INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis
TSX:IFC-PR-I - Toronto Stock Exchange - CA45823T8582 - Currency: CAD
IFC-PR-I gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. IFC-PR-I has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFC-PR-I is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
IFC-PR-I had positive earnings in the past year.
IFC-PR-I had a positive operating cash flow in the past year.
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
With a decent Return On Assets value of 3.71%, IFC-PR-I is doing good in the industry, outperforming 80.00% of the companies in the same industry.
IFC-PR-I has a better Return On Equity (12.16%) than 77.50% of its industry peers.
IFC-PR-I has a better Return On Invested Capital (5.49%) than 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 12.16% | ||
| 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
IFC-PR-I's Profit Margin of 8.33% is on the low side compared to the rest of the industry. IFC-PR-I is outperformed by 62.50% 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 15.53% is in line compared to the rest of the industry. IFC-PR-I outperforms 45.00% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-I has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.53% | ||
| PM (TTM) | 8.33% | ||
| 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-I is destroying value.
The number of shares outstanding for IFC-PR-I has been increased compared to 5 years ago.
2.2 Solvency
The Debt to FCF ratio of IFC-PR-I is 1.85, which is an excellent value as it means it would take IFC-PR-I, only 1.85 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.85, IFC-PR-I is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
A Debt/Equity ratio of 0.30 indicates that IFC-PR-I is not too dependend on debt financing.
IFC-PR-I has a Debt to Equity ratio of 0.30. This is comparable to the rest of the industry: IFC-PR-I outperforms 42.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.77
WACC7.17%
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 23.54% over the past year.
Measured over the past years, IFC-PR-I shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
Looking at the last year, IFC-PR-I shows a small growth in Revenue. The Revenue has grown by 3.16% 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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%16.82%
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%
3.2 Future
Based on estimates for the next years, IFC-PR-I will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.40% on average per year.
The Revenue is expected to grow by 9.36% on average over the next years. This is quite good.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year7.27%
Revenue Next 2Y6.83%
Revenue Next 3Y9.36%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.58 indicates a rather cheap valuation of IFC-PR-I.
Based on the Price/Earnings ratio, IFC-PR-I is valued cheaper than 83.75% of the companies in the same industry.
IFC-PR-I is valuated cheaply when we compare the Price/Earnings ratio to 28.22, which is the current average of the S&P500 Index.
IFC-PR-I is valuated cheaply with a Price/Forward Earnings ratio of 1.37.
Based on the Price/Forward Earnings ratio, IFC-PR-I is valued cheaper than 87.50% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of IFC-PR-I to the average of the S&P500 Index (20.86), we can say IFC-PR-I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.58 | ||
| Fwd PE | 1.37 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-I is valued cheaply inside the industry as 83.75% of the companies are valued more expensively.
IFC-PR-I's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.37 | ||
| EV/EBITDA | 1.7 |
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.
PEG (NY)0.11
PEG (5Y)0.08
EPS Next 2Y10.6%
EPS Next 3Y9.4%
5. Dividend
5.1 Amount
IFC-PR-I has a Yearly Dividend Yield of 1.78%.
Compared to an average industry Dividend Yield of 4.38, IFC-PR-I is paying slightly less dividend.
IFC-PR-I's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
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 43.18% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP43.18%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
INTACT FINANCIAL CORP - IFCCN 5.4 PERP
TSX:IFC-PR-I (5/1/2025, 7:00:00 PM)
22.73
+0.06 (+0.26%)
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 Cap4.05B
Analysts74.12
Price Target23.02 (1.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP43.18%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)70.63%
Min EPS beat(2)13.21%
Max EPS beat(2)128.05%
EPS beat(4)4
Avg EPS beat(4)45.87%
Min EPS beat(4)5.69%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)30.5%
EPS beat(12)10
Avg EPS beat(12)22.8%
EPS beat(16)14
Avg EPS beat(16)26.14%
Revenue beat(2)0
Avg Revenue beat(2)-1.39%
Min Revenue beat(2)-2.19%
Max Revenue beat(2)-0.6%
Revenue beat(4)1
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)0.56%
Revenue beat(8)3
Avg Revenue beat(8)2.27%
Revenue beat(12)7
Avg Revenue beat(12)11.85%
Revenue beat(16)11
Avg Revenue beat(16)10.96%
PT rev (1m)-10.85%
PT rev (3m)-7.82%
EPS NQ rev (1m)-2.4%
EPS NQ rev (3m)-5.03%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-0.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.58 | ||
| Fwd PE | 1.37 | ||
| P/S | 0.15 | ||
| P/FCF | 1.37 | ||
| P/OCF | 1.2 | ||
| P/B | 0.22 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | 1.7 |
EPS(TTM)14.43
EY63.48%
EPS(NY)16.56
Fwd EY72.88%
FCF(TTM)16.59
FCFY72.97%
OCF(TTM)18.99
OCFY83.55%
SpS148.6
BVpS101.76
TBVpS48.12
PEG (NY)0.11
PEG (5Y)0.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 12.16% | ||
| ROCE | 7.15% | ||
| ROIC | 5.49% | ||
| ROICexc | 5.61% | ||
| ROICexgc | 7.63% | ||
| OM | 15.53% | ||
| PM (TTM) | 8.33% | ||
| GM | N/A | ||
| FCFM | 11.16% |
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-ScoreN/A
Asset Turnover0.45
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Debt/EBITDA | 1.13 | ||
| Cap/Depr | 59.09% | ||
| Cap/Sales | 1.62% | ||
| Interest Coverage | 18.29 | ||
| Cash Conversion | 69.95% | ||
| Profit Quality | 134.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC7.17%
ROIC/WACC0.77
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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%16.82%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%
Revenue Next Year7.27%
Revenue Next 2Y6.83%
Revenue Next 3Y9.36%
Revenue Next 5YN/A
EBIT growth 1Y31.33%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y113.11%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y83.48%
OCF growth 3Y2.49%
OCF growth 5Y21.3%