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

TSX:IFC-PR-K • CA45823T8178

23.99 CAD
0 (0%)
Last: Feb 17, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to IFC-PR-K. IFC-PR-K was compared to 76 industry peers in the Insurance industry. IFC-PR-K has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFC-PR-K is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • IFC-PR-K had positive earnings in the past year.
  • IFC-PR-K had a positive operating cash flow in the past year.
  • IFC-PR-K had positive earnings in 4 of the past 5 years.
  • Of the past 5 years IFC-PR-K 4 years had a positive operating cash flow.
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 1B 2B 3B 4B

1.2 Ratios

  • IFC-PR-K has a better Return On Assets (4.73%) than 94.74% of its industry peers.
  • With an excellent Return On Equity value of 14.93%, IFC-PR-K belongs to the best of the industry, outperforming 92.11% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 6.85%, IFC-PR-K belongs to the top of the industry, outperforming 96.05% of the companies in the same industry.
Industry RankSector 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
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 5 10

1.3 Margins

  • With a Profit Margin value of 11.20%, IFC-PR-K perfoms like the industry average, outperforming 57.89% of the companies in the same industry.
  • IFC-PR-K's Profit Margin has improved in the last couple of years.
  • IFC-PR-K has a Operating Margin of 20.28%. This is in the better half of the industry: IFC-PR-K outperforms 73.68% of its industry peers.
  • IFC-PR-K's Operating Margin has improved in the last couple of years.
Industry RankSector 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
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 5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-K is destroying value.
  • There is no outstanding debt for IFC-PR-K. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
IFC-PR-K.CA Yearly Shares OutstandingIFC-PR-K.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 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 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of IFC-PR-K is 1.34, which is an excellent value as it means it would take IFC-PR-K, only 1.34 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of IFC-PR-K (1.34) is better than 76.32% of its industry peers.
  • A Debt/Equity ratio of 0.27 indicates that IFC-PR-K is not too dependend on debt financing.
  • IFC-PR-K's Debt to Equity ratio of 0.27 is in line compared to the rest of the industry. IFC-PR-K outperforms 52.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC0.93
WACC7.36%
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 5B 10B 15B

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 1B 2B 3B 4B

More info and screens

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

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 32.03% over the past year.
  • The Earnings Per Share has been growing by 13.94% on average over the past years. This is quite good.
EPS 1Y (TTM)32.03%
EPS 3Y17.05%
EPS 5Y13.94%
EPS Q2Q%8.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.48%

3.2 Future

  • IFC-PR-K is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.48% yearly.
  • The Revenue is expected to grow by 6.49% on average over the next years.
EPS Next Y-7.26%
EPS Next 2Y-0.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.92%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
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.
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 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 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.26 indicates a rather cheap valuation of IFC-PR-K.
  • IFC-PR-K's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-K is cheaper than 94.74% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.27, IFC-PR-K is valued rather cheaply.
  • The Price/Forward Earnings ratio is 1.36, which indicates a rather cheap valuation of IFC-PR-K.
  • Based on the Price/Forward Earnings ratio, IFC-PR-K is valued cheaper than 96.05% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.16. IFC-PR-K is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.26
Fwd PE 1.36
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 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, IFC-PR-K is valued cheaply inside the industry as 93.42% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, IFC-PR-K is valued cheaper than 92.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.05
EV/EBITDA 1.25
IFC-PR-K.CA Per share dataIFC-PR-K.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

  • The decent profitability rating of IFC-PR-K may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-0.48%
EPS Next 3YN/A

More info and screens

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

3

5. Dividend

5.1 Amount

  • IFC-PR-K has a Yearly Dividend Yield of 2.26%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 3.93, IFC-PR-K is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.84, IFC-PR-K pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.26%

5.2 History

  • IFC-PR-K has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
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 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • IFC-PR-K pays out 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y-0.48%
EPS Next 3YN/A
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 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

More info and screens

Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP

TSX:IFC-PR-K (2/17/2026, 7:00:00 PM)

23.99

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.26B
Revenue(TTM)N/A
Net Income(TTM)2.98B
Analysts75.56
Price Target30.84 (28.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.26%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years2
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)4
Avg Revenue beat(12)-0.12%
Revenue beat(16)8
Avg Revenue beat(16)7.07%
PT rev (1m)12.21%
PT rev (3m)8.66%
EPS NQ rev (1m)0.69%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0.01%
EPS NY rev (3m)2.81%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 1.26
Fwd PE 1.36
P/S 0.16
P/FCF 1.05
P/OCF 0.95
P/B 0.21
P/tB 0.42
EV/EBITDA 1.25
EPS(TTM)19.05
EY79.41%
EPS(NY)17.67
Fwd EY73.65%
FCF(TTM)22.88
FCFY95.39%
OCF(TTM)25.15
OCFY104.85%
SpS149.79
BVpS112.38
TBVpS57.24
PEG (NY)N/A
PEG (5Y)0.09
Graham Number219.47
Profitability
Industry RankSector 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 RankSector 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
WACC7.36%
ROIC/WACC0.93
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)32.03%
EPS 3Y17.05%
EPS 5Y13.94%
EPS Q2Q%8.57%
EPS Next Y-7.26%
EPS Next 2Y-0.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.48%
Revenue Next Year5.92%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
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 1/4 PERP / IFC-PR-K.CA FAQ

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

ChartMill assigns a fundamental rating of 5 / 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 6 / 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 -7.26% 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 3 / 10 and the dividend payout ratio is 34.08%.