INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
TSX:IFC-PR-A - Toronto Stock Exchange - CA45823T3047 - Currency: CAD
Overall IFC-PR-A gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-A against 82 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-A while its profitability can be described as average. IFC-PR-A is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-A was profitable.
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.
In the past 5 years IFC-PR-A always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of IFC-PR-A (3.65%) is better than 85.37% of its industry peers.
The Return On Equity of IFC-PR-A (11.78%) is better than 73.17% of its industry peers.
With an excellent Return On Invested Capital value of 5.49%, IFC-PR-A belongs to the best of the industry, outperforming 96.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 11.78% | ||
| ROIC | 5.49% |
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
Looking at the Profit Margin, with a value of 8.24%, IFC-PR-A is in line with its industry, outperforming 43.90% of the companies in the same industry.
IFC-PR-A's Profit Margin has improved in the last couple of years.
The Operating Margin of IFC-PR-A (15.65%) is better than 68.29% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-A has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.65% | ||
| PM (TTM) | 8.24% | ||
| 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
IFC-PR-A has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 1.67. This is a very positive value and a sign of high solvency as it would only need 1.67 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.67, IFC-PR-A is in the better half of the industry, outperforming 64.63% of the companies in the same industry.
A Debt/Equity ratio of 0.29 indicates that IFC-PR-A is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.29, IFC-PR-A perfoms like the industry average, outperforming 48.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.67 | ||
| Altman-Z | N/A |
ROIC/WACC0.76
WACC7.24%
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 20.90%, 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 small growth in Revenue. The Revenue has grown by 4.57% 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)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%
3.2 Future
Based on estimates for the next years, IFC-PR-A will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.40% on average per year.
Based on estimates for the next years, IFC-PR-A will show a quite strong growth in Revenue. The Revenue will grow by 9.74% on average per year.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
IFC-PR-A is valuated cheaply with a Price/Earnings ratio of 1.48.
Compared to the rest of the industry, the Price/Earnings ratio of IFC-PR-A indicates a rather cheap valuation: IFC-PR-A is cheaper than 89.02% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.52, IFC-PR-A is valued rather cheaply.
A Price/Forward Earnings ratio of 1.24 indicates a rather cheap valuation of IFC-PR-A.
IFC-PR-A's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-A is cheaper than 93.90% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.25, IFC-PR-A is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.48 | ||
| Fwd PE | 1.24 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-A is valued cheaper than 91.46% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-A indicates a somewhat cheap valuation: IFC-PR-A is cheaper than 65.85% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.19 | ||
| EV/EBITDA | 1.61 |
4.3 Compensation for Growth
IFC-PR-A's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of IFC-PR-A may justify a higher PE ratio.
PEG (NY)0.1
PEG (5Y)0.08
EPS Next 2Y10.6%
EPS Next 3Y9.4%
5. Dividend
5.1 Amount
IFC-PR-A has a Yearly Dividend Yield of 1.69%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.22, IFC-PR-A is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.39, IFC-PR-A is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
5.2 History
IFC-PR-A has been paying a dividend for at least 10 years, so it has 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 44.07% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP44.07%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP
TSX:IFC-PR-A (6/6/2025, 7:00:00 PM)
21.89
-0.15 (-0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners54.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap3.90B
Analysts74.12
Price Target23.09 (5.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years0
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.77%
Min EPS beat(2)12.33%
Max EPS beat(2)13.21%
EPS beat(4)4
Avg EPS beat(4)47.53%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)31.73%
EPS beat(12)10
Avg EPS beat(12)22.78%
EPS beat(16)14
Avg EPS beat(16)26.26%
Revenue beat(2)0
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-1.86%
Max Revenue beat(2)-0.6%
Revenue beat(4)0
Avg Revenue beat(4)-2.24%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)-0.6%
Revenue beat(8)2
Avg Revenue beat(8)-1.31%
Revenue beat(12)5
Avg Revenue beat(12)5.52%
Revenue beat(16)9
Avg Revenue beat(16)8.04%
PT rev (1m)21.1%
PT rev (3m)1.96%
EPS NQ rev (1m)-0.84%
EPS NQ rev (3m)-4.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)2.99%
Revenue NQ rev (3m)2.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.48 | ||
| Fwd PE | 1.24 | ||
| P/S | 0.15 | ||
| P/FCF | 1.19 | ||
| P/OCF | 1.06 | ||
| P/B | 0.21 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 1.61 |
EPS(TTM)14.81
EY67.66%
EPS(NY)17.65
Fwd EY80.64%
FCF(TTM)18.37
FCFY83.92%
OCF(TTM)20.72
OCFY94.65%
SpS150.36
BVpS105.24
TBVpS50.26
PEG (NY)0.1
PEG (5Y)0.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 11.78% | ||
| ROCE | 7.14% | ||
| ROIC | 5.49% | ||
| ROICexc | 5.62% | ||
| ROICexgc | 7.67% | ||
| OM | 15.65% | ||
| PM (TTM) | 8.24% | ||
| GM | N/A | ||
| FCFM | 12.22% |
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
ROICexcg growth 3Y18.12%
ROICexcg 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 Turnover0.44
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.67 | ||
| Debt/EBITDA | 1.11 | ||
| Cap/Depr | 57.01% | ||
| Cap/Sales | 1.56% | ||
| Interest Coverage | 19.08 | ||
| Cash Conversion | 74.92% | ||
| Profit Quality | 148.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.24%
ROIC/WACC0.76
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)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
Revenue Next 5YN/A
EBIT growth 1Y26.57%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y47.37%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y38.96%
OCF growth 3Y2.49%
OCF growth 5Y21.3%