Value
9.1/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 9.2 |
| P/S | 8.9 |
| EV/EBITDA | 7.6 |
| Fwd P/E | 9.6 |
| PEG | 9.2 |
- ▸Forward P/E: 8.1x
- ▸PEG: 0.63
- ▸Attractively valued
IGIC · Why this verdict
Why International General Insurance (IGIC) is rated SELL
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictSELL
Overall score5.5/10
ConfidenceMEDIUM
MacroRISK_OFF
Per-dimension breakdown
Quality
5.6/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 6.2 |
| ROA | 2.4 |
| Gross margin | 5.0 |
| Op margin | 7.8 |
| Net margin | 10.0 |
| Current ratio | 2.6 |
| Moat | 4.9 |
| Piotroski F | 5.6 |
- ▸Strong margins: 24%
- ▸No competitive moat
Growth
3.2/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 1.9 |
| EPS growth | 4.6 |
- ▸Declining revenue: -3%
Momentum
6.4/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 5.5 |
| MACD | 7.3 |
| OBV | 10.0 |
| MA position | 9.0 |
| Volume | 0.0 |
- ▸Volume accumulation (rising OBV)
- ▸Above 200-day MA
Sentiment
5.5/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 5.0 |
| Price target | 7.5 |
| erm sentiment | 3.7 |
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.0 |
- ▸No net insider activity — $0 (0.000% of mkt cap)
Peer rank
5.1/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 5.1 |
| quality rank | 6.3 |
| growth rank | 4.2 |
Technical
4.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 2.2 |
| support resistance | 3.2 |
| 52w position | 8.6 |
Risk (lower is worse)
5.9/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 9.4 |
| days to cover | 7.3 |
| volatility | 6.5 |
| put call | 0.0 |
| implied vol | 4.8 |
| max pain risk | 3.0 |
| beta | 10.0 |
- ▸Elevated put/call: 5.00
- ▸Above max pain $15
Catalyst
2.8/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 3.5 |
| earnings history | 0.0 |
| earnings timing | 5.0 |
| surprise avg | 0.1 |
| dividend safety | 5.2 |
- ▸Earnings concerns: 1B/3M
- ▸Dividend: 117.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more. | News modifier -2 (HOLD_IF_HOLDING → SELL_IF_HOLDING).
Engine technical detail
verdict_path:
L4:PATH_F_HOLD|L3:NEWS_MOD=-2Passed (7)
- MOMENTUM:6.4>=5.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:57d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- ASYMMETRY:0.1<1.5@spot
Warning (0)
none
Reward-to-Risk
0.08
Upside
+0.4%
Downside
5.0%
Sizing output
AVOID
SetupBREAKOUT — Golden cross, above all MAs, RSI 52, MACD bullish
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — MCap $1.1B<$5B
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: MOMENTUM:6.4>=5.5. Top dim: Value at 9.1; weakest: Catalyst at 2.8. No conviction either direction.
The strongest dimensions are Value at 9.1, Momentum at 6.4, and Risk (lower is worse) at 5.9; the weakest are Catalyst at 2.8, Growth at 3.2, and Technical at 4.7. The V9 engine flagged 1 failed gate, producing an asymmetric reward-to-risk of 0.08 and an engine sizing output of AVOID.