IA FINANCIAL CORP INC (IAG.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IAG - CA45075E1043 - Common Stock
177.41 CAD
-0.42 (-0.24%)
Overall IAG gets a fundamental rating of 4 out of 10. We evaluated IAG against 81 industry peers in the Insurance industry. IAG has an average financial health and profitability rating. IAG is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year IAG was profitable.
In the past year IAG had a positive cash flow from operations.
Each year in the past 5 years IAG has been profitable.
IAG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.91%, IAG is doing good in the industry, outperforming 73.42% of the companies in the same industry.
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.
Looking at the Operating Margin, with a value of 14.21%, IAG is doing worse than 67.09% of the companies in the same industry.
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.
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
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.
The Debt to FCF ratio of IAG (2.60) is comparable to the rest of the industry.
IAG has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
IAG has a better Debt to Equity ratio (0.18) than 91.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.6 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.29%
2.3 Liquidity
A Current Ratio of 0.09 indicates that IAG may have some problems paying its short term obligations.
IAG has a better Current ratio (0.09) than 63.29% of its industry peers.
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.
IAG has a better Quick ratio (0.09) than 63.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 23.42% over the past year.
IAG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.19% yearly.
Looking at the last year, IAG shows a small growth in Revenue. The Revenue has grown by 7.96% in the last year.
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
The Earnings Per Share is expected to grow by 11.36% on average over the next years. This is quite good.
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
A Price/Earnings ratio of 13.74 indicates a correct valuation of IAG.
Based on the Price/Earnings ratio, IAG is valued a bit more expensive than 72.15% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, IAG is valued a bit cheaper.
IAG is valuated correctly with a Price/Forward Earnings ratio of 12.54.
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.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, IAG is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.74 | ||
| Fwd PE | 12.54 |
4.2 Price Multiples
64.56% of the companies in the same industry are more expensive than IAG, based on the Enterprise Value to EBITDA ratio.
IAG's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. IAG is more expensive than 79.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.38 | ||
| EV/EBITDA | 9.12 |
4.3 Compensation for Growth
The 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 4.57, IAG's dividend is way lower than its industry peers. On top of this 84.81% of the companies listed in the same industry pay a better dividend than IAG!
IAG's Dividend Yield is comparable with the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
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 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
35.20% 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.
DP35.2%
EPS Next 2Y12.58%
EPS Next 3Y11.36%
TSX:IAG (1/2/2026, 7:00:00 PM)
177.41
-0.42 (-0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap16.32B
Revenue(TTM)10.04B
Net Income(TTM)1.09B
Analysts73.33
Price Target178.06 (0.37%)
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-DateN/A
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)0%
EPS NY rev (3m)2.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-17.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.74 | ||
| Fwd PE | 12.54 | ||
| P/S | 1.63 | ||
| P/FCF | 28.38 | ||
| P/OCF | 20.2 | ||
| P/B | 1.96 | ||
| P/tB | 3.36 | ||
| EV/EBITDA | 9.12 |
EPS(TTM)12.91
EY7.28%
EPS(NY)14.14
Fwd EY7.97%
FCF(TTM)6.25
FCFY3.52%
OCF(TTM)8.78
OCFY4.95%
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 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.
How profitable is IA FINANCIAL CORP INC (IAG.CA) stock?
IA FINANCIAL CORP INC (IAG.CA) has a profitability rating of 4 / 10.
What are the PE and PB ratios of IA FINANCIAL CORP INC (IAG.CA) stock?
The Price/Earnings (PE) ratio for IA FINANCIAL CORP INC (IAG.CA) is 13.74 and the Price/Book (PB) ratio is 1.96.
Can you provide the dividend sustainability for IAG stock?
The dividend rating of IA FINANCIAL CORP INC (IAG.CA) is 5 / 10 and the dividend payout ratio is 35.2%.