INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-A - CA45823T3047
21.94 CAD
0 (0%)
Overall IFC-PR-A gets a fundamental rating of 6 out of 10. We evaluated IFC-PR-A against 80 industry peers in the Insurance industry. IFC-PR-A scores excellent on profitability, but there are concerns on its financial health. IFC-PR-A is valued quite cheap, while showing a decent growth score. This is a good combination! Finally IFC-PR-A also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-A was profitable.
IFC-PR-A had a positive operating cash flow in the past year.
Each year in the past 5 years IFC-PR-A has been profitable.
In the past 5 years IFC-PR-A always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.73%, IFC-PR-A belongs to the top of the industry, outperforming 97.50% of the companies in the same industry.
The Return On Equity of IFC-PR-A (14.93%) is better than 93.75% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.85%, IFC-PR-A belongs to the top of the industry, outperforming 98.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.73% | ||
| ROE | 14.93% | ||
| ROIC | 6.85% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
IFC-PR-A has a Profit Margin of 11.20%. This is in the better half of the industry: IFC-PR-A outperforms 80.00% of its industry peers.
IFC-PR-A's Profit Margin has improved in the last couple of years.
IFC-PR-A has a Operating Margin of 20.28%. 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.28% | ||
| PM (TTM) | 11.2% | ||
| GM | N/A |
OM growth 3Y-0.02%
OM growth 5Y12.07%
PM growth 3Y-9.83%
PM growth 5Y5.98%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-A is destroying value.
IFC-PR-A has more shares outstanding than it did 5 years ago.
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 81.25% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that IFC-PR-A is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.27, IFC-PR-A is doing good in the industry, outperforming 76.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.95
WACC7.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC-PR-A shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.54%, which is quite impressive.
Measured over the past years, IFC-PR-A shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
Looking at the last year, IFC-PR-A shows a decrease in Revenue. The Revenue has decreased by -1.02% in the last year.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
EPS 1Y (TTM)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%344.47%
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%26.12%
3.2 Future
IFC-PR-A is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.44% yearly.
IFC-PR-A is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.86% yearly.
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.52 indicates a rather cheap valuation of IFC-PR-A.
95.00% of the companies in the same industry are more expensive than IFC-PR-A, based on the Price/Earnings ratio.
IFC-PR-A's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.89.
The Price/Forward Earnings ratio is 1.25, which indicates a rather cheap valuation of IFC-PR-A.
Based on the Price/Forward Earnings ratio, IFC-PR-A is valued cheaper than 96.25% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. IFC-PR-A is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.52 | ||
| Fwd PE | 1.25 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-A is valued cheaper than 93.75% of the companies in the same industry.
IFC-PR-A's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IFC-PR-A is cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.96 | ||
| EV/EBITDA | 1.19 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
IFC-PR-A has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.06
PEG (5Y)0.08
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.52%, IFC-PR-A is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.58, IFC-PR-A pays a better dividend. On top of this IFC-PR-A pays more dividend than 100.00% of the companies listed in the same industry.
IFC-PR-A's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
5.2 History
IFC-PR-A has paid a dividend for at least 10 years, which is a reliable track record.
As IFC-PR-A did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
IFC-PR-A pays out 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP
TSX:IFC-PR-A (11/14/2025, 7:00:00 PM)
21.94
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.23%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap3.90B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target26.07 (18.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)8.73%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)20.35%
Revenue beat(4)1
Avg Revenue beat(4)3.75%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)20.35%
Revenue beat(8)2
Avg Revenue beat(8)0.88%
Revenue beat(12)4
Avg Revenue beat(12)1.44%
Revenue beat(16)8
Avg Revenue beat(16)8.24%
PT rev (1m)-6.74%
PT rev (3m)-1.06%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)0.02%
EPS NY rev (1m)1.34%
EPS NY rev (3m)8.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.52 | ||
| Fwd PE | 1.25 | ||
| P/S | 0.15 | ||
| P/FCF | 0.96 | ||
| P/OCF | 0.87 | ||
| P/B | 0.2 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | 1.19 |
EPS(TTM)14.43
EY65.77%
EPS(NY)17.54
Fwd EY79.93%
FCF(TTM)22.86
FCFY104.2%
OCF(TTM)25.13
OCFY114.53%
SpS149.64
BVpS112.27
TBVpS57.18
PEG (NY)0.06
PEG (5Y)0.08
Graham Number190.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.73% | ||
| ROE | 14.93% | ||
| ROCE | 8.9% | ||
| ROIC | 6.85% | ||
| ROICexc | 7.06% | ||
| ROICexgc | 9.54% | ||
| OM | 20.28% | ||
| PM (TTM) | 11.2% | ||
| GM | N/A | ||
| FCFM | 15.28% |
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 3Y18.12%
ROICexgc growth 5Y18.02%
ROICexc growth 3Y16.62%
ROICexc growth 5Y16.95%
OM growth 3Y-0.02%
OM growth 5Y12.07%
PM growth 3Y-9.83%
PM growth 5Y5.98%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Debt/EBITDA | 0.88 | ||
| Cap/Depr | 50.88% | ||
| Cap/Sales | 1.51% | ||
| Interest Coverage | 23.66 | ||
| Cash Conversion | 72.22% | ||
| Profit Quality | 136.36% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.23%
ROIC/WACC0.95
Cap/Depr(3y)69.6%
Cap/Depr(5y)66.33%
Cap/Sales(3y)1.78%
Cap/Sales(5y)1.69%
Profit Quality(3y)128.11%
Profit Quality(5y)147.37%
High Growth Momentum
Growth
EPS 1Y (TTM)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%344.47%
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%26.12%
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
Revenue Next 5YN/A
EBIT growth 1Y35.66%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
EBIT Next 5YN/A
FCF growth 1Y110.62%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y86.71%
OCF growth 3Y2.49%
OCF growth 5Y21.3%
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.
Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 4.841 PERP?
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 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 grow by 24.83% in the next year.
Can you provide the dividend sustainability for IFC-PR-A stock?
The dividend rating of INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) is 7 / 10 and the dividend payout ratio is 34.08%.