IA FINANCIAL CORP INC (IAG.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IAG - CA45075E1043 - Common Stock
177.86 CAD
-0.94 (-0.53%)
We assign a fundamental rating of 4 out of 10 to IAG. IAG was compared to 79 industry peers in the Insurance industry. IAG has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, IAG is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
IAG had positive earnings in the past year.
In the past year IAG had a positive cash flow from operations.
IAG had positive earnings in each of the past 5 years.
IAG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IAG has a Return On Assets of 0.91%. This is in the better half of the industry: IAG outperforms 73.42% of its industry peers.
The Return On Equity of IAG (13.13%) is better than 74.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 13.13% | ||
| ROIC | N/A |
ROA(3y)0.68%
ROA(5y)0.73%
ROE(3y)9.29%
ROE(5y)9.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 10.87%, IAG is in line with its industry, outperforming 46.84% of the companies in the same industry.
IAG's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 14.21%, IAG is not doing good in the industry: 86.08% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of IAG has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.21% | ||
| PM (TTM) | 10.87% | ||
| GM | N/A |
OM growth 3Y-0.81%
OM growth 5YN/A
PM growth 3Y25.59%
PM growth 5Y11.46%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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.
The debt/assets ratio for IAG is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of IAG is 2.60, which is a good value as it means it would take IAG, 2.60 years of fcf income to pay off all of its debts.
IAG's Debt to FCF ratio of 2.60 is in line compared to the rest of the industry. IAG outperforms 46.84% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that IAG is not too dependend on debt financing.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.29%
2.3 Liquidity
IAG has a Current Ratio of 0.09. This is a bad value and indicates that IAG is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of IAG (0.09) is comparable to the rest of the industry.
A Quick Ratio of 0.09 indicates that IAG may have some problems paying its short term obligations.
IAG has a Quick ratio (0.09) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 |
3. Growth
3.1 Past
IAG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.42%, which is quite impressive.
The Earnings Per Share has been growing by 12.19% on average over the past years. This is quite good.
IAG shows a small growth in Revenue. In the last year, the Revenue has grown by 7.96%.
The Revenue has been decreasing by -4.44% on average over the past years.
EPS 1Y (TTM)23.42%
EPS 3Y10.28%
EPS 5Y12.19%
EPS Q2Q%18.43%
Revenue 1Y (TTM)7.96%
Revenue growth 3Y-16.95%
Revenue growth 5Y-4.44%
Sales Q2Q%3.8%
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 11.36% yearly.
Based on estimates for the next years, IAG will show a quite strong growth in Revenue. The Revenue will grow by 11.27% on average per year.
EPS Next Y19.02%
EPS Next 2Y12.58%
EPS Next 3Y11.36%
EPS Next 5YN/A
Revenue Next Year121.94%
Revenue Next 2Y14.43%
Revenue Next 3Y11.27%
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 stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.78, the valuation of IAG can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of IAG indicates a rather expensive valuation: IAG more expensive than 91.14% of the companies listed in the same industry.
IAG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.92.
A Price/Forward Earnings ratio of 12.57 indicates a correct valuation of IAG.
67.09% of the companies in the same industry are cheaper than IAG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of IAG to the average of the S&P500 Index (23.46), we can say IAG is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.78 | ||
| Fwd PE | 12.57 |
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 64.56% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, IAG is valued more expensive than 98.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.45 | ||
| EV/EBITDA | 9.15 |
4.3 Compensation for Growth
IAG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.72
PEG (5Y)1.13
EPS Next 2Y12.58%
EPS Next 3Y11.36%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.23%, IAG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.35, IAG's dividend is way lower than its industry peers. On top of this 89.87% of the companies listed in the same industry pay a better dividend than IAG!
Compared to an average S&P500 Dividend Yield of 2.00, IAG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
5.2 History
The dividend of IAG is nicely growing with an annual growth rate of 13.14%!
IAG has paid a dividend for at least 10 years, which is a reliable track record.
IAG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)13.14%
Div Incr Years11
Div Non Decr Years18
5.3 Sustainability
IAG pays out 35.20% of its income as dividend. This is a sustainable payout ratio.
The dividend of IAG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP35.2%
EPS Next 2Y12.58%
EPS Next 3Y11.36%
TSX:IAG (12/24/2025, 7:00:00 PM)
177.86
-0.94 (-0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners47.67%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap16.36B
Revenue(TTM)10.04B
Net Income(TTM)1.09B
Analysts73.33
Price Target178.06 (0.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
Yearly Dividend3.61
Dividend Growth(5Y)13.14%
DP35.2%
Div Incr Years11
Div Non Decr Years18
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.02%
Min EPS beat(2)5.25%
Max EPS beat(2)12.8%
EPS beat(4)4
Avg EPS beat(4)7.68%
Min EPS beat(4)5.09%
Max EPS beat(4)12.8%
EPS beat(8)7
Avg EPS beat(8)5.56%
EPS beat(12)10
Avg EPS beat(12)4.23%
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)13.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.36%
EPS NY rev (1m)2.16%
EPS NY rev (3m)2.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-17.07%
Revenue NY rev (3m)-17.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.78 | ||
| Fwd PE | 12.57 | ||
| P/S | 1.63 | ||
| P/FCF | 28.45 | ||
| P/OCF | 20.25 | ||
| P/B | 1.97 | ||
| P/tB | 3.37 | ||
| EV/EBITDA | 9.15 |
EPS(TTM)12.91
EY7.26%
EPS(NY)14.14
Fwd EY7.95%
FCF(TTM)6.25
FCFY3.51%
OCF(TTM)8.78
OCFY4.94%
SpS109.17
BVpS90.37
TBVpS52.76
PEG (NY)0.72
PEG (5Y)1.13
Graham Number162.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 13.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.21% | ||
| PM (TTM) | 10.87% | ||
| GM | N/A | ||
| FCFM | 5.73% |
ROA(3y)0.68%
ROA(5y)0.73%
ROE(3y)9.29%
ROE(5y)9.74%
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)0.95%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-0.81%
OM growth 5YN/A
PM growth 3Y25.59%
PM growth 5Y11.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.6 | ||
| Debt/EBITDA | 0.84 | ||
| Cap/Depr | 66.95% | ||
| Cap/Sales | 2.32% | ||
| Interest Coverage | 23.39 | ||
| Cash Conversion | 45.52% | ||
| Profit Quality | 52.7% | ||
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 | ||
| Altman-Z | N/A |
F-Score5
WACC7.29%
ROIC/WACCN/A
Cap/Depr(3y)79.94%
Cap/Depr(5y)72.25%
Cap/Sales(3y)3.62%
Cap/Sales(5y)2.72%
Profit Quality(3y)108.24%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)23.42%
EPS 3Y10.28%
EPS 5Y12.19%
EPS Q2Q%18.43%
EPS Next Y19.02%
EPS Next 2Y12.58%
EPS Next 3Y11.36%
EPS Next 5YN/A
Revenue 1Y (TTM)7.96%
Revenue growth 3Y-16.95%
Revenue growth 5Y-4.44%
Sales Q2Q%3.8%
Revenue Next Year121.94%
Revenue Next 2Y14.43%
Revenue Next 3Y11.27%
Revenue Next 5YN/A
EBIT growth 1Y4.93%
EBIT growth 3Y-17.62%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-38.24%
FCF growth 3YN/A
FCF growth 5Y23.28%
OCF growth 1Y-33.77%
OCF growth 3Y77.87%
OCF growth 5Y20.02%
IA FINANCIAL CORP INC / IAG.CA 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 for IAG stock?
ChartMill assigns a valuation rating of 3 / 10 to IA FINANCIAL CORP INC (IAG.CA). This can be considered as Overvalued.
How profitable is IA FINANCIAL CORP INC (IAG.CA) stock?
IA FINANCIAL CORP INC (IAG.CA) has a profitability rating of 4 / 10.
Can you provide the financial health for IAG stock?
The financial health rating of IA FINANCIAL CORP INC (IAG.CA) is 3 / 10.
How sustainable is the dividend of IA FINANCIAL CORP INC (IAG.CA) stock?
The dividend rating of IA FINANCIAL CORP INC (IAG.CA) is 5 / 10 and the dividend payout ratio is 35.2%.