IFC-PR-G Fundamental Analysis - INTACT FINANCIAL CORP - IFCCN 6.012 PERP

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to IFC-PR-G. IFC-PR-G was compared to 80 industry peers in the Insurance industry. IFC-PR-G has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-G. IFC-PR-G also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

IFC-PR-G had positive earnings in the past year.
IFC-PR-G had a positive operating cash flow in the past year.
IFC-PR-G had positive earnings in each of the past 5 years.
Each year in the past 5 years IFC-PR-G had a positive operating cash flow.

1.2 Ratios

IFC-PR-G's Return On Assets of 4.73% is amongst the best of the industry. IFC-PR-G outperforms 90.12% of its industry peers.
IFC-PR-G has a better Return On Equity (14.93%) than 87.65% of its industry peers.
IFC-PR-G has a better Return On Invested Capital (6.85%) than 91.36% 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

IFC-PR-G has a Profit Margin (11.20%) which is in line with its industry peers.
In the last couple of years the Profit Margin of IFC-PR-G has grown nicely.
Looking at the Operating Margin, with a value of 20.28%, IFC-PR-G is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
In the last couple of years the Operating Margin of IFC-PR-G has grown nicely.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

IFC-PR-G 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-G has been increased compared to 5 years ago.

2.2 Solvency

The Debt to FCF ratio of IFC-PR-G is 1.34, which is an excellent value as it means it would take IFC-PR-G, only 1.34 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.34, IFC-PR-G is doing good in the industry, outperforming 72.84% of the companies in the same industry.
IFC-PR-G has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.27, IFC-PR-G perfoms like the industry average, outperforming 50.62% 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

IFC-PR-G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.79%, which is quite impressive.
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-G shows a decrease in Revenue. The Revenue has decreased by -1.02% in the last 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)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

IFC-PR-G is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.35% yearly.
The Revenue is expected to grow by 6.08% on average over the next years.

EPS Next Y28.32%

EPS Next 2Y10.67%

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.36, which indicates a rather cheap valuation of IFC-PR-G.
IFC-PR-G's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-G is cheaper than 90.12% of the companies in the same industry.
IFC-PR-G's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
IFC-PR-G is valuated cheaply with a Price/Forward Earnings ratio of 1.44.
Based on the Price/Forward Earnings ratio, IFC-PR-G is valued cheaply inside the industry as 91.36% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, IFC-PR-G is valued rather cheaply.

		Industry Rank	Sector Rank
PE	1.36
Fwd PE	1.44

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, IFC-PR-G is valued cheaper than 88.89% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-G is valued cheaply inside the industry as 86.42% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	1.11
EV/EBITDA	1.29

4.3 Compensation for Growth

IFC-PR-G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of IFC-PR-G may justify a higher PE ratio.

PEG (NY)0.05

PEG (5Y)0.07

EPS Next 2Y10.67%

EPS Next 3Y9.35%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.62%, IFC-PR-G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.15, IFC-PR-G pays a better dividend. On top of this IFC-PR-G pays more dividend than 92.59% of the companies listed in the same industry.
IFC-PR-G's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.

		Industry Rank	Sector Rank
Dividend Yield	5.62%

5.2 History

IFC-PR-G has been paying a dividend for over 5 years, so it has already some track record.
As IFC-PR-G did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)N/A

Div Incr Years2

Div Non Decr Years6

5.3 Sustainability

34.08% of the earnings are spent on dividend by IFC-PR-G. This is a low number and sustainable payout ratio.

DP34.08%

EPS Next 2Y10.67%

EPS Next 3Y9.35%

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INTACT FINANCIAL CORP - IFCCN 6.012 PERP

TSX:IFC-PR-G (1/16/2026, 7:00:00 PM)

25.37

-0.13 (-0.51%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-04 2025-11-04/amc

Earnings (Next)02-10 2026-02-10

Inst Owners46.32%

Inst Owner ChangeN/A

Ins Owners0.33%

Ins Owner ChangeN/A

Market Cap4.51B

Revenue(TTM)26.61B

Net Income(TTM)2.98B

Analysts75.56

Price Target30.05 (18.45%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.62%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP34.08%

Div Incr Years2

Div Non Decr Years6

Ex-DateN/A

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)4

Avg Revenue beat(12)-0.12%

Revenue beat(16)8

Avg Revenue beat(16)7.07%

PT rev (1m)-0.4%

PT rev (3m)-4.44%

EPS NQ rev (1m)0.18%

EPS NQ rev (3m)0.62%

EPS NY rev (1m)0.04%

EPS NY rev (3m)4.18%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.28%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.39%

Valuation

		Industry Rank	Sector Rank
PE	1.36
Fwd PE	1.44
P/S	0.17
P/FCF	1.11
P/OCF	1.01
P/B	0.23
P/tB	0.44
EV/EBITDA	1.29

EPS(TTM)18.63

EY73.43%

EPS(NY)17.67

Fwd EY69.66%

FCF(TTM)22.88

FCFY90.17%

OCF(TTM)25.14

OCFY99.11%

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

WACC7.26%

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)35.79%

EPS 3Y5.44%

EPS 5Y18.56%

EPS Q2Q%341.58%

EPS Next Y28.32%

EPS Next 2Y10.67%

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 6.012 PERP / IFC-PR-G.CA FAQ

What is the fundamental rating for IFC-PR-G stock?

ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-G.CA.

What is the valuation status of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) stock?

ChartMill assigns a valuation rating of 9 / 10 to INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA). This can be considered as Undervalued.

How profitable is INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) stock?

INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) has a profitability rating of 6 / 10.

What are the PE and PB ratios of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) stock?

The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) is 1.36 and the Price/Book (PB) ratio is 0.23.

How sustainable is the dividend of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) stock?

The dividend rating of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) is 6 / 10 and the dividend payout ratio is 34.08%.

INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

INTACT FINANCIAL CORP - IFCCN 6.012 PERP / IFC-PR-G.CA FAQ

What is the fundamental rating for IFC-PR-G stock?

What is the valuation status of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) stock?

How profitable is INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) stock?

What are the PE and PB ratios of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) stock?

How sustainable is the dividend of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) stock?