iA Financial Corporation Inc. (FRA:1OD)

iA Financial Corporation Statistics

Total Valuation

FRA:1OD has a market cap or net worth of EUR 9.39 billion. The enterprise value is 10.34 billion.

Market Cap	9.39B
Enterprise Value	10.34B

Important Dates

The next estimated earnings date is Tuesday, February 17, 2026.

Earnings Date	Feb 17, 2026
Ex-Dividend Date	Nov 21, 2025

Share Statistics

Current Share Class	92.14M
Shares Outstanding	n/a
Shares Change (YoY)	-4.09%
Shares Change (QoQ)	-1.06%
Owned by Insiders (%)	0.17%
Owned by Institutions (%)	34.86%
Float	91.97M

Valuation Ratios

The trailing PE ratio is 14.07 and the forward PE ratio is 12.11.

PE Ratio	14.07
Forward PE	12.11
PS Ratio	1.75
PB Ratio	1.85
P/TBV Ratio	3.98
P/FCF Ratio	26.70
P/OCF Ratio	19.00
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.06, with an EV/FCF ratio of 29.39.

EV / Earnings	15.49
EV / Sales	1.92
EV / EBITDA	10.06
EV / EBIT	11.78
EV / FCF	29.39

Financial Position

The company has a current ratio of 3.30, with a Debt / Equity ratio of 0.34.

Current Ratio	3.30
Quick Ratio	1.36
Debt / Equity	0.34
Debt / EBITDA	1.71
Debt / FCF	4.98
Interest Coverage	23.39

Financial Efficiency

Return on equity (ROE) is 14.34% and return on invested capital (ROIC) is 8.19%.

Return on Equity (ROE)	14.34%
Return on Assets (ROA)	0.79%
Return on Invested Capital (ROIC)	8.19%
Return on Capital Employed (ROCE)	1.21%
Revenue Per Employee	765,304
Profits Per Employee	95,368
Employee Count	7,000
Asset Turnover	0.08
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:1OD has paid 146.24 million in taxes.

Income Tax	146.24M
Effective Tax Rate	17.57%

Stock Price Statistics

The stock price has increased by +16.38% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+16.38%
50-Day Moving Average	98.82
200-Day Moving Average	90.49
Relative Strength Index (RSI)	51.64
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:1OD had revenue of EUR 5.36 billion and earned 667.58 million in profits. Earnings per share was 7.12.

Revenue	5.36B
Gross Profit	2.48B
Operating Income	873.17M
Pretax Income	832.17M
Net Income	667.58M
EBITDA	1.01B
EBIT	873.17M
Earnings Per Share (EPS)	7.12

Balance Sheet

The company has 1.68 billion in cash and 1.75 billion in debt, giving a net cash position of -328.59 million.

Cash & Cash Equivalents	1.68B
Total Debt	1.75B
Net Cash	-328.59M
Net Cash Per Share	n/a
Equity (Book Value)	5.09B
Book Value Per Share	48.46
Working Capital	2.93B

Cash Flow

In the last 12 months, operating cash flow was 494.41 million and capital expenditures -142.57 million, giving a free cash flow of 351.84 million.

Operating Cash Flow	494.41M
Capital Expenditures	-142.57M
Free Cash Flow	351.84M
FCF Per Share	n/a

Margins

Gross margin is 46.24%, with operating and profit margins of 16.30% and 12.80%.

Gross Margin	46.24%
Operating Margin	16.30%
Pretax Margin	15.53%
Profit Margin	12.80%
EBITDA Margin	18.85%
EBIT Margin	16.30%
FCF Margin	6.57%

Dividends & Yields

This stock pays an annual dividend of 2.40, which amounts to a dividend yield of 2.33%.

Dividend Per Share	2.40
Dividend Yield	2.33%
Dividend Growth (YoY)	5.70%
Years of Dividend Growth	11
Payout Ratio	30.69%
Buyback Yield	4.09%
Shareholder Yield	6.42%
Earnings Yield	7.11%
FCF Yield	3.75%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5