IGI Ltd
IGI.PSX operates in the property and casualty insurance sector, providing insurance products and services to customers in Pakistan.
Business. IGI.PSX is a property and casualty insurance company listed on the Pakistan Stock Exchange. The firm operates within the financials sector, specifically focusing on insurance activities. As detailed segment and geographic data are unavailable, the company is described at the industry level. Its primary listing is under the ticker IGI.PSX.
At a glance
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
IGI.PSX is a property and casualty insurance company listed on the Pakistan Stock Exchange. The firm operates within the financials sector, specifically focusing on insurance activities. As detailed segment and geographic data are unavailable, the company is described at the industry level. Its primary listing is under the ticker IGI.PSX.
IGI.PSX maintains a conservative capital structure with a debt-to-equity ratio of 0.05, indicating minimal leverage. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. Free cash flow of PKR 4.06 billion suggests the company generates sufficient cash to support operations and potentially fund growth initiatives.
Profitability metrics show a return on equity of 7.51% and a return on assets of 3.52%. These figures are below the industry median for property and casualty insurers, which typically report ROE in the 10-15% range and ROA in the 4-6% range. The company's operating income of PKR 3.53 billion and net income of PKR 5.23 billion indicate a healthy bottom-line performance, but the operating cash flow of PKR -1.96 billion raises concerns about short-term liquidity.
The company's revenue is concentrated in its domestic market, with no disclosed international operations. This geographic concentration increases exposure to local economic and regulatory risks. No segment-specific revenue breakdown is available, but the company's primary business is property and casualty insurance.
Looking ahead, the company is expected to maintain its current revenue trajectory, with no significant growth or contraction projected in the next fiscal year. The operating income and net income figures suggest a stable performance, but the negative operating cash flow indicates potential liquidity challenges.
The risk assessment highlights a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt is a key flag, suggesting potential short-term liquidity constraints. No recent dilutive events are reported, and the company's capital structure remains relatively stable.
Recent filings and transcripts do not indicate any major strategic shifts or operational disruptions. The company continues to focus on its core insurance operations, with no significant new product launches or market expansions disclosed.
- IGI.PSX maintains a conservative capital structure with a low debt-to-equity ratio of 0.05.
- The company's return on equity of 7.51% is below the industry median for property and casualty insurers.
- IGI.PSX generates positive free cash flow of PKR 4.06 billion, supporting operational flexibility.
- The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt.
- Revenue is concentrated in the domestic market, increasing exposure to local economic and regulatory risks.
Bull / Bear case
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Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- IGI.PSX Market data — financials · 2026-05-28
Ownership & reference
Top holders
- Institutional Investor · as of 2026-03-310,00 %$0M