IA FINANCIAL CORP INC (IAG.CA) Fundamental Analysis & Valuation

TSX:IAG • CA45075E1043

Current stock price

174.16 CAD
+0.13 (+0.07%)
Last:

This IAG.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. IAG.CA Profitability Analysis

1.1 Basic Checks

  • In the past year IAG was profitable.
  • IAG had a positive operating cash flow in the past year.
  • In the past 5 years IAG has always been profitable.
  • In the past 5 years IAG always reported a positive cash flow from operatings.
IAG.CA Yearly Net Income VS EBIT VS OCF VS FCFIAG.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B -2B

1.2 Ratios

  • IAG's Return On Assets of 0.86% is fine compared to the rest of the industry. IAG outperforms 65.82% of its industry peers.
  • IAG has a Return On Equity of 12.74%. This is in the better half of the industry: IAG outperforms 67.09% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 12.74%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.76%
ROE(3y)12.09%
ROE(5y)10.41%
ROIC(3y)N/A
ROIC(5y)N/A
IAG.CA Yearly ROA, ROE, ROICIAG.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • IAG's Profit Margin of 10.04% is in line compared to the rest of the industry. IAG outperforms 46.84% of its industry peers.
  • In the last couple of years the Profit Margin of IAG has grown nicely.
  • IAG has a Operating Margin of 13.32%. This is in the lower half of the industry: IAG underperforms 78.48% of its industry peers.
  • IAG's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 13.32%
PM (TTM) 10.04%
GM N/A
OM growth 3Y28.34%
OM growth 5YN/A
PM growth 3Y27.92%
PM growth 5Y18.54%
GM growth 3YN/A
GM growth 5YN/A
IAG.CA Yearly Profit, Operating, Gross MarginsIAG.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10

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5

2. IAG.CA Health Analysis

2.1 Basic Checks

  • IAG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for IAG has been reduced compared to 1 year ago.
  • The number of shares outstanding for IAG has been reduced compared to 5 years ago.
  • Compared to 1 year ago, IAG has an improved debt to assets ratio.
IAG.CA Yearly Shares OutstandingIAG.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
IAG.CA Yearly Total Debt VS Total AssetsIAG.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • IAG has a debt to FCF ratio of 0.71. This is a very positive value and a sign of high solvency as it would only need 0.71 years to pay back of all of its debts.
  • The Debt to FCF ratio of IAG (0.71) is better than 81.01% of its industry peers.
  • IAG has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.18, IAG belongs to the best of the industry, outperforming 91.14% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.71
Altman-Z N/A
ROIC/WACCN/A
WACC7.57%
IAG.CA Yearly LT Debt VS Equity VS FCFIAG.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

2.3 Liquidity

  • A Current Ratio of 0.07 indicates that IAG may have some problems paying its short term obligations.
  • With a decent Current ratio value of 0.07, IAG is doing good in the industry, outperforming 63.29% of the companies in the same industry.
  • IAG has a Quick Ratio of 0.07. This is a bad value and indicates that IAG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Quick ratio value of 0.07, IAG is doing good in the industry, outperforming 63.29% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.07
Quick Ratio 0.07
IAG.CA Yearly Current Assets VS Current LiabilitesIAG.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. IAG.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.22% over the past year.
  • The Earnings Per Share has been growing by 15.14% on average over the past years. This is quite good.
  • Looking at the last year, IAG shows a quite strong growth in Revenue. The Revenue has grown by 11.25% in the last year.
  • The Revenue has been decreasing by -5.94% on average over the past years.
EPS 1Y (TTM)16.22%
EPS 3Y13.59%
EPS 5Y15.14%
EPS Q2Q%1.97%
Revenue 1Y (TTM)11.25%
Revenue growth 3Y17.64%
Revenue growth 5Y-5.94%
Sales Q2Q%-91.23%

3.2 Future

  • IAG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.02% yearly.
  • IAG is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -21.22% yearly.
EPS Next Y8.5%
EPS Next 2Y9.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-41%
Revenue Next 2Y-21.22%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
IAG.CA Yearly Revenue VS EstimatesIAG.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B
IAG.CA Yearly EPS VS EstimatesIAG.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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3

4. IAG.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.43 indicates a correct valuation of IAG.
  • IAG's Price/Earnings ratio is a bit more expensive when compared to the industry. IAG is more expensive than 69.62% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.54. IAG is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 12.38 indicates a correct valuation of IAG.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of IAG indicates a slightly more expensive valuation: IAG is more expensive than 67.09% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of IAG to the average of the S&P500 Index (21.68), we can say IAG is valued slightly cheaper.
Industry RankSector Rank
PE 13.43
Fwd PE 12.38
IAG.CA Price Earnings VS Forward Price EarningsIAG.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IAG indicates a somewhat cheap valuation: IAG is cheaper than 65.82% of the companies listed in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as IAG.
Industry RankSector Rank
P/FCF 7.45
EV/EBITDA 8.68
IAG.CA Per share dataIAG.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.58
PEG (5Y)0.89
EPS Next 2Y9.02%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. IAG.CA Dividend Analysis

5.1 Amount

  • IAG has a Yearly Dividend Yield of 2.25%.
  • Compared to an average industry Dividend Yield of 3.61, IAG's dividend is way lower than its industry peers. On top of this 87.34% of the companies listed in the same industry pay a better dividend than IAG!
  • IAG's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.25%

5.2 History

  • On average, the dividend of IAG grows each year by 15.22%, which is quite nice.
  • IAG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • IAG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)15.22%
Div Incr Years12
Div Non Decr Years19
IAG.CA Yearly Dividends per shareIAG.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 38.37% of the earnings are spent on dividend by IAG. This is a low number and sustainable payout ratio.
  • The dividend of IAG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.37%
EPS Next 2Y9.02%
EPS Next 3YN/A
IAG.CA Yearly Income VS Free CF VS DividendIAG.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B 2B
IAG.CA Dividend Payout.IAG.CA Dividend Payout, showing the Payout Ratio.IAG.CA Dividend Payout.PayoutRetained Earnings

More info and screens

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IAG.CA Fundamentals: All Metrics, Ratios and Statistics

IA FINANCIAL CORP INC

TSX:IAG (4/29/2026, 7:00:00 PM)

174.16

+0.13 (+0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength40.94
Industry Growth44.03
Earnings (Last)02-17
Earnings (Next)05-05
Inst Owners48.27%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap15.70B
Revenue(TTM)10.48B
Net Income(TTM)1.05B
Analysts70
Price Target181.12 (4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.25%
Yearly Dividend4.36
Dividend Growth(5Y)15.22%
DP38.37%
Div Incr Years12
Div Non Decr Years19
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.53%
Min EPS beat(2)-6.3%
Max EPS beat(2)5.25%
EPS beat(4)3
Avg EPS beat(4)4.21%
Min EPS beat(4)-6.3%
Max EPS beat(4)12.8%
EPS beat(8)7
Avg EPS beat(8)5.55%
EPS beat(12)9
Avg EPS beat(12)3.23%
EPS beat(16)12
Avg EPS beat(16)2.86%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0.97%
EPS NQ rev (1m)-1.11%
EPS NQ rev (3m)-1.93%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 13.43
Fwd PE 12.38
P/S 1.5
P/FCF 7.45
P/OCF 6.71
P/B 1.9
P/tB 3.75
EV/EBITDA 8.68
EPS(TTM)12.97
EY7.45%
EPS(NY)14.07
Fwd EY8.08%
FCF(TTM)23.37
FCFY13.42%
OCF(TTM)25.95
OCFY14.9%
SpS116.34
BVpS91.72
TBVpS46.48
PEG (NY)1.58
PEG (5Y)0.89
Graham Number163.606 (-6.06%)
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 12.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 13.32%
PM (TTM) 10.04%
GM N/A
FCFM 20.09%
ROA(3y)0.84%
ROA(5y)0.76%
ROE(3y)12.09%
ROE(5y)10.41%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)1.17%
ROCE(5y)1.3%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y28.34%
OM growth 5YN/A
PM growth 3Y27.92%
PM growth 5Y18.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.71
Debt/EBITDA 0.85
Cap/Depr 65.08%
Cap/Sales 2.22%
Interest Coverage 19.68
Cash Conversion 133.28%
Profit Quality 200%
Current Ratio 0.07
Quick Ratio 0.07
Altman-Z N/A
F-Score5
WACC7.57%
ROIC/WACCN/A
Cap/Depr(3y)82.61%
Cap/Depr(5y)72.93%
Cap/Sales(3y)2.87%
Cap/Sales(5y)2.92%
Profit Quality(3y)139.74%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.22%
EPS 3Y13.59%
EPS 5Y15.14%
EPS Q2Q%1.97%
EPS Next Y8.5%
EPS Next 2Y9.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.25%
Revenue growth 3Y17.64%
Revenue growth 5Y-5.94%
Sales Q2Q%-91.23%
Revenue Next Year-41%
Revenue Next 2Y-21.22%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y7.79%
EBIT growth 3Y50.97%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y176.02%
FCF growth 3Y86.24%
FCF growth 5Y4.59%
OCF growth 1Y124.69%
OCF growth 3Y56.26%
OCF growth 5Y4.69%

IA FINANCIAL CORP INC / IAG.CA Fundamental Analysis FAQ

What is the fundamental rating for IAG stock?

ChartMill assigns a fundamental rating of 4 / 10 to IAG.CA.


What is the valuation status of IA FINANCIAL CORP INC (IAG.CA) stock?

ChartMill assigns a valuation rating of 3 / 10 to IA FINANCIAL CORP INC (IAG.CA). This can be considered as Overvalued.


Can you provide the profitability details for IA FINANCIAL CORP INC?

IA FINANCIAL CORP INC (IAG.CA) has a profitability rating of 4 / 10.


How financially healthy is IA FINANCIAL CORP INC?

The financial health rating of IA FINANCIAL CORP INC (IAG.CA) is 5 / 10.


Can you provide the expected EPS growth for IAG stock?

The Earnings per Share (EPS) of IA FINANCIAL CORP INC (IAG.CA) is expected to grow by 8.5% in the next year.