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iA Financial (IAG) investor relations material
iA Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Completed acquisition of RF Capital Group for CAD 693 million, expanding presence in high-net-worth wealth management and strengthening the national footprint; integration and synergy plan underway with advisor retention strategy.
Core EPS rose 18% year-over-year to CAD 3.47, with trailing-12-month core ROE at 17.2%, meeting the 2027 target.
Net income attributed to common shareholders increased 29% year-over-year to CAD 364 million; diluted EPS up 31% to CAD 3.91.
Assets under management and administration reached CAD 288.8 billion, up 15% year-over-year.
Ongoing organic capital generation and a pro forma capital available for deployment of CAD 1.3 billion after the RF Capital acquisition and regulatory changes.
Financial highlights
Core earnings for Q3 were CAD 323 million, up 17% year-over-year; book value per share increased to CAD 79.22, up 11% year-over-year.
Solvency ratio at 138% (pro forma 135% post-RF Capital and CARLI guideline), well above regulatory minimum.
Organic capital generation of CAD 170 million in Q3; year-to-date CAD 495 million, on track for 2025 target of CAD 650 million+.
Dividend payout ratio at 28.3% for the year, within the 25–35% target range.
527,000 shares repurchased in Q3 for CAD 77 million; NCIB program renewed, authorizing repurchase of up to 5% of outstanding shares.
Outlook and guidance
Confident in meeting/exceeding 2025 and 2027 financial targets, including 10%+ annual average core EPS growth, 17%+ core ROE, and CAD 650 million+ organic capital generation.
RF Capital acquisition expected to be neutral to core earnings in year one, accretive by at least CAD 0.15 to core EPS in year two; may be accretive in year one if favorable trends persist.
Continued focus on disciplined capital deployment, organic growth, and strategic acquisitions.
Revised CARLI guidelines expected to positively impact solvency and capital in 2026.
RF Capital acquisition's capital impact?
Expected impact of 2026 CARLI changes?
What factors offset solvency ratio improvements?
RF Capital: What changed for year 1 accretion?
US Dealer Services: Path to adequate profitability?
Organic capital growth vs. core EPS growth?
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Next iA Financial earnings date
Q4 202517 Feb, 2026
Next iA Financial earnings date
Q4 202517 Feb, 2026
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Frequently asked questions
iA Financial Corporation Inc is a Canadian financial services company offering life and health insurance, wealth management, and retirement savings products. The company serves individuals and businesses through a network of advisers and institutional partners. The company is headquartered in Quebec City, Canada, and its shares are listed on the TSX.
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