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IGIC

๐Ÿฆ Financial Services

International General Insurance Holdings Ltd.

Conservative #243Aggressive #598Low RiskFโ†‘ 25pt
$25.20-0.32%
Day High$25.38
Day Low$25.05
Volume0.0M
Mkt Cap$1.1B
52W Low $2152W High $28
Market Cap
$1.1B
P/E Ratio
9.3
Sector avg: 26.8
Rev Growth
10.2%
Sector avg: 13.4%
Earnings Growth
14.3%
Profit Margin
23.9%
Sector avg: -2.8%
Debt/Equity
N/A

Why This Score

IGIC scores 65.6 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Strong profitability: ROE of 18.8% exceeds the 15% quality threshold.
  • High net margin of 23.9%, indicating pricing power and operational efficiency.
  • Attractively valued at 9.3x earnings, below the market average.
  • Low volatility (5.5% annualized) โ€” well-suited for risk-averse portfolios.
  • Minimal leverage (D/E 0.00) provides financial flexibility and downside protection.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 15-point penalty for execution risk.

Net penalties of -15.0 points significantly impact the ranking. Without these adjustments, IGIC would rank considerably higher.

Score Breakdown

Overall Score65.6
Fundamental Score74.5
ML Score85.0

Score by Horizon

3 Month
49.7
6 Month
55.6
Primary
1 Year
58.5

Quality Assessment

C
Quality Grade
Average quality โ€” moderate profitability or leverage

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
20
Topping
Sentiment (2.5%)
43
Neutral
Analyst (6.4%)
75
Favorable
Tradability (post-hoc)
20
Grade Dlow volume, low dollar volume
Base
61.6
SHAP
+3.5
Factors
+0.5
Final
65.6
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

64AVG
Value85
Quality56
Growth61
Stability85
Investment35

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)73.0
Technical (Momentum, Weinstein, Volatility)74.0
External (Sentiment, Analyst, Macro)54.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-2.3% to +1.8%
Medium-term
-3.0% to +3.1%
Long-term
-3.7% to +4.4%

ML Model Core Features100 trained inputs โ†’ ML Score: 85

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score75.0/100
Target Upside-24.8%
Coverage2 analysts
Market Sentiment
Sentiment Score42.7/100
News Volume1 articles
Technical Stage
Weinstein Stage3 โ€” Topping
12M Momentum+0.0%
6M Momentum+0.0%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration-0.7%
Momentum ConsistencyStrong (0.84)
Relative Strength vs Sector-5.1%
Trend Strength (ADX Proxy)Weak (0.7)
Momentum Quality+0.033
Momentum BreadthBroad โœ“
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
8%
Low risk
Sector RevGr Rank
P67
Revenue growth vs Financial Services peers
Sector PE Rank
P88
Valuation vs Financial Services peers
Sector FCF Rank
P29
Free cash flow vs Financial Services peers
Growth Deviation
+0.1ฯƒ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 75 relative to sector peers75/100
Machine learning ensemble ranks this stock at the 85th percentileP85
Blended score: 80% fundamental (75) + 20% ML (85) = 76.676.6
Risk assessment: low. Low vol 0.1%; Drawdown 13% โ†’ 0.0ptLow
Earnings quality grade C: mixed earnings quality, some red flags. Score adjusted by 0 pointsGrade C
SHAP feature alignment: +3.5pt (features align with model priorities)SHAP
Risk Factors
Liquidity penalty: -15.0pt (grade D)Liquidity

Sector Peer Comparison(Financial Services โ€” Rank #92 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
IGIC65.69.310.2%23.9%$1.1B
CME86.427.29.9%57.5%$114.0B
FHB84.911.83.2%24.2%$3.1B
ACT84.58.92.4%54.6%$6.1B
CINF84.210.711.4%18.9%$25.4B
SEIC82.214.010.7%27.3%$9.9B
TROW79.910.13.1%28.5%$20.5B
QQQX79.710.448.6%257.3%$1.4B
IBOC78.210.67.5%40.1%$4.2B
HWC77.812.2-1.5%24.1%$5.6B
FFIN77.518.811.7%30.7%$4.7B
TRMK77.111.934.8%19.3%$2.6B
NMIH77.17.78.4%55.1%$3.0B
EWBC76.712.74.6%28.3%$15.3B
WSFS76.312.8-3.1%21.1%$3.5B
MCHB76.1N/A123.7%23.2%$3.1B
Sector Average47.526.813.4%-2.8%โ€”

Market Sentimentvia FMP

Analyst Consensus
Buy2 analysts
Buy: 2
Price Target
$19consensus
Low $19Median $19High $19
-24.6% to consensus target

Company Overviewvia FMP

International General Insurance Holdings Ltd. provides specialty insurance and reinsurance solutions worldwide. The company operates through three segments: Specialty Long-tail, Specialty Short-tail, and Reinsurance. It underwrites a diversified portfolio of specialty risks, including energy, property, construction and engineering, ports and terminals, general aviation, political violence, casualty, financial institutions, marine, contingency, and treaty reinsurance. The company was founded in 2001 and is based in Amman, Jordan.

CEO
Waleed Wasef Jabsheh
Employees
401
Beta
0.15
Industry
Insurance - Diversified
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
44.3
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-8.8%
High: $27.63
From 52W Low
+21%
Low: $20.82
Moving Averages
10-Day
$25.30
Below
20-Day
$25.20
Below
50-Day
$24.90
Above
200-Day
$23.80
Above
60-Day Support
$23.14
60-Day Resistance
$26.39
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 3 โ€” ToppingScore: 31/100

Stock is losing momentum near highs. The 200-day SMA is flattening or beginning to turn. Historically, this stage precedes distribution.

Exercise caution; tighten risk management
Price vs 200 SMA
+5.9%
200 SMA Slope (60d)
-0.43%
Flattening
Volume Ratio
0.97x
10d avg vs 50d avg
Days in Stage
31
Confidence: 70%

Entry & Exit Zones

Avoid
$23.67
Stop Entry Now Target
$25.96
No Entry
โ€”
No new entry โ€” distribution phase
Exit Target
$25.20
Reduce at current price ($25.2)
Stop Level
$24.40
Below SMA50 ($24.4)

Stage 3 distribution โ€” institutional selling pressure is building. Avoid new positions. If already holding, consider reducing and tightening stops below SMA50.

Technical zones only โ€” derived from moving averages and price structure. Not financial advice. Past technical patterns do not guarantee future performance.

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$126M$123M$143M$136M
Gross Profit$80M$59M$63M$51M
Operating Income$31M$33M$35M$29M
Net Income$32M$34M$34M$27M
EPS (Diluted)$0.76$0.75$0.77$0.59
Gross Margin62.9%48.3%44.1%37.7%
Operating Margin24.3%27.0%24.3%21.1%
Net Margin25.6%27.3%23.9%20.0%

Why This Stock

Financial ServicesP/E ratio of 9.3Revenue growth 10.2%Profit margin 23.9%Earnings quality grade AValuation below sector median (P/E 9.3)

Tradability FilterGrade D โ€” 20/100Score impact: -8.9pt

Low Tradability Warning

This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor โ€” it is a practical tradability overlay).

Volume
1
52K avg/day
Dollar Vol
4
$1M/day
Float
35
15M shares
Mkt Cap
42
$1.1B
Range
53
33% spread
Composite Liquidity Score20/100
FDCBA
low volumelow dollar volumelow float

Multi-Year Range Analysis

Sideways: 15/100
YearLowHighRangeStatus
2021$6.75$11.0548.3%Wide
2022$6.72$8.3822%Narrow
2023$7.80$13.4653.2%Wide
2024$11.51$27.0080.4%Wide
2025$20.82$27.7628.6%Moderate
3-Year Range
112.3%
Narrow Years
2 / 5
Sideways Penalty
None
Free Float
35.0%
Outstanding Shares
44M
Bid-Ask Spread
33.0%
Institutional Tradable
No

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.