International General Insurance Holdings Ltd. (IGIC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Revenue | 126.4M | 122.5M | 142.97M | 136.2M | 122.35M | 145M | 135.2M | 123.7M | 131.78M | 94.8M | 131.7M | 119.3M | 154.42M | 95.6M | 94.3M | 87.1M | 116.38M | 95.5M | 94.77M | 81.8M |
| Revenue Growth % | 3.31% | -15.52% | 5.75% | 10.11% | -7.16% | 52.95% | 2.66% | 3.69% | -14.66% | -0.84% | 39.66% | 36.97% | 32.68% | 0.1% | -0.5% | 6.48% | 14.39% | 25.66% | 24.7% | - |
| Medical Costs & Claims | 46.9M | 63.3M | 79.92M | 84.9M | 71.85M | 84.7M | 76.5M | 62.5M | 71.36M | 59.2M | 68.2M | 65.3M | 105.86M | 54.4M | 55.7M | 45.6M | 78.59M | 64.5M | 74.2M | 54.7M |
| Medical Cost Ratio % | 37.1% | 51.67% | 55.9% | 62.33% | 58.72% | 58.41% | 56.58% | 50.53% | 54.15% | 62.45% | 51.78% | 54.74% | 68.55% | 56.9% | 59.07% | 52.35% | 67.53% | 67.54% | 78.29% | 66.87% |
| Gross Profit | 79.5M | 59.2M | 63.05M | 51.3M | 50.5M | 60.3M | 58.7M | 61.2M | 60.42M | 35.6M | 63.5M | 54M | 48.56M | 41.2M | 38.6M | 41.5M | 37.79M | 31M | 20.57M | 27.1M |
| Gross Margin % | 62.9% | 48.33% | 44.1% | 37.67% | 41.28% | 41.59% | 43.42% | 49.47% | 45.85% | 37.55% | 48.22% | 45.26% | 31.45% | 43.1% | 40.93% | 47.65% | 32.47% | 32.46% | 21.71% | 33.13% |
| Gross Profit Growth % | 57.41% | -1.82% | 7.41% | -16.18% | -16.41% | 69.38% | -7.56% | 13.33% | 24.43% | -13.59% | 64.51% | 30.12% | 28.5% | 32.9% | 87.61% | 53.14% | 42.45% | 62.3% | -34.05% | - |
| Operating Expenses | 48.8M | 26.1M | 28.32M | 22.6M | 24.81M | 24.7M | 25.1M | 23.8M | 25.77M | 23.3M | 20.6M | 17.7M | 21.03M | 17.8M | 16.9M | 18.4M | 28.25M | 15.4M | 16.02M | 15.6M |
| OpEx / Revenue % | 38.61% | 21.31% | 19.81% | 16.59% | 20.28% | 17.03% | 18.57% | 19.24% | 19.56% | 24.58% | 15.64% | 14.84% | 13.62% | 18.62% | 17.92% | 21.13% | 24.27% | 16.13% | 16.9% | 19.07% |
| Depreciation & Amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Combined Ratio % | 75.71% | 72.98% | 75.71% | 78.93% | 79% | 75.45% | 75.15% | 69.77% | 73.71% | 87.03% | 67.43% | 69.57% | 82.17% | 75.52% | 76.99% | 73.48% | 91.8% | 83.66% | 95.19% | 85.94% |
| Operating Income | 30.7M | 33.1M | 34.72M | 28.7M | 25.69M | 35.6M | 33.6M | 37.4M | 34.65M | 12.3M | 42.9M | 36.3M | 27.53M | 23.4M | 21.7M | 23.1M | 9.54M | 15.6M | 4.56M | 11.5M |
| Operating Margin % | 24.29% | 27.02% | 24.29% | 21.07% | 21% | 24.55% | 24.85% | 30.23% | 26.29% | 12.97% | 32.57% | 30.43% | 17.83% | 24.48% | 23.01% | 26.52% | 8.2% | 16.34% | 4.81% | 14.06% |
| Operating Income Growth % | 19.5% | -7.02% | 3.35% | -23.26% | -25.85% | 189.43% | -21.68% | 3.03% | 25.87% | -47.44% | 97.7% | 57.14% | 188.45% | 50% | 376.09% | 100.87% | -20.1% | 168.97% | -64.94% | - |
| EBITDA | 30.7M | 33.1M | 34.72M | 28.7M | 25.69M | 35.6M | 33.6M | 37.4M | 34.65M | 12.3M | 42.9M | 36.3M | 27.53M | 23.4M | 21.7M | 23.1M | 9.54M | 15.6M | 4.56M | 11.5M |
| EBITDA Margin % | 24.29% | 27.02% | 24.29% | 21.07% | 21% | 24.55% | 24.85% | 30.23% | 26.29% | 12.97% | 32.57% | 30.43% | 17.83% | 24.48% | 23.01% | 26.52% | 8.2% | 16.34% | 4.81% | 14.06% |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pretax Income | 30.7M | 33.1M | 34.72M | 28.7M | 25.69M | 35.6M | 33.6M | 37.4M | 34.65M | 12.3M | 42.9M | 36.3M | 27.53M | 23.4M | 21.7M | 23.1M | 9.54M | 15.6M | 4.56M | 11.5M |
| Pretax Margin % | 24.29% | 27.02% | 24.29% | 21.07% | 21% | 24.55% | 24.85% | 30.23% | 26.29% | 12.97% | 32.57% | 30.43% | 17.83% | 24.48% | 23.01% | 26.52% | 8.2% | 16.34% | 4.81% | 14.06% |
| Income Tax | -1.6M | -400K | 578K | 1.4M | -4.36M | 1.1M | 800K | -500K | 1.65M | 1.4M | 2.4M | 2.4M | 1.86M | 800K | -300K | 900K | 347K | -500K | 632K | 1.3M |
| Effective Tax Rate % | -5.21% | -1.21% | 1.66% | 4.88% | -16.97% | 3.09% | 2.38% | -1.34% | 4.77% | 11.38% | 5.59% | 6.61% | 6.76% | 3.42% | -1.38% | 3.9% | 3.64% | -3.21% | 13.87% | 11.3% |
| Net Income | 32.3M | 33.5M | 34.15M | 27.3M | 30.05M | 34.5M | 32.8M | 37.9M | 32.99M | 10.9M | 40.5M | 33.9M | 25.66M | 22.6M | 22M | 22.2M | 9.2M | 16.1M | 3.93M | 10.2M |
| Net Margin % | 25.55% | 27.35% | 23.88% | 20.04% | 24.56% | 23.79% | 24.26% | 30.64% | 25.04% | 11.5% | 30.75% | 28.42% | 16.62% | 23.64% | 23.33% | 25.49% | 7.9% | 16.86% | 4.14% | 12.47% |
| Net Income Growth % | 7.48% | -2.9% | 4.1% | -27.97% | -8.92% | 216.51% | -19.01% | 11.8% | 28.56% | -51.77% | 84.09% | 52.7% | 179.09% | 40.37% | 460.37% | 117.65% | -16.16% | 215.69% | -67.28% | - |
| EPS (Diluted) | 0.76 | 0.75 | 0.77 | 0.59 | 0.65 | 0.75 | 0.73 | 0.84 | 0.72 | 0.24 | 0.88 | 0.71 | 0.53 | 0.41 | 0.48 | 0.43 | 0.19 | 0.31 | 0.11 | 0.21 |
| EPS Growth % | 16.92% | 0% | 5.48% | -29.76% | -9.72% | 212.5% | -17.05% | 18.31% | 35.85% | -41.46% | 83.33% | 65.12% | 178.95% | 32.26% | 336.36% | 104.76% | -13.64% | 210% | -56% | - |
| EPS (Basic) | 0.76 | 0.74 | 0.75 | 0.59 | 0.65 | 0.75 | 0.73 | 0.84 | 0.72 | 0.24 | 0.88 | 0.71 | 0.53 | 0.41 | 0.48 | 0.43 | 0.19 | 0.31 | 0.11 | 0.21 |
| Diluted Shares Outstanding | 42.7M | 44.4M | 44.4M | 45.3M | 46.2M | 45.8M | 44M | 44.3M | 43.1M | 43M | 43.1M | 44.4M | 45.2M | 45.6M | 45.6M | 45.6M | 45.5M | 45.5M | 45.5M | 45.5M |