INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Fundamental Analysis & Valuation

TSX:IFC-PR-A • CA45823T3047

22.46 CAD
+0.02 (+0.09%)
Last: Mar 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This IFC-PR-A.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to IFC-PR-A. IFC-PR-A was compared to 80 industry peers in the Insurance industry. IFC-PR-A scores excellent on profitability, but there are some minor concerns on its financial health. IFC-PR-A is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

7

1. IFC-PR-A.CA Profitability Analysis

1.1 Basic Checks

  • IFC-PR-A had positive earnings in the past year.
  • In the past year IFC-PR-A had a positive cash flow from operations.
  • In the past 5 years IFC-PR-A has always been profitable.
  • Each year in the past 5 years IFC-PR-A had a positive operating cash flow.
IFC-PR-A.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-A.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • With an excellent Return On Assets value of 5.21%, IFC-PR-A belongs to the best of the industry, outperforming 98.75% of the companies in the same industry.
  • IFC-PR-A has a Return On Equity of 15.72%. This is amongst the best in the industry. IFC-PR-A outperforms 95.00% of its industry peers.
  • IFC-PR-A has a better Return On Invested Capital (7.52%) than 98.75% of its industry peers.
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROIC 7.52%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
IFC-PR-A.CA Yearly ROA, ROE, ROICIFC-PR-A.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • IFC-PR-A has a Profit Margin of 12.01%. This is in the better half of the industry: IFC-PR-A outperforms 80.00% of its industry peers.
  • In the last couple of years the Profit Margin of IFC-PR-A has grown nicely.
  • IFC-PR-A has a Operating Margin of 21.11%. This is in the better half of the industry: IFC-PR-A outperforms 77.50% of its industry peers.
  • IFC-PR-A's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 21.11%
PM (TTM) 12.01%
GM N/A
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
IFC-PR-A.CA Yearly Profit, Operating, Gross MarginsIFC-PR-A.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. IFC-PR-A.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), IFC-PR-A is creating some value.
  • The number of shares outstanding for IFC-PR-A has been reduced compared to 1 year ago.
  • IFC-PR-A has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, IFC-PR-A has an improved debt to assets ratio.
IFC-PR-A.CA Yearly Shares OutstandingIFC-PR-A.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 2025 50M 100M 150M
IFC-PR-A.CA Yearly Total Debt VS Total AssetsIFC-PR-A.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2024 2025 20B 40B 60B

2.2 Solvency

  • IFC-PR-A has a debt to FCF ratio of 1.34. This is a very positive value and a sign of high solvency as it would only need 1.34 years to pay back of all of its debts.
  • IFC-PR-A has a better Debt to FCF ratio (1.34) than 78.75% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that IFC-PR-A is not too dependend on debt financing.
  • The Debt to Equity ratio of IFC-PR-A (0.25) is better than 90.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1.34
WACC5.63%
IFC-PR-A.CA Yearly LT Debt VS Equity VS FCFIFC-PR-A.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFC-PR-A.CA Yearly Current Assets VS Current LiabilitesIFC-PR-A.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. IFC-PR-A.CA Growth Analysis

3.1 Past

  • IFC-PR-A shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.06%, which is quite impressive.
  • IFC-PR-A shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.12% yearly.
  • Looking at the last year, IFC-PR-A shows a small growth in Revenue. The Revenue has grown by 2.93% in the last year.
  • The Revenue has been growing by 16.74% on average over the past years. This is quite good.
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%

3.2 Future

  • Based on estimates for the next years, IFC-PR-A will show a small growth in Earnings Per Share. The EPS will grow by 0.85% on average per year.
  • The Revenue is expected to grow by 6.81% on average over the next years.
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
IFC-PR-A.CA Yearly Revenue VS EstimatesIFC-PR-A.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
IFC-PR-A.CA Yearly EPS VS EstimatesIFC-PR-A.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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8

4. IFC-PR-A.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.17, which indicates a rather cheap valuation of IFC-PR-A.
  • IFC-PR-A's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-A is cheaper than 98.75% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, IFC-PR-A is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 1.27, the valuation of IFC-PR-A can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, IFC-PR-A is valued cheaply inside the industry as 98.75% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 23.82. IFC-PR-A is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.17
Fwd PE 1.27
IFC-PR-A.CA Price Earnings VS Forward Price EarningsIFC-PR-A.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 97.50% of the companies in the same industry are more expensive than IFC-PR-A, based on the Enterprise Value to EBITDA ratio.
  • 96.25% of the companies in the same industry are more expensive than IFC-PR-A, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.01
EV/EBITDA 1.18
IFC-PR-A.CA Per share dataIFC-PR-A.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The decent profitability rating of IFC-PR-A may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.08
EPS Next 2Y-0.58%
EPS Next 3Y0.85%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. IFC-PR-A.CA Dividend Analysis

5.1 Amount

  • IFC-PR-A has a Yearly Dividend Yield of 2.30%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 3.81, IFC-PR-A is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, IFC-PR-A pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.3%

5.2 History

  • On average, the dividend of IFC-PR-A grows each year by 15.73%, which is quite nice.
  • IFC-PR-A has been paying a dividend for at least 10 years, so it has a reliable track record.
  • IFC-PR-A has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)15.73%
Div Incr Years0
Div Non Decr Years6
IFC-PR-A.CA Yearly Dividends per shareIFC-PR-A.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 31.66% of the earnings are spent on dividend by IFC-PR-A. This is a low number and sustainable payout ratio.
  • IFC-PR-A's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.66%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
IFC-PR-A.CA Yearly Income VS Free CF VS DividendIFC-PR-A.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
IFC-PR-A.CA Dividend Payout.IFC-PR-A.CA Dividend Payout, showing the Payout Ratio.IFC-PR-A.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

IFC-PR-A.CA Fundamentals: All Metrics, Ratios and Statistics

INTACT FINANCIAL CORP - IFCCN 4.841 PERP

TSX:IFC-PR-A (3/12/2026, 7:00:00 PM)

22.46

+0.02 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners45.24%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap3.99B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target27.52 (22.53%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.3%
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr Years0
Div Non Decr Years6
Ex-Date03-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)7.9%
Max EPS beat(2)16.68%
EPS beat(4)4
Avg EPS beat(4)16.77%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)31.32%
EPS beat(12)11
Avg EPS beat(12)25.92%
EPS beat(16)14
Avg EPS beat(16)21.3%
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.39%
Revenue beat(16)7
Avg Revenue beat(16)6.71%
PT rev (1m)-1.86%
PT rev (3m)9.31%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)0.28%
EPS NY rev (1m)0.4%
EPS NY rev (3m)0.48%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 1.17
Fwd PE 1.27
P/S 0.15
P/FCF 1.01
P/OCF 0.91
P/B 0.19
P/tB 0.36
EV/EBITDA 1.18
EPS(TTM)19.2
EY85.49%
EPS(NY)17.74
Fwd EY78.98%
FCF(TTM)22.14
FCFY98.57%
OCF(TTM)24.71
OCFY110.03%
SpS153.62
BVpS117.35
TBVpS62.21
PEG (NY)N/A
PEG (5Y)0.08
Graham Number225.15
Profitability
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROCE 9.51%
ROIC 7.52%
ROICexc 7.69%
ROICexgc 10.29%
OM 21.11%
PM (TTM) 12.01%
GM N/A
FCFM 14.41%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y15.83%
ROICexgc growth 5Y12.36%
ROICexc growth 3Y16.69%
ROICexc growth 5Y11.57%
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Debt/EBITDA 0.8
Cap/Depr 57.34%
Cap/Sales 1.68%
Interest Coverage 25.37
Cash Conversion 66.94%
Profit Quality 120.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC5.63%
ROIC/WACC1.34
Cap/Depr(3y)64.38%
Cap/Depr(5y)67.42%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.77%
Profit Quality(3y)122.24%
Profit Quality(5y)128.87%
High Growth Momentum
Growth
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
Revenue Next 5YN/A
EBIT growth 1Y39.89%
EBIT growth 3Y22.87%
EBIT growth 5Y26.22%
EBIT Next Year8.2%
EBIT Next 3Y5.94%
EBIT Next 5YN/A
FCF growth 1Y32.89%
FCF growth 3Y6.5%
FCF growth 5Y12.42%
OCF growth 1Y29.55%
OCF growth 3Y6.19%
OCF growth 5Y13.28%

INTACT FINANCIAL CORP - IFCCN 4.841 PERP / IFC-PR-A.CA FAQ

Can you provide the ChartMill fundamental rating for INTACT FINANCIAL CORP - IFCCN 4.841 PERP?

ChartMill assigns a fundamental rating of 6 / 10 to IFC-PR-A.CA.


What is the valuation status for IFC-PR-A stock?

ChartMill assigns a valuation rating of 8 / 10 to INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA). This can be considered as Undervalued.


How profitable is INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) stock?

INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) has a profitability rating of 7 / 10.


What are the PE and PB ratios of INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) stock?

The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) is 1.17 and the Price/Book (PB) ratio is 0.19.


What is the earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 4.841 PERP?

The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) is expected to decline by -7.61% in the next year.