INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis
TSX:IFC-PR-I - Toronto Stock Exchange - CA45823T8582 - Currency: CAD
Overall IFC-PR-I gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-I against 79 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-I while its profitability can be described as average. IFC-PR-I may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
IFC-PR-I had positive earnings in the past year.
In the past year IFC-PR-I had a positive cash flow from operations.
In the past 5 years IFC-PR-I has always been profitable.
In the past 5 years IFC-PR-I always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.65%, IFC-PR-I is in the better half of the industry, outperforming 79.75% of the companies in the same industry.
With a decent Return On Equity value of 11.78%, IFC-PR-I is doing good in the industry, outperforming 67.09% of the companies in the same industry.
IFC-PR-I has a better Return On Invested Capital (5.49%) than 91.14% of its industry peers.
| 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
The Profit Margin of IFC-PR-I (8.24%) is worse than 63.29% of its industry peers.
In the last couple of years the Profit Margin of IFC-PR-I has grown nicely.
IFC-PR-I's Operating Margin of 15.65% is fine compared to the rest of the industry. IFC-PR-I outperforms 60.76% of its industry peers.
IFC-PR-I'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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-I is destroying value.
Compared to 5 years ago, IFC-PR-I has more shares outstanding
2.2 Solvency
The Debt to FCF ratio of IFC-PR-I is 1.67, which is an excellent value as it means it would take IFC-PR-I, only 1.67 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.67, IFC-PR-I perfoms like the industry average, outperforming 58.23% of the companies in the same industry.
A Debt/Equity ratio of 0.29 indicates that IFC-PR-I is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.29, IFC-PR-I perfoms like the industry average, outperforming 41.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.67 | ||
| Altman-Z | N/A |
ROIC/WACC0.76
WACC7.23%
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.
Looking at the last year, IFC-PR-I shows a small growth in Revenue. The Revenue has grown by 4.57% 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)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
IFC-PR-I is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.40% yearly.
Based on estimates for the next years, IFC-PR-I will show a quite strong growth in Revenue. The Revenue will grow by 9.74% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
With a Price/Earnings ratio of 1.60, the valuation of IFC-PR-I can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of IFC-PR-I indicates a rather cheap valuation: IFC-PR-I is cheaper than 83.54% of the companies listed in the same industry.
IFC-PR-I's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.25.
A Price/Forward Earnings ratio of 1.34 indicates a rather cheap valuation of IFC-PR-I.
Based on the Price/Forward Earnings ratio, IFC-PR-I is valued cheaply inside the industry as 87.34% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.15, IFC-PR-I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.6 | ||
| Fwd PE | 1.34 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-I is valued cheaper than 84.81% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-I is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.29 | ||
| EV/EBITDA | 1.68 |
4.3 Compensation for Growth
IFC-PR-I's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
IFC-PR-I 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
IFC-PR-I has a Yearly Dividend Yield of 1.71%.
Compared to an average industry Dividend Yield of 4.30, IFC-PR-I is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.38, IFC-PR-I is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
5.2 History
IFC-PR-I has been paying a dividend for over 5 years, so it has already some track record.
IFC-PR-I has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
IFC-PR-I 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 5.4 PERP
TSX:IFC-PR-I (5/30/2025, 7:00:00 PM)
23.69
+0.32 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners54.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap4.22B
Analysts74.12
Price Target22.89 (-3.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years0
Div Non Decr Years4
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)6
Avg Revenue beat(12)8.14%
Revenue beat(16)10
Avg Revenue beat(16)10%
PT rev (1m)-0.58%
PT rev (3m)-6.02%
EPS NQ rev (1m)-0.84%
EPS NQ rev (3m)-4.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)2.99%
Revenue NQ rev (3m)2.99%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.6 | ||
| Fwd PE | 1.34 | ||
| P/S | 0.16 | ||
| P/FCF | 1.29 | ||
| P/OCF | 1.14 | ||
| P/B | 0.23 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | 1.68 |
EPS(TTM)14.81
EY62.52%
EPS(NY)17.65
Fwd EY74.51%
FCF(TTM)18.37
FCFY77.54%
OCF(TTM)20.72
OCFY87.46%
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
WACC7.23%
ROIC/WACC0.76
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%