Ia Financial Corporation Inc. · TSX:IAG
Ia Financial — Investor Presentation (February 2025)
20 slides from Ia Financial's investor presentation, Feb 24, 2025
Slide 1: Ready for more: A clear path to ROE expansion
U.S. Dealer Services Ready for more A clear path to ROE expansion 2025 INVESTOR EVENT
Slide 2: John Laudenslager, President, iA American Warranty Group
2025 INVESTOR EVENT JOHN LAUDENSLAGER President iA American Warranty Group 2
Slide 3: Key takeaways
2025 U.S. DEALER SERVICES INVESTOR EVENT Key takeaways Preferred partner Robust and Positioned to offering one-stop diversified grow and scale shop and value-driven business model the business, solutions for U.S. with strong leading to ROE1 dealerships risk management expansion 3 For all footnotes o
Slide 4: A well-established position in the U.S. vehicle warranty market
2025 U.S. DEALER SERVICES INVESTOR EVENT A well-established position in the U.S. vehicle warranty market Strategically positioned with strong market presence and national reach • Servicing automotive dealers across the United States • Estimated market share of ~5% • Top 8 in fragmented industry, wit
Slide 5: Diversified business model
2025 U.S. DEALER SERVICES INVESTOR EVENT Diversified business model Multi-faceted diversification brings resiliency Diversification by Diversification by Diversification by product type vehicle type distribution channels Addressing consumers’ Good balance between Less than 50% in any needs with a co
Slide 6: One-stop partner for U.S. dealerships
2025 U.S. DEALER SERVICES INVESTOR EVENT One-stop partner for U.S. dealerships Providing a full product suite iA is one of a handful of to dealers and clients full-suite providers in the U.S. • To meet the needs of vehicle buyers and dealerships • To complement and enhance Mechanical Damage OEM-prov
Slide 7: Much more than products
2025 U.S. DEALER SERVICES INVESTOR EVENT Much more than products To increase dealer performance and Value-driven solutions enhance partnership alignment and services Offering solutions Training, Fostering solid field support Reinsurance relationships to tailored to dealers & income formation & and a
Slide 8: Industry leader in F&I training and income development
2025 U.S. DEALER SERVICES INVESTOR EVENT Industry leader in F&I training and income development • Market-leading in training, as evidenced by the 3 Dealers’ Choice Awards won in 2024 • Enabling higher F&I performance and profitability • Empowering dealerships of all sizes F&I Field Income Building T
Slide 9: Diversified distribution channels for more growth opportunities
2025 U.S. DEALER SERVICES INVESTOR EVENT Diversified distribution channels for more growth opportunities Dealers Assurance Company National Accounts DAC Third Party Dealer Channel Agent Channel Channel Channel 44% of 34% of 13% of 9% of revenue revenue revenue revenue Corporate Partner Third Party A
Slide 10: Varied distribution channels and fee models
2025 U.S. DEALER SERVICES INVESTOR EVENT Varied distribution channels and fee models Dealers Dealers Assurance Assurance Company Company A key revenue High-volume driver, leveraging growth various fee streams opportunities National Accounts DAC Third Party Dealer Channel Agent Channel Channel Channe
Slide 11: Building success from a solid base, with key strengths
2025 U.S. DEALER SERVICES INVESTOR EVENT Building success from a solid base, with key strengths Vision and culture Proactive and agile risk management • Experienced leadership Proactively adapting to changing market conditions team with specific • ~5-year contracts allowing for ongoing repricing agi
Slide 12: Improving the F&I environment opens up favourable opportunities
2025 U.S. DEALER SERVICES INVESTOR EVENT Improving the F&I environment opens up favourable opportunities New vehicule inventory1 (M) 3.5 3 Higher vehicle 2.5 inventory Lower vehicle 2 1.5 More OEM prices 1 & incentives More room for 0.5 Interest rates F&I products easing Incentives as % of average
Slide 13: Scaling distribution with increased focus on high-potential channels
2025 U.S. DEALER SERVICES INVESTOR EVENT Scaling distribution with increased focus on high-potential channels Focus on distribution channels with most potential Targeting small to midsize • Primary focus on Dealer and DAC dealership groups and midsize Third Party Channels Third Party Administrators
Slide 14: Earnings growth drivers
2025 U.S. DEALER SERVICES INVESTOR EVENT Earnings growth drivers Clear path to profitable growth Sales1 Distribution F&I Environment • Keep 2024 sales growth momentum • Increase and strengthen • Significantly and rapidly improving Financial • Targeting2 10%+ relationships • Increasing target2 annual
Slide 15: Appendix
Appendix 2025 INVESTOR EVENT
Slide 16: Full product line
2025 APPENDIX – READY FOR MORE, A CLEAR PATH TO ROE EXPANSION – JOHN LAUDENSLAGER INVESTOR EVENT Full product line Vehicle Service Coverage for mechanical and electrical breakdowns after factory warranty Contract (VSC) expires Tire and Wheel Coverage for damage inflicted to tires and wheels due to r
Slide 17: Footnotes
2025 APPENDIX – READY FOR MORE, A CLEAR PATH TO ROE EXPANSION – JOHN LAUDENSLAGER INVESTOR EVENT Footnotes Slide 3 (1) ROE means Return on common shareholder’s equity and is equal to the consolidated net income attributed to common shareholders divided by the average common shareholders’ equity for
Slide 18: Non-IFRS and Additional Financial Measures
2025 APPENDIX – READY FOR MORE, A CLEAR PATH TO ROE EXPANSION – JOHN LAUDENSLAGER INVESTOR EVENT Non-IFRS and Additional Financial Measures iA Financial Corporation (hereinafter referred to as the “Company”) reports its financial results and statements in accordance with IFRS® Accounting Standards (
Slide 19: Forward-looking statements
2025 APPENDIX – READY FOR MORE, A CLEAR PATH TO ROE EXPANSION – JOHN LAUDENSLAGER INVESTOR EVENT Forward-looking statements This document may contain statements relating to strategies used by iA Financial Group or statements that are predictive or otherwise forward-looking in nature, that depend upo
Slide 20: February 24, 2025
FEBRUARY 24, 2025 20