INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) Stock Fundamental Analysis
TSX:IFC-PR-F - Toronto Stock Exchange - CA45823T8822 - Currency: CAD
Taking everything into account, IFC-PR-F scores 5 out of 10 in our fundamental rating. IFC-PR-F was compared to 82 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-F while its profitability can be described as average. IFC-PR-F is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
In the past 5 years IFC-PR-F has always been profitable.
Each year in the past 5 years IFC-PR-F had a positive operating cash flow.
1.2 Ratios
IFC-PR-F has a better Return On Assets (3.65%) than 81.71% of its industry peers.
Looking at the Return On Equity, with a value of 11.78%, IFC-PR-F is in the better half of the industry, outperforming 69.51% of the companies in the same industry.
IFC-PR-F has a better Return On Invested Capital (5.49%) than 91.46% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
IFC-PR-F has a Profit Margin (8.24%) which is in line with its industry peers.
In the last couple of years the Profit Margin of IFC-PR-F has grown nicely.
The Operating Margin of IFC-PR-F (15.65%) is better than 62.20% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-F has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-F is destroying value.
The number of shares outstanding for IFC-PR-F has been increased compared to 5 years ago.
2.2 Solvency
IFC-PR-F has a debt to FCF ratio of 1.67. This is a very positive value and a sign of high solvency as it would only need 1.67 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.67, IFC-PR-F is in line with its industry, outperforming 59.76% 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.
The Debt to Equity ratio of IFC-PR-F (0.29) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.67 | ||
| Altman-Z | N/A |
ROIC/WACC0.75
WACC7.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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)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
The Earnings Per Share is expected to grow by 9.40% on average over the next years. This is quite good.
The Revenue is expected to grow by 9.74% on average over the next years. This is quite good.
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
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
A Price/Earnings ratio of 1.63 indicates a rather cheap valuation of IFC-PR-F.
89.02% of the companies in the same industry are more expensive than IFC-PR-F, based on the Price/Earnings ratio.
IFC-PR-F is valuated cheaply when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 1.37, the valuation of IFC-PR-F can be described as very cheap.
IFC-PR-F's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-F is cheaper than 89.02% of the companies in the same industry.
IFC-PR-F's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.71.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.63 | ||
| Fwd PE | 1.37 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-F is valued cheaply inside the industry as 86.59% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, IFC-PR-F is valued a bit cheaper than the industry average as 63.41% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.31 | ||
| EV/EBITDA | 1.69 |
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%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.51%, IFC-PR-F is a good candidate for dividend investing.
IFC-PR-F's Dividend Yield is comparable with the industry average which is at 4.92.
Compared to an average S&P500 Dividend Yield of 2.34, IFC-PR-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.51% |
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
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%
INTACT FINANCIAL CORP - IFCCN 5.3 PERP
TSX:IFC-PR-F (7/22/2025, 7:00:00 PM)
24.1
+0.03 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.57%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap4.30B
Analysts73.33
Price Target26.35 (9.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.51% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years0
Div Non Decr Years7
Ex-Date
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)7.6%
PT rev (3m)7.51%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.68%
Revenue NQ rev (3m)2.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.63 | ||
| Fwd PE | 1.37 | ||
| P/S | 0.16 | ||
| P/FCF | 1.31 | ||
| P/OCF | 1.16 | ||
| P/B | 0.23 | ||
| P/tB | 0.48 | ||
| EV/EBITDA | 1.69 |
EPS(TTM)14.81
EY61.45%
EPS(NY)17.65
Fwd EY73.24%
FCF(TTM)18.37
FCFY76.22%
OCF(TTM)20.72
OCFY85.97%
SpS150.36
BVpS105.24
TBVpS50.26
PEG (NY)0.11
PEG (5Y)0.09
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.32%
ROIC/WACC0.75
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%