INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-G - CA45823T8749
25.35 CAD
-0.01 (-0.04%)
Taking everything into account, IFC-PR-G scores 5 out of 10 in our fundamental rating. IFC-PR-G was compared to 80 industry peers in the Insurance industry. While IFC-PR-G is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
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.
1.2 Ratios
IFC-PR-G has a Return On Assets of 3.82%. This is amongst the best in the industry. IFC-PR-G outperforms 81.25% of its industry peers.
The Return On Equity of IFC-PR-G (12.11%) is better than 70.00% of its industry peers.
With an excellent Return On Invested Capital value of 5.87%, IFC-PR-G belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROIC | 5.87% |
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 8.61%. This is in the lower half of the industry: IFC-PR-G underperforms 61.25% of its industry peers.
IFC-PR-G's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 16.63%, IFC-PR-G is in the better half of the industry, outperforming 70.00% 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 | 16.63% | ||
| PM (TTM) | 8.61% | ||
| 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
IFC-PR-G has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.55, IFC-PR-G is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
IFC-PR-G has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
IFC-PR-G has a Debt to Equity ratio of 0.28. This is comparable to the rest of the industry: IFC-PR-G outperforms 57.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.81
WACC7.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC-PR-G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.50%.
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 4.15% 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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
3.2 Future
Based on estimates for the next years, IFC-PR-G will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.44% on average per year.
The Revenue is expected to grow by 5.86% on average over the next years.
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 1.67, the valuation of IFC-PR-G can be described as very cheap.
88.75% of the companies in the same industry are more expensive than IFC-PR-G, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.89, IFC-PR-G is valued rather cheaply.
IFC-PR-G is valuated cheaply with a Price/Forward Earnings ratio of 1.45.
IFC-PR-G's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-G is cheaper than 88.75% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. IFC-PR-G is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.67 | ||
| Fwd PE | 1.45 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-G is valued cheaper than 86.25% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-G indicates a somewhat cheap valuation: IFC-PR-G is cheaper than 65.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.28 | ||
| EV/EBITDA | 1.57 |
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)0.07
PEG (5Y)0.09
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
IFC-PR-G has a Yearly Dividend Yield of 5.52%, which is a nice return.
With a Dividend Yield of 5.52, IFC-PR-G pays less dividend than the industry average, which is at 4.39. 87.50% of the companies listed in the same industry pay a better dividend than IFC-PR-G!
IFC-PR-G's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
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
IFC-PR-G pays out 42.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
INTACT FINANCIAL CORP - IFCCN 6.012 PERP
TSX:IFC-PR-G (11/14/2025, 7:00:00 PM)
25.35
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.23%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.51B
Revenue(TTM)27.03B
Net Income(TTM)2.33B
Analysts75.56
Price Target29.67 (17.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years2
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.25%
Min EPS beat(2)12.33%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)45.94%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)8
Avg EPS beat(8)36.37%
EPS beat(12)10
Avg EPS beat(12)24.32%
EPS beat(16)14
Avg EPS beat(16)26.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.38%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-1.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)-0.6%
Revenue beat(8)1
Avg Revenue beat(8)-1.81%
Revenue beat(12)4
Avg Revenue beat(12)1.79%
Revenue beat(16)8
Avg Revenue beat(16)7.33%
PT rev (1m)-5.63%
PT rev (3m)-0.35%
EPS NQ rev (1m)6.42%
EPS NQ rev (3m)5.54%
EPS NY rev (1m)1.34%
EPS NY rev (3m)8.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.67 | ||
| Fwd PE | 1.45 | ||
| P/S | 0.17 | ||
| P/FCF | 1.28 | ||
| P/OCF | 1.16 | ||
| P/B | 0.23 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | 1.57 |
EPS(TTM)15.18
EY59.88%
EPS(NY)17.54
Fwd EY69.18%
FCF(TTM)19.74
FCFY77.87%
OCF(TTM)21.91
OCFY86.41%
SpS152
BVpS108.07
TBVpS53.75
PEG (NY)0.07
PEG (5Y)0.09
Graham Number192.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROCE | 7.64% | ||
| ROIC | 5.87% | ||
| ROICexc | 6.03% | ||
| ROICexgc | 8.19% | ||
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| GM | N/A | ||
| FCFM | 12.99% |
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 Turnover0.44
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | 1.03 | ||
| Cap/Depr | 50.2% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | 19.8 | ||
| Cash Conversion | 74.02% | ||
| Profit Quality | 150.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.29%
ROIC/WACC0.81
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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
EBIT Next 5YN/A
FCF growth 1Y65.8%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y52.33%
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.
Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 6.012 PERP?
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.
Can you provide the profitability details for INTACT FINANCIAL CORP - IFCCN 6.012 PERP?
INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) has a profitability rating of 6 / 10.
Can you provide the financial health for IFC-PR-G stock?
The financial health rating of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) is 2 / 10.
Can you provide the expected EPS growth for IFC-PR-G stock?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) is expected to grow by 24.83% in the next year.