INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-E - CA45823T8095
23.53 CAD
-0.07 (-0.3%)
We assign a fundamental rating of 5 out of 10 to IFC-PR-E. IFC-PR-E was compared to 80 industry peers in the Insurance industry. IFC-PR-E scores excellent on profitability, but there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-E. IFC-PR-E also has an excellent dividend rating.
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.
- IFC-PR-E had positive earnings in each of the past 5 years.
- IFC-PR-E had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- IFC-PR-E has a better Return On Assets (4.73%) than 96.25% of its industry peers.
- IFC-PR-E's Return On Equity of 14.93% is amongst the best of the industry. IFC-PR-E outperforms 93.75% of its industry peers.
- IFC-PR-E has a Return On Invested Capital of 6.85%. This is amongst the best in the industry. IFC-PR-E outperforms 97.50% 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
- IFC-PR-E has a better Profit Margin (11.20%) than 61.25% of its industry peers.
- In the last couple of years the Profit Margin of IFC-PR-E has grown nicely.
- IFC-PR-E has a Operating Margin of 20.28%. This is in the better half of the industry: IFC-PR-E outperforms 76.25% of its industry peers.
- In the last couple of years the Operating Margin of IFC-PR-E 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-E is destroying value.
- IFC-PR-E has more shares outstanding than it did 5 years ago.
2.2 Solvency
- IFC-PR-E 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-E is in the better half of the industry, outperforming 78.75% of the companies in the same industry.
- IFC-PR-E has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of IFC-PR-E (0.27) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.93
WACC7.36%
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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.79%, which is quite impressive.
- IFC-PR-E shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
- The Revenue has decreased by -1.02% in the past year.
- IFC-PR-E shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.
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-E 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-E 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
- 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
- Based on the Price/Earnings ratio of 1.26, the valuation of IFC-PR-E can be described as very cheap.
- Based on the Price/Earnings ratio, IFC-PR-E is valued cheaply inside the industry as 96.25% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, IFC-PR-E is valued rather cheaply.
- With a Price/Forward Earnings ratio of 1.33, the valuation of IFC-PR-E can be described as very cheap.
- IFC-PR-E's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-E is cheaper than 97.50% of the companies in the same industry.
- IFC-PR-E's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.26 | ||
| Fwd PE | 1.33 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, IFC-PR-E is valued cheaper than 95.00% of the companies in the same industry.
- 95.00% of the companies in the same industry are more expensive than IFC-PR-E, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.03 | ||
| EV/EBITDA | 1.24 |
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)0.04
PEG (5Y)0.07
EPS Next 2Y10.67%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.59%, IFC-PR-E is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.15, IFC-PR-E pays a better dividend. On top of this IFC-PR-E pays more dividend than 98.75% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, IFC-PR-E pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.59% |
5.2 History
- IFC-PR-E has been paying a dividend for over 5 years, so it has already some track record.
- IFC-PR-E 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 Years7
5.3 Sustainability
- 34.08% of the earnings are spent on dividend by IFC-PR-E. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.67%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 5.2 PERP / IFC-PR-E.CA FAQ
Can you provide the ChartMill fundamental rating for INTACT FINANCIAL CORP - IFCCN 5.2 PERP?
ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-E.CA.
What is the valuation status for IFC-PR-E stock?
ChartMill assigns a valuation rating of 9 / 10 to INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA). This can be considered as Undervalued.
Can you provide the profitability details for INTACT FINANCIAL CORP - IFCCN 5.2 PERP?
INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) has a profitability rating of 7 / 10.
How financially healthy is INTACT FINANCIAL CORP - IFCCN 5.2 PERP?
The financial health rating of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is 2 / 10.
What is the earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 5.2 PERP?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is expected to grow by 28.32% in the next year.