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Market Price

24.22 

-0.28 -1.2%

as of May 23 '19

52 Week Range:

19.20 26.09


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

IGM Financial Inc., a financial services company, manages and distributes investment funds and other managed asset products in Canada. The company operates through Investors Group, Mackenzie Investments, and Corporate and Other segments. The company also offers financial planning services, including investment, tax, retirement, education, risk management, and estate planning; strategic investment planning tools; mutual funds; iProfile, a portfolio management program; and separately managed accounts and fee-based brokerage accounts. In addition, it provides segregated funds; term, universal life, whole life, disability, critical illness, long-term care, and personal health care coverage and group insurance products; securities services; and residential mortgages. Further, the company offers banking products, such as investment loans, lines of credit, personal loans, creditor insurance, deposit accounts, and credit cards; cash management solutions; guaranteed investment certificates; private wealth solutions; and investment management, advisory, and related services. It offers its products and services through a network of consultants, as well as retail, strategic alliance, and institutional distribution channels. The company was founded in 1894 and is headquartered in Winnipeg, Canada. IGM Financial Inc. is a subsidiary of Power Financial Corporation.

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) 12.55
12.98
12.09
13.26
12.64
13.33
13.10
11.73
growth rate 3.4% -6.9% 9.7% -4.7% 5.5% -1.7% -10.5%
Earnings BIT 1,104.33
1,187.32
1,215.01
1,167.83
1,319.71
1,294.90
growth rate 7.5% 2.3% -3.9% 13.0% -1.9%
Avg.PE 12.30
10.79
11.31
growth rate -12.3% 4.8%
ROA 9.08
6.62
8.27
8.99
6.60
6.13
5.52
5.28
5.06
3.75
4.78
growth rate -27.1% 24.9% 8.7% -26.6% -7.1% -10.0% -4.4% -4.2% -25.9% 27.5%
ROE 17.58
13.27
16.87
20.79
17.63
17.19
16.29
16.44
16.58
12.98
16.82
growth rate -24.5% 27.1% 23.2% -15.2% -2.5% -5.2% 0.9% 0.9% -21.7% 29.6%
Leverage 1.98
2.02
2.06
2.57
2.78
2.83
3.07
3.16
3.40
3.53
3.51
growth rate 2.0% 2.0% 24.8% 8.2% 1.8% 8.5% 2.9% 7.6% 3.8% -0.6%
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 6,252.08
7,512.31
7,675.61
8,283.97
8,203.86
8,066.96
growth rate 20.2% 2.2% 7.9% -1.0% -1.7%
Acct.Payable 352.26
374.37
386.73
431.05
406.82
397.38
growth rate 6.3% 3.3% 11.5% -5.6% -2.3%
Cur.Assets 7,456.49
8,847.07
9,053.40
9,460.10
9,792.96
9,367.85
growth rate 18.7% 2.3% 4.5% 3.5% -4.3%
Total Assets 12,880.17
14,417.18
14,831.49
15,625.29
16,499.45
15,608.71
growth rate 11.9% 2.9% 5.4% 5.6% -5.4%
Cash 1,082.44
1,215.98
983.01
611.03
966.84
650.23
growth rate 12.3% -19.2% -37.8% 58.2% -32.8%
Cur.Liabilities 544.57
570.98
601.09
599.35
741.22
2,384.48
growth rate 4.9% 5.3% -0.3% 23.7% 221.7%
Liabilities 8,172.57
9,576.30
10,104.79
10,878.53
11,674.45
11,007.15
growth rate 17.2% 5.5% 7.7% 7.3% -5.7%
LT Debt 6,917.02
1,354.78
1,375.62
1,350.91
2,031.61
1,856.58
growth rate -80.4% 1.5% -1.8% 50.4% -8.6%
Equity 4,557.60
4,690.88
4,576.71
4,596.76
4,675.00
4,451.57
growth rate 2.9% -2.4% 0.4% 1.7% -4.8%
Common Shares 265.00
264.00
263.00
259.00
255.00
252.00
253.00
248.00
241.00
241.00
241.00
growth rate -0.4% -0.4% -1.5% -1.5% -1.2% 0.4% -2.0% -2.8% 0.0% 0.0%
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 14.34
18.01
36.81
42.31
16.55
7.12
growth rate 25.6% 104.4% 14.9% -60.9% -57.0%
Cash Dividends 550.73
551.10
569.00
553.30
550.13
550.61
growth rate 0.1% 3.3% -2.8% -0.6% 0.1%
Cash From OA 715.26
740.94
710.40
736.65
672.10
785.15
growth rate 3.6% -4.1% 3.7% -8.8% 16.8%
FCF per Share 2.24
1.98
1.84
1.99
1.40
1.63
1.70
1.88
growth rate -11.6% -7.1% 8.2% -29.7% 16.4% 4.3% 10.6%
Sale Purchase of Stock 59.79
34.02
14.23
3.38
5.07
growth rate -43.1% -58.2% -76.3% 50.2%
FCF 556.00
685.00
848.00
747.00
664.00
662.00
684.00
509.00
630.00
607.00
729.00
growth rate 23.2% 23.8% -11.9% -11.1% -0.3% 3.3% -25.6% 23.8% -3.7% 20.1%
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 2,720.82
3,057.48
3,160.05
3,173.48
3,292.01
3,414.27
growth rate 12.4% 3.4% 0.4% 3.7% 3.7%
Op.Income 1,104.33
1,187.32
1,215.01
1,167.83
1,319.71
1,294.90
growth rate 7.5% 2.3% -3.9% 13.0% -1.9%
IBT 981.38
964.96
990.79
946.94
784.65
986.09
growth rate -1.7% 2.7% -4.4% -17.1% 25.7%
Net Income 770.75
762.10
780.54
779.30
610.77
776.17
growth rate -1.1% 2.4% -0.2% -21.6% 27.1%
EPS 2.76
2.12
2.77
3.24
2.97
3.02
2.98
3.11
3.19
2.50
3.18
growth rate -23.2% 30.7% 17.0% -8.3% 1.7% -1.3% 4.4% 2.6% -21.6% 27.2%
Gross Profit 1,157.28
1,244.09
1,270.84
1,223.27
1,375.85
1,351.72
growth rate 7.5% 2.2% -3.7% 12.5% -1.8%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 351.61
334.57
316.00
292.73
284.08
growth rate -4.8% -5.6% -7.4% -3.0%
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 8,226.37
8,218.80
8,108.66
8,066.96
8,071.65
growth rate -0.1% -1.3% -0.5% 0.1%
Acct.Payable 359.26
376.47
387.50
397.38
368.74
growth rate 4.8% 2.9% 2.6% -7.2%
Cur.Assets 9,602.93
9,544.75
9,265.69
9,367.85
9,529.19
growth rate -0.6% -2.9% 1.1% 1.7%
Total Assets 15,695.48
15,672.16
15,398.61
15,608.71
15,970.22
growth rate -0.2% -1.8% 1.4% 2.3%
Cash 778.24
721.70
586.67
650.23
837.09
growth rate -7.3% -18.7% 10.8% 28.7%
Cur.Liabilities 2,053.57
2,518.63
2,092.49
2,384.48
2,177.85
growth rate 22.7% -16.9% 14.0% -8.7%
Liabilities 11,262.55
11,155.83
10,847.61
11,007.15
11,431.65
growth rate -1.0% -2.8% 1.5% 3.9%
LT Debt 2,030.40
1,657.00
1,865.70
1,856.58
2,204.87
growth rate -18.4% 12.6% -0.5% 18.8%
Equity 4,282.94
4,366.33
4,401.00
4,451.57
4,388.58
growth rate 2.0% 0.8% 1.2% -1.4%
Common Shares 1,608.96
1,609.58
1,609.83
1,611.26
1,613.39
growth rate 0.0% 0.0% 0.1% 0.1%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 4.51
2.51
1.14
-1.05
5.25
growth rate -44.3% -54.6% -100.0% 100.0%
Cash Dividends 137.59
137.66
137.68
137.68
137.71
growth rate 0.1% 0.0% 0.0% 0.0%
Cash From OA 129.75
207.46
243.67
204.28
28.85
growth rate 59.9% 17.5% -16.2% -85.9%
Sale Purchase of Stock 5.57
0.59
growth rate -89.5%
FCF 125.24
204.94
242.53
203.23
23.60
growth rate 63.6% 18.3% -16.2% -88.4%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 890.85
857.36
831.99
834.07
833.18
growth rate -3.8% -3.0% 0.3% -0.1%
Op.Income 351.61
334.57
316.00
292.73
284.08
growth rate -4.8% -5.6% -7.4% -3.0%
IBT 240.14
264.40
255.54
226.01
214.76
growth rate 10.1% -3.4% -11.6% -5.0%
Net Income 187.75
205.92
200.37
182.13
169.72
growth rate 9.7% -2.7% -9.1% -6.8%
Gross Profit 351.61
334.57
316.00
349.55
284.08
growth rate -4.8% -5.6% 10.6% -18.7%

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:

E (17.56)

YOY Growth Grade:

F (11.90)

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 12.26 12.16
EPS / Growth 1.99

Value Price & Investment Recovery Time

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

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 0.01 1.01 1.01
Future EPS 2.20 2.20 2.20
Value Price
MOS %
0.01
-100.0%
0.55
-97.7%
0.55
-97.7%
MOS Price 0.00 0.27 0.27
IRT 11.42 11.42 11.42

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

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Risk / Reward Ratios

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