INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-E - CA45823T8095
24 CAD
-0.07 (-0.29%)
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.
Each year in the past 5 years IFC-PR-E has been profitable.
IFC-PR-E had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-E's Return On Assets of 3.82% is amongst the best of the industry. IFC-PR-E outperforms 86.25% of its industry peers.
IFC-PR-E has a better Return On Equity (12.11%) than 75.00% of its industry peers.
IFC-PR-E's Return On Invested Capital of 5.87% is amongst the best of the industry. IFC-PR-E outperforms 95.00% 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
IFC-PR-E has a Profit Margin (8.61%) which is in line with its industry peers.
In the last couple of years the Profit Margin of IFC-PR-E has grown nicely.
IFC-PR-E's Operating Margin of 16.63% is fine compared to the rest of the industry. IFC-PR-E outperforms 75.00% of its industry peers.
IFC-PR-E's Operating Margin has improved in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-E is destroying value.
The number of shares outstanding for IFC-PR-E has been increased compared to 5 years ago.
2.2 Solvency
IFC-PR-E has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of 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 67.50% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that IFC-PR-E is not too dependend on debt financing.
IFC-PR-E's Debt to Equity ratio of 0.28 is fine compared to the rest of the industry. IFC-PR-E outperforms 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.79
WACC7.39%
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%.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
IFC-PR-E shows a small growth in Revenue. In the last year, the Revenue has grown by 4.15%.
Measured over the past years, IFC-PR-E shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.
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 9.32% yearly.
The Revenue is expected to grow by 5.88% on average over the next years.
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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.
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 1.58, the valuation of IFC-PR-E can be described as very cheap.
93.75% of the companies in the same industry are more expensive than IFC-PR-E, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of IFC-PR-E to the average of the S&P500 Index (27.31), we can say IFC-PR-E is valued rather cheaply.
IFC-PR-E is valuated cheaply with a Price/Forward Earnings ratio of 1.37.
Based on the Price/Forward Earnings ratio, IFC-PR-E is valued cheaper than 93.75% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of IFC-PR-E to the average of the S&P500 Index (22.85), we can say IFC-PR-E is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.58 | ||
| Fwd PE | 1.37 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-E is valued cheaply inside the industry as 91.25% of the companies are valued more expensively.
70.00% 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 | 1.22 | ||
| EV/EBITDA | 1.53 |
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 2Y10.19%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
IFC-PR-E has a Yearly Dividend Yield of 2.00%.
With a Dividend Yield of 2.00, IFC-PR-E pays less dividend than the industry average, which is at 5.02. 87.50% of the companies listed in the same industry pay a better dividend than IFC-PR-E!
IFC-PR-E's Dividend Yield is comparable with the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
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
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 2Y10.19%
EPS Next 3Y9.32%
INTACT FINANCIAL CORP - IFCCN 5.2 PERP
TSX:IFC-PR-E (10/15/2025, 7:00:00 PM)
24
-0.07 (-0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.23%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.28B
Analysts73.33
Price Target30.36 (26.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
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)2.53%
PT rev (3m)21.03%
EPS NQ rev (1m)-0.66%
EPS NQ rev (3m)-2.74%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.69%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.58 | ||
| Fwd PE | 1.37 | ||
| P/S | 0.16 | ||
| P/FCF | 1.22 | ||
| P/OCF | 1.1 | ||
| P/B | 0.22 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | 1.53 |
EPS(TTM)15.18
EY63.25%
EPS(NY)17.52
Fwd EY73%
FCF(TTM)19.69
FCFY82.04%
OCF(TTM)21.85
OCFY91.04%
SpS151.62
BVpS107.8
TBVpS53.62
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
WACC7.39%
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 Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
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%