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STOCKS

IGM Financial (TSE:IGM)

TSX:IGM

IGM

IGM Financial

RESEARCH TOOLSreports

IGM Financial (IGM) Ratios

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IGM Financial Ratios

TSE:IGM's free cash flow for Q3 2025 was C$―. For the 2025 fiscal year, TSE:IGM's free cash flow was decreased by C$ and operating cash flow was C$―. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	3.80	3.61	3.27	4.03	3.28
Quick Ratio	3.80	3.61	3.27	4.09	3.31
Cash Ratio	0.28	0.28	0.19	0.38	0.40
Solvency Ratio	0.09	0.08	0.10	0.24	0.27
Operating Cash Flow Ratio	0.36	0.36	0.29	0.26	0.29
Short-Term Operating Cash Flow Coverage	0.43	0.45	0.89	0.78	0.81
Net Current Asset Value	C$ -838.32M	C$ -1.10B	C$ -2.37B	C$ -1.18B	C$ -578.57M
Leverage Ratios
Debt-to-Assets Ratio	0.37	0.37	0.39	0.37	0.42
Debt-to-Equity Ratio	0.93	0.97	1.09	1.11	1.14
Debt-to-Capital Ratio	0.48	0.49	0.52	0.53	0.53
Long-Term Debt-to-Capital Ratio	0.38	0.38	0.48	0.48	0.48
Financial Leverage Ratio	2.49	2.65	2.80	3.05	2.74
Debt Service Coverage Ratio	0.45	0.43	0.95	0.89	0.94
Interest Coverage Ratio	9.03	10.04	5.30	10.87	12.13
Debt to Market Cap	0.52	0.68	0.85	0.74	0.66
Interest Debt Per Share	32.34	32.48	31.61	29.43	31.28
Net Debt to EBITDA	4.65	4.66	4.94	4.86	4.09
Profitability Margins
Gross Profit Margin	50.46%	43.89%	38.72%	46.45%	90.64%
EBIT Margin	38.37%	33.49%	34.24%	35.32%	38.51%
EBITDA Margin	39.66%	36.93%	36.69%	34.72%	41.29%
Operating Profit Margin	32.15%	33.49%	38.10%	35.79%	38.51%
Pretax Profit Margin	34.81%	31.20%	30.91%	32.50%	35.33%
Net Profit Margin	26.87%	24.08%	31.03%	25.10%	27.29%
Continuous Operations Profit Margin	27.01%	24.18%	25.10%	24.92%	27.34%
Net Income Per EBT	77.20%	77.17%	100.39%	77.23%	77.23%
EBT Per EBIT	108.26%	93.15%	81.14%	90.80%	91.75%
Return on Assets (ROA)	4.83%	4.51%	6.16%	4.60%	5.54%
Return on Equity (ROE)	12.46%	11.97%	17.25%	14.00%	15.18%
Return on Capital Employed (ROCE)	6.77%	7.45%	8.96%	7.71%	9.57%
Return on Invested Capital (ROIC)	4.59%	5.03%	6.87%	5.66%	6.86%
Return on Tangible Assets	6.00%	5.57%	7.78%	5.90%	7.25%
Earnings Yield	6.90%	8.56%	13.79%	9.62%	8.98%
Efficiency Ratios
Receivables Turnover	0.63	0.68	11.03	8.99	8.87
Payables Turnover	4.05	3.64	5.10	3.67	0.61
Inventory Turnover	0.00	0.00	0.00	-10.76	-3.15
Fixed Asset Turnover	11.44	12.54	12.06	10.59	11.35
Asset Turnover	0.18	0.19	0.20	0.18	0.20
Working Capital Turnover Ratio	0.44	0.51	0.49	0.43	0.55
Cash Conversion Cycle	489.76	439.28	-38.46	-92.81	-675.89
Days of Sales Outstanding	579.90	539.66	33.08	40.60	41.15
Days of Inventory Outstanding	0.00	0.00	0.00	-33.92	-115.80
Days of Payables Outstanding	90.14	100.38	71.54	99.50	601.25
Operating Cycle	579.90	539.66	33.08	6.68	-74.65
Cash Flow Ratios
Operating Cash Flow Per Share	4.47	4.85	3.52	3.09	3.95
Free Cash Flow Per Share	3.97	4.35	2.87	2.49	3.59
CapEx Per Share	0.49	0.50	0.65	0.61	0.36
Free Cash Flow to Operating Cash Flow	0.89	0.90	0.82	0.80	0.91
Dividend Paid and CapEx Coverage Ratio	1.62	1.77	1.21	1.08	1.51
Capital Expenditure Coverage Ratio	9.06	9.72	5.44	5.10	10.98
Operating Cash Flow Coverage Ratio	0.14	0.15	0.12	0.11	0.13
Operating Cash Flow to Sales Ratio	0.29	0.30	0.23	0.21	0.26
Free Cash Flow Yield	6.65%	9.48%	8.20%	6.58%	7.87%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.45	11.68	7.25	10.39	11.13
Price-to-Sales (P/S) Ratio	3.88	2.81	2.25	2.61	3.04
Price-to-Book (P/B) Ratio	1.74	1.40	1.25	1.45	1.69
Price-to-Free Cash Flow (P/FCF) Ratio	14.98	10.54	12.19	15.20	12.70
Price-to-Operating Cash Flow Ratio	13.34	9.46	9.95	12.22	11.55
Price-to-Earnings Growth (PEG) Ratio	4.43	-0.63	0.22	-0.93	0.40
Price-to-Fair Value	1.74	1.40	1.25	1.45	1.69
Enterprise Value Multiple	14.44	12.28	11.08	12.37	11.45
Enterprise Value	20.80B	17.58B	15.05B	14.84B	16.96B
EV to EBITDA	14.47	12.28	11.08	12.37	11.45
EV to Sales	5.74	4.53	4.06	4.30	4.73
EV to Free Cash Flow	22.15	17.00	22.01	25.04	19.77
EV to Operating Cash Flow	19.70	15.25	17.97	20.12	17.97
Tangible Book Value Per Share	18.00	16.66	11.90	8.79	9.81
Shareholders’ Equity Per Share	34.21	32.84	27.98	25.98	27.00
Tax and Other Ratios
Effective Tax Rate	0.22	0.23	0.19	0.22	0.23
Revenue Per Share	15.34	16.32	15.55	14.49	15.02
Net Income Per Share	4.12	3.93	4.83	3.64	4.10
Tax Burden	0.77	0.77	1.00	0.77	0.77
Interest Burden	0.91	0.93	0.90	0.92	0.92
Research & Development to Revenue	0.00	0.00	0.00	<0.01	<0.01
SG&A to Revenue	0.05	0.03	0.02	0.14	0.58
Stock-Based Compensation to Revenue	0.00	0.01	<0.01	<0.01	0.01
Income Quality	0.94	1.23	0.73	0.66	0.74

Currency in CAD