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Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. iA Financial's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was C$68 Mil. iA Financial's average total debt for the quarter that ended in Mar. 2026 was C$1,570 Mil. Therefore, iA Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.33%.
iA Financial (TSX:IAG) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
iA Financial Effective Interest Rate on Debt % Related Terms
iA Financial Effective Interest Rate on Debt % Historical Data
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The historical data trend for iA Financial's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
TSX:IAG vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison
For the Insurance - Diversified subindustry, iA Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Insurance Industry
For the Insurance industry and Financial Services sector, iA Financial's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where iA Financial's Effective Interest Rate on Debt % falls into.
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 4.33% mean?
iA Financial (TSX:IAG) has a Effective Interest Rate on Debt % of 4.33% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on iA Financial and its competitors.
Is iA Financial's Effective Interest Rate on Debt % too high?
iA Financial's current Effective Interest Rate on Debt % is 4.33%. Overall, iA Financial has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does iA Financial's Effective Interest Rate on Debt % compare to BRK.A and AIG?
iA Financial's Effective Interest Rate on Debt % of 4.33% 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 Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on iA Financial and its competitors. iA Financial's current Effective Interest Rate on Debt % is 4.33%. 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?
Based on GuruFocus' analysis, iA Financial (TSX:IAG) is currently considered Significantly Overvalued. The stock's GF Value™ is C$136.01, compared to a current price of C$203.84 — trading 49.9% above its estimated fair value. The current Effective Interest Rate on Debt % is 4.33%. iA Financial's overall GF Score™ is 59/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For iA Financial (TSX:IAG), the current Effective Interest Rate on Debt % is 4.33% 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 (TSX:IAG) Overvalued in 2026?
Based on GuruFocus' analysis, iA Financial stock appears to be overvalued.
The current stock price of C$203.84 is trading 49.9% above its estimated GF Value™ of C$136.01.
GuruFocus considers iA Financial to be Significantly Overvalued.
Key valuation signals for TSX:IAG:
Effective Interest Rate on Debt %: 4.33%
GF Value™: C$136.01 vs. price of C$203.84 (49.9% above fair value)
No single metric tells the full story. See the TSX:IAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
59GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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