INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-I - CA45823T8582
24.5 CAD
+0.11 (+0.45%)
IFC-PR-I gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 81 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-I.
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.
In the past 5 years IFC-PR-I always reported a positive cash flow from operatings.
1.2 Ratios
IFC-PR-I has a better Return On Assets (4.73%) than 92.59% of its industry peers.
The Return On Equity of IFC-PR-I (14.93%) is better than 87.65% of its industry peers.
IFC-PR-I's Return On Invested Capital of 6.85% is amongst the best of the industry. IFC-PR-I outperforms 93.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.73% | ||
| ROE | 14.93% | ||
| ROIC | 6.85% |
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 11.20%, IFC-PR-I is in line with its industry, outperforming 58.02% of the companies in the same industry.
In the last couple of years the Profit Margin of IFC-PR-I has grown nicely.
IFC-PR-I has a better Operating Margin (20.28%) than 72.84% of its industry peers.
IFC-PR-I's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.28% | ||
| PM (TTM) | 11.2% | ||
| 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
IFC-PR-I has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
IFC-PR-I has more shares outstanding than it did 5 years ago.
2.2 Solvency
IFC-PR-I 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.
Looking at the Debt to FCF ratio, with a value of 1.34, IFC-PR-I is in the better half of the industry, outperforming 75.31% of the companies in the same industry.
IFC-PR-I has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of IFC-PR-I (0.27) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.95
WACC7.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC-PR-I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.79%, which is quite impressive.
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 decrease in Revenue. The Revenue has decreased by -1.02% in the last year.
IFC-PR-I shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.
EPS 1Y (TTM)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
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 9.35% yearly.
The Revenue is expected to grow by 6.08% on average over the next years.
EPS Next Y28.32%
EPS Next 2Y10.67%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
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
The Price/Earnings ratio is 1.32, which indicates a rather cheap valuation of IFC-PR-I.
Based on the Price/Earnings ratio, IFC-PR-I is valued cheaply inside the industry as 90.12% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of IFC-PR-I to the average of the S&P500 Index (26.92), we can say IFC-PR-I is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 1.39, the valuation of IFC-PR-I can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-I indicates a rather cheap valuation: IFC-PR-I is cheaper than 91.36% of the companies listed in the same industry.
IFC-PR-I is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.32 | ||
| Fwd PE | 1.39 |
4.2 Price Multiples
IFC-PR-I's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IFC-PR-I is cheaper than 88.89% of the companies in the same industry.
86.42% of the companies in the same industry are more expensive than IFC-PR-I, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.07 | ||
| EV/EBITDA | 1.27 |
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.
IFC-PR-I has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.05
PEG (5Y)0.07
EPS Next 2Y10.67%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
IFC-PR-I has a Yearly Dividend Yield of 5.83%, which is a nice return.
IFC-PR-I's Dividend Yield is a higher than the industry average which is at 4.57.
IFC-PR-I's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
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 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.67%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 5.4 PERP
TSX:IFC-PR-I (1/7/2026, 7:00:00 PM)
24.5
+0.11 (+0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.35B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target29.44 (20.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.03%
Min EPS beat(2)7.9%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)15.9%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)32.18%
EPS beat(12)11
Avg EPS beat(12)25.24%
EPS beat(16)14
Avg EPS beat(16)22.92%
Revenue beat(2)1
Avg Revenue beat(2)-0.62%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.92%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.46%
Revenue beat(12)5
Avg Revenue beat(12)2.5%
Revenue beat(16)9
Avg Revenue beat(16)9.03%
PT rev (1m)0.63%
PT rev (3m)0.34%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)0.77%
EPS NY rev (1m)0.04%
EPS NY rev (3m)4.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.32 | ||
| Fwd PE | 1.39 | ||
| P/S | 0.16 | ||
| P/FCF | 1.07 | ||
| P/OCF | 0.97 | ||
| P/B | 0.22 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | 1.27 |
EPS(TTM)18.63
EY76.04%
EPS(NY)17.67
Fwd EY72.13%
FCF(TTM)22.88
FCFY93.38%
OCF(TTM)25.14
OCFY102.63%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.05
PEG (5Y)0.07
Graham Number217
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.73% | ||
| ROE | 14.93% | ||
| ROCE | 8.9% | ||
| ROIC | 6.85% | ||
| ROICexc | 7.06% | ||
| ROICexgc | 9.54% | ||
| OM | 20.28% | ||
| PM (TTM) | 11.2% | ||
| GM | N/A | ||
| FCFM | 15.28% |
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 Turnover0.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Debt/EBITDA | 0.88 | ||
| Cap/Depr | 50.88% | ||
| Cap/Sales | 1.51% | ||
| Interest Coverage | 23.66 | ||
| Cash Conversion | 72.22% | ||
| Profit Quality | 136.36% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.24%
ROIC/WACC0.95
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)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
EPS Next Y28.32%
EPS Next 2Y10.67%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
Revenue Next 5YN/A
EBIT growth 1Y35.66%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
EBIT Next 5YN/A
FCF growth 1Y110.62%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y86.71%
OCF growth 3Y2.49%
OCF growth 5Y21.3%
INTACT FINANCIAL CORP - IFCCN 5.4 PERP / IFC-PR-I.CA FAQ
Can you provide the ChartMill fundamental rating for INTACT FINANCIAL CORP - IFCCN 5.4 PERP?
ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-I.CA.
Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 5.4 PERP?
ChartMill assigns a valuation rating of 9 / 10 to INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA). This can be considered as Undervalued.
How profitable is INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) stock?
INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) has a profitability rating of 6 / 10.
What is the valuation of INTACT FINANCIAL CORP - IFCCN 5.4 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) is 1.32 and the Price/Book (PB) ratio is 0.22.
Can you provide the dividend sustainability for IFC-PR-I stock?
The dividend rating of INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) is 6 / 10 and the dividend payout ratio is 34.08%.