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

TSX:IFC-PR-F - Toronto Stock Exchange - CA45823T8822 - Currency: CAD

23.49  +0.39 (+1.69%)

Fundamental Rating

5

Overall IFC-PR-F gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-F against 82 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 may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

IFC-PR-F had positive earnings in the past year.
In the past year IFC-PR-F had a positive cash flow from operations.
In the past 5 years IFC-PR-F has always been profitable.
IFC-PR-F had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

Looking at the Return On Assets, with a value of 3.65%, IFC-PR-F belongs to the top of the industry, outperforming 82.93% of the companies in the same industry.
IFC-PR-F has a better Return On Equity (11.78%) than 70.73% of its industry peers.
The Return On Invested Capital of IFC-PR-F (5.49%) is better than 93.90% of its industry peers.
Industry RankSector Rank
ROA 3.65%
ROE 11.78%
ROIC 5.49%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

IFC-PR-F has a Profit Margin (8.24%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of IFC-PR-F has grown nicely.
IFC-PR-F has a Operating Margin of 15.65%. This is in the better half of the industry: IFC-PR-F outperforms 65.85% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-F has grown nicely.
Industry RankSector Rank
OM 15.65%
PM (TTM) 8.24%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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2

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-F is destroying value.
IFC-PR-F has more shares outstanding than it did 5 years ago.
IFC-PR-F.CA Yearly Shares OutstandingIFC-PR-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2024 20B 40B 60B

2.2 Solvency

The Debt to FCF ratio of IFC-PR-F is 1.67, which is an excellent value as it means it would take IFC-PR-F, only 1.67 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.67, IFC-PR-F is doing good in the industry, outperforming 62.20% of the companies in the same industry.
A Debt/Equity ratio of 0.29 indicates that IFC-PR-F is not too dependend on debt financing.
IFC-PR-F has a Debt to Equity ratio (0.29) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 1.67
Altman-Z N/A
ROIC/WACC0.76
WACC7.22%
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2024 1B 2B 3B 4B

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6

3. Growth

3.1 Past

IFC-PR-F shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.90%, which is quite impressive.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
The Revenue has been growing slightly by 4.57% in the past year.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
EPS 1Y (TTM)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%

3.2 Future

Based on estimates for the next years, IFC-PR-F will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.40% on average per year.
IFC-PR-F is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.74% yearly.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 1.59, the valuation of IFC-PR-F can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of IFC-PR-F indicates a rather cheap valuation: IFC-PR-F is cheaper than 86.59% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of IFC-PR-F to the average of the S&P500 Index (26.29), we can say IFC-PR-F is valued rather cheaply.
A Price/Forward Earnings ratio of 1.33 indicates a rather cheap valuation of IFC-PR-F.
91.46% of the companies in the same industry are more expensive than IFC-PR-F, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.17. IFC-PR-F is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.59
Fwd PE 1.33
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 cheaper than 89.02% of the companies in the same industry.
60.98% of the companies in the same industry are more expensive than IFC-PR-F, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.28
EV/EBITDA 1.67
IFC-PR-F.CA Per share dataIFC-PR-F.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

IFC-PR-F's 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)0.11
PEG (5Y)0.09
EPS Next 2Y10.6%
EPS Next 3Y9.4%

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3

5. Dividend

5.1 Amount

IFC-PR-F has a Yearly Dividend Yield of 1.71%. Purely for dividend investing, there may be better candidates out there.
IFC-PR-F's Dividend Yield is slightly below the industry average, which is at 4.24.
Compared to the average S&P500 Dividend Yield of 2.38, IFC-PR-F is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.71%

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

IFC-PR-F pays out 44.07% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP44.07%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
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 2015 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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INTACT FINANCIAL CORP - IFCCN 5.3 PERP

TSX:IFC-PR-F (6/2/2025, 7:00:00 PM)

23.49

+0.39 (+1.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)07-29 2025-07-29
Inst Owners54.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap4.19B
Analysts74.12
Price Target22.49 (-4.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.71%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years0
Div Non Decr Years7
Ex-Date06-16 2025-06-16 (0.33125)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.77%
Min EPS beat(2)12.33%
Max EPS beat(2)13.21%
EPS beat(4)4
Avg EPS beat(4)47.53%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)31.73%
EPS beat(12)10
Avg EPS beat(12)22.78%
EPS beat(16)14
Avg EPS beat(16)26.26%
Revenue beat(2)0
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-1.86%
Max Revenue beat(2)-0.6%
Revenue beat(4)0
Avg Revenue beat(4)-2.24%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)-0.6%
Revenue beat(8)2
Avg Revenue beat(8)-1.31%
Revenue beat(12)6
Avg Revenue beat(12)8.14%
Revenue beat(16)10
Avg Revenue beat(16)10%
PT rev (1m)-0.77%
PT rev (3m)-6.58%
EPS NQ rev (1m)-0.84%
EPS NQ rev (3m)-4.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)2.99%
Revenue NQ rev (3m)2.99%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-0.35%
Valuation
Industry RankSector Rank
PE 1.59
Fwd PE 1.33
P/S 0.16
P/FCF 1.28
P/OCF 1.13
P/B 0.22
P/tB 0.47
EV/EBITDA 1.67
EPS(TTM)14.81
EY63.05%
EPS(NY)17.65
Fwd EY75.15%
FCF(TTM)18.37
FCFY78.2%
OCF(TTM)20.72
OCFY88.2%
SpS150.36
BVpS105.24
TBVpS50.26
PEG (NY)0.11
PEG (5Y)0.09
Profitability
Industry RankSector Rank
ROA 3.65%
ROE 11.78%
ROCE 7.14%
ROIC 5.49%
ROICexc 5.62%
ROICexgc 7.67%
OM 15.65%
PM (TTM) 8.24%
GM N/A
FCFM 12.22%
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 RankSector Rank
Debt/Equity 0.29
Debt/FCF 1.67
Debt/EBITDA 1.11
Cap/Depr 57.01%
Cap/Sales 1.56%
Interest Coverage 19.08
Cash Conversion 74.92%
Profit Quality 148.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC7.22%
ROIC/WACC0.76
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)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
Revenue Next 5YN/A
EBIT growth 1Y26.57%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y47.37%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y38.96%
OCF growth 3Y2.49%
OCF growth 5Y21.3%