INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-F - CA45823T8822
23.88 CAD
+0.04 (+0.17%)
Overall IFC-PR-F gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-F against 79 industry peers in the Insurance industry. While IFC-PR-F is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
Each year in the past 5 years IFC-PR-F has been profitable.
IFC-PR-F had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 3.82%, IFC-PR-F belongs to the best of the industry, outperforming 87.34% of the companies in the same industry.
The Return On Equity of IFC-PR-F (12.11%) is better than 74.68% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.87%, IFC-PR-F belongs to the top of the industry, outperforming 96.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROIC | 5.87% |
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's Profit Margin of 8.61% is in line compared to the rest of the industry. IFC-PR-F outperforms 44.30% of its industry peers.
In the last couple of years the Profit Margin of IFC-PR-F has grown nicely.
With a decent Operating Margin value of 16.63%, IFC-PR-F is doing good in the industry, outperforming 75.95% of the companies in the same industry.
In the last couple of years the Operating Margin of IFC-PR-F has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| 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.
IFC-PR-F has more shares outstanding than it did 5 years ago.
2.2 Solvency
The Debt to FCF ratio of IFC-PR-F is 1.55, which is an excellent value as it means it would take IFC-PR-F, only 1.55 years of fcf income to pay off all of its debts.
IFC-PR-F has a Debt to FCF ratio of 1.55. This is in the better half of the industry: IFC-PR-F outperforms 67.09% of its industry peers.
IFC-PR-F has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of IFC-PR-F (0.28) is better than 62.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.81
WACC7.26%
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 small growth in Earnings Per Share. In the last year, the EPS has grown by 2.50%.
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 small growth in Revenue. In the last year, the Revenue has grown by 4.15%.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
EPS 1Y (TTM)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
3.2 Future
The Earnings Per Share is expected to grow by 9.32% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.88% on average over the next years.
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
IFC-PR-F is valuated cheaply with a Price/Earnings ratio of 1.57.
Based on the Price/Earnings ratio, IFC-PR-F is valued cheaper than 94.94% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.42. IFC-PR-F is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 1.36, which indicates a rather cheap valuation of IFC-PR-F.
Based on the Price/Forward Earnings ratio, IFC-PR-F is valued cheaper than 94.94% of the companies in the same industry.
IFC-PR-F is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.57 | ||
| Fwd PE | 1.36 |
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 92.41% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-F indicates a somewhat cheap valuation: IFC-PR-F is cheaper than 72.15% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.21 | ||
| EV/EBITDA | 1.52 |
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)0.07
PEG (5Y)0.08
EPS Next 2Y10.19%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
IFC-PR-F has a Yearly Dividend Yield of 3.60%. 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 3.80.
Compared to an average S&P500 Dividend Yield of 2.36, IFC-PR-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
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
42.76% of the earnings are spent on dividend by IFC-PR-F. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
INTACT FINANCIAL CORP - IFCCN 5.3 PERP
TSX:IFC-PR-F (10/17/2025, 7:00:00 PM)
23.88
+0.04 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.23%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.25B
Analysts73.33
Price Target29.25 (22.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.25%
Min EPS beat(2)12.33%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)45.94%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)8
Avg EPS beat(8)36.37%
EPS beat(12)10
Avg EPS beat(12)24.32%
EPS beat(16)14
Avg EPS beat(16)26.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.38%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-1.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)-0.6%
Revenue beat(8)1
Avg Revenue beat(8)-1.81%
Revenue beat(12)5
Avg Revenue beat(12)4.41%
Revenue beat(16)9
Avg Revenue beat(16)9.29%
PT rev (1m)0%
PT rev (3m)19.47%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)-1.72%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.69%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.57 | ||
| Fwd PE | 1.36 | ||
| P/S | 0.16 | ||
| P/FCF | 1.21 | ||
| P/OCF | 1.09 | ||
| P/B | 0.22 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 1.52 |
EPS(TTM)15.18
EY63.57%
EPS(NY)17.52
Fwd EY73.37%
FCF(TTM)19.74
FCFY82.66%
OCF(TTM)21.91
OCFY91.73%
SpS152
BVpS108.07
TBVpS53.75
PEG (NY)0.07
PEG (5Y)0.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROCE | 7.64% | ||
| ROIC | 5.87% | ||
| ROICexc | 6.03% | ||
| ROICexgc | 8.19% | ||
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| GM | N/A | ||
| FCFM | 12.99% |
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 | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | 1.03 | ||
| Cap/Depr | 50.2% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | 19.8 | ||
| Cash Conversion | 74.02% | ||
| Profit Quality | 150.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.26%
ROIC/WACC0.81
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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
EBIT Next 5YN/A
FCF growth 1Y65.8%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y52.33%
OCF growth 3Y2.49%
OCF growth 5Y21.3%