INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-A - CA45823T3047
21.71 CAD
+0.25 (+1.16%)
Taking everything into account, IFC-PR-A scores 6 out of 10 in our fundamental rating. IFC-PR-A was compared to 82 industry peers in the Insurance industry. While IFC-PR-A has a great profitability rating, there are quite some concerns on its financial health. IFC-PR-A scores decently on growth, while it is valued quite cheap. This could make an interesting combination. IFC-PR-A also has an excellent dividend rating.
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.
IFC-PR-A had positive earnings in each of the past 5 years.
IFC-PR-A had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-A has a better Return On Assets (4.73%) than 97.56% of its industry peers.
IFC-PR-A's Return On Equity of 14.93% is amongst the best of the industry. IFC-PR-A outperforms 92.68% 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 98.78% 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 63.41% of its industry peers.
In the last couple of years the Profit Margin of IFC-PR-A has grown nicely.
IFC-PR-A's Operating Margin of 20.28% is fine compared to the rest of the industry. IFC-PR-A outperforms 78.05% 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 | 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-A is destroying value.
Compared to 5 years ago, IFC-PR-A has more shares outstanding
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.
Looking at the Debt to FCF ratio, with a value of 1.34, IFC-PR-A belongs to the top of the industry, outperforming 80.49% of the companies in the same industry.
IFC-PR-A has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.27, IFC-PR-A is in line with its industry, outperforming 58.54% 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
WACC7.17%
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 35.79%, 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 18.56% yearly.
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)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
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 9.35% on average per year.
Based on estimates for the next years, IFC-PR-A will show a small growth in Revenue. The Revenue will grow by 6.08% on average per year.
EPS Next Y28.27%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
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 1.17.
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 95.12% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of IFC-PR-A to the average of the S&P500 Index (26.54), we can say IFC-PR-A is valued rather cheaply.
The Price/Forward Earnings ratio is 1.23, which indicates a rather cheap valuation of IFC-PR-A.
Based on the Price/Forward Earnings ratio, IFC-PR-A is valued cheaply inside the industry as 96.34% of the companies are valued more expensively.
IFC-PR-A is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.17 | ||
| Fwd PE | 1.23 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-A is valued cheaply inside the industry as 93.90% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, IFC-PR-A is valued a bit cheaper than 75.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.95 | ||
| 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.
The decent profitability rating of IFC-PR-A may justify a higher PE ratio.
PEG (NY)0.04
PEG (5Y)0.06
EPS Next 2Y10.61%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.44%, IFC-PR-A is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.73, IFC-PR-A pays a better dividend. On top of this IFC-PR-A pays more dividend than 80.49% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.96, IFC-PR-A pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.44% |
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 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP
TSX:IFC-PR-A (12/12/2025, 7:00:00 PM)
21.71
+0.25 (+1.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.49%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap3.86B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target25.18 (15.98%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.44% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.03%
Min EPS beat(2)7.9%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)15.9%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)32.18%
EPS beat(12)11
Avg EPS beat(12)25.24%
EPS beat(16)14
Avg EPS beat(16)22.92%
Revenue beat(2)1
Avg Revenue beat(2)-0.62%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.92%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.46%
Revenue beat(12)4
Avg Revenue beat(12)-0.12%
Revenue beat(16)8
Avg Revenue beat(16)7.07%
PT rev (1m)-6.34%
PT rev (3m)-6.36%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)2.76%
EPS NY rev (3m)3.95%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.17 | ||
| Fwd PE | 1.23 | ||
| P/S | 0.14 | ||
| P/FCF | 0.95 | ||
| P/OCF | 0.86 | ||
| P/B | 0.19 | ||
| P/tB | 0.38 | ||
| EV/EBITDA | 1.19 |
EPS(TTM)18.63
EY85.81%
EPS(NY)17.66
Fwd EY81.32%
FCF(TTM)22.88
FCFY105.37%
OCF(TTM)25.14
OCFY115.82%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.04
PEG (5Y)0.06
Graham Number217
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
WACC7.17%
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)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
EPS Next Y28.27%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
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 28.27% 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%.