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INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis

TSX:IFC-PR-I - Toronto Stock Exchange - CA45823T8582 - Currency: CAD

23.53  -0.03 (-0.13%)

Fundamental Rating

5

Overall IFC-PR-I gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-I against 81 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 may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year IFC-PR-I was profitable.
IFC-PR-I had a positive operating cash flow in the past year.
IFC-PR-I had positive earnings in each of the past 5 years.
Each year in the past 5 years IFC-PR-I had a positive operating cash flow.
IFC-PR-I.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-I.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

IFC-PR-I has a Return On Assets of 3.65%. This is amongst the best in the industry. IFC-PR-I outperforms 82.72% of its industry peers.
IFC-PR-I has a better Return On Equity (11.78%) than 70.37% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.49%, IFC-PR-I belongs to the top of the industry, outperforming 92.59% of the companies in the same industry.
Industry RankSector 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
IFC-PR-I.CA Yearly ROA, ROE, ROICIFC-PR-I.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

IFC-PR-I has a Profit Margin (8.24%) which is in line with its industry peers.
IFC-PR-I's Profit Margin has improved in the last couple of years.
The Operating Margin of IFC-PR-I (15.65%) is better than 64.20% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-I has grown nicely.
Industry RankSector 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
IFC-PR-I.CA Yearly Profit, Operating, Gross MarginsIFC-PR-I.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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2

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
IFC-PR-I.CA Yearly Shares OutstandingIFC-PR-I.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2024 50M 100M 150M
IFC-PR-I.CA Yearly Total Debt VS Total AssetsIFC-PR-I.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2024 20B 40B 60B

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.
IFC-PR-I's Debt to FCF ratio of 1.67 is fine compared to the rest of the industry. IFC-PR-I outperforms 61.73% of its industry peers.
A Debt/Equity ratio of 0.29 indicates that IFC-PR-I is not too dependend on debt financing.
IFC-PR-I's Debt to Equity ratio of 0.29 is in line compared to the rest of the industry. IFC-PR-I outperforms 45.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 1.67
Altman-Z N/A
ROIC/WACC0.62
WACC8.92%
IFC-PR-I.CA Yearly LT Debt VS Equity VS FCFIFC-PR-I.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFC-PR-I.CA Yearly Current Assets VS Current LiabilitesIFC-PR-I.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2024 1B 2B 3B 4B

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6

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 20.90%, which is quite impressive.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
IFC-PR-I shows a small growth in Revenue. In the last year, the Revenue has grown by 4.57%.
Measured over the past years, IFC-PR-I shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.
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.
The Revenue is expected to grow by 9.74% 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 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.
IFC-PR-I.CA Yearly Revenue VS EstimatesIFC-PR-I.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B 25B
IFC-PR-I.CA Yearly EPS VS EstimatesIFC-PR-I.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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8

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.59, 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 85.19% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.86. IFC-PR-I is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 1.33, which indicates a rather cheap valuation of IFC-PR-I.
IFC-PR-I's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-I is cheaper than 90.12% of the companies in the same industry.
IFC-PR-I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.43.
Industry RankSector Rank
PE 1.59
Fwd PE 1.33
IFC-PR-I.CA Price Earnings VS Forward Price EarningsIFC-PR-I.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

87.65% of the companies in the same industry are more expensive than IFC-PR-I, based on the Enterprise Value to EBITDA ratio.
60.49% of the companies in the same industry are more expensive than IFC-PR-I, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.28
EV/EBITDA 1.67
IFC-PR-I.CA Per share dataIFC-PR-I.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

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)0.11
PEG (5Y)0.09
EPS Next 2Y10.6%
EPS Next 3Y9.4%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.64%, IFC-PR-I is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.01, IFC-PR-I pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.43, IFC-PR-I pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.64%

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
IFC-PR-I.CA Yearly Dividends per shareIFC-PR-I.CA Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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%
IFC-PR-I.CA Yearly Income VS Free CF VS DividendIFC-PR-I.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
IFC-PR-I.CA Dividend Payout.IFC-PR-I.CA Dividend Payout, showing the Payout Ratio.IFC-PR-I.CA Dividend Payout.PayoutRetained Earnings

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INTACT FINANCIAL CORP - IFCCN 5.4 PERP

TSX:IFC-PR-I (6/26/2025, 7:00:00 PM)

23.53

-0.03 (-0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)07-29 2025-07-29
Inst Owners55.57%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap4.20B
Analysts74.12
Price Target25.35 (7.73%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.64%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years0
Div Non Decr Years4
Ex-Date06-16 2025-06-16 (0.3375)
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)10.74%
PT rev (3m)-1.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.84%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
Industry RankSector Rank
PE 1.59
Fwd PE 1.33
P/S 0.16
P/FCF 1.28
P/OCF 1.14
P/B 0.22
P/tB 0.47
EV/EBITDA 1.67
EPS(TTM)14.81
EY62.94%
EPS(NY)17.65
Fwd EY75.02%
FCF(TTM)18.37
FCFY78.07%
OCF(TTM)20.72
OCFY88.05%
SpS150.36
BVpS105.24
TBVpS50.26
PEG (NY)0.11
PEG (5Y)0.09
Profitability
Industry RankSector 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 RankSector 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
WACC8.92%
ROIC/WACC0.62
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%