INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-F - CA45823T8822
24.66 CAD
+0.16 (+0.65%)
IFC-PR-F gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 82 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
In the past year IFC-PR-F was profitable.
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.
1.2 Ratios
IFC-PR-F's Return On Assets of 4.73% is amongst the best of the industry. IFC-PR-F outperforms 92.68% of its industry peers.
With an excellent Return On Equity value of 14.93%, IFC-PR-F belongs to the best of the industry, outperforming 87.80% of the companies in the same industry.
With an excellent Return On Invested Capital value of 6.85%, IFC-PR-F belongs to the best of the industry, outperforming 93.90% 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
IFC-PR-F has a Profit Margin of 11.20%. This is comparable to the rest of the industry: IFC-PR-F outperforms 58.54% of its industry peers.
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 73.17% 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
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
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 75.61% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that IFC-PR-F is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.27, IFC-PR-F is in line with its industry, outperforming 53.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.95
WACC7.22%
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 35.79%, which is quite impressive.
IFC-PR-F shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
The Revenue has decreased by -1.02% 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)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
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 9.35% on average per year.
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 Y28.27%
EPS Next 2Y10.61%
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.
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 1.32 indicates a rather cheap valuation of IFC-PR-F.
90.24% 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 26.59, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 1.40 indicates a rather cheap valuation of IFC-PR-F.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-F indicates a rather cheap valuation: IFC-PR-F is cheaper than 91.46% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of IFC-PR-F to the average of the S&P500 Index (23.80), we can say IFC-PR-F is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.32 | ||
| Fwd PE | 1.4 |
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 89.02% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-F is valued a bit cheaper than 68.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.08 | ||
| EV/EBITDA | 1.27 |
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.
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 2Y10.61%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
IFC-PR-F has a Yearly Dividend Yield of 5.37%, which is a nice return.
IFC-PR-F's Dividend Yield is comparable with the industry average which is at 4.30.
Compared to an average S&P500 Dividend Yield of 2.31, IFC-PR-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.37% |
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 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 5.3 PERP
TSX:IFC-PR-F (12/10/2025, 7:00:00 PM)
24.66
+0.16 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.49%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.38B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target27.76 (12.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.37% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years7
Ex-Date
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)-9.69%
PT rev (3m)-7.51%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)2.76%
EPS NY rev (3m)3.95%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.32 | ||
| Fwd PE | 1.4 | ||
| P/S | 0.16 | ||
| P/FCF | 1.08 | ||
| P/OCF | 0.98 | ||
| P/B | 0.22 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | 1.27 |
EPS(TTM)18.63
EY75.55%
EPS(NY)17.66
Fwd EY71.59%
FCF(TTM)22.88
FCFY92.77%
OCF(TTM)25.14
OCFY101.97%
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
WACC7.22%
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 Y28.27%
EPS Next 2Y10.61%
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.
What is the valuation status for IFC-PR-F stock?
ChartMill assigns a valuation rating of 8 / 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.
Can you provide the financial health for IFC-PR-F stock?
The financial health rating of INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) is 2 / 10.
Is the dividend of INTACT FINANCIAL CORP - IFCCN 5.3 PERP sustainable?
The dividend rating of INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) is 6 / 10 and the dividend payout ratio is 34.08%.