INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-F - CA45823T8822
24.5 CAD
+0.05 (+0.2%)
We assign a fundamental rating of 5 out of 10 to IFC-PR-F. IFC-PR-F was compared to 80 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.
In the past year IFC-PR-F had a positive cash flow from operations.
Each year in the past 5 years IFC-PR-F has been profitable.
Each year in the past 5 years IFC-PR-F had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 3.82%, IFC-PR-F belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
The Return On Equity of IFC-PR-F (12.11%) is better than 68.75% of its industry peers.
With an excellent Return On Invested Capital value of 5.87%, IFC-PR-F belongs to the best of the industry, outperforming 92.50% 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
The Profit Margin of IFC-PR-F (8.61%) is worse than 60.00% of its industry peers.
IFC-PR-F's Profit Margin has improved in the last couple of years.
IFC-PR-F's Operating Margin of 16.63% is fine compared to the rest of the industry. IFC-PR-F outperforms 72.50% of its industry peers.
IFC-PR-F's Operating Margin has improved in the last couple of years.
| 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.
Compared to 5 years ago, IFC-PR-F has more shares outstanding
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's Debt to FCF ratio of 1.55 is fine compared to the rest of the industry. IFC-PR-F outperforms 63.75% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that IFC-PR-F is not too dependend on debt financing.
IFC-PR-F has a Debt to Equity ratio (0.28) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.79
WACC7.43%
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%.
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 4.15% 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)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
IFC-PR-F is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.33% yearly.
The Revenue is expected to grow by 6.11% on average over the next years.
EPS Next Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.61 indicates a rather cheap valuation of IFC-PR-F.
Based on the Price/Earnings ratio, IFC-PR-F is valued cheaper than 88.75% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.43, IFC-PR-F is valued rather cheaply.
With a Price/Forward Earnings ratio of 1.40, the valuation of IFC-PR-F can be described as very cheap.
88.75% of the companies in the same industry are more expensive than IFC-PR-F, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, IFC-PR-F is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.61 | ||
| Fwd PE | 1.4 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-F is valued cheaply inside the industry as 86.25% of the companies are valued more expensively.
IFC-PR-F's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IFC-PR-F is cheaper than 65.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.24 | ||
| EV/EBITDA | 1.55 |
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)0.07
PEG (5Y)0.09
EPS Next 2Y10.3%
EPS Next 3Y9.33%
5. Dividend
5.1 Amount
IFC-PR-F has a Yearly Dividend Yield of 5.39%, which is a nice return.
IFC-PR-F's Dividend Yield is a higher than the industry average which is at 4.81.
IFC-PR-F's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
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
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 2Y10.3%
EPS Next 3Y9.33%
INTACT FINANCIAL CORP - IFCCN 5.3 PERP
TSX:IFC-PR-F (9/11/2025, 7:00:00 PM)
24.5
+0.05 (+0.2%)
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 Cap4.37B
Analysts72.94
Price Target30.02 (22.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
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)13.92%
PT rev (3m)33.48%
EPS NQ rev (1m)-0.17%
EPS NQ rev (3m)-6.27%
EPS NY rev (1m)7.49%
EPS NY rev (3m)7.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.62%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)-1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.61 | ||
| Fwd PE | 1.4 | ||
| P/S | 0.16 | ||
| P/FCF | 1.24 | ||
| P/OCF | 1.12 | ||
| P/B | 0.23 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | 1.55 |
EPS(TTM)15.18
EY61.96%
EPS(NY)17.56
Fwd EY71.66%
FCF(TTM)19.68
FCFY80.33%
OCF(TTM)21.84
OCFY89.14%
SpS151.55
BVpS107.75
TBVpS53.59
PEG (NY)0.07
PEG (5Y)0.09
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
WACC7.43%
ROIC/WACC0.79
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 Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
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%