iA Financial (FRA:1OD) Cyclically Adjusted FCF per Share: €4.70 (As of Mar. 2026)

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FRA:1OD iA Financial Corp Inc FRA:1OD
57 GF Score
Price €129.00
GF Value €84.55
! 8 Warning Signs
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What is iA Financial Cyclically Adjusted FCF per Share?

iA Financial FRA:1OD +2.38% 57 Cyclically Adjusted FCF per Share is €4.70 as of Mar. 2026. GuruFocus rates FRA:1OD with a GF Score™ of 57/100 and a GF Value™ of €84.55. The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

iA Financial's adjusted free cash flow per share for the three months ended in Mar. 2026 was €2.234. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €4.70 for the trailing ten years ended in Mar. 2026.

During the past 12 months, iA Financial's average Cyclically Adjusted FCF Growth Rate was 18.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 29.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 12.60% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -1.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of iA Financial was 29.70% per year. The lowest was -12.60% per year. And the median was -6.95% per year.

As of today (2026-08-01), iA Financial's current stock price is €129.00. iA Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €4.70. iA Financial's Cyclically Adjusted Price-to-FCF of today is 27.45.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of iA Financial was 30.03. The lowest was 6.66. And the median was 17.87.


iA Financial  (FRA:1OD) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

iA Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=129.00/4.70
=27.45

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of iA Financial was 30.03. The lowest was 6.66. And the median was 17.87.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


iA Financial Cyclically Adjusted FCF per Share Related Terms


iA Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for iA Financial's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

iA Financial Cyclically Adjusted FCF per Share Chart

iA Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.30 2.28 3.18 3.53 4.44

iA Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.13 4.10 4.15 4.44 4.70

FRA:1OD vs BRK.A, AIG, HIG: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Diversified subindustry, iA Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


iA Financial Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, iA Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where iA Financial's Cyclically Adjusted Price-to-FCF falls into.


FRA:1OD
57GF Score
iA Financial Corp Inc FRA:1OD
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

iA Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, iA Financial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.234/132.2623*132.2623
=2.234

Current CPI (Mar. 2026) = 132.2623.

iA Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.831 102.002 1.078
201609 -0.475 101.765 -0.617
201612 -1.428 101.449 -1.862
201703 -0.248 102.634 -0.320
201706 1.132 103.029 1.453
201709 3.819 103.345 4.888
201712 -1.361 103.345 -1.742
201803 -1.486 105.004 -1.872
201806 0.030 105.557 0.038
201809 3.007 105.636 3.765
201812 -0.220 105.399 -0.276
201903 0.110 106.979 0.136
201906 1.867 107.690 2.293
201909 -1.269 107.611 -1.560
201912 0.945 107.769 1.160
202003 10.118 107.927 12.399
202006 -3.533 108.401 -4.311
202009 2.195 108.164 2.684
202012 1.343 108.559 1.636
202103 -3.317 110.298 -3.978
202106 0.233 111.720 0.276
202109 1.230 112.905 1.441
202112 1.492 113.774 1.734
202203 -0.392 117.646 -0.441
202206 0.746 120.806 0.817
202209 -0.414 120.648 -0.454
202212 2.169 120.964 2.372
202303 3.803 122.702 4.099
202306 -1.760 124.203 -1.874
202309 1.835 125.230 1.938
202312 3.185 125.072 3.368
202403 1.991 126.258 2.086
202406 5.458 127.522 5.661
202409 3.214 127.285 3.340
202412 -5.550 127.364 -5.763
202503 5.628 129.181 5.762
202506 1.485 129.892 1.512
202509 2.013 130.287 2.044
202512 5.066 130.366 5.140
202603 2.234 132.262 2.234

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €4.70 mean?
iA Financial (FRA:1OD) has a Cyclically Adjusted FCF per Share of €4.70 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on iA Financial and its competitors.
Is iA Financial's Cyclically Adjusted FCF per Share too high?
iA Financial's current Cyclically Adjusted FCF per Share is €4.70. Overall, iA Financial has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does iA Financial's Cyclically Adjusted FCF per Share compare to BRK.A and AIG?
iA Financial's Cyclically Adjusted FCF per Share of €4.70 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on iA Financial and its competitors. iA Financial's current Cyclically Adjusted FCF per Share is €4.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is iA Financial stock overvalued right now?
iA Financial (FRA:1OD) has a current Cyclically Adjusted FCF per Share of €4.70. The stock's GF Value™ is €84.55, compared to a current price of €129.00 — trading 52.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €4.70. iA Financial's overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For iA Financial (FRA:1OD), the current Cyclically Adjusted FCF per Share is €4.70 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is iA Financial (FRA:1OD) Overvalued in 2026?

Based on GuruFocus' analysis, iA Financial stock appears to be overvalued. The current stock price of €129.00 is trading 52.6% above its estimated GF Value™ of €84.55.

Key valuation signals for FRA:1OD:

  • Cyclically Adjusted FCF per Share: €4.70
  • GF Value™: €84.55 vs. price of €129.00 (52.6% above fair value)
  • GF Score™: 57/100 with 8 warning signs

No single metric tells the full story. See the FRA:1OD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


iA Financial Business Description

Address 1080 Grande Allee West, Quebec, QC, CAN, G1S 1C7
iA Financial Corp Inc is an insurance and wealth management group based in Canada. It offers various life and health insurance products, savings and retirement plans, mutual funds, securities, loans, auto and home insurance, creditor insurance, replacement insurance, replacement warranties, extended warranties, and other ancillary products for dealer services and other financial products and services. The company's products and services are offered on both an individual and group basis and extend throughout Canada and the United States. Its operating segments are: Insurance, Canada; Wealth Management; U.S. Operations; Investment; and Corporate. Maximum revenue is generated from the Insurance, Canada segment.
57GF Score

Get the complete analysis for FRA:1OD

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€129.00
Price
€84.55
GF Value