INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis

TSX:IFC-PR-E • CA45823T8095

23.76 CAD
+0.01 (+0.04%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

IFC-PR-E gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. IFC-PR-E has an excellent profitability rating, but there are some minor concerns on its financial health. IFC-PR-E scores decently on growth, while it is valued quite cheap. This could make an interesting combination. IFC-PR-E also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year IFC-PR-E was profitable.
  • In the past year IFC-PR-E had a positive cash flow from operations.
  • 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.
IFC-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • The Return On Assets of IFC-PR-E (5.21%) is better than 97.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 15.72%, IFC-PR-E belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
  • IFC-PR-E has a better Return On Invested Capital (7.52%) than 97.50% of its industry peers.
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROIC 7.52%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
IFC-PR-E.CA Yearly ROA, ROE, ROICIFC-PR-E.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • IFC-PR-E's Profit Margin of 12.01% is fine compared to the rest of the industry. IFC-PR-E outperforms 78.75% of its industry peers.
  • IFC-PR-E's Profit Margin has improved in the last couple of years.
  • IFC-PR-E has a better Operating Margin (21.11%) than 76.25% of its industry peers.
  • IFC-PR-E's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 21.11%
PM (TTM) 12.01%
GM N/A
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
IFC-PR-E.CA Yearly Profit, Operating, Gross MarginsIFC-PR-E.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), IFC-PR-E is creating some value.
  • IFC-PR-E has less shares outstanding than it did 1 year ago.
  • IFC-PR-E has more shares outstanding than it did 5 years ago.
  • IFC-PR-E has a better debt/assets ratio than last year.
IFC-PR-E.CA Yearly Shares OutstandingIFC-PR-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 2025 50M 100M 150M
IFC-PR-E.CA Yearly Total Debt VS Total AssetsIFC-PR-E.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2024 2025 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of IFC-PR-E is 1.34, which is an excellent value as it means it would take IFC-PR-E, only 1.34 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.34, IFC-PR-E is doing good in the industry, outperforming 77.50% of the companies in the same industry.
  • IFC-PR-E has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.25, IFC-PR-E belongs to the top of the industry, outperforming 88.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1.34
WACC5.61%
IFC-PR-E.CA Yearly LT Debt VS Equity VS FCFIFC-PR-E.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFC-PR-E.CA Yearly Current Assets VS Current LiabilitesIFC-PR-E.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2024 2025 1B 2B 3B 4B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 33.06% over the past year.
  • IFC-PR-E shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.12% yearly.
  • IFC-PR-E shows a small growth in Revenue. In the last year, the Revenue has grown by 2.93%.
  • Measured over the past years, IFC-PR-E shows a quite strong growth in Revenue. The Revenue has been growing by 16.74% on average per year.
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%

3.2 Future

  • IFC-PR-E is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.86% yearly.
  • IFC-PR-E is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.50% yearly.
EPS Next Y-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
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.
IFC-PR-E.CA Yearly Revenue VS EstimatesIFC-PR-E.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
IFC-PR-E.CA Yearly EPS VS EstimatesIFC-PR-E.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.24, the valuation of IFC-PR-E can be described as very cheap.
  • Based on the Price/Earnings ratio, IFC-PR-E is valued cheaper than 96.25% of the companies in the same industry.
  • IFC-PR-E's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.07.
  • With a Price/Forward Earnings ratio of 1.34, 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 97.50% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, IFC-PR-E is valued rather cheaply.
Industry RankSector Rank
PE 1.24
Fwd PE 1.34
IFC-PR-E.CA Price Earnings VS Forward Price EarningsIFC-PR-E.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, IFC-PR-E is valued cheaply inside the industry as 96.25% of the companies are valued more expensively.
  • 93.75% of the companies in the same industry are more expensive than IFC-PR-E, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.07
EV/EBITDA 1.21
IFC-PR-E.CA Per share dataIFC-PR-E.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • IFC-PR-E has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-0.86%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.43%, IFC-PR-E is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.43, IFC-PR-E pays a bit more dividend than its industry peers.
  • IFC-PR-E's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.43%

5.2 History

  • The dividend of IFC-PR-E is nicely growing with an annual growth rate of 15.73%!
  • IFC-PR-E has paid a dividend for at least 10 years, which is a reliable 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)15.73%
Div Incr Years0
Div Non Decr Years7
IFC-PR-E.CA Yearly Dividends per shareIFC-PR-E.CA Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 31.66% of the earnings are spent on dividend by IFC-PR-E. This is a low number and sustainable payout ratio.
DP31.66%
EPS Next 2Y-0.86%
EPS Next 3YN/A
IFC-PR-E.CA Yearly Income VS Free CF VS DividendIFC-PR-E.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
IFC-PR-E.CA Dividend Payout.IFC-PR-E.CA Dividend Payout, showing the Payout Ratio.IFC-PR-E.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP - IFCCN 5.2 PERP

TSX:IFC-PR-E (2/27/2026, 7:00:00 PM)

23.76

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.22B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target29.69 (24.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.43%
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr Years0
Div Non Decr Years7
Ex-Date03-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)7.9%
Max EPS beat(2)16.68%
EPS beat(4)4
Avg EPS beat(4)16.77%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)31.32%
EPS beat(12)11
Avg EPS beat(12)25.92%
EPS beat(16)14
Avg EPS beat(16)21.3%
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.39%
Revenue beat(16)7
Avg Revenue beat(16)6.71%
PT rev (1m)6.75%
PT rev (3m)7.4%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)0.28%
EPS NY rev (1m)0%
EPS NY rev (3m)0.75%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 1.24
Fwd PE 1.34
P/S 0.15
P/FCF 1.07
P/OCF 0.96
P/B 0.2
P/tB 0.38
EV/EBITDA 1.21
EPS(TTM)19.2
EY80.81%
EPS(NY)17.67
Fwd EY74.36%
FCF(TTM)22.13
FCFY93.14%
OCF(TTM)24.7
OCFY103.97%
SpS153.56
BVpS117.3
TBVpS62.19
PEG (NY)N/A
PEG (5Y)0.09
Graham Number225.11
Profitability
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROCE 9.51%
ROIC 7.52%
ROICexc 7.69%
ROICexgc 10.29%
OM 21.11%
PM (TTM) 12.01%
GM N/A
FCFM 14.41%
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 3Y15.83%
ROICexgc growth 5Y12.36%
ROICexc growth 3Y16.69%
ROICexc growth 5Y11.57%
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Debt/EBITDA 0.8
Cap/Depr 57.34%
Cap/Sales 1.68%
Interest Coverage 25.37
Cash Conversion 66.94%
Profit Quality 120.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC5.61%
ROIC/WACC1.34
Cap/Depr(3y)64.38%
Cap/Depr(5y)67.42%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.77%
Profit Quality(3y)122.24%
Profit Quality(5y)128.87%
High Growth Momentum
Growth
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
EPS Next Y-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
Revenue Next 5YN/A
EBIT growth 1Y39.89%
EBIT growth 3Y22.87%
EBIT growth 5Y26.22%
EBIT Next Year8.2%
EBIT Next 3Y5.94%
EBIT Next 5YN/A
FCF growth 1Y32.89%
FCF growth 3Y6.5%
FCF growth 5Y12.42%
OCF growth 1Y29.55%
OCF growth 3Y6.19%
OCF growth 5Y13.28%

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 6 / 10 to IFC-PR-E.CA.


What is the valuation status for IFC-PR-E stock?

ChartMill assigns a valuation rating of 8 / 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 4 / 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 decline by -7.98% in the next year.