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STOCKS

iA Financial Corporation Inc (TSE:IAG)

TSX:IAG

IAG

iA Financial Corporation Inc

RESEARCH TOOLSreports

iA Financial Corporation Inc (IAG) Ratios

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iA Financial Corporation Inc Ratios

TSE:IAG's free cash flow for Q4 2025 was C$1.00. For the 2025 fiscal year, TSE:IAG's free cash flow was decreased by C$ and operating cash flow was C$0.08. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	0.00	35.24	0.00	1.74
Quick Ratio	0.00	0.00	35.24	0.00	1.74
Cash Ratio	0.00	0.00	4.99	0.00	0.72
Solvency Ratio	0.01	0.01	0.01	0.01	<0.01
Operating Cash Flow Ratio	0.00	0.00	3.32	0.00	0.33
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	C$ -108.94B	C$ -108.94B	C$ -91.33B	C$ -78.07B	C$ -77.02B
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	0.02	0.02	0.02
Debt-to-Equity Ratio	0.34	0.34	0.28	0.27	0.29
Debt-to-Capital Ratio	0.25	0.25	0.22	0.21	0.22
Long-Term Debt-to-Capital Ratio	0.24	0.24	0.21	0.20	0.22
Financial Leverage Ratio	14.86	14.86	14.71	13.33	12.24
Debt Service Coverage Ratio	22.07	22.07	22.02	19.62	12.57
Interest Coverage Ratio	19.25	19.25	20.15	17.26	6.84
Debt to Market Cap	0.19	0.16	0.16	0.19	0.23
Interest Debt Per Share	30.86	30.53	22.36	18.88	19.97
Net Debt to EBITDA	0.47	0.47	0.32	0.36	1.08
Profitability Margins
Gross Profit Margin	52.98%	100.00%	46.66%	36.03%	-0.34%
EBIT Margin	12.89%	12.35%	16.27%	12.16%	-11.43%
EBITDA Margin	16.19%	15.51%	20.31%	15.50%	-18.74%
Operating Profit Margin	12.25%	11.74%	15.50%	11.49%	-9.97%
Pretax Profit Margin	12.25%	11.74%	15.50%	11.49%	-9.97%
Net Profit Margin	10.11%	9.69%	12.13%	9.06%	-9.54%
Continuous Operations Profit Margin	10.11%	9.69%	12.13%	9.06%	-9.54%
Net Income Per EBT	82.53%	82.53%	78.28%	78.82%	95.70%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.89%	0.89%	0.88%	0.84%	0.38%
Return on Equity (ROE)	13.62%	13.26%	12.88%	11.21%	4.68%
Return on Capital Employed (ROCE)	1.08%	1.08%	1.12%	1.07%	0.41%
Return on Invested Capital (ROIC)	0.89%	0.89%	0.88%	0.78%	0.92%
Return on Tangible Assets	0.92%	0.92%	0.90%	0.87%	0.40%
Earnings Yield	7.96%	6.63%	7.52%	8.56%	3.97%
Efficiency Ratios
Receivables Turnover	2.98	3.10	4.05	5.58	0.00
Payables Turnover	0.00	0.00	3.11	4.03	-3.26
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	32.56	33.97	25.01	27.22	-10.39
Asset Turnover	0.09	0.09	0.07	0.09	-0.04
Working Capital Turnover Ratio	7.42	1.38	0.81	1.72	-2.52
Cash Conversion Cycle	122.68	117.57	-27.33	-25.10	111.93
Days of Sales Outstanding	122.68	117.57	90.05	65.38	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	117.38	90.48	-111.93
Operating Cycle	122.68	117.57	90.05	65.38	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	37.93	37.03	10.84	13.16	5.78
Free Cash Flow Per Share	35.40	34.53	7.95	10.42	3.08
CapEx Per Share	2.53	2.51	2.90	2.74	2.71
Free Cash Flow to Operating Cash Flow	0.93	0.93	0.73	0.79	0.53
Dividend Paid and CapEx Coverage Ratio	5.48	5.41	1.66	2.21	1.04
Capital Expenditure Coverage Ratio	14.98	14.78	3.74	4.81	2.14
Operating Cash Flow Coverage Ratio	1.26	1.24	0.50	0.72	0.30
Operating Cash Flow to Sales Ratio	0.32	0.30	0.13	0.15	-0.18
Free Cash Flow Yield	23.61%	19.42%	5.96%	11.54%	3.88%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.57	15.09	13.30	11.68	25.16
Price-to-Sales (P/S) Ratio	1.27	1.46	1.61	1.06	-2.40
Price-to-Book (P/B) Ratio	1.67	2.00	1.71	1.31	1.18
Price-to-Free Cash Flow (P/FCF) Ratio	4.24	5.15	16.77	8.67	25.77
Price-to-Operating Cash Flow Ratio	3.95	4.80	12.29	6.87	13.71
Price-to-Earnings Growth (PEG) Ratio	-4.09	0.98	0.44	-88.17	-9.30
Price-to-Fair Value	1.67	2.00	1.71	1.31	1.18
Enterprise Value Multiple	8.33	9.89	8.27	7.19	13.89
Enterprise Value	14.61B	17.36B	13.32B	9.70B	9.11B
EV to EBITDA	8.33	9.89	8.27	7.19	13.89
EV to Sales	1.35	1.53	1.68	1.11	-2.60
EV to Free Cash Flow	4.49	5.40	17.46	9.13	27.95
EV to Operating Cash Flow	4.19	5.04	12.79	7.23	14.86
Tangible Book Value Per Share	45.53	45.04	41.80	37.97	38.09
Shareholders’ Equity Per Share	89.85	88.88	77.78	69.00	67.36
Tax and Other Ratios
Effective Tax Rate	0.17	0.17	0.22	0.21	0.04
Revenue Per Share	117.85	121.65	82.58	85.38	-33.02
Net Income Per Share	11.91	11.78	10.02	7.74	3.15
Tax Burden	0.83	0.83	0.78	0.79	0.96
Interest Burden	0.95	0.95	0.95	0.95	0.87
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	-0.50
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	2.70	3.14	0.85	1.70	0.64

Currency in CAD