IAG:CA:TSX-Industrial Alliance Insurance and Financial Services Inc. (CAD)

EQUITY | Insurance - Diversified | Toronto Stock Exchange

Last Closing

CAD 84.15

Change

-0.49 (-0.58)%

Market Cap

CAD 5.84B

Volume

0.34M

Analyst Target

CAD 56.44
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Industrial Alliance Insurance and Financial Services Inc offers insurance and financial services. The Company provides life and health insurance products, savings and retirement plans, mutual funds, securities, auto and home insurance and mortgage loans.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-03-28 )

ETFs Containing IAG:CA

CEW WisdomTree Emerging Curre.. 0.00 % 1.44 %

N/A

USD 7.10M
FST:CA First Trust Canadian Capi.. 0.00 % 0.66 %

N/A

CAD 0.04B

Market Performance

  Market Performance vs. Industry/Classification (Insurance - Diversified) Market Performance vs. Exchange (Toronto Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -6.84% 20% F 9% A-
Dividend Return 0.91% 20% F 41% F
Total Return -5.93% 10% F 9% A-
Trailing 12 Months  
Capital Gain -0.65% 40% F 32% F
Dividend Return 2.77% 20% F 48% F
Total Return 2.13% 10% F 34% F
Trailing 5 Years  
Capital Gain 70.76% 100% F 79% B-
Dividend Return 21.33% 50% F 87% B+
Total Return 92.09% 100% F 82% B
Average Annual (5 Year Horizon)  
Capital Gain 13.05% 100% F 83% B
Dividend Return 16.34% 100% F 84% B
Total Return 3.29% 40% F 77% C+
Risk Return Profile  
Volatility (Standard Deviation) 26.84% 30% F 35% F
Risk Adjusted Return 60.88% 100% F 87% B+
Market Capitalization 5.84B 20% F 89% A-

Key Financial Ratios

  Ratio vs. Industry/Classification (Insurance - Diversified) Ratio vs. Market (Toronto Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 15.00 20% 59%
Price/Book Ratio 1.30 100% 50%
Price / Cash Flow Ratio 7.08 80% 43%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 11.14% 20% 70%
Return on Invested Capital N/A N/A N/A
Return on Assets 0.75% 20% 35%
Debt to Equity Ratio 25.02% 100% 74%

Annual Financials (CAD)

Quarterly Financials (CAD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector