INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) Stock Fundamental Analysis
TSX:IFC-PR-G - Toronto Stock Exchange - CA45823T8749 - Currency: CAD
We assign a fundamental rating of 5 out of 10 to IFC-PR-G. IFC-PR-G was compared to 81 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-G while its profitability can be described as average. IFC-PR-G may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-G was profitable.
IFC-PR-G had a positive operating cash flow in the past year.
In the past 5 years IFC-PR-G has always been profitable.
Each year in the past 5 years IFC-PR-G had a positive operating cash flow.
1.2 Ratios
The Return On Assets of IFC-PR-G (3.65%) is better than 79.01% of its industry peers.
IFC-PR-G's Return On Equity of 11.78% is fine compared to the rest of the industry. IFC-PR-G outperforms 66.67% of its industry peers.
With an excellent Return On Invested Capital value of 5.49%, IFC-PR-G belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 11.78% | ||
| 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-G has a Profit Margin of 8.24%. This is in the lower half of the industry: IFC-PR-G underperforms 61.73% of its industry peers.
IFC-PR-G's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 15.65%, IFC-PR-G is doing good in the industry, outperforming 60.49% of the companies in the same industry.
IFC-PR-G's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.65% | ||
| PM (TTM) | 8.24% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-G is destroying value.
Compared to 5 years ago, IFC-PR-G has more shares outstanding
2.2 Solvency
The Debt to FCF ratio of IFC-PR-G is 1.67, which is an excellent value as it means it would take IFC-PR-G, only 1.67 years of fcf income to pay off all of its debts.
IFC-PR-G's Debt to FCF ratio of 1.67 is in line compared to the rest of the industry. IFC-PR-G outperforms 58.02% of its industry peers.
IFC-PR-G has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
IFC-PR-G has a Debt to Equity ratio (0.29) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.67 | ||
| Altman-Z | N/A |
ROIC/WACC0.62
WACC8.89%
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 20.90% over the past year.
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 4.57% in the past year.
IFC-PR-G shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.
EPS 1Y (TTM)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%
3.2 Future
The Earnings Per Share is expected to grow by 9.40% on average over the next years. This is quite good.
The Revenue is expected to grow by 9.74% on average over the next years. This is quite good.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
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
The Price/Earnings ratio is 1.69, which indicates a rather cheap valuation of IFC-PR-G.
Based on the Price/Earnings ratio, IFC-PR-G is valued cheaper than 81.48% of the companies in the same industry.
IFC-PR-G is valuated cheaply when we compare the Price/Earnings ratio to 26.86, which is the current average of the S&P500 Index.
IFC-PR-G is valuated cheaply with a Price/Forward Earnings ratio of 1.41.
Based on the Price/Forward Earnings ratio, IFC-PR-G is valued cheaply inside the industry as 86.42% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.43, IFC-PR-G is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.69 | ||
| Fwd PE | 1.41 |
4.2 Price Multiples
83.95% of the companies in the same industry are more expensive than IFC-PR-G, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-G is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.36 | ||
| EV/EBITDA | 1.73 |
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-G has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.11
PEG (5Y)0.09
EPS Next 2Y10.6%
EPS Next 3Y9.4%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.64%, IFC-PR-G is a good candidate for dividend investing.
IFC-PR-G's Dividend Yield is comparable with the industry average which is at 5.01.
IFC-PR-G's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.64% |
5.2 History
IFC-PR-G has been paying a dividend for over 5 years, so it has already some track record.
IFC-PR-G 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 Years2
Div Non Decr Years6
5.3 Sustainability
IFC-PR-G pays out 44.07% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP44.07%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
INTACT FINANCIAL CORP - IFCCN 6.012 PERP
TSX:IFC-PR-G (6/26/2025, 7:00:00 PM)
24.97
-0.02 (-0.08%)
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 Cap4.45B
Analysts74.12
Price Target26.44 (5.89%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.64% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years2
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.77%
Min EPS beat(2)12.33%
Max EPS beat(2)13.21%
EPS beat(4)4
Avg EPS beat(4)47.53%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)31.73%
EPS beat(12)10
Avg EPS beat(12)22.78%
EPS beat(16)14
Avg EPS beat(16)26.26%
Revenue beat(2)0
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-1.86%
Max Revenue beat(2)-0.6%
Revenue beat(4)0
Avg Revenue beat(4)-2.24%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)-0.6%
Revenue beat(8)2
Avg Revenue beat(8)-1.31%
Revenue beat(12)5
Avg Revenue beat(12)5.52%
Revenue beat(16)9
Avg Revenue beat(16)8.04%
PT rev (1m)9.28%
PT rev (3m)0.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.84%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.69 | ||
| Fwd PE | 1.41 | ||
| P/S | 0.17 | ||
| P/FCF | 1.36 | ||
| P/OCF | 1.21 | ||
| P/B | 0.24 | ||
| P/tB | 0.5 | ||
| EV/EBITDA | 1.73 |
EPS(TTM)14.81
EY59.31%
EPS(NY)17.65
Fwd EY70.69%
FCF(TTM)18.37
FCFY73.57%
OCF(TTM)20.72
OCFY82.98%
SpS150.36
BVpS105.24
TBVpS50.26
PEG (NY)0.11
PEG (5Y)0.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 11.78% | ||
| ROCE | 7.14% | ||
| ROIC | 5.49% | ||
| ROICexc | 5.62% | ||
| ROICexgc | 7.67% | ||
| OM | 15.65% | ||
| PM (TTM) | 8.24% | ||
| GM | N/A | ||
| FCFM | 12.22% |
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 | 0.29 | ||
| Debt/FCF | 1.67 | ||
| Debt/EBITDA | 1.11 | ||
| Cap/Depr | 57.01% | ||
| Cap/Sales | 1.56% | ||
| Interest Coverage | 19.08 | ||
| Cash Conversion | 74.92% | ||
| Profit Quality | 148.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.89%
ROIC/WACC0.62
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)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
Revenue Next 5YN/A
EBIT growth 1Y26.57%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y47.37%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y38.96%
OCF growth 3Y2.49%
OCF growth 5Y21.3%