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International General Insurance
International General Insurance (IGIC) investor relations material
International General Insurance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
Achieved net income of $127.2 million for FY2025, with Q4 net income at $32.3 million, reflecting strong underwriting and investment results despite a 5.9% year-over-year decrease due to lower underwriting income and earned premiums.
Book value per share increased 13.9% to $16.91 at year-end 2025.
Returned over $108 million to shareholders via dividends and share repurchases, including a special dividend for the third consecutive year.
Combined ratio for FY2025 was 85.9%, above the 10-year average, impacted by higher catastrophe losses and lower net premiums earned.
Maintained a disciplined, profitability-driven culture and strategic cycle management, supporting long-term value creation.
Financial highlights
Gross written premiums for FY2025 were $666.7 million, down from $700.1 million in FY2024, mainly due to non-renewal in the Specialty Long-tail segment.
Net premiums earned for FY2025 were $453.8 million, down from $483.1 million in 2024.
Net investment income rose 12% year-over-year to $60.4 million for FY2025.
Diluted EPS was $2.89 for FY2025, compared to $2.98 in 2024.
Core operating income was $114.9 million for FY2025, down from $144.8 million in 2024.
Outlook and guidance
Expect some contraction in top line in areas where profitability targets are not met, but remain focused on maintaining margins and disciplined underwriting.
Focus on growth in U.S. business from London/Bermuda, especially specialty treaty reinsurance and short-tail lines, and continued expansion in Asia Pacific and MENA regions.
Cautiously optimistic for improvement or stabilization in long tail segment in 2026.
Continued focus on organic growth, with no significant M&A planned.
Prudent capital management prioritizing profitable underwriting and returning excess capital to shareholders.
What was the GWP impact of the Specialty Long-tail binder non-renewal?
Shareholder return breakdown and remaining authorization
Drivers of full-year 2025 expense ratio increase
Explain the rationale for avoiding US liability business
Detail the MGA growth strategy and its contribution
Status of the 5M share repurchase authorization?
Outlook for property/energy market rates?
Long-tail portfolio growth drivers for 2026?
Capital allocation strategy post S&P upgrade?
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Next International General Insurance earnings date
Q1 20266 May, 2026
International General Insurance
Next International General Insurance earnings date
Q1 20266 May, 2026
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Frequently asked questions
International General Insurance Holdings Ltd. (IGI) is a global provider of specialty insurance and reinsurance solutions. Founded in 2001 and headquartered in Amman, Jordan, the company operates across a wide range of specialty markets. IGI's underwriting portfolio includes diverse sectors such as energy, property, construction and engineering, ports and terminals, general aviation, political violence, professional lines, financial institutions, marine, casualty reinsurance, and more. IGI's shares are listed on the Nasdaq.
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