Need an investment idea? Check out S2O Stock Screener. It allows to generate a list of stocks of a particular interest in a matter of seconds!

Market Price

50.01 

1.29 2.7%

as of Feb 15 '19

52 Week Range:

41.32 57.56


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

iA Financial Corporation Inc. provides various life and health insurance products in Canada and the United States. The company operates through Individual Insurance, Individual Wealth Management, Group Insurance, Group Savings and Retirement US Operations, and Other segments. It offers various individual insurance products and services, including life, car, leisure vehicle and RV, home, mortgage, critical illness and disability, personal accident, travel, and other group insurance products; residential mortgage loans, registered retirement savings plan (RRSP) loans, registered education savings plan (RESP) loans, and investment loans; and savings and retirement products. The company also provides group insurance products and services, including medical and paramedical care, homecare, vision and dental care, life insurance and accidental death and dismemberment, short and long-term disability, and travel insurance products; distinctive and administrators services; special market solutions; group retirement plans; investment solutions; fund governance; dealer services for various insurance products; and multi-residential and commercial mortgages, as well as leases space. Further, it offers individual insurance and individual savings financial security, group retirement plan, and securities, advisory services; group insurance advisory and brokerage services; special risk insurance and group insurance, mortgage, real estate, and deposit brokerage services; and advisory and brokerage services for lawyer or notary, and automobile and recreational vehicle dealers. The company was founded in 1892 and is headquartered in Québec, Canada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 23.14
26.81
30.55
31.71
28.79
29.57
33.35
36.72
37.86
43.58
48.06
growth rate 15.9% 14.0% 3.8% -9.2% 2.7% 12.8% 10.1% 3.1% 15.1% 10.3%
Earnings BIT 92.00
283.00
348.00
134.00
457.00
512.40
483.80
473.60
771.00
756.00
882.00
growth rate 207.6% 23.0% -61.5% 241.0% 12.1% -5.6% -2.1% 62.8% -2.0% 16.7%
Avg.PE 28.57
12.61
12.30
19.16
9.67
13.14
10.87
7.84
10.89
11.87
8.87
growth rate -55.9% -2.5% 55.8% -49.5% 35.9% -17.3% -27.9% 38.9% 9.0% -25.3%
ROA 0.43
1.25
1.33
0.44
0.79
0.82
0.85
0.70
0.98
0.87
0.98
growth rate 190.7% 6.4% -66.9% 79.6% 3.8% 3.7% -17.7% 40.0% -11.2% 12.6%
ROE 3.61
10.26
10.64
4.76
11.56
12.25
12.21
10.02
13.10
11.26
12.32
growth rate 184.2% 3.7% -55.3% 142.9% 6.0% -0.3% -17.9% 30.7% -14.1% 9.4%
ROIC 6.37
9.86
10.52
4.76
10.19
11.42
11.77
growth rate 54.8% 6.7% -54.8% 114.1% 12.1% 3.1%
Leverage 8.30
8.17
7.85
13.49
15.93
14.24
14.55
13.90
13.00
13.00
12.24
growth rate -1.6% -3.9% 71.9% 18.1% -10.6% 2.2% -4.5% -6.5% 0.0% -5.9%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 555.00
689.00
846.00
896.00
1,250.00
growth rate 24.1% 22.8% 5.9% 39.5%
Acct.Payable 819.00
888.00
1,057.00
1,046.00
1,176.00
growth rate 8.4% 19.0% -1.0% 12.4%
Cur.Assets 3,483.00
3,759.00
4,133.00
4,024.00
3,829.00
2,272.00
growth rate 7.9% 10.0% -2.6% -4.9% -40.7%
Total Assets 15,415.00
17,639.00
34,108.00
37,441.00
41,718.00
44,117.00
50,339.00
52,938.00
57,050.00
61,906.00
63,540.00
growth rate 14.4% 93.4% 9.8% 11.4% 5.8% 14.1% 5.2% 7.8% 8.5% 2.6%
Cash 259.00
0.00
452.00
596.00
1,096.00
523.00
424.00
846.00
769.00
839.00
1,046.00
growth rate -100.0% 31.9% 83.9% -52.3% -18.9% 99.5% -9.1% 9.1% 24.7%
Cur.Liabilities 2,236.00
3,328.00
3,219.00
3,443.00
3,971.00
growth rate 48.8% -3.3% 7.0% 15.3%
Liabilities 13,557.00
15,481.00
31,580.00
34,607.00
38,504.00
40,449.00
46,404.00
48,754.00
52,285.00
56,770.00
57,822.00
growth rate 14.2% 104.0% 9.6% 11.3% 5.1% 14.7% 5.1% 7.2% 8.6% 1.9%
LT Debt 386.00
520.00
499.00
748.00
758.00
1,032.00
1,221.00
1,779.00
1,978.00
2,054.00
901.00
growth rate 34.7% -4.0% 49.9% 1.3% 36.2% 18.3% 45.7% 11.2% 3.8% -56.1%
Equity 1,858.00
2,158.00
2,528.00
2,834.00
3,214.00
3,093.00
3,460.00
3,809.00
4,390.00
4,761.00
5,718.00
growth rate 16.2% 17.2% 12.1% 13.4% -3.8% 11.9% 10.1% 15.3% 8.5% 20.1%
Common Shares 81.00
81.00
88.00
93.00
96.00
98.00
100.00
102.00
103.00
107.00
110.00
growth rate 0.0% 8.6% 5.7% 3.2% 2.1% 2.0% 2.0% 1.0% 3.9% 2.8%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.00
0.00
0.00
0.00
0.00
51.00
51.00
68.00
92.00
124.00
growth rate 0.0% 33.3% 35.3% 34.8%
Cash Dividends 81.00
93.00
104.00
108.00
113.00
103.00
94.00
90.00
146.00
168.00
growth rate 14.8% 11.8% 3.9% 4.6% -8.9% -8.7% -4.3% 62.2% 15.1%
Cash From OA 676.00
891.00
752.00
972.00
452.00
-195.00
130.00
537.00
-96.00
645.00
growth rate 31.8% -15.6% 29.3% -53.5% -100.0% 100.0% 313.1% -100.0% 100.0%
FCF per Share 8.35
11.04
9.51
10.81
11.80
11.16
2.37
2.64
3.88
5.02
0.29
growth rate 32.2% -13.9% 13.7% 9.2% -5.4% -78.8% 11.4% 47.0% 29.4% -94.2%
Sale Purchase of Stock 256.00
15.00
17.00
188.00
17.00
growth rate -94.1% 13.3% 1,005.9% -91.0%
FCF 676.00
891.00
798.00
935.00
1,135.00
-195.00
130.00
469.00
-188.00
521.00
215.00
growth rate 31.8% -10.4% 17.2% 21.4% -100.0% 100.0% 260.8% -100.0% 100.0% -58.7%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 4,465.00
5,815.00
7,005.00
8,037.00
7,479.00
5,979.40
9,680.80
8,221.60
9,347.00
11,276.00
9,912.00
growth rate 30.2% 20.5% 14.7% -6.9% -20.1% 61.9% -15.1% 13.7% 20.6% -12.1%
Op.Income 92.00
283.00
354.00
134.00
457.00
512.40
483.80
473.60
771.00
756.00
882.00
growth rate 207.6% 25.1% -62.2% 241.0% 12.1% -5.6% -2.1% 62.8% -2.0% 16.7%
IBT 92.00
283.00
354.00
134.00
446.00
488.00
433.00
425.00
700.00
681.00
819.00
growth rate 207.6% 25.1% -62.2% 232.8% 9.4% -11.3% -1.9% 64.7% -2.7% 20.3%
Net Income 72.00
220.00
276.00
127.00
334.00
385.00
433.00
386.00
554.00
531.00
638.00
growth rate 205.6% 25.5% -54.0% 163.0% 15.3% 12.5% -10.9% 43.5% -4.2% 20.2%
EPS 0.82
2.55
2.93
1.18
3.22
3.57
3.97
3.57
5.19
4.81
5.59
growth rate 211.0% 14.9% -59.7% 172.9% 10.9% 11.2% -10.1% 45.4% -7.3% 16.2%
Gross Profit 1,917.00
2,165.00
2,940.00
2,567.00
2,756.00
1,406.40
1,466.80
1,552.60
1,907.00
1,984.00
2,338.00
growth rate 12.9% 35.8% -12.7% 7.4% -49.0% 4.3% 5.9% 22.8% 4.0% 17.8%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 203.00
195.00
241.00
235.00
211.00
growth rate -3.9% 23.6% -2.5% -10.2%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 1,250.00
growth rate
Acct.Payable 1,176.00
growth rate
Cur.Assets 3,829.00
2,104.00
2,107.00
2,368.00
2,272.00
growth rate -45.1% 0.1% 12.4% -4.1%
Total Assets 61,906.00
63,260.00
64,835.00
64,101.00
63,540.00
growth rate 2.2% 2.5% -1.1% -0.9%
Cash 839.00
913.00
626.00
959.00
1,046.00
growth rate 8.8% -31.4% 53.2% 9.1%
Cur.Liabilities 3,971.00
4,760.00
4,956.00
4,415.00
growth rate 19.9% 4.1% -10.9%
Liabilities 56,770.00
57,756.00
59,165.00
58,358.00
57,822.00
growth rate 1.7% 2.4% -1.4% -0.9%
LT Debt 2,054.00
2,279.00
2,243.00
2,252.00
901.00
growth rate 11.0% -1.6% 0.4% -60.0%
Equity 4,761.00
4,979.00
5,145.00
5,218.00
5,718.00
growth rate 4.6% 3.3% 1.4% 9.6%
Common Shares 1,521.00
1,668.00
1,670.00
1,672.00
2,203.00
growth rate 9.7% 0.1% 0.1% 31.8%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures 34.00
28.00
42.00
48.00
growth rate -17.7% 50.0% 14.3%
Cash Dividends 44.00
45.00
47.00
52.00
growth rate 2.3% 4.4% 10.6%
Cash From OA -186.00
-228.00
47.00
551.00
growth rate 0.0% 100.0% 1,072.3%
Sale Purchase of Stock 5.00
145.00
growth rate 2,800.0%
FCF -220.00
-256.00
5.00
503.00
growth rate 0.0% 100.0% 9,960.0%
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 3,680.00
2,572.00
2,773.00
1,980.00
2,587.00
growth rate -30.1% 7.8% -28.6% 30.7%
Op.Income 203.00
195.00
241.00
235.00
211.00
growth rate -3.9% 23.6% -2.5% -10.2%
IBT 176.00
178.00
225.00
220.00
196.00
growth rate 1.1% 26.4% -2.2% -10.9%
Net Income 136.00
143.00
166.00
171.00
158.00
growth rate 5.2% 16.1% 3.0% -7.6%
EPS
growth rate
Gross Profit 523.00
550.00
604.00
588.00
596.00
growth rate 5.2% 9.8% -2.7% 1.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (52.83)

YOY Growth Grade:

D (46.77)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.87 9.14 11.01
EPS / Growth 6.2% 5.47 6.9%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 13.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.2% 8.7% 8.7%
Future PE 8.87 12.41 12.41
Future EPS 9.99 12.58 12.58
Value Price
MOS %
21.90
-56.2%
38.61
-22.8%
38.61
-22.8%
MOS Price 10.95 19.31 19.31
IRT 7.10 6.57 6.57

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.