INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:IFC-PR-F • CA45823T8822

24.21 CAD
-0.09 (-0.37%)
Last: Feb 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, IFC-PR-F scores 5 out of 10 in our fundamental rating. IFC-PR-F was compared to 78 industry peers in the Insurance industry. IFC-PR-F has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFC-PR-F scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • IFC-PR-F had positive earnings in the past year.
  • IFC-PR-F had a positive operating cash flow in the past year.
  • IFC-PR-F had positive earnings in each of the past 5 years.
  • In the past 5 years IFC-PR-F always reported a positive cash flow from operatings.
IFC-PR-F.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-F.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 1B 2B 3B 4B

1.2 Ratios

  • IFC-PR-F has a better Return On Assets (4.73%) than 93.59% of its industry peers.
  • The Return On Equity of IFC-PR-F (14.93%) is better than 91.03% of its industry peers.
  • With an excellent Return On Invested Capital value of 6.85%, IFC-PR-F belongs to the best of the industry, outperforming 94.87% of the companies in the same industry.
Industry RankSector 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
IFC-PR-F.CA Yearly ROA, ROE, ROICIFC-PR-F.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 11.20%, IFC-PR-F is in line with its industry, outperforming 57.69% of the companies in the same industry.
  • IFC-PR-F's Profit Margin has improved in the last couple of years.
  • The Operating Margin of IFC-PR-F (20.28%) is better than 73.08% of its industry peers.
  • IFC-PR-F's Operating Margin has improved in the last couple of years.
Industry RankSector 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
IFC-PR-F.CA Yearly Profit, Operating, Gross MarginsIFC-PR-F.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • IFC-PR-F has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 5 years ago, IFC-PR-F has more shares outstanding
IFC-PR-F.CA Yearly Shares OutstandingIFC-PR-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 50M 100M 150M
IFC-PR-F.CA Yearly Total Debt VS Total AssetsIFC-PR-F.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2024 20B 40B 60B

2.2 Solvency

  • IFC-PR-F 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.
  • IFC-PR-F's Debt to FCF ratio of 1.34 is fine compared to the rest of the industry. IFC-PR-F outperforms 75.64% of its industry peers.
  • IFC-PR-F has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
  • IFC-PR-F's Debt to Equity ratio of 0.27 is in line compared to the rest of the industry. IFC-PR-F outperforms 52.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC0.93
WACC7.37%
IFC-PR-F.CA Yearly LT Debt VS Equity VS FCFIFC-PR-F.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

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

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.79% over the past year.
  • Measured over the past years, IFC-PR-F shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
  • IFC-PR-F shows a decrease in Revenue. In the last year, the revenue decreased by -1.02%.
  • IFC-PR-F 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

  • The Earnings Per Share is expected to grow by 9.35% on average over the next years. This is quite good.
  • IFC-PR-F is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.08% yearly.
EPS Next Y28.34%
EPS Next 2Y10.65%
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.
  • 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-F.CA Yearly Revenue VS EstimatesIFC-PR-F.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B 25B
IFC-PR-F.CA Yearly EPS VS EstimatesIFC-PR-F.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.30, which indicates a rather cheap valuation of IFC-PR-F.
  • Based on the Price/Earnings ratio, IFC-PR-F is valued cheaply inside the industry as 93.59% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 28.03. IFC-PR-F is valued rather cheaply when compared to this.
  • IFC-PR-F is valuated cheaply with a Price/Forward Earnings ratio of 1.37.
  • IFC-PR-F's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-F is cheaper than 94.87% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of IFC-PR-F to the average of the S&P500 Index (27.97), we can say IFC-PR-F is valued rather cheaply.
Industry RankSector Rank
PE 1.3
Fwd PE 1.37
IFC-PR-F.CA Price Earnings VS Forward Price EarningsIFC-PR-F.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-F is valued cheaply inside the industry as 92.31% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, IFC-PR-F is valued cheaply inside the industry as 91.03% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.06
EV/EBITDA 1.26
IFC-PR-F.CA Per share dataIFC-PR-F.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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-F may justify a higher PE ratio.
PEG (NY)0.05
PEG (5Y)0.07
EPS Next 2Y10.65%
EPS Next 3Y9.35%

More info and screens

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.01%, IFC-PR-F has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 2.01, IFC-PR-F pays less dividend than the industry average, which is at 3.53. 80.77% of the companies listed in the same industry pay a better dividend than IFC-PR-F!
  • IFC-PR-F's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.01%

5.2 History

  • IFC-PR-F has been paying a dividend for over 5 years, so it has already some track record.
  • IFC-PR-F 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
IFC-PR-F.CA Yearly Dividends per shareIFC-PR-F.CA Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 34.08% of the earnings are spent on dividend by IFC-PR-F. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.65%
EPS Next 3Y9.35%
IFC-PR-F.CA Yearly Income VS Free CF VS DividendIFC-PR-F.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
IFC-PR-F.CA Dividend Payout.IFC-PR-F.CA Dividend Payout, showing the Payout Ratio.IFC-PR-F.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP - IFCCN 5.3 PERP

TSX:IFC-PR-F (2/10/2026, 7:00:00 PM)

24.21

-0.09 (-0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-10
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.30B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target30.83 (27.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.01%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years7
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)5
Avg Revenue beat(12)2.5%
Revenue beat(16)9
Avg Revenue beat(16)9.03%
PT rev (1m)10.46%
PT rev (3m)0.28%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)1.42%
EPS NY rev (1m)0.01%
EPS NY rev (3m)4.19%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 1.3
Fwd PE 1.37
P/S 0.16
P/FCF 1.06
P/OCF 0.96
P/B 0.22
P/tB 0.42
EV/EBITDA 1.26
EPS(TTM)18.63
EY76.95%
EPS(NY)17.67
Fwd EY72.98%
FCF(TTM)22.88
FCFY94.49%
OCF(TTM)25.14
OCFY103.86%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.05
PEG (5Y)0.07
Graham Number217
Profitability
Industry RankSector 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 RankSector 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
WACC7.37%
ROIC/WACC0.93
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 Y28.34%
EPS Next 2Y10.65%
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 5.3 PERP / IFC-PR-F.CA FAQ

What is the fundamental rating for IFC-PR-F stock?

ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-F.CA.


Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 5.3 PERP?

ChartMill assigns a valuation rating of 9 / 10 to INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA). This can be considered as Undervalued.


What is the profitability of IFC-PR-F stock?

INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) has a profitability rating of 6 / 10.


What is the valuation of INTACT FINANCIAL CORP - IFCCN 5.3 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) is 1.3 and the Price/Book (PB) ratio is 0.22.


Can you provide the expected EPS growth for IFC-PR-F stock?

The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) is expected to grow by 28.34% in the next year.