INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-I - CA45823T8582
24.8 CAD
-0.02 (-0.08%)
Overall IFC-PR-I gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-I against 80 industry peers in the Insurance industry. While IFC-PR-I is still in line with the averages on profitability rating, there are concerns on its financial health. IFC-PR-I is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-I was profitable.
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.
IFC-PR-I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-I has a better Return On Assets (3.82%) than 82.50% of its industry peers.
The Return On Equity of IFC-PR-I (12.11%) is better than 71.25% of its industry peers.
The Return On Invested Capital of IFC-PR-I (5.87%) is better than 91.25% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 8.61%, IFC-PR-I is in line with its industry, outperforming 41.25% of the companies in the same industry.
IFC-PR-I's Profit Margin has improved in the last couple of years.
IFC-PR-I's Operating Margin of 16.63% is fine compared to the rest of the industry. IFC-PR-I outperforms 71.25% of its industry peers.
IFC-PR-I'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
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
IFC-PR-I 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.
IFC-PR-I has a better Debt to FCF ratio (1.55) than 63.75% of its industry peers.
IFC-PR-I has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.28, IFC-PR-I is in line with its industry, outperforming 58.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.79
WACC7.4%
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 been growing slightly by 2.50% over the past year.
IFC-PR-I shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
The Revenue has been growing slightly by 4.15% in the past year.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
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
IFC-PR-I is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.32% yearly.
The Revenue is expected to grow by 5.88% on average over the next years.
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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 1.63, 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 90.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.40. IFC-PR-I is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 1.42, the valuation of IFC-PR-I can be described as very cheap.
90.00% of the companies in the same industry are more expensive than IFC-PR-I, based on the Price/Forward Earnings ratio.
IFC-PR-I is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.63 | ||
| Fwd PE | 1.42 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-I is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
IFC-PR-I's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IFC-PR-I is cheaper than 66.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.26 | ||
| EV/EBITDA | 1.56 |
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-I may justify a higher PE ratio.
PEG (NY)0.07
PEG (5Y)0.09
EPS Next 2Y10.19%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
IFC-PR-I has a Yearly Dividend Yield of 2.00%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.00, IFC-PR-I pays less dividend than the industry average, which is at 5.02. 91.25% of the companies listed in the same industry pay a better dividend than IFC-PR-I!
Compared to an average S&P500 Dividend Yield of 2.38, IFC-PR-I has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
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 42.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
INTACT FINANCIAL CORP - IFCCN 5.4 PERP
TSX:IFC-PR-I (10/17/2025, 7:00:00 PM)
24.8
-0.02 (-0.08%)
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 Cap4.42B
Analysts73.33
Price Target30.97 (24.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years0
Div Non Decr Years4
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)5
Avg Revenue beat(12)4.41%
Revenue beat(16)9
Avg Revenue beat(16)9.29%
PT rev (1m)4.38%
PT rev (3m)22.2%
EPS NQ rev (1m)-0.66%
EPS NQ rev (3m)-2.74%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.69%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.63 | ||
| Fwd PE | 1.42 | ||
| P/S | 0.16 | ||
| P/FCF | 1.26 | ||
| P/OCF | 1.14 | ||
| P/B | 0.23 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | 1.56 |
EPS(TTM)15.18
EY61.21%
EPS(NY)17.52
Fwd EY70.65%
FCF(TTM)19.69
FCFY79.4%
OCF(TTM)21.85
OCFY88.11%
SpS151.62
BVpS107.8
TBVpS53.62
PEG (NY)0.07
PEG (5Y)0.09
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
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 | 0.28 | ||
| 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
WACC7.4%
ROIC/WACC0.79
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 Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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%