Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/4dc6152b-88ba-4f11-b19d-b057cb7deef9/

IGIC

International General Insurance Holdings Ltd
Chart
27.89 USD
Latest Week 2026-07-17
Financial ServicesInsurance - DiversifiedSMALL
Snapshot 2026-07-12 · 0.9w · Fresh
0.92
OS Score
85.0%
Value
67.0%
Quality
74.0%
Momentum
4/9
F-Score
0.755
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
8 of 23 passing
★
OS Composite
OS 0.920
↗
Trending Value
✗
◆
Quality × Value
QV 0.755
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
11.6%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
10.0%
💰
High Yield
Div 4.9%
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 24%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.75
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
85.0%ile
P/E
9.9×
P/S
2.3×
P/B
1.8×
E/P
0.1155
FCF Yield
0.105
EBITDA/EV
0.116
SH Yield
0.100
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
22.00000000
/100 — 1=cheapest
VC2 (Trending Value)
15.00000000
/100
VC3 (Buyback)
18.00000000
/100
P/E of 9.9x places this firmly in deep value territory. FCF yield of 10.5% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
67.0%ile
ROE
0.186
ROA
0.058
Net Margin
0.235
Op Margin
0.233
GPA
0.130
D/E
2.22
Current
1.34
F-Score
4/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
-0.062
Earn Growth
-0.024
Stability
0.142
lower=better
Accruals
0.006
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 2.22 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
74.0%ile
6M Return
26.9%
12M Return
23.6%
12-1 Mom
10.1%
Risk-Adj
0.42
Vol 252d
23.8%
Vol 60d
54.4%
↑ Expanding
Max DD 12M
-15.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (54%) is expanding vs long-term (24%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.92
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
59.5%
Sector Quality %ile
37.5%
P/E z-score
-0.24
P/B z-score
-0.03
Sector Avg OS
85.7%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BAP Credicorp Ltd 99.0% 97.0% 96.0% 86.0%
RILY BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 92.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 89.0% 81.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 87.0% 97.0%
CARE Carter Bank and Trust 99.0% 96.0% 95.0% 92.0%
HG Hamilton Insurance Group, Ltd. 98.0% 97.0% 81.0% 85.0%
VBNK VersaBank 98.0% 94.0% 74.0% 93.0%
IX Orix Corp Ads 98.0% 98.0% 82.0% 85.0%
Factor Interactions
Trending Value Signal
Cheap (85th value) with strong momentum (74th). The market is starting to recognise the value.
Strong Capital Return
Shareholder yield 10.0% backed by 10.5% FCF yield. Returns are well-funded.
Leveraged Returns
Strong ROE (19%) boosted by high leverage (D/E 2.2). Returns look good but come with balance sheet risk.
Volatility Expanding
60-day vol (54%) significantly exceeds 252-day (24%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
83.0% avg (7 factors)
Quality
C
52.4% avg (8 factors)
Momentum
C
53.2% avg (4 factors)
Risk
A
76.9% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends6 snapshots
Factor Persistence6 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.920—6—
Value %ile0.850—6—
Quality %ile0.670—0—
Momentum %ile0.740—1—
F-Score4.000—6—
Confidence0.980—6—
Volatility0.238—0—
Value Lens2021-07-13 → 2026-07-12
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
9.88
Earnings Yield (E/P)
0.1155
Price / Sales
2.32
Price / Book
1.84
Price / Cash Flow
11.12
FCF Yield
10.5%
EBITDA / EV
11.6%
Sales Yield (1/P·S)
0.4959
Shareholder Yield
Div + net buyback / mktcap
10.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
18.6%
Return on Assets
5.8%
Net Margin
23.5%
Operating Margin
23.3%
Gross Profit / Assets
Novy-Marx GPA
13.0%
Debt / Equity
2.22
Current Ratio
1.34
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.006
External Financing
Net issuance — lower=better
0.030
MomentumPrice trend strength over different horizons
6M Return
26.9%
12M Return
23.6%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
10.1%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.42
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
-6.2%
Earnings Growth (YoY)
-2.4%
Earnings Stability (CV)
Lower = more stable
0.142
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
4
Dividend Yield
4.9%
Buyback Yield
5.1%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
22
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
15
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
18
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity