IGIC's ROE % is ranked better than 73.11% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs IGIC: 18.08
International General Insurance Holdings (NAS:IGIC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
International General Insurance Holdings ROE % Related Terms
International General Insurance Holdings ROE % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
International General Insurance Holdings ROE % Chart
International General Insurance Holdings Annual Data
For the Insurance - Diversified subindustry, International General Insurance Holdings's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
International General Insurance Holdings ROE % vs Insurance Industry
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
International General Insurance Holdings (IGIC) has a ROE % of 12.73% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on International General Insurance Holdings and its competitors. This is 17% below median its historical median of 15.30. Over the past decade, International General Insurance Holdings' ROE % has ranged from 7.68 to 24.85. According to the industry distribution chart, International General Insurance Holdings ranks #135 out of 502 companies in the Insurance industry, placing it in the top 26.9%.
Is International General Insurance Holdings' ROE % too high?
International General Insurance Holdings' current ROE % of 12.73% is 17% below median its 10-year median of 15.30. Over the past 10 years, this metric has ranged from a low of 7.68 to a high of 24.85. The Insurance industry median ROE % is 11.73. International General Insurance Holdings' value of 12.73% is 8.5% above this industry median. Based on the distribution chart, International General Insurance Holdings ranks #135 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, International General Insurance Holdings has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does International General Insurance Holdings' ROE % compare to XZO and PLGO?
According to the Insurance industry distribution chart, International General Insurance Holdings ranks #135 out of 502 companies for ROE %. This puts International General Insurance Holdings in the upper half of its industry. The industry median ROE % is 11.73. International General Insurance Holdings' value of 12.73% is 8.5% above this benchmark. Historically, International General Insurance Holdings' own ROE % has ranged from 7.68 to 24.85 over the past decade. While the company's 10-year median is 15.30 vs. the industry median of 11.73, International General Insurance Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International General Insurance Holdings's current ROE % of 12.73% is 8.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on International General Insurance Holdings and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International General Insurance Holdings's current ROE % is 12.73%, which is 17% below median its own 10-year median of 15.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is International General Insurance Holdings stock overvalued right now?
Based on GuruFocus' analysis, International General Insurance Holdings (IGIC) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.87, compared to a current price of $25.74 — trading 17.7% above its estimated fair value. The current ROE % is 12.73%, which is 17% below median its 10-year median of 15.30 and 8.5% above the Insurance industry median of 11.73. International General Insurance Holdings' overall GF Score™ is 77/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For International General Insurance Holdings (IGIC), the current ROE % is 12.73% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is International General Insurance Holdings (IGIC) Overvalued in 2026?
Based on GuruFocus' analysis, International General Insurance Holdings stock appears to be overvalued.
The current stock price of $25.74 is trading 17.7% above its estimated GF Value™ of $21.87.
GuruFocus considers International General Insurance Holdings to be Modestly Overvalued.
Key valuation signals for IGIC:
ROE %: 12.73% (17% below median its 10-year median of 15.30)
GF Value™: $21.87 vs. price of $25.74 (17.7% above fair value)
Industry Position: 8.5% above the Insurance median (#135 of 502)
No single metric tells the full story. See the IGIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
International General Insurance Holdings Business Description
International General Insurance Holdings Ltd is an international specialty insurance and reinsurance group. It underwrites a diversified portfolio of specialty risks including energy, property, construction and engineering, ports and terminals, general aviation, political violence, professional lines, financial institutions, marine, contingency and treaty reinsurance. The company's operating segments include Specialty Longtail, Specialty Short tail and Reinsurance. The majority of revenue is derived from the Specialty Short-tail segment, which comprises business lines with underwriting risks assumed in the form of property and specialty lines insurance and of short-term nature with respect to related claims.
77GF Score
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