IA FINANCIAL CORP INC (IAG.CA) Stock Fundamental Analysis
TSX:IAG - Toronto Stock Exchange - CA45075E1043 - Common Stock - Currency: CAD
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 only an average score on both its financial health and profitability. 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.
In the past 5 years IAG has always been profitable.
In the past 5 years IAG always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of IAG (0.80%) is better than 63.29% of its industry peers.
The Return On Equity of IAG (11.84%) is better than 75.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 11.84% | ||
| 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 (9.30%) which is comparable to the rest of the industry.
IAG's Profit Margin has improved in the last couple of years.
IAG's Operating Margin of 12.81% is on the low side compared to the rest of the industry. IAG is outperformed by 94.94% of its industry peers.
IAG's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.81% | ||
| PM (TTM) | 9.3% | ||
| 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 1.16, which is an excellent value as it means it would take IAG, only 1.16 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of IAG (1.16) is better than 79.75% of its industry peers.
IAG has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
IAG's Debt to Equity ratio of 0.20 is amongst the best of the industry. IAG outperforms 89.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.2%
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.
With a Current ratio value of 0.09, IAG perfoms like the industry average, outperforming 44.30% of the companies in the same 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.
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 20.52%, which is quite impressive.
The Earnings Per Share has been growing by 12.19% 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 16.43% in the last year.
The Revenue has been decreasing by -4.44% on average over the past years.
EPS 1Y (TTM)20.52%
EPS 3Y10.28%
EPS 5Y12.19%
EPS Q2Q%19.26%
Revenue 1Y (TTM)16.43%
Revenue growth 3Y-16.95%
Revenue growth 5Y-4.44%
Sales Q2Q%9.07%
3.2 Future
Based on estimates for the next years, IAG will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.41% on average per year.
Based on estimates for the next years, IAG will show a very negative growth in Revenue. The Revenue will decrease by -41.42% on average per year.
EPS Next Y11.27%
EPS Next 2Y10.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-100%
Revenue Next 2Y-41.42%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
A Price/Earnings ratio of 12.67 indicates a correct valuation of IAG.
Compared to the rest of the industry, the Price/Earnings ratio of IAG indicates a rather expensive valuation: IAG more expensive than 89.87% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.15, IAG is valued rather cheaply.
IAG is valuated reasonably with a Price/Forward Earnings ratio of 10.83.
64.56% of the companies in the same industry are cheaper than IAG, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.60, IAG is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IAG is valued a bit cheaper than the industry average as 64.56% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IAG indicates a rather expensive valuation: IAG more expensive than 88.61% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.63 | ||
| EV/EBITDA | 8.95 |
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)1.12
PEG (5Y)1.04
EPS Next 2Y10.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
IAG has a Yearly Dividend Yield of 2.46%.
Compared to an average industry Dividend Yield of 4.99, IAG's dividend is way lower than its industry peers. On top of this 88.61% 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 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
5.2 History
The dividend of IAG is nicely growing with an annual growth rate of 13.14%!
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
40.45% of the earnings are spent on dividend by IAG. This is a bit on the high side, but may be sustainable.
The dividend of IAG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.45%
EPS Next 2Y10.41%
EPS Next 3YN/A
TSX:IAG (6/27/2025, 7:00:00 PM)
147.38
+0.87 (+0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.57%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap13.72B
Analysts74.55
Price Target146.15 (-0.83%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.46% |
Yearly Dividend3.61
Dividend Growth(5Y)13.14%
DP40.45%
Div Incr Years11
Div Non Decr Years18
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.34%
Min EPS beat(2)5.09%
Max EPS beat(2)7.59%
EPS beat(4)4
Avg EPS beat(4)7.63%
Min EPS beat(4)5.09%
Max EPS beat(4)10.97%
EPS beat(8)7
Avg EPS beat(8)4.08%
EPS beat(12)10
Avg EPS beat(12)3.66%
EPS beat(16)12
Avg EPS beat(16)2.92%
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)0.82%
PT rev (3m)-0.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.09%
EPS NY rev (1m)0%
EPS NY rev (3m)1.97%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.67 | ||
| Fwd PE | 10.83 | ||
| P/S | 1.43 | ||
| P/FCF | 10.63 | ||
| P/OCF | 8.79 | ||
| P/B | 1.81 | ||
| P/tB | 3.39 | ||
| EV/EBITDA | 8.95 |
EPS(TTM)11.63
EY7.89%
EPS(NY)13.6
Fwd EY9.23%
FCF(TTM)13.87
FCFY9.41%
OCF(TTM)16.77
OCFY11.38%
SpS103.38
BVpS81.24
TBVpS43.44
PEG (NY)1.12
PEG (5Y)1.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 11.84% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 12.81% | ||
| PM (TTM) | 9.3% | ||
| GM | N/A | ||
| FCFM | 13.42% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.16 | ||
| Debt/EBITDA | 0.96 | ||
| Cap/Depr | 81.82% | ||
| Cap/Sales | 2.81% | ||
| Interest Coverage | 21.26 | ||
| Cash Conversion | 99.87% | ||
| Profit Quality | 144.25% | ||
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 | ||
| Altman-Z | N/A |
F-Score8
WACC8.2%
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)20.52%
EPS 3Y10.28%
EPS 5Y12.19%
EPS Q2Q%19.26%
EPS Next Y11.27%
EPS Next 2Y10.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.43%
Revenue growth 3Y-16.95%
Revenue growth 5Y-4.44%
Sales Q2Q%9.07%
Revenue Next Year-100%
Revenue Next 2Y-41.42%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y21.24%
EBIT growth 3Y-17.62%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-2.64%
FCF growth 3YN/A
FCF growth 5Y23.28%
OCF growth 1Y-2.62%
OCF growth 3Y77.87%
OCF growth 5Y20.02%