iA Financial Corporation Inc.

DB:1OD Stock Report

Market Cap: €8.2b

iA Financial Valuation

Is 1OD undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 1OD when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
€241.09
Fair Value
63.5% undervalued intrinsic discount
8
Number of Analysts

Below Fair Value: 1OD (€88) is trading below our estimate of fair value (€241.09)

Significantly Below Fair Value: 1OD is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 1OD?

Key metric: As 1OD is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 1OD. This is calculated by dividing 1OD's market cap by their current earnings.
What is 1OD's PE Ratio?
PE Ratio12.6x
EarningsCA$970.00m
Market CapCA$12.24b

Price to Earnings Ratio vs Peers

How does 1OD's PE Ratio compare to its peers?

The above table shows the PE ratio for 1OD vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average15.7x
WUW Wüstenrot & Württembergische
26.4x25.4%€1.1b
TLX Talanx
11.2x5.3%€21.2b
HNR1 Hannover Rück
13.6x7.1%€30.7b
MUV2 Münchener Rückversicherungs-Gesellschaft in München
11.6x3.3%€66.3b
1OD iA Financial
12.6x6.1%€12.2b

Price-To-Earnings vs Peers: 1OD is good value based on its Price-To-Earnings Ratio (12.6x) compared to the peer average (15.7x).

Price to Earnings Ratio vs Industry

How does 1OD's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
1OD 12.6xIndustry Avg. 12.2xNo. of Companies12PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 1OD is expensive based on its Price-To-Earnings Ratio (12.6x) compared to the European Insurance industry average (12.2x).

Price to Earnings Ratio vs Fair Ratio

What is 1OD's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

1OD PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.6x
Fair PE Ratio10.5x

Price-To-Earnings vs Fair Ratio: 1OD is expensive based on its Price-To-Earnings Ratio (12.6x) compared to the estimated Fair Price-To-Earnings Ratio (10.5x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 1OD forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€88.00
€93.96
+6.8%
3.3%€96.93€88.12n/a8
Jan ’26€87.50
€90.69
+3.6%
5.1%€95.27€80.61n/a8
Dec ’25€89.00
€91.66
+3.0%
5.1%€96.73€81.85n/a8
Nov ’25€74.50
€78.91
+5.9%
7.1%€87.44€69.55n/a8
Oct ’25€74.00
€71.55
-3.3%
4.8%€76.06€65.38n/a8
Sep ’25€68.50
€71.55
+4.5%
4.8%€76.06€65.38n/a8
Aug ’25€62.00
€68.45
+10.4%
5.3%€74.15€62.12n/a8
Jul ’25€58.00
€68.74
+18.5%
4.2%€73.33€63.14n/a8
Jun ’25€59.50
€68.74
+15.5%
4.2%€73.33€63.14n/a8
May ’25€58.00
€67.46
+16.3%
4.6%€70.28€60.72n/a8
Apr ’25€57.50
€67.48
+17.4%
5.1%€72.07€60.51n/a8
Mar ’25€57.00
€67.89
+19.1%
5.3%€72.33€60.73n/a8
Feb ’25€62.50
€69.74
+11.6%
3.8%€72.84€64.59n/a8
Jan ’25€61.00
€66.65
+9.3%
3.4%€69.57€62.88€87.508
Dec ’24€61.00
€66.65
+9.3%
3.4%€69.57€62.88€89.008
Nov ’24€55.00
€69.46
+26.3%
4.5%€75.81€65.37€74.508
Oct ’24€59.50
€68.18
+14.6%
4.3%€74.14€64.61€74.008
Sep ’24€57.50
€68.18
+18.6%
4.3%€74.14€64.61€68.508
Aug ’24€62.50
€68.52
+9.6%
4.9%€75.37€65.09€62.009
Jul ’24€61.50
€66.60
+8.3%
2.7%€70.60€64.49€58.009
Jun ’24€60.00
€66.60
+11.0%
2.7%€70.60€64.49€59.509
May ’24€60.50
€65.18
+7.7%
4.1%€69.53€61.51€58.009
Apr ’24€57.00
€67.50
+18.4%
3.7%€72.41€64.05€57.509
Mar ’24€63.00
€67.50
+7.1%
3.7%€72.41€64.05€57.009
Feb ’24€56.50
€61.86
+9.5%
6.1%€70.23€57.84€62.509
Jan ’24€55.00
€59.67
+8.5%
5.4%€64.68€53.78€61.009
Analyst Price Target
Consensus Narrative from 8 Analysts
€93.02
Fair Value
5.4% undervalued intrinsic discount
8
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/20 15:16
End of Day Share Price 2025/01/17 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

iA Financial Corporation Inc. is covered by 18 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Tom MacKinnonBMO Capital Markets Equity Research
Dennis WestfallBofA Global Research
Scott ChanCanaccord Genuity