IA FINANCIAL CORP INC (IAG.CA) Fundamental Analysis & Valuation
TSX:IAG • CA45075E1043
Current stock price
158.66 CAD
+1.27 (+0.81%)
Last:
This IAG.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. IAG.CA Profitability Analysis
1.1 Basic Checks
- In the past year IAG was profitable.
- In the past year IAG had a positive cash flow from operations.
- In the past 5 years IAG has always been profitable.
- Each year in the past 5 years IAG had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 0.86%, IAG is doing good in the industry, outperforming 65.82% of the companies in the same industry.
- IAG has a Return On Equity of 12.74%. This is in the better half of the industry: IAG outperforms 65.82% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With a Profit Margin value of 10.04%, IAG perfoms like the industry average, outperforming 46.84% of the companies in the same industry.
- IAG's Profit Margin has improved in the last couple of years.
- IAG has a Operating Margin of 13.32%. This is in the lower half of the industry: IAG underperforms 77.22% of its industry peers.
- In the last couple of years the Operating Margin of IAG has grown nicely.
| Industry Rank | Sector 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
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.
- Compared to 5 years ago, IAG has less shares outstanding
- IAG has a better debt/assets ratio than last year.
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.
- IAG's Debt to FCF ratio of 0.71 is amongst the best of the industry. IAG outperforms 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.
- Looking at the Debt to Equity ratio, with a value of 0.18, IAG belongs to the top of the industry, outperforming 91.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 0.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.39%
2.3 Liquidity
- IAG has a Current 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.
- Looking at the Current ratio, with a value of 0.07, IAG is in the better half of the industry, outperforming 65.82% of the companies in the same industry.
- A Quick Ratio of 0.07 indicates that IAG may have some problems paying its short term obligations.
- With a decent Quick ratio value of 0.07, IAG is doing good in the industry, outperforming 65.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.07 | ||
| Quick Ratio | 0.07 |
3. IAG.CA Growth Analysis
3.1 Past
- IAG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.22%, which is quite good.
- IAG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.14% yearly.
- The Revenue has grown by 11.25% in the past year. This is quite good.
- Measured over the past years, IAG shows a decrease in Revenue. The Revenue has been decreasing by -5.94% on average per year.
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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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.
4. IAG.CA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 12.23, the valuation of IAG can be described as correct.
- Based on the Price/Earnings ratio, IAG is valued a bit more expensive than 69.62% of the companies in the same industry.
- IAG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.21.
- The Price/Forward Earnings ratio is 11.27, which indicates a very decent valuation of IAG.
- IAG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. IAG is more expensive than 64.56% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 23.13. IAG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.23 | ||
| Fwd PE | 11.27 |
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 68.35% of the companies listed in the same industry.
- IAG's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.86 | ||
| EV/EBITDA | 7.9 |
4.3 Compensation for Growth
- IAG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.44
PEG (5Y)0.81
EPS Next 2Y9.02%
EPS Next 3YN/A
5. IAG.CA Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 2.62%, IAG has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 3.85, IAG is paying slightly less dividend.
- IAG's Dividend Yield is a higher than the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.62% |
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
5.3 Sustainability
- IAG pays out 38.37% of its income as dividend. This is a sustainable payout ratio.
- IAG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.37%
EPS Next 2Y9.02%
EPS Next 3YN/A
IAG.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:IAG (4/6/2026, 7:00:00 PM)
158.66
+1.27 (+0.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-17 2026-02-17/amc
Earnings (Next)05-05 2026-05-05
Inst Owners47.26%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap14.44B
Revenue(TTM)10.48B
Net Income(TTM)1.05B
Analysts70
Price Target181.12 (14.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.62% |
Yearly Dividend4.36
Dividend Growth(5Y)15.22%
DP38.37%
Div Incr Years12
Div Non Decr Years19
Ex-Date02-27 2026-02-27 (0.99)
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)1.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.23 | ||
| Fwd PE | 11.27 | ||
| P/S | 1.38 | ||
| P/FCF | 6.86 | ||
| P/OCF | 6.17 | ||
| P/B | 1.75 | ||
| P/tB | 3.45 | ||
| EV/EBITDA | 7.9 |
EPS(TTM)12.97
EY8.17%
EPS(NY)14.07
Fwd EY8.87%
FCF(TTM)23.14
FCFY14.58%
OCF(TTM)25.7
OCFY16.2%
SpS115.21
BVpS90.83
TBVpS46.03
PEG (NY)1.44
PEG (5Y)0.81
Graham Number162.8
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.39%
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 4 / 10 to IA FINANCIAL CORP INC (IAG.CA). This can be considered as Fairly Valued.
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.