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

TSX:IFC-PR-G • CA45823T8749

25.5 CAD
-0.08 (-0.31%)
Last: Mar 3, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This IFC-PR-G.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

Overall IFC-PR-G gets a fundamental rating of 6 out of 10. We evaluated IFC-PR-G against 80 industry peers in the Insurance industry. IFC-PR-G has an excellent profitability rating, but there are some minor concerns on its financial health. IFC-PR-G is valued quite cheap, while showing a decent growth score. This is a good combination! IFC-PR-G also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

7

1. IFC-PR-G.CA Profitability Analysis

1.1 Basic Checks

  • In the past year IFC-PR-G was profitable.
  • 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.
  • In the past 5 years IFC-PR-G always reported a positive cash flow from operatings.
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 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • IFC-PR-G has a Return On Assets of 5.21%. This is amongst the best in the industry. IFC-PR-G outperforms 90.00% of its industry peers.
  • Looking at the Return On Equity, with a value of 15.72%, IFC-PR-G belongs to the top of the industry, outperforming 86.25% of the companies in the same industry.
  • IFC-PR-G's Return On Invested Capital of 7.52% is amongst the best of the industry. IFC-PR-G outperforms 90.00% of its industry peers.
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROIC 7.52%
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 2025 5 10 15

1.3 Margins

  • IFC-PR-G has a Profit Margin of 12.01%. This is in the better half of the industry: IFC-PR-G outperforms 71.25% of its industry peers.
  • IFC-PR-G's Profit Margin has improved in the last couple of years.
  • IFC-PR-G's Operating Margin of 21.11% is fine compared to the rest of the industry. IFC-PR-G outperforms 68.75% of its industry peers.
  • IFC-PR-G's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 21.11%
PM (TTM) 12.01%
GM N/A
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
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 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. IFC-PR-G.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), IFC-PR-G is creating some value.
  • IFC-PR-G has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for IFC-PR-G has been increased compared to 5 years ago.
  • The debt/assets ratio for IFC-PR-G has been reduced compared to a year ago.
IFC-PR-G.CA Yearly Shares OutstandingIFC-PR-G.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 2025 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 2025 20B 40B 60B

2.2 Solvency

  • IFC-PR-G 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.
  • IFC-PR-G has a better Debt to FCF ratio (1.34) than 70.00% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that IFC-PR-G is not too dependend on debt financing.
  • IFC-PR-G's Debt to Equity ratio of 0.25 is amongst the best of the industry. IFC-PR-G outperforms 81.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1.34
WACC5.6%
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 2025 5B 10B 15B 20B

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 2025 1B 2B 3B 4B

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

4

3. IFC-PR-G.CA Growth Analysis

3.1 Past

  • IFC-PR-G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.06%, which is quite impressive.
  • Measured over the past years, IFC-PR-G shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.12% on average per year.
  • Looking at the last year, IFC-PR-G shows a small growth in Revenue. The Revenue has grown by 2.93% in the last year.
  • Measured over the past years, IFC-PR-G shows a quite strong growth in Revenue. The Revenue has been growing by 16.74% on average per year.
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%

3.2 Future

  • IFC-PR-G is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.86% yearly.
  • The Revenue is expected to grow by 5.50% on average over the next years.
EPS Next Y-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
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 2028 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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8

4. IFC-PR-G.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.33 indicates a rather cheap valuation of IFC-PR-G.
  • Based on the Price/Earnings ratio, IFC-PR-G is valued cheaper than 88.75% of the companies in the same industry.
  • IFC-PR-G is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 1.44 indicates a rather cheap valuation of IFC-PR-G.
  • 90.00% of the companies in the same industry are more expensive than IFC-PR-G, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of IFC-PR-G to the average of the S&P500 Index (24.95), we can say IFC-PR-G is valued rather cheaply.
Industry RankSector Rank
PE 1.33
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IFC-PR-G indicates a rather cheap valuation: IFC-PR-G is cheaper than 88.75% of the companies listed in the same industry.
  • 83.75% 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 1.15
EV/EBITDA 1.26
IFC-PR-G.CA Per share dataIFC-PR-G.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The decent profitability rating of IFC-PR-G may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-0.86%
EPS Next 3YN/A

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

7

5. IFC-PR-G.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.43%, IFC-PR-G is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.43, IFC-PR-G has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, IFC-PR-G pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.43%

5.2 History

  • The dividend of IFC-PR-G is nicely growing with an annual growth rate of 15.73%!
  • 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)15.73%
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 2026 0.5 1 1.5

5.3 Sustainability

  • IFC-PR-G pays out 31.66% of its income as dividend. This is a sustainable payout ratio.
DP31.66%
EPS Next 2Y-0.86%
EPS Next 3YN/A
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 2025 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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IFC-PR-G.CA Fundamentals: All Metrics, Ratios and Statistics

INTACT FINANCIAL CORP - IFCCN 6.012 PERP

TSX:IFC-PR-G (3/3/2026, 7:00:00 PM)

25.5

-0.08 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.53B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target31.54 (23.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.43%
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr Years2
Div Non Decr Years6
Ex-Date03-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)7.9%
Max EPS beat(2)16.68%
EPS beat(4)4
Avg EPS beat(4)16.77%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)31.32%
EPS beat(12)11
Avg EPS beat(12)25.92%
EPS beat(16)14
Avg EPS beat(16)21.3%
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.39%
Revenue beat(16)7
Avg Revenue beat(16)6.71%
PT rev (1m)4.97%
PT rev (3m)8.01%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)0.28%
EPS NY rev (1m)0%
EPS NY rev (3m)0.75%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 1.33
Fwd PE 1.44
P/S 0.17
P/FCF 1.15
P/OCF 1.03
P/B 0.22
P/tB 0.41
EV/EBITDA 1.26
EPS(TTM)19.2
EY75.29%
EPS(NY)17.67
Fwd EY69.29%
FCF(TTM)22.13
FCFY86.79%
OCF(TTM)24.7
OCFY96.87%
SpS153.56
BVpS117.3
TBVpS62.19
PEG (NY)N/A
PEG (5Y)0.09
Graham Number225.11
Profitability
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROCE 9.51%
ROIC 7.52%
ROICexc 7.69%
ROICexgc 10.29%
OM 21.11%
PM (TTM) 12.01%
GM N/A
FCFM 14.41%
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 3Y15.83%
ROICexgc growth 5Y12.36%
ROICexc growth 3Y16.69%
ROICexc growth 5Y11.57%
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Debt/EBITDA 0.8
Cap/Depr 57.34%
Cap/Sales 1.68%
Interest Coverage 25.37
Cash Conversion 66.94%
Profit Quality 120.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC5.6%
ROIC/WACC1.34
Cap/Depr(3y)64.38%
Cap/Depr(5y)67.42%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.77%
Profit Quality(3y)122.24%
Profit Quality(5y)128.87%
High Growth Momentum
Growth
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
EPS Next Y-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
Revenue Next 5YN/A
EBIT growth 1Y39.89%
EBIT growth 3Y22.87%
EBIT growth 5Y26.22%
EBIT Next Year8.2%
EBIT Next 3Y5.94%
EBIT Next 5YN/A
FCF growth 1Y32.89%
FCF growth 3Y6.5%
FCF growth 5Y12.42%
OCF growth 1Y29.55%
OCF growth 3Y6.19%
OCF growth 5Y13.28%

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 6 / 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 8 / 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 7 / 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 1.33 and the Price/Book (PB) ratio is 0.22.


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 7 / 10 and the dividend payout ratio is 31.66%.