INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-A - CA45823T3047
21.7 CAD
+0.08 (+0.37%)
IFC-PR-A gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. While IFC-PR-A belongs to the best of the industry regarding profitability, there are 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.
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.
Each year in the past 5 years IFC-PR-A had a positive operating cash flow.
1.2 Ratios
IFC-PR-A has a better Return On Assets (4.73%) than 97.53% 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 95.06% of its industry peers.
IFC-PR-A has a Return On Invested Capital of 6.85%. This is amongst the best in the industry. IFC-PR-A outperforms 98.77% of its industry peers.
| 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
With a decent Profit Margin value of 11.20%, IFC-PR-A is doing good in the industry, outperforming 62.96% of the companies in the same industry.
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 77.78% 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.
IFC-PR-A has more shares outstanding than it did 5 years ago.
2.2 Solvency
The Debt to FCF ratio of IFC-PR-A is 1.34, which is an excellent value as it means it would take IFC-PR-A, only 1.34 years of fcf income to pay off all of its debts.
IFC-PR-A has a Debt to FCF ratio of 1.34. This is amongst the best in the industry. IFC-PR-A outperforms 80.25% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that IFC-PR-A is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.27, IFC-PR-A is in line with its industry, outperforming 58.02% 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
WACC7.2%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.79% over the past year.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
The Revenue has decreased by -1.02% in the past 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
IFC-PR-A is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.35% yearly.
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 Y28.32%
EPS Next 2Y10.67%
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 1.16 indicates a rather cheap valuation of IFC-PR-A.
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 97.53% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.25, IFC-PR-A is valued rather cheaply.
With a Price/Forward Earnings ratio of 1.23, the valuation of IFC-PR-A can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-A indicates a rather cheap valuation: IFC-PR-A is cheaper than 98.77% of the companies listed in the same industry.
IFC-PR-A's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.16 | ||
| 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 96.30% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, IFC-PR-A is valued cheaply inside the industry as 96.30% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.95 | ||
| EV/EBITDA | 1.18 |
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)0.04
PEG (5Y)0.06
EPS Next 2Y10.67%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.51%, IFC-PR-A is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.60, IFC-PR-A pays a better dividend. On top of this IFC-PR-A pays more dividend than 82.72% 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 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.51% |
5.2 History
IFC-PR-A has paid a dividend for at least 10 years, which is 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)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 2Y10.67%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP
TSX:IFC-PR-A (1/12/2026, 7:00:00 PM)
21.7
+0.08 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.32%
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 Target24.47 (12.76%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.51% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
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)-2.81%
PT rev (3m)-12.44%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)0.77%
EPS NY rev (1m)0.04%
EPS NY rev (3m)4.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.16 | ||
| 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 | 1.18 |
EPS(TTM)18.63
EY85.85%
EPS(NY)17.67
Fwd EY81.44%
FCF(TTM)22.88
FCFY105.42%
OCF(TTM)25.14
OCFY115.88%
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
WACC7.2%
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 Y28.32%
EPS Next 2Y10.67%
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.
What is the valuation status for IFC-PR-A stock?
ChartMill assigns a valuation rating of 9 / 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 1.16 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 grow by 28.32% in the next year.