INTACT FINANCIAL CORP - IFCCN 5.3 PERP (IFC-PR-F.CA) Stock Fundamental Analysis
TSX:IFC-PR-F - Toronto Stock Exchange - CA45823T8822 - Currency: CAD
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
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.
IFC-PR-F had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-F has a better Return On Assets (3.71%) than 82.93% of its industry peers.
IFC-PR-F has a better Return On Equity (12.16%) than 80.49% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.49%, IFC-PR-F belongs to the top of the industry, outperforming 87.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 12.16% | ||
| ROIC | 5.49% |
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 (8.33%) which is in line with its industry peers.
In the last couple of years the Profit Margin of IFC-PR-F has grown nicely.
With a Operating Margin value of 15.53%, IFC-PR-F perfoms like the industry average, outperforming 47.56% 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 | 15.53% | ||
| PM (TTM) | 8.33% | ||
| 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.
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 1.85, which is an excellent value as it means it would take IFC-PR-F, only 1.85 years of fcf income to pay off all of its debts.
IFC-PR-F has a better Debt to FCF ratio (1.85) than 71.95% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that IFC-PR-F is not too dependend on debt financing.
IFC-PR-F has a Debt to Equity ratio (0.30) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.76
WACC7.23%
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.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
Looking at the last year, IFC-PR-F shows a small growth in Revenue. The Revenue has grown by 3.16% in the last 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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%16.82%
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%
3.2 Future
The Earnings Per Share is expected to grow by 9.40% on average over the next years. This is quite good.
IFC-PR-F is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.36% yearly.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year7.27%
Revenue Next 2Y6.83%
Revenue Next 3Y9.36%
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
Based on the Price/Earnings ratio of 1.55, the valuation of IFC-PR-F can be described as very cheap.
86.59% of the companies in the same industry are more expensive than IFC-PR-F, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 24.29. IFC-PR-F is valued rather cheaply when compared to this.
Based on the 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 90.24% of the companies are valued more expensively.
IFC-PR-F's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.55 | ||
| 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 86.59% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-F is valued a bit cheaper than the industry average as 62.20% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.35 | ||
| EV/EBITDA | 1.69 |
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)0.1
PEG (5Y)0.08
EPS Next 2Y10.6%
EPS Next 3Y9.4%
5. Dividend
5.1 Amount
IFC-PR-F has a Yearly Dividend Yield of 1.75%.
Compared to an average industry Dividend Yield of 4.35, IFC-PR-F is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.43, IFC-PR-F is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.75% |
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
43.18% of the earnings are spent on dividend by IFC-PR-F. This is a bit on the high side, but may be sustainable.
DP43.18%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
INTACT FINANCIAL CORP - IFCCN 5.3 PERP
TSX:IFC-PR-F (5/5/2025, 7:00:00 PM)
22.41
-0.24 (-1.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners54.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap4.00B
Analysts74.12
Price Target22.66 (1.12%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.75% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP43.18%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)70.63%
Min EPS beat(2)13.21%
Max EPS beat(2)128.05%
EPS beat(4)4
Avg EPS beat(4)45.87%
Min EPS beat(4)5.69%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)30.5%
EPS beat(12)10
Avg EPS beat(12)22.8%
EPS beat(16)14
Avg EPS beat(16)26.14%
Revenue beat(2)0
Avg Revenue beat(2)-1.39%
Min Revenue beat(2)-2.19%
Max Revenue beat(2)-0.6%
Revenue beat(4)1
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)0.56%
Revenue beat(8)3
Avg Revenue beat(8)2.27%
Revenue beat(12)7
Avg Revenue beat(12)11.85%
Revenue beat(16)11
Avg Revenue beat(16)10.96%
PT rev (1m)-9.32%
PT rev (3m)-7.21%
EPS NQ rev (1m)-5.59%
EPS NQ rev (3m)-8.69%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-0.67%
Revenue NQ rev (1m)1.69%
Revenue NQ rev (3m)1.69%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.55 | ||
| Fwd PE | 1.35 | ||
| P/S | 0.15 | ||
| P/FCF | 1.35 | ||
| P/OCF | 1.18 | ||
| P/B | 0.22 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | 1.69 |
EPS(TTM)14.43
EY64.39%
EPS(NY)16.56
Fwd EY73.92%
FCF(TTM)16.59
FCFY74.01%
OCF(TTM)18.99
OCFY84.75%
SpS148.6
BVpS101.76
TBVpS48.12
PEG (NY)0.1
PEG (5Y)0.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 12.16% | ||
| ROCE | 7.15% | ||
| ROIC | 5.49% | ||
| ROICexc | 5.61% | ||
| ROICexgc | 7.63% | ||
| OM | 15.53% | ||
| PM (TTM) | 8.33% | ||
| GM | N/A | ||
| FCFM | 11.16% |
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-ScoreN/A
Asset Turnover0.45
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Debt/EBITDA | 1.13 | ||
| Cap/Depr | 59.09% | ||
| Cap/Sales | 1.62% | ||
| Interest Coverage | 18.29 | ||
| Cash Conversion | 69.95% | ||
| Profit Quality | 134.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC7.23%
ROIC/WACC0.76
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%16.82%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%
Revenue Next Year7.27%
Revenue Next 2Y6.83%
Revenue Next 3Y9.36%
Revenue Next 5YN/A
EBIT growth 1Y31.33%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y113.11%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y83.48%
OCF growth 3Y2.49%
OCF growth 5Y21.3%