INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis
TSX:IFC-PR-E - CA45823T8095
24.28 CAD
+0.16 (+0.66%)
Taking everything into account, IFC-PR-E scores 5 out of 10 in our fundamental rating. IFC-PR-E was compared to 80 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-E while its profitability can be described as average. IFC-PR-E may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
IFC-PR-E had positive earnings in the past year.
IFC-PR-E had a positive operating cash flow in the past year.
In the past 5 years IFC-PR-E has always been profitable.
In the past 5 years IFC-PR-E always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.82%, IFC-PR-E belongs to the top of the industry, outperforming 82.50% of the companies in the same industry.
Looking at the Return On Equity, with a value of 12.11%, IFC-PR-E is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
IFC-PR-E has a Return On Invested Capital of 5.87%. This is amongst the best in the industry. IFC-PR-E outperforms 93.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROIC | 5.87% |
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 8.61%, IFC-PR-E is in line with its industry, outperforming 41.25% of the companies in the same industry.
In the last couple of years the Profit Margin of IFC-PR-E has grown nicely.
Looking at the Operating Margin, with a value of 16.63%, IFC-PR-E is in the better half of the industry, outperforming 73.75% of the companies in the same industry.
In the last couple of years the Operating Margin of IFC-PR-E has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| 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-E has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for IFC-PR-E has been increased compared to 5 years ago.
2.2 Solvency
The Debt to FCF ratio of IFC-PR-E is 1.55, which is an excellent value as it means it would take IFC-PR-E, only 1.55 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.55, IFC-PR-E is in the better half of the industry, outperforming 65.00% of the companies in the same industry.
IFC-PR-E has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.28, IFC-PR-E perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.79
WACC7.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC-PR-E shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.50%.
Measured over the past years, IFC-PR-E shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
IFC-PR-E shows a small growth in Revenue. In the last year, the Revenue has grown by 4.15%.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
EPS 1Y (TTM)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
3.2 Future
IFC-PR-E is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.33% yearly.
Based on estimates for the next years, IFC-PR-E will show a small growth in Revenue. The Revenue will grow by 6.11% on average per year.
EPS Next Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
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
The Price/Earnings ratio is 1.60, which indicates a rather cheap valuation of IFC-PR-E.
Based on the Price/Earnings ratio, IFC-PR-E is valued cheaper than 90.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of IFC-PR-E to the average of the S&P500 Index (27.03), we can say IFC-PR-E is valued rather cheaply.
With a Price/Forward Earnings ratio of 1.38, the valuation of IFC-PR-E can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-E indicates a rather cheap valuation: IFC-PR-E is cheaper than 90.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.54, IFC-PR-E is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.6 | ||
| Fwd PE | 1.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-E is valued cheaper than 87.50% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-E indicates a somewhat cheap valuation: IFC-PR-E is cheaper than 66.25% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.23 | ||
| EV/EBITDA | 1.54 |
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-E may justify a higher PE ratio.
PEG (NY)0.07
PEG (5Y)0.09
EPS Next 2Y10.3%
EPS Next 3Y9.33%
5. Dividend
5.1 Amount
IFC-PR-E has a Yearly Dividend Yield of 5.39%, which is a nice return.
IFC-PR-E's Dividend Yield is a higher than the industry average which is at 4.81.
IFC-PR-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
5.2 History
IFC-PR-E has been paying a dividend for over 5 years, so it has already some track record.
As IFC-PR-E 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 Years7
5.3 Sustainability
IFC-PR-E pays out 42.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
INTACT FINANCIAL CORP - IFCCN 5.2 PERP
TSX:IFC-PR-E (9/10/2025, 7:00:00 PM)
24.28
+0.16 (+0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.57%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap4.33B
Analysts72.94
Price Target29.61 (21.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.25%
Min EPS beat(2)12.33%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)45.94%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)8
Avg EPS beat(8)36.37%
EPS beat(12)10
Avg EPS beat(12)24.32%
EPS beat(16)14
Avg EPS beat(16)26.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.38%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-1.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)-0.6%
Revenue beat(8)1
Avg Revenue beat(8)-1.81%
Revenue beat(12)4
Avg Revenue beat(12)1.79%
Revenue beat(16)8
Avg Revenue beat(16)7.33%
PT rev (1m)18.03%
PT rev (3m)20%
EPS NQ rev (1m)-0.17%
EPS NQ rev (3m)-6.27%
EPS NY rev (1m)7.49%
EPS NY rev (3m)7.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.62%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)-1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.6 | ||
| Fwd PE | 1.38 | ||
| P/S | 0.16 | ||
| P/FCF | 1.23 | ||
| P/OCF | 1.11 | ||
| P/B | 0.23 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | 1.54 |
EPS(TTM)15.18
EY62.52%
EPS(NY)17.56
Fwd EY72.3%
FCF(TTM)19.68
FCFY81.06%
OCF(TTM)21.84
OCFY89.95%
SpS151.55
BVpS107.75
TBVpS53.59
PEG (NY)0.07
PEG (5Y)0.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROCE | 7.64% | ||
| ROIC | 5.87% | ||
| ROICexc | 6.03% | ||
| ROICexgc | 8.19% | ||
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| GM | N/A | ||
| FCFM | 12.99% |
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 | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | 1.03 | ||
| Cap/Depr | 50.2% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | 19.8 | ||
| Cash Conversion | 74.02% | ||
| Profit Quality | 150.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.43%
ROIC/WACC0.79
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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
EPS Next Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y65.8%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y52.33%
OCF growth 3Y2.49%
OCF growth 5Y21.3%