IA FINANCIAL CORP INC (IAG.CA) Stock Fundamental Analysis
Canada - TSX:IAG - CA45075E1043 - Common Stock
163.34 CAD
+2.64 (+1.64%)
IAG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. While IAG is still in line with the averages on profitability rating, there are concerns on its financial health. IAG is not valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years IAG has been profitable.
Each year in the past 5 years IAG had a positive operating cash flow.
1.2 Ratios
IAG's Return On Assets of 0.88% is fine compared to the rest of the industry. IAG outperforms 74.68% of its industry peers.
IAG's Return On Equity of 12.54% is fine compared to the rest of the industry. IAG outperforms 78.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 12.54% | ||
| 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
IAG has a Profit Margin (10.16%) which is in line with its industry peers.
IAG's Profit Margin has improved in the last couple of years.
IAG has a worse Operating Margin (13.45%) than 94.94% of its industry peers.
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 | 13.45% | ||
| PM (TTM) | 10.16% | ||
| 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.
IAG has less shares outstanding than it did 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
IAG has a debt to FCF ratio of 2.06. This is a good value and a sign of high solvency as IAG would need 2.06 years to pay back of all of its debts.
IAG has a Debt to FCF ratio of 2.06. This is comparable to the rest of the industry: IAG outperforms 58.23% of its industry peers.
IAG has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
IAG has a better Debt to Equity ratio (0.19) than 89.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 2.06 | ||
| 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.
IAG has a Quick 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.
Looking at the Quick ratio, with a value of 0.09, IAG is in line with its industry, outperforming 45.57% of the companies in the same 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 23.58%, which is quite impressive.
The Earnings Per Share has been growing by 12.19% on average over the past years. This is quite good.
The Revenue has grown by 16.62% in the past year. This is quite good.
The Revenue has been decreasing by -4.44% on average over the past years.
EPS 1Y (TTM)23.58%
EPS 3Y10.28%
EPS 5Y12.19%
EPS Q2Q%26.91%
Revenue 1Y (TTM)16.62%
Revenue growth 3Y-16.95%
Revenue growth 5Y-4.44%
Sales Q2Q%14.61%
3.2 Future
The Earnings Per Share is expected to grow by 10.13% on average over the next years. This is quite good.
The Revenue is expected to decrease by -41.42% on average over the next years. This is quite bad
EPS Next Y16.1%
EPS Next 2Y10.82%
EPS Next 3Y10.13%
EPS Next 5YN/A
Revenue Next Year167.61%
Revenue Next 2Y-41.42%
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 stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.20, the valuation of IAG can be described as correct.
Based on the Price/Earnings ratio, IAG is valued more expensive than 92.41% of the companies in the same industry.
IAG is valuated cheaply when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
IAG is valuated reasonably with a Price/Forward Earnings ratio of 11.92.
Based on the Price/Forward Earnings ratio, IAG is valued a bit more expensive than 69.62% of the companies in the same industry.
IAG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.2 | ||
| Fwd PE | 11.92 |
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 67.09% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IAG indicates a rather expensive valuation: IAG more expensive than 92.41% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.83 | ||
| EV/EBITDA | 9.05 |
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)0.82
PEG (5Y)1.08
EPS Next 2Y10.82%
EPS Next 3Y10.13%
5. Dividend
5.1 Amount
IAG has a Yearly Dividend Yield of 2.46%.
Compared to an average industry Dividend Yield of 3.56, IAG is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.31, IAG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
5.2 History
On average, the dividend of IAG grows each year by 13.14%, 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)13.14%
Div Incr Years11
Div Non Decr Years18
5.3 Sustainability
36.14% of the earnings are spent on dividend by IAG. This is a low number and sustainable payout ratio.
IAG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.14%
EPS Next 2Y10.82%
EPS Next 3Y10.13%
TSX:IAG (10/24/2025, 7:00:00 PM)
163.34
+2.64 (+1.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners45.91%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap15.08B
Revenue(TTM)9.94B
Net Income(TTM)1.01B
Analysts74
Price Target156.91 (-3.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
Yearly Dividend3.61
Dividend Growth(5Y)13.14%
DP36.14%
Div Incr Years11
Div Non Decr Years18
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.94%
Min EPS beat(2)5.09%
Max EPS beat(2)12.8%
EPS beat(4)4
Avg EPS beat(4)9.11%
Min EPS beat(4)5.09%
Max EPS beat(4)12.8%
EPS beat(8)7
Avg EPS beat(8)5.42%
EPS beat(12)10
Avg EPS beat(12)3.8%
EPS beat(16)12
Avg EPS beat(16)2.79%
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)5.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.04%
EPS NY rev (1m)0%
EPS NY rev (3m)4.34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.2 | ||
| Fwd PE | 11.92 | ||
| P/S | 1.52 | ||
| P/FCF | 20.83 | ||
| P/OCF | 15.32 | ||
| P/B | 1.87 | ||
| P/tB | 3.27 | ||
| EV/EBITDA | 9.05 |
EPS(TTM)12.37
EY7.57%
EPS(NY)13.71
Fwd EY8.39%
FCF(TTM)7.84
FCFY4.8%
OCF(TTM)10.66
OCFY6.53%
SpS107.71
BVpS87.25
TBVpS50
PEG (NY)0.82
PEG (5Y)1.08
Graham Number155.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 12.54% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 13.45% | ||
| PM (TTM) | 10.16% | ||
| GM | N/A | ||
| FCFM | 7.28% |
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-Score7
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 2.06 | ||
| Debt/EBITDA | 0.89 | ||
| Cap/Depr | 75.8% | ||
| Cap/Sales | 2.61% | ||
| Interest Coverage | 20.26 | ||
| Cash Conversion | 58.57% | ||
| Profit Quality | 71.68% | ||
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 | ||
| Altman-Z | N/A |
F-Score7
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)23.58%
EPS 3Y10.28%
EPS 5Y12.19%
EPS Q2Q%26.91%
EPS Next Y16.1%
EPS Next 2Y10.82%
EPS Next 3Y10.13%
EPS Next 5YN/A
Revenue 1Y (TTM)16.62%
Revenue growth 3Y-16.95%
Revenue growth 5Y-4.44%
Sales Q2Q%14.61%
Revenue Next Year167.61%
Revenue Next 2Y-41.42%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y28.43%
EBIT growth 3Y-17.62%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-31.63%
FCF growth 3YN/A
FCF growth 5Y23.28%
OCF growth 1Y-26.35%
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 4 / 10 to IA FINANCIAL CORP INC (IAG.CA). This can be considered as Fairly Valued.
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 36.14%.