📊 INTG Key Takeaways
Is Intergroup Corp. (INTG) a Good Investment?
INTG faces severe financial distress with negative shareholders' equity of -$84.7M and interest coverage of only 0.9x, indicating the company cannot service its $230.6M debt burden from operating income. Despite modest revenue growth and reasonable operating margins, the company's minimal free cash flow ($884K) and overleveraged balance sheet present existential solvency risks.
Intergroup shows modest top-line growth and positive operating income, but the quality of that growth is weak given thin net margins, negative operating and free cash flow, and interest coverage below 1x. The balance sheet is severely impaired with negative equity and very high leverage, leaving little room for operational setbacks or higher financing costs.
Intergroup Corp. Key Strengths (INTG)
- Revenue growth of 10.7% YoY demonstrates operational demand in apartment segment
- Operating margin of 16.2% shows reasonable operational efficiency typical of real estate
- Positive operating cash flow of $2.7M and minimal positive net income
- Revenue grew 10.7% year over year, indicating some operating momentum
- Operating income remained positive with a 13.5% operating margin
- Net income improved 29.1% year over year, showing reported earnings progress
INTG Stock Risks: Intergroup Corp. Investment Risks
- Interest coverage of 0.9x - operating income insufficient to cover interest expense, indicating debt service stress
- Negative shareholders' equity of -$84.7M represents balance sheet insolvency
- Extremely high leverage with $230.6M long-term debt against only $103.5M total assets and $9.3M cash
- Free cash flow of only $884K provides no cushion for debt reduction or economic downturns
- Net margin of 2.6% despite 16.2% operating margin indicates heavy non-operating expense burden
- Vulnerable to rising interest rates or operational disruptions given minimal financial flexibility
- Negative stockholders equity signals a deeply stressed balance sheet
- Interest coverage of 0.7x suggests earnings are insufficient to comfortably service debt
- Negative operating cash flow and free cash flow indicate weak cash generation despite reported profitability
Key Metrics to Watch
- Interest coverage ratio - must improve above 1.5x for sustainability
- Operating cash flow trends - critical for debt service capacity
- Debt refinancing activity and maturity schedule - rollover/default risks
- Net operating income and occupancy rates - direct impact on cash generation
- Operating cash flow and free cash flow sustainability
- Interest coverage and total debt reduction
Intergroup Corp. (INTG) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 1.6% FCF margin may limit capital allocation flexibility. The current ratio below 1.0x warrants monitoring of short-term liquidity.
INTG Profit Margin, ROE & Profitability Analysis
INTG vs Market Sector: How Intergroup Corp. Compares
How Intergroup Corp. compares to Market sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Intergroup Corp. Stock Overvalued? INTG Valuation Analysis 2026
Based on fundamental analysis, Intergroup Corp. has mixed fundamental signals relative to the Market sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Intergroup Corp. Balance Sheet: INTG Debt, Cash & Liquidity
INTG Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Intergroup Corp.'s revenue has declined by 14% over the 5-year period, indicating business contraction. The most recent EPS of $4.06 reflects profitable operations.
INTG Revenue Growth, EPS Growth & YoY Performance
INTG Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2026 | $16.8M | $457.0K | $0.21 |
| Q2 2026 | $14.4M | $980.0K | $0.46 |
| Q1 2026 | $16.9M | -$398.0K | $-0.18 |
| Q3 2025 | $14.9M | -$578.0K | $-0.27 |
| Q2 2025 | $14.3M | -$1.5M | $-0.69 |
| Q1 2025 | $15.5M | -$398.0K | $-0.18 |
| Q3 2024 | $14.4M | -$356.0K | N/A |
| Q2 2024 | $13.9M | -$1.5M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Intergroup Corp. Dividends, Buybacks & Capital Allocation
INTG SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Intergroup Corp. (CIK: 0000069422)
📋 Recent SEC Filings
❓ Frequently Asked Questions about INTG
What is the AI rating for INTG?
Intergroup Corp. (INTG) has a Combined AI Grade of D from Claude (D) and ChatGPT (D) with 88% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are INTG's key strengths?
Claude: Revenue growth of 10.7% YoY demonstrates operational demand in apartment segment. Operating margin of 16.2% shows reasonable operational efficiency typical of real estate. ChatGPT: Revenue grew 10.7% year over year, indicating some operating momentum. Operating income remained positive with a 13.5% operating margin.
What are the risks of investing in INTG?
Claude: Interest coverage of 0.9x - operating income insufficient to cover interest expense, indicating debt service stress. Negative shareholders' equity of -$84.7M represents balance sheet insolvency. ChatGPT: Negative stockholders equity signals a deeply stressed balance sheet. Interest coverage of 0.7x suggests earnings are insufficient to comfortably service debt.
What is INTG's revenue and growth?
Intergroup Corp. reported revenue of $55.6M.
Does INTG pay dividends?
Intergroup Corp. does not currently pay dividends.
Where can I find INTG SEC filings?
Official SEC filings for Intergroup Corp. (CIK: 0000069422) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is INTG's EPS?
Intergroup Corp. has a diluted EPS of $0.67.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is INTG's fundamental grade?
Based on our AI fundamental analysis in June 2026, Intergroup Corp. has a D grade with 88% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is INTG stock overvalued or undervalued?
Valuation metrics for INTG: ROE of N/A (sector avg: 15%), net margin of 2.6% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
What is INTG's AI grade for 2026?
Our dual AI analysis gives Intergroup Corp. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is INTG's free cash flow?
Intergroup Corp.'s operating cash flow is $2.7M, with capital expenditures of $1.8M. FCF margin is 1.6%.
How does INTG compare to other Market stocks?
Vs Default sector averages: Net margin 2.6% (avg: 12%), ROE N/A (avg: 15%), current ratio N/A (avg: 1.8).