INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-F - CA45823T8822
23.96 CAD
-0.1 (-0.42%)
We assign a fundamental rating of 6 out of 10 to IFC-PR-F. IFC-PR-F was compared to 80 industry peers in the Insurance industry. While IFC-PR-F belongs to the best of the industry regarding profitability, 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! Finally IFC-PR-F also has an excellent dividend rating.
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.
In the past 5 years IFC-PR-F always reported a positive cash flow from operatings.
1.2 Ratios
IFC-PR-F has a better Return On Assets (4.73%) than 93.75% of its industry peers.
Looking at the Return On Equity, with a value of 14.93%, IFC-PR-F belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
IFC-PR-F's Return On Invested Capital of 6.85% is amongst the best of the industry. IFC-PR-F outperforms 93.75% of its industry peers.
| 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 better than 76.25% of its industry peers.
In the last couple of years the Profit Margin of IFC-PR-F has grown nicely.
Looking at the Operating Margin, with a value of 20.28%, IFC-PR-F is in the better half of the industry, outperforming 73.75% 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
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
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.
The Debt to FCF ratio of IFC-PR-F (1.34) is better than 76.25% of its industry peers.
IFC-PR-F has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.27, IFC-PR-F is doing good in the industry, outperforming 71.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.94
WACC7.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 23.54% 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.
IFC-PR-F shows a decrease in Revenue. In the last year, the revenue decreased by -1.02%.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
EPS 1Y (TTM)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%344.47%
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%26.12%
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 9.44% yearly.
The Revenue is expected to grow by 5.86% on average over the next years.
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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
IFC-PR-F is valuated cheaply with a Price/Earnings ratio of 1.66.
IFC-PR-F's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-F is cheaper than 91.25% of the companies in the same industry.
When comparing the Price/Earnings ratio of IFC-PR-F to the average of the S&P500 Index (25.47), we can say IFC-PR-F is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 1.37, the valuation of IFC-PR-F can be described as very cheap.
Based on the Price/Forward Earnings ratio, IFC-PR-F is valued cheaper than 92.50% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.42. IFC-PR-F is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.66 | ||
| Fwd PE | 1.37 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IFC-PR-F indicates a rather cheap valuation: IFC-PR-F is cheaper than 90.00% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-F is valued a bit cheaper than 71.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.05 | ||
| EV/EBITDA | 1.25 |
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)0.07
PEG (5Y)0.09
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.52%, IFC-PR-F is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.58, IFC-PR-F pays a better dividend. On top of this IFC-PR-F pays more dividend than 96.25% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, IFC-PR-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
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 2Y10.24%
EPS Next 3Y9.44%
INTACT FINANCIAL CORP - IFCCN 5.3 PERP
TSX:IFC-PR-F (11/19/2025, 7:00:00 PM)
23.96
-0.1 (-0.42%)
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 Cap4.26B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target28.39 (18.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)8.73%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)20.35%
Revenue beat(4)1
Avg Revenue beat(4)3.75%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)20.35%
Revenue beat(8)2
Avg Revenue beat(8)0.88%
Revenue beat(12)5
Avg Revenue beat(12)4.05%
Revenue beat(16)9
Avg Revenue beat(16)10.2%
PT rev (1m)-2.94%
PT rev (3m)7.77%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)-0.11%
EPS NY rev (1m)1.34%
EPS NY rev (3m)8.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.66 | ||
| Fwd PE | 1.37 | ||
| P/S | 0.16 | ||
| P/FCF | 1.05 | ||
| P/OCF | 0.95 | ||
| P/B | 0.21 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 1.25 |
EPS(TTM)14.43
EY60.23%
EPS(NY)17.54
Fwd EY73.19%
FCF(TTM)22.86
FCFY95.42%
OCF(TTM)25.13
OCFY104.87%
SpS149.64
BVpS112.27
TBVpS57.18
PEG (NY)0.07
PEG (5Y)0.09
Graham Number190.92
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
WACC7.26%
ROIC/WACC0.94
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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%344.47%
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%26.12%
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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 6 / 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 7 / 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 3 / 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 7 / 10 and the dividend payout ratio is 34.08%.