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iA Financial Corporation Inc

iA Financial Corporation Inc

IAG · TO · Financial Services / Insurance - Diversified

216.19CAD-2.53 (-1.16%)

Price History

Full chart

Market Stats

Previous Close218.72
Open219.45
Day Range215.66 – 220.15
52-Week Range143.74 – 222.53
Volume200.64K
Market Cap18.15B
P/E (TTM)17.67
Forward P/E13.39
EPS11.62
Dividend Yield2.14%
Beta0.70
50-Day Avg205.83
200-Day Avg181.14

About

iA Financial Corporation Inc., provides insurance and wealth management services for individual and group basis in Canada and the United States. It operates through Insurance, Canada; Wealth Management; US Operations; and Investment segments. The company offers life, health, auto, home, and creditor insurance products; replacement insurance products and warranties; extended warranties and other ancillary products for dealer services; and specialized products for special markets; and life insurance products and extended warranties relating to dealer services. It also provides savings plans, retirement, and segregated funds, securities brokerage, trust operations, and mutual funds. In addition, the company offers car, RV, mortgage, disability, travel, medical and paramedical care, homecare, vision and dental care, accidental death and dismemberment, disability management, transit, and critical illness insurance products. Further, the company provides investment funds; registered retirement savings plan (RRSP), tax-free savings account, tax-free first home savings account, individual pension plan, locked-in retirement account, and non-registered savings plan; registered retirement income fund, life income fund, and annuities; registered education savings plans (RESP); and RRSP, RESP, and investment loans. Additionally, it owns and manages real estate portfolio of commercial space for lease for offices, businesses, etc.; manufactures and distributes automobile protection products; provides vehicle warranty and related software and services; digital property and casualty insurance distribution services; life insurance, mutual fund, securities, and cross border securities brokerage services; trust service; auto finance; ancillary automotive products; and automobile warranty services, as well as operates as an independent warranty providers and administrators in the used vehicle market. The company was founded in 1892 and is headquartered in Quebec City, Canada.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Diversified
  • CEOMr. Denis Yves Ricard B.Sc., F.S.A., FCIA
  • Employees10.35K
  • Headquarters1080 Grande Allée West, Quebec City, QC, Canada, G1K 7M3, Canada
  • Websitehttps://ia.ca

Leadership

  • Mr. Denis Yves Ricard B.Sc., F.S.A., FCIACEO, President & Director · b. 1962
  • Mr. Eric Jobin B.Sc., F.S.A., FCIAExecutive VP, CFO, & Chief Actuary
  • Mr. Denis Berthiaume FCIA, FSAExecutive VP & Chief Growth Officer of Canadian Operations

Financials

Income Statement

Currency: CAD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue598.50M2.82B2.93B2.71B2.88B3.35B3.68B4.03B4.94B4.97B4.46B5.82B7.00B8.04B7.48B6.02B9.68B8.24B9.36B11.30B9.94B15.30B17.68B13.40B-3.50B8.71B7.93B11.31B
Growth (%)-+371.24%+3.75%-7.29%+6.26%+16.27%+9.74%+9.55%+22.55%+0.67%-10.18%+30.24%+20.46%+14.70%-6.92%-19.47%+60.72%-14.89%+13.65%+20.65%-12.03%+53.99%+15.55%-24.24%-126.12%+348.83%-8.97%+42.70%
Cost of Revenue-1.20B1.44B1.14B573.50M865.80M868.00M933.40M1.22B2.76B2.00B3.12B5.29B5.50B5.63B4.36B7.79B5.93B6.70B9.29B6.75B11.80B12.13B9.05B-3.51B5.57B4.23B-
Gross Profit598.50M1.62B1.48B1.57B2.31B2.49B2.81B3.10B3.72B2.21B2.46B2.69B1.72B2.54B1.85B1.66B1.89B2.31B2.66B2.01B3.19B3.50B5.55B4.35B12.00M3.14B3.70B11.31B
Gross Margin100.00%57.47%50.65%58.04%80.11%74.17%76.40%76.84%75.27%44.42%55.14%46.31%24.53%31.57%24.75%27.58%19.56%28.00%28.43%17.77%32.06%22.89%31.38%32.46%-0.34%36.03%46.66%100.00%
Operating Expense145.60M1.50B1.35B1.42B2.17B2.28B2.57B2.90B3.42B1.90B2.37B2.41B1.36B2.40B1.41B1.17B1.46B1.89B1.97B1.32B2.37B2.62B4.79B3.23B-337.00M2.14B2.47B9.98B
Operating Income452.90M123.50M136.00M156.30M140.30M207.50M236.90M194.00M300.00M312.00M92.00M283.00M354.00M134.00M446.00M491.00M435.00M421.00M694.00M683.00M819.00M887.00M762.00M1.12B349.00M1.00B1.23B1.33B
Operating Margin75.67%4.38%4.65%5.76%4.87%6.19%6.44%4.81%6.08%6.28%2.06%4.87%5.05%1.67%5.96%8.15%4.49%5.11%7.41%6.05%8.24%5.80%4.31%8.34%-9.97%11.49%15.50%11.74%
EBITDA69.70M123.50M159.10M183.40M50.90M19.10M27.40M-121.50M160.00M390.00M205.00M459.00M436.00M223.00M548.00M585.00M535.00M566.00M861.00M860.00M1.05B1.15B1.12B1.60B656.00M1.35B1.61B1.75B
EBITDA Margin11.65%4.38%5.44%6.76%1.77%0.57%0.74%-3.02%3.24%7.85%4.59%7.89%6.22%2.78%7.33%9.71%5.53%6.87%9.19%7.61%10.53%7.53%6.32%11.95%-18.74%15.50%20.31%15.51%
Net Income69.70M83.40M100.80M106.60M103.50M140.30M159.20M134.60M231.00M248.00M72.00M220.00M276.00M141.00M337.00M388.00M435.00M382.00M548.00M533.00M638.00M699.00M632.00M859.00M334.00M789.00M962.00M1.10B
Net Income Margin11.65%2.96%3.44%3.93%3.59%4.19%4.33%3.34%4.68%4.99%1.61%3.78%3.94%1.75%4.51%6.44%4.49%4.64%5.85%4.72%6.42%4.57%3.57%6.41%-9.54%9.06%12.13%9.69%
Interest Expense0023.10M18.10M14.10M21.40M16.30M17.00M18.00M47.00M62.00M120.00M30.00M31.00M45.00M38.00M35.00M46.00M56.00M55.00M55.00M55.00M69.00M68.00M51.00M58.00M61.00M69.00M
Interest Expense % of Total Revenue0.00%0.00%0.79%0.67%0.49%0.64%0.44%0.42%0.36%0.95%1.39%2.06%0.43%0.39%0.60%0.63%0.36%0.56%0.60%0.49%0.55%0.36%0.39%0.51%-1.46%0.67%0.77%0.61%

Balance Sheet

Currency: CAD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-9.66B8.58B8.89B9.29B10.31B11.05B11.97B13.09B15.10B15.41B17.63B20.10B37.44B41.75B44.03B50.34B52.94B57.05B61.91B63.54B73.15B86.47B94.66B87.42B93.85B109.86B122.81B
Total Liabilities-8.93B7.81B8.02B8.35B9.12B9.84B10.61B11.48B13.30B13.56B15.47B17.54B34.67B38.45B40.36B46.40B48.75B52.28B56.77B57.82B67.02B79.95B87.41B80.28B86.81B102.39B114.54B
Total Equity583.20M727.90M778.50M864.80M938.00M1.04B1.21B1.36B1.61B1.80B1.86B2.16B2.56B2.77B3.30B3.67B3.94B4.18B4.76B5.14B5.72B6.13B6.51B7.25B7.14B7.04B7.47B8.27B
Cash----305.10M280.10M252.90M305.70M371.80M362.00M259.00M382.00M-308.00M996.00M408.00M424.00M846.00M769.00M839.00M718.00M801.00M1.95B1.55B1.36B1.38B1.57B1.95B
Total Debt-223.70M222.20M237.50M185.00M135.00M150.00M373.00M310.10M310.00M417.00M549.00M526.00M748.00M775.00M537.00M634.00M868.00M1.14B1.30B1.23B1.26B1.67B1.65B2.07B1.87B2.09B2.77B
Net Debt-223.70M222.20M237.50M-120.10M-145.10M-102.90M67.30M-61.70M-52.00M158.00M167.00M526.00M440.00M-221.00M129.00M210.00M22.00M226.00M157.00M183.00M460.00M-284.00M100.00M708.00M489.00M520.00M817.00M

Cash Flow

Currency: CAD1999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow342.30M77.40M286.20M365.70M745.70M624.40M489.50M641.10M675.00M676.00M891.00M798.00M935.00M1.14B-195.00M130.00M537.00M-96.00M645.00M392.00M418.00M1.86B185.00M613.00M1.34B1.04B3.44B
Investing Cash Flow-506.20M-92.10M-207.20M-271.30M-840.20M-635.00M-349.80M-526.60M-609.00M-877.00M-865.00M-733.00M-1.53B-852.00M-140.00M-53.00M-115.00M-112.00M-231.00M-400.00M-156.00M-1.14B-294.00M-287.00M-307.00M-491.00M-2.02B
Financing Cash Flow154.90M26.10M-9.70M-31.80M69.50M-16.60M-48.30M-48.40M-71.00M93.00M105.00M110.00M451.00M217.00M-240.00M-108.00M44.00M152.00M-183.00M-93.00M-198.00M111.00M-294.00M-525.00M-1.01B-397.00M-712.00M
Capital Expenditure05.10M028.20M900.00K31.70M1.50M700.00K19.00M0000051.00M51.00M68.00M92.00M124.00M177.00M150.00M177.00M248.00M287.00M279.00M278.00M233.00M
Free Cash Flow342.30M72.30M286.20M337.50M744.80M592.70M488.00M640.40M656.00M676.00M891.00M798.00M935.00M1.14B-195.00M79.00M469.00M-188.00M521.00M215.00M268.00M1.68B-63.00M326.00M1.06B763.00M3.21B
Dividends Paid700.00K6.40M23.20M24.80M27.50M32.60M39.80M53.20M67.00M81.00M93.00M104.00M108.00M119.00M103.00M94.00M90.00M146.00M168.00M194.00M210.00M230.00M246.00M304.00M328.00M348.00M404.00M
FCF to OCF100.00%93.41%100.00%92.29%99.88%94.92%99.69%99.89%97.19%100.00%100.00%100.00%100.00%100.00%100.00%60.77%87.34%195.83%80.78%54.85%64.11%90.48%-34.05%53.18%79.21%73.29%93.23%
Dividend Paid to FCF0.20%8.85%8.11%7.35%3.69%5.50%8.16%8.31%10.21%11.98%10.44%13.03%11.55%10.48%-52.82%118.99%19.19%-77.66%32.25%90.23%78.36%13.67%-390.48%93.25%30.86%45.61%12.58%

Earnings

Report DateMay 2, 2000Aug 15, 2000Nov 7, 2000Feb 13, 2001May 15, 2001Aug 14, 2001Nov 6, 2001Feb 12, 2002May 7, 2002Aug 1, 2002Nov 6, 2002Feb 11, 2003May 7, 2003Jul 29, 2003Nov 4, 2003Feb 10, 2004May 12, 2004Jul 27, 2004Nov 3, 2004Feb 9, 2005May 4, 2005Jul 26, 2005Nov 2, 2005Feb 8, 2006May 2, 2006Jul 25, 2006Nov 1, 2006Feb 7, 2007May 2, 2007Jul 31, 2007Nov 7, 2007Feb 13, 2008May 7, 2008Jul 29, 2008Nov 5, 2008Jan 26, 2009May 6, 2009Jul 28, 2009Nov 4, 2009Feb 12, 2010May 5, 2010Jul 27, 2010Nov 4, 2010Feb 18, 2011May 4, 2011Jul 29, 2011Nov 2, 2011Feb 17, 2012May 10, 2012Aug 2, 2012Nov 7, 2012Feb 15, 2013May 9, 2013Aug 1, 2013Nov 6, 2013Feb 13, 2014May 8, 2014Jul 31, 2014Nov 5, 2014Feb 12, 2015May 7, 2015Jul 30, 2015Nov 4, 2015Feb 11, 2016May 5, 2016Aug 4, 2016Nov 2, 2016Feb 16, 2017May 11, 2017Aug 3, 2017Nov 8, 2017Feb 15, 2018May 10, 2018Aug 2, 2018Nov 7, 2018Feb 14, 2019May 9, 2019Aug 1, 2019Nov 6, 2019Feb 13, 2020May 7, 2020Jul 30, 2020Nov 4, 2020Feb 11, 2021May 6, 2021Jul 29, 2021Nov 3, 2021Feb 16, 2022May 12, 2022Jul 28, 2022Nov 9, 2022Feb 14, 2023May 10, 2023Aug 3, 2023Nov 7, 2023Feb 20, 2024May 8, 2024Aug 6, 2024Nov 5, 2024Feb 18, 2025May 7, 2025Aug 4, 2025Nov 3, 2025Feb 17, 2026May 5, 2026Aug 4, 2026Nov 9, 2026
EPS Estimate0.230.280.580.590.310.340.580.700.720.680.780.810.810.800.860.890.470.960.981.021.080.970.770.680.680.700.670.700.710.730.770.780.790.800.680.610.560.690.650.690.730.690.720.780.780.790.74-0.290.730.630.700.730.780.720.850.830.830.900.940.920.920.971.011.071.001.091.161.191.101.161.271.321.211.331.421.331.341.471.571.601.311.391.581.681.831.942.122.131.972.062.272.272.192.322.382.482.352.542.622.802.853.043.343.293.313.403.72
EPS Actual0.270.300.630.660.320.350.660.760.740.710.780.820.730.880.920.900.461.001.071.011.060.560.590.600.590.780.690.710.700.770.790.800.780.770.630.250.480.640.730.770.720.690.770.800.780.850.72-0.900.710.750.750.810.830.741.070.910.830.980.911.111.031.401.111.090.961.351.401.481.071.191.351.271.321.381.461.391.281.611.771.621.411.571.831.601.792.292.012.011.792.372.292.402.082.392.502.342.442.752.933.042.913.493.473.103.253.68-
Surprise17.39%7.14%8.62%11.86%3.23%2.94%13.79%8.57%2.78%4.41%0.00%1.23%-9.88%10.00%6.98%1.12%-2.13%4.17%9.18%-0.98%-1.85%-42.27%-23.38%-11.76%-13.24%11.43%2.99%1.43%-1.41%5.48%2.60%2.56%-1.27%-3.75%-7.35%-59.02%-14.29%-7.25%12.31%11.59%-1.37%0.00%6.94%2.56%0.00%7.59%-2.70%-210.34%-2.74%19.05%7.14%10.96%6.41%2.78%25.88%9.64%0.00%8.89%-3.19%20.65%11.96%44.33%9.90%1.87%-4.00%23.85%20.69%24.37%-2.73%2.59%6.30%-3.79%9.09%3.76%2.82%4.51%-4.48%9.52%12.74%1.25%7.63%12.95%15.82%-4.76%-2.19%18.04%-5.19%-5.63%-9.14%15.05%0.88%5.73%-5.02%3.02%5.04%-5.65%3.83%8.27%11.83%8.57%2.11%14.80%3.89%-5.78%-1.81%8.24%-
Timing------Pre-market-After-hoursPre-marketPre-marketPre-marketPre-market-Pre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-market-Pre-market--Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap18.15B
Enterprise Value19.32B
Trailing P/E17.67
Forward P/E13.39
PEG Ratio1.13
Price / Sales1.82
Price / Book2.63
EPS11.62
Book Value80.57
Revenue (TTM)10.00B
Gross Profit (TTM)4.70B
EBITDA1.81B
Profit Margin11.23%
Operating Margin17.48%
Return on Equity13.89%
Return on Assets0.78%
Shares Outstanding88.38M
Shares Float88.25M
Beta0.70
Dividend Yield2.14%
Dividend Rate4.40
Payout Ratio30.96%

Dividends

20263×
1.10Aug 14, 20261.10May 15, 20260.99Feb 27, 2026
20254×
0.99Nov 21, 20250.99Aug 22, 20250.90May 23, 20250.90Feb 28, 2025
20244×
0.90Nov 22, 20240.82Aug 23, 20240.82May 23, 20240.82Feb 29, 2024
20234×
0.77Nov 16, 20230.77Aug 24, 20230.77May 25, 20230.68Feb 23, 2023
20224×
0.68Nov 17, 20220.68Aug 11, 20220.63May 26, 20220.63Mar 3, 2022
20214×
0.63Nov 18, 20210.48Aug 19, 20210.48May 20, 20210.48Feb 25, 2021
20201×
0.48Nov 19, 2020

Stock Splits

  • May 16, 20052:1