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

Canada • Toronto Stock Exchange • TSX:IFC-PR-G • CA45823T8749

25.39 CAD
0 (0%)
Last: Feb 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, IFC-PR-G scores 5 out of 10 in our fundamental rating. IFC-PR-G was compared to 78 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • IFC-PR-G had positive earnings in the past year.
  • In the past year IFC-PR-G had a positive cash flow from operations.
  • Each year in the past 5 years IFC-PR-G has been profitable.
  • Each year in the past 5 years IFC-PR-G had a positive operating cash flow.
IFC-PR-G.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-G.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

  • The Return On Assets of IFC-PR-G (4.73%) is better than 88.46% of its industry peers.
  • IFC-PR-G has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC-PR-G outperforms 85.90% of its industry peers.
  • IFC-PR-G has a Return On Invested Capital of 6.85%. This is amongst the best in the industry. IFC-PR-G outperforms 89.74% of its industry peers.
Industry RankSector 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
IFC-PR-G.CA Yearly ROA, ROE, ROICIFC-PR-G.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

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.
  • IFC-PR-G has a better Operating Margin (20.28%) than 67.95% of its industry peers.
  • IFC-PR-G's Operating Margin has improved in the last couple of years.
Industry RankSector 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
IFC-PR-G.CA Yearly Profit, Operating, Gross MarginsIFC-PR-G.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-G is destroying value.
  • Compared to 5 years ago, IFC-PR-G has more shares outstanding
IFC-PR-G.CA Yearly Shares OutstandingIFC-PR-G.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 50M 100M 150M
IFC-PR-G.CA Yearly Total Debt VS Total AssetsIFC-PR-G.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2024 20B 40B 60B

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.
  • IFC-PR-G's Debt to FCF ratio of 1.34 is fine compared to the rest of the industry. IFC-PR-G outperforms 70.51% of its industry peers.
  • A Debt/Equity ratio of 0.27 indicates that IFC-PR-G is not too dependend on debt financing.
  • IFC-PR-G's Debt to Equity ratio of 0.27 is in line compared to the rest of the industry. IFC-PR-G outperforms 47.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC0.93
WACC7.39%
IFC-PR-G.CA Yearly LT Debt VS Equity VS FCFIFC-PR-G.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFC-PR-G.CA Yearly Current Assets VS Current LiabilitesIFC-PR-G.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.79% over the past year.
  • IFC-PR-G shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
  • Looking at the last year, IFC-PR-G shows a decrease in Revenue. The Revenue has decreased by -1.02% in the last year.
  • The Revenue has been growing by 18.42% on average over the past years. This is quite good.
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.
  • IFC-PR-G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.08% yearly.
EPS Next Y28.34%
EPS Next 2Y10.65%
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.
IFC-PR-G.CA Yearly Revenue VS EstimatesIFC-PR-G.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B 25B
IFC-PR-G.CA Yearly EPS VS EstimatesIFC-PR-G.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.36 indicates a rather cheap valuation of IFC-PR-G.
  • 88.46% of the companies in the same industry are more expensive than IFC-PR-G, based on the Price/Earnings ratio.
  • IFC-PR-G is valuated cheaply when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
  • IFC-PR-G is valuated cheaply with a Price/Forward Earnings ratio of 1.44.
  • 89.74% of the companies in the same industry are more expensive than IFC-PR-G, based on the Price/Forward Earnings ratio.
  • IFC-PR-G is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.36
Fwd PE 1.44
IFC-PR-G.CA Price Earnings VS Forward Price EarningsIFC-PR-G.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • IFC-PR-G's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IFC-PR-G is cheaper than 87.18% of the companies in the same industry.
  • 84.62% of the companies in the same industry are more expensive than IFC-PR-G, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.11
EV/EBITDA 1.29
IFC-PR-G.CA Per share dataIFC-PR-G.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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.
  • The decent profitability rating of IFC-PR-G may justify a higher PE ratio.
PEG (NY)0.05
PEG (5Y)0.07
EPS Next 2Y10.65%
EPS Next 3Y9.35%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • IFC-PR-G has a Yearly Dividend Yield of 2.01%.
  • Compared to an average industry Dividend Yield of 3.53, IFC-PR-G's dividend is way lower than its industry peers. On top of this 85.90% of the companies listed in the same industry pay a better dividend than IFC-PR-G!
  • IFC-PR-G's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.01%

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
IFC-PR-G.CA Yearly Dividends per shareIFC-PR-G.CA Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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 2Y10.65%
EPS Next 3Y9.35%
IFC-PR-G.CA Yearly Income VS Free CF VS DividendIFC-PR-G.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
IFC-PR-G.CA Dividend Payout.IFC-PR-G.CA Dividend Payout, showing the Payout Ratio.IFC-PR-G.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP - IFCCN 6.012 PERP

TSX:IFC-PR-G (2/10/2026, 7:00:00 PM)

25.39

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)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 (18.35%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.01%
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)2.81%
PT rev (3m)1.26%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)1.42%
EPS NY rev (1m)0.01%
EPS NY rev (3m)2.81%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector 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
EY73.38%
EPS(NY)17.67
Fwd EY69.59%
FCF(TTM)22.88
FCFY90.1%
OCF(TTM)25.14
OCFY99.03%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.05
PEG (5Y)0.07
Graham Number217
Profitability
Industry RankSector 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 RankSector 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
WACC7.39%
ROIC/WACC0.93
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 Y28.34%
EPS Next 2Y10.65%
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 4 / 10 and the dividend payout ratio is 34.08%.