Normand Pepin - IA Financial President
President
Mr. Normand Pepin, F.S.A., F.C.I.A., is an Executive Vice President and Assistant to the President of Industrial Alliance Insurance and Financial Services Inc. From 1996 to 2015 Mr. Pepin served as Executive VicePresident, Life Subsidiaries and Individual Insurance and Annuities. since 2015.
| Tenure | 9 years |
| Phone | 418-684-5000 |
| Web | http://www.ia.ca |
IA Financial Management Efficiency
The company has return on total asset (ROA) of 0.88 % which means that it generated a profit of $0.88 on every $100 spent on assets. This is way below average. Similarly, it shows a return on equity (ROE) of 11.74 %, meaning that it generated $11.74 on every $100 dollars invested by stockholders. IA Financial's management efficiency ratios could be used to measure how well IA Financial manages its routine affairs as well as how well it operates its assets and liabilities.The company has accumulated 1.69 B in total debt with debt to equity ratio (D/E) of 38.4, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. IA Financial has a current ratio of 0.9, indicating that it has a negative working capital and may not be able to pay financial obligations in time and when they become due. Debt can assist IA Financial until it has trouble settling it off, either with new capital or with free cash flow. So, IA Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like IA Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for IDLLF to invest in growth at high rates of return. When we think about IA Financial's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 11.74 | |||
| Return On Asset | 0.88 |
IA Financial Leadership Team
Elected by the shareholders, the IA Financial's board of directors comprises two types of representatives: IA Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of IDLLF. The board's role is to monitor IA Financial's management team and ensure that shareholders' interests are well served. IA Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, IA Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Douglas Carrothers, Vice President - Legal Services | ||
| Danielle Morin, Director | ||
| Pierre Miron, Executive Vice President - Information Systems | ||
| Jocelyne Bourgon, Director | ||
| L Gadbois, Independent Director | ||
| Clement Gignac, Senior Vice President and Chief Economist | ||
| Francis McGuire, Independent Director | ||
| Denis Ricard, Senior Vice President - Business Development | ||
| Bruno Michaud, Senior Vice President - Administration and Sales | ||
| John LeBoutillier, Non-Executive Independent Chairman of the Board | ||
| Carl Mustos, President IA Clarington Investments Inc. | ||
| Renee Laflamme, Executive Vice President - Group Benefits and Retirement Solutions | ||
| Yvon Charest, President CEO, Director | ||
| Robert Coallier, Independent Director | ||
| Michael Hanley, Director | ||
| Jacques Parent, Senior Vice President - Group Insurance | ||
| Nicolas DarveauGarneau, Independent Director | ||
| Mary Ritchie, Independent Director | ||
| Rene Chabot, Senior Vice President Chief Actuary | ||
| Michel Tremblay, Executive Vice President Chief Investment Officer | ||
| Claude Lamoureux, Independent Director | ||
| Normand Pepin, Executive Vice President - Life Subsidiaries & Individual Insurance and Annuities | ||
| Jacques Martin, Independent Director | ||
| Emma Griffin, Independent Director | ||
| Normand Gervais, Vice President | ||
| JeanFrancois Boulet, Senior Vice President - Human Resources and Communications | ||
| Louis Tetu, Independent Director | ||
| Guy Daneau, Senior Vice President - Information Systems | ||
| Michael Stickney, President of IA American Life Insurance Company | ||
| Pierre Brodeur, Independent Director | ||
| Denyse Chicoyne, Director | ||
| James Pantelidis, Independent Director | ||
| Agathe Cote, Independent Director | ||
| Marc Poulin, Independent Director |
IDLLF Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is IA Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 11.74 | |||
| Return On Asset | 0.88 | |||
| Profit Margin | 6.40 % | |||
| Current Valuation | 3.48 B | |||
| Shares Outstanding | 109.66 M | |||
| Price To Earning | 7.78 X | |||
| Price To Book | 0.89 X | |||
| Price To Sales | 0.42 X | |||
| Revenue | 8.27 B | |||
| Gross Profit | 2.33 B |
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Other Consideration for investing in IDLLF Pink Sheet
If you are still planning to invest in IA Financial check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the IA Financial's history and understand the potential risks before investing.
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