iA Financial (TSX:IAG) Moat Score: 5/10 (As of Jul. 05, 2026)


TSX:IAG iA Financial Corp Inc TSX:IAG
58 GF Score
Price C$203.87
GF Value C$136.39
Valuation Significantly Overvalued
! 8 Warning Signs
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What is iA Financial Moat Score?

iA Financial TSX:IAG +2.15% 58 Moat Score is 5 as of Jul. 05, 2026. GuruFocus rates TSX:IAG with a GF Score™ of 58/100 and a GF Value™ of C$136.39 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 599 Insurance companies, iA Financial ranks better than 88.81% on this metric.

iA Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

iA Financial has Narrow Moat: iA Financial has a solid narrow moat due to its established brand and customer loyalty in the financial services sector. It benefits from economies of scale and regulatory barriers, but lacks significant network effects or unique intellectual property.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes iA Financial might have Narrow Moat - Solid narrow moat.

iA Financial  (TSX:IAG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

iA Financial Moat Score Related Terms

TSX:IAG vs BRK.A, AIG, HIG: Moat Score Comparison

For the Insurance - Diversified subindustry, iA Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, iA Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where iA Financial's Moat Score falls into.


TSX:IAG
58GF Score
iA Financial Corp Inc TSX:IAG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
iA Financial (TSX:IAG) has a Moat Score of 5 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, iA Financial ranks #67 out of 599 companies in the Insurance industry, placing it in the top 11.2%.
Is iA Financial's Moat Score too high?
iA Financial's current Moat Score is 5. Based on the distribution chart, iA Financial ranks #67 out of 599 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, iA Financial has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does iA Financial's Moat Score compare to BRK.A and AIG?
According to the Insurance industry distribution chart, iA Financial ranks #67 out of 599 companies for Moat Score. This places iA Financial in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. iA Financial's current Moat Score is 5. 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$136.39, compared to a current price of C$203.87 — trading 49.5% above its estimated fair value. The current Moat Score is 5. iA Financial's overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For iA Financial (TSX:IAG), the current Moat Score is 5 as of Jul. 05, 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$203.87 is trading 49.5% above its estimated GF Value™ of C$136.39. GuruFocus considers iA Financial to be Significantly Overvalued.

Key valuation signals for TSX:IAG:

  • Moat Score: 5
  • GF Value™: C$136.39 vs. price of C$203.87 (49.5% above fair value)
  • GF Score™: 58/100 with 8 warning signs

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 Business Description

Other Exchanges IAFNF:USA1OD:Germany
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.
58GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

C$203.87
Price
C$136.39
GF Value