IFC-PR-F Fundamental Analysis - INTACT FINANCIAL CORP - IFCCN 5.3 PERP

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to IFC-PR-F. IFC-PR-F was compared to 81 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-F. Finally IFC-PR-F also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year IFC-PR-F was profitable.
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.

1.2 Ratios

Looking at the Return On Assets, with a value of 4.73%, IFC-PR-F belongs to the top of the industry, outperforming 93.83% of the companies in the same industry.
IFC-PR-F has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC-PR-F outperforms 91.36% 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 95.06% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of IFC-PR-F (11.20%) is comparable to the rest of the industry.
IFC-PR-F's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 20.28%, IFC-PR-F is doing good in the industry, outperforming 74.07% of the companies in the same industry.
IFC-PR-F's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
The number of shares outstanding for IFC-PR-F has been increased compared to 5 years ago.

2.2 Solvency

The Debt to FCF ratio of IFC-PR-F is 1.34, which is an excellent value as it means it would take IFC-PR-F, only 1.34 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of IFC-PR-F (1.34) is better than 76.54% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that IFC-PR-F is not too dependend on debt financing.
IFC-PR-F has a Debt to Equity ratio (0.27) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.27
Debt/FCF	1.34
Altman-Z	N/A

ROIC/WACC0.95

WACC7.23%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.
The Revenue has decreased by -1.02% in the past year.
Measured over the past years, IFC-PR-F shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.

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

IFC-PR-F is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.35% yearly.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.28, which indicates a rather cheap valuation of IFC-PR-F.
IFC-PR-F's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-F is cheaper than 93.83% of the companies in the same industry.
IFC-PR-F's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
With a Price/Forward Earnings ratio of 1.35, the valuation of IFC-PR-F can be described as very cheap.
Based on the Price/Forward Earnings ratio, IFC-PR-F is valued cheaply inside the industry as 95.06% of the companies are valued more expensively.
IFC-PR-F is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	1.28
Fwd PE	1.35

4.2 Price Multiples

IFC-PR-F's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IFC-PR-F is cheaper than 92.59% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-F is valued cheaper than 92.59% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.04
EV/EBITDA	1.25

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.
IFC-PR-F has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)0.05

PEG (5Y)0.07

EPS Next 2Y10.65%

EPS Next 3Y9.35%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.62%, IFC-PR-F is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.03, IFC-PR-F pays a better dividend. On top of this IFC-PR-F pays more dividend than 96.30% of the companies listed in the same industry.
IFC-PR-F's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.

		Industry Rank	Sector Rank
Dividend Yield	5.62%

5.2 History

IFC-PR-F has been paying a dividend for over 5 years, so it has already some track record.
As IFC-PR-F did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years7

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%

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INTACT FINANCIAL CORP - IFCCN 5.3 PERP

TSX:IFC-PR-F (1/16/2026, 7:00:00 PM)

23.8

-0.2 (-0.83%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-04 2025-11-04/amc

Earnings (Next)02-10 2026-02-10

Inst Owners46.32%

Inst Owner ChangeN/A

Ins Owners0.33%

Ins Owner ChangeN/A

Market Cap4.23B

Revenue(TTM)26.61B

Net Income(TTM)2.98B

Analysts75.56

Price Target28.2 (18.49%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.62%

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)1.59%

PT rev (3m)-3.59%

EPS NQ rev (1m)0.05%

EPS NQ rev (3m)0.82%

EPS NY rev (1m)0.01%

EPS NY rev (3m)4.19%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.28%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.39%

Valuation

		Industry Rank	Sector Rank
PE	1.28
Fwd PE	1.35
P/S	0.16
P/FCF	1.04
P/OCF	0.95
P/B	0.21
P/tB	0.42
EV/EBITDA	1.25

EPS(TTM)18.63

EY78.28%

EPS(NY)17.67

Fwd EY74.24%

FCF(TTM)22.88

FCFY96.12%

OCF(TTM)25.14

OCFY105.65%

SpS149.74

BVpS112.34

TBVpS57.22

PEG (NY)0.05

PEG (5Y)0.07

Graham Number217

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC7.23%

ROIC/WACC0.95

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 1.28 and the Price/Book (PB) ratio is 0.21.

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.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

INTACT FINANCIAL CORP - IFCCN 5.3 PERP / IFC-PR-F.CA FAQ

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

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

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

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

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