INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) Fundamental Analysis & Valuation

TSX:IFC-PR-K • CA45823T8178

Current stock price

23.28 CAD
+0.2 (+0.87%)
Last:

This IFC-PR-K.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. IFC-PR-K.CA Profitability Analysis

1.1 Basic Checks

  • In the past year IFC-PR-K was profitable.
  • IFC-PR-K had a positive operating cash flow in the past year.
  • In the past 5 years IFC-PR-K has always been profitable.
  • IFC-PR-K had a positive operating cash flow in each of the past 5 years.
IFC-PR-K.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-K.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • The Return On Assets of IFC-PR-K (5.21%) is better than 96.15% of its industry peers.
  • IFC-PR-K has a better Return On Equity (15.72%) than 92.31% of its industry peers.
  • With an excellent Return On Invested Capital value of 7.52%, IFC-PR-K belongs to the best of the industry, outperforming 94.87% of the companies in the same industry.
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROIC 7.52%
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-K.CA Yearly ROA, ROE, ROICIFC-PR-K.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 12.01%, IFC-PR-K is doing good in the industry, outperforming 76.92% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IFC-PR-K has grown nicely.
  • Looking at the Operating Margin, with a value of 21.11%, IFC-PR-K is in the better half of the industry, outperforming 74.36% of the companies in the same industry.
  • In the last couple of years the Operating Margin of IFC-PR-K has grown nicely.
Industry RankSector Rank
OM 21.11%
PM (TTM) 12.01%
GM N/A
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
IFC-PR-K.CA Yearly Profit, Operating, Gross MarginsIFC-PR-K.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. IFC-PR-K.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), IFC-PR-K is creating some value.
  • Compared to 1 year ago, IFC-PR-K has less shares outstanding
  • The number of shares outstanding for IFC-PR-K has been increased compared to 5 years ago.
  • Compared to 1 year ago, IFC-PR-K has an improved debt to assets ratio.
IFC-PR-K.CA Yearly Shares OutstandingIFC-PR-K.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 2025 50M 100M 150M
IFC-PR-K.CA Yearly Total Debt VS Total AssetsIFC-PR-K.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2024 2025 20B 40B 60B

2.2 Solvency

  • IFC-PR-K 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.
  • IFC-PR-K has a Debt to FCF ratio of 1.34. This is in the better half of the industry: IFC-PR-K outperforms 75.64% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that IFC-PR-K is not too dependend on debt financing.
  • IFC-PR-K has a Debt to Equity ratio of 0.25. This is amongst the best in the industry. IFC-PR-K outperforms 87.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1.32
WACC5.71%
IFC-PR-K.CA Yearly LT Debt VS Equity VS FCFIFC-PR-K.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFC-PR-K.CA Yearly Current Assets VS Current LiabilitesIFC-PR-K.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. IFC-PR-K.CA Growth Analysis

3.1 Past

  • IFC-PR-K shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.06%, which is quite impressive.
  • IFC-PR-K shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.12% yearly.
  • The Revenue has been growing slightly by 2.93% in the past year.
  • Measured over the past years, IFC-PR-K shows a quite strong growth in Revenue. The Revenue has been growing by 16.74% on average per year.
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%

3.2 Future

  • The Earnings Per Share is expected to grow by 0.85% on average over the next years.
  • Based on estimates for the next years, IFC-PR-K will show a small growth in Revenue. The Revenue will grow by 6.81% on average per year.
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
IFC-PR-K.CA Yearly Revenue VS EstimatesIFC-PR-K.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
IFC-PR-K.CA Yearly EPS VS EstimatesIFC-PR-K.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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8

4. IFC-PR-K.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • IFC-PR-K is valuated cheaply with a Price/Earnings ratio of 1.21.
  • IFC-PR-K's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-K is cheaper than 94.87% of the companies in the same industry.
  • IFC-PR-K's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.88.
  • The Price/Forward Earnings ratio is 1.31, which indicates a rather cheap valuation of IFC-PR-K.
  • Based on the Price/Forward Earnings ratio, IFC-PR-K is valued cheaply inside the industry as 96.15% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of IFC-PR-K to the average of the S&P500 Index (22.19), we can say IFC-PR-K is valued rather cheaply.
Industry RankSector Rank
PE 1.21
Fwd PE 1.31
IFC-PR-K.CA Price Earnings VS Forward Price EarningsIFC-PR-K.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • IFC-PR-K's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IFC-PR-K is cheaper than 94.87% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, IFC-PR-K is valued cheaper than 92.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.05
EV/EBITDA 1.19
IFC-PR-K.CA Per share dataIFC-PR-K.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • IFC-PR-K has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-0.58%
EPS Next 3Y0.85%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. IFC-PR-K.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.37%, IFC-PR-K has a reasonable but not impressive dividend return.
  • IFC-PR-K's Dividend Yield is slightly below the industry average, which is at 3.76.
  • Compared to an average S&P500 Dividend Yield of 1.90, IFC-PR-K pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.37%

5.2 History

  • On average, the dividend of IFC-PR-K grows each year by 15.73%, which is quite nice.
  • IFC-PR-K has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of IFC-PR-K decreased in the last 3 years.
Dividend Growth(5Y)15.73%
Div Incr Years0
Div Non Decr Years2
IFC-PR-K.CA Yearly Dividends per shareIFC-PR-K.CA Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 31.66% of the earnings are spent on dividend by IFC-PR-K. This is a low number and sustainable payout ratio.
  • The dividend of IFC-PR-K is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.66%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
IFC-PR-K.CA Yearly Income VS Free CF VS DividendIFC-PR-K.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
IFC-PR-K.CA Dividend Payout.IFC-PR-K.CA Dividend Payout, showing the Payout Ratio.IFC-PR-K.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

IFC-PR-K.CA Fundamentals: All Metrics, Ratios and Statistics

INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP

TSX:IFC-PR-K (3/27/2026, 7:00:00 PM)

23.28

+0.2 (+0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners45.24%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.13B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target29.76 (27.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.37%
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr Years0
Div Non Decr Years2
Ex-Date03-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)7.9%
Max EPS beat(2)16.68%
EPS beat(4)4
Avg EPS beat(4)16.77%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)31.32%
EPS beat(12)11
Avg EPS beat(12)25.92%
EPS beat(16)14
Avg EPS beat(16)21.3%
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.39%
Revenue beat(16)7
Avg Revenue beat(16)6.71%
PT rev (1m)-3.52%
PT rev (3m)3.81%
EPS NQ rev (1m)1.12%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)0.4%
EPS NY rev (3m)0.48%
Revenue NQ rev (1m)6.1%
Revenue NQ rev (3m)5.55%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 1.21
Fwd PE 1.31
P/S 0.15
P/FCF 1.05
P/OCF 0.94
P/B 0.2
P/tB 0.37
EV/EBITDA 1.19
EPS(TTM)19.2
EY82.47%
EPS(NY)17.74
Fwd EY76.2%
FCF(TTM)22.17
FCFY95.22%
OCF(TTM)24.74
OCFY106.29%
SpS153.81
BVpS117.49
TBVpS62.29
PEG (NY)N/A
PEG (5Y)0.09
Graham Number225.29
Profitability
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROCE 9.51%
ROIC 7.52%
ROICexc 7.69%
ROICexgc 10.29%
OM 21.11%
PM (TTM) 12.01%
GM N/A
FCFM 14.41%
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 3Y15.83%
ROICexgc growth 5Y12.36%
ROICexc growth 3Y16.69%
ROICexc growth 5Y11.57%
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Debt/EBITDA 0.8
Cap/Depr 57.34%
Cap/Sales 1.68%
Interest Coverage 25.37
Cash Conversion 66.94%
Profit Quality 120.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC5.71%
ROIC/WACC1.32
Cap/Depr(3y)64.38%
Cap/Depr(5y)67.42%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.77%
Profit Quality(3y)122.24%
Profit Quality(5y)128.87%
High Growth Momentum
Growth
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
Revenue Next 5YN/A
EBIT growth 1Y39.89%
EBIT growth 3Y22.87%
EBIT growth 5Y26.22%
EBIT Next Year8.2%
EBIT Next 3Y5.94%
EBIT Next 5YN/A
FCF growth 1Y32.89%
FCF growth 3Y6.5%
FCF growth 5Y12.42%
OCF growth 1Y29.55%
OCF growth 3Y6.19%
OCF growth 5Y13.28%

INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP / IFC-PR-K.CA Fundamental Analysis FAQ

What is the fundamental rating for IFC-PR-K stock?

ChartMill assigns a fundamental rating of 6 / 10 to IFC-PR-K.CA.


What is the valuation status for IFC-PR-K stock?

ChartMill assigns a valuation rating of 8 / 10 to INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA). This can be considered as Undervalued.


What is the profitability of IFC-PR-K stock?

INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) has a profitability rating of 7 / 10.


What is the earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP?

The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) is expected to decline by -7.61% in the next year.


Can you provide the dividend sustainability for IFC-PR-K stock?

The dividend rating of INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) is 4 / 10 and the dividend payout ratio is 31.66%.