters because free-cash-flow margin fell to20.7% from37.6% , showing that cash backed reported earnings much less convincingly than a year earlier.
Over the last three fiscal years, book capital climbed to
FY2025 also looks like a clearer capital-return phase: buybacks of
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Not available for Intl Gnrl Insurance Hldngs Ltd, and counted as zero in the overall score.
Intl Gnrl Insurance Hldngs Ltd passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
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
Earnings & Revenue
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.
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.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Intl Gnrl Insurance Hldngs Ltd held $186.2M in cash as of fiscal year 2025; long-term debt is not reported for that period.
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.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
IGIC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| 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 |
| 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 |
| 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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Interest Expense.
IGIC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Total Assets | $2.1B+3.1% | $2.0B+10.9% | $1.8B+16.3% | $1.6B | N/A |
| Cash & Equivalents | $186.2M+19.9% | $155.2M-12.3% | $177.0M+44.9% | $122.1M-49.6% | $242.1M |
| Total Liabilities | $1.4B+0.6% | $1.4B+6.6% | $1.3B+11.0% | $1.2B | 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.
IGIC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| 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 |
IGIC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| 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 |
| Debt-to-Equity | 1.96-0.2x | 2.11-0.3x | 2.40-0.4x | 2.84 | N/A |
| FCF Margin | 20.7%-16.9pp | 37.6%-1.1pp | 38.7%-0.3pp | 39.1%-10.3pp | 49.4% |
Not reported in any period shown, so not listed: Gross Margin, Current Ratio.
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Where Intl Gnrl Insurance Hldngs Ltd Ranks
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 57 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.