INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) Stock Fundamental Analysis
TSX:IFC-PR-K - CA45823T8178
24 CAD
+0.13 (+0.54%)
IFC-PR-K gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-K.
1. Profitability
1.1 Basic Checks
IFC-PR-K had positive earnings in the past year.
In the past year IFC-PR-K had a positive cash flow from operations.
Each year in the past 5 years IFC-PR-K has been profitable.
In the past 5 years IFC-PR-K always reported a positive cash flow from operatings.
1.2 Ratios
IFC-PR-K has a better Return On Assets (3.82%) than 83.75% of its industry peers.
With a decent Return On Equity value of 12.11%, IFC-PR-K is doing good in the industry, outperforming 71.25% of the companies in the same industry.
The Return On Invested Capital of IFC-PR-K (5.87%) is better than 95.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROIC | 5.87% |
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-K has a Profit Margin of 8.61%. This is comparable to the rest of the industry: IFC-PR-K outperforms 42.50% of its industry peers.
IFC-PR-K's Profit Margin has improved in the last couple of years.
The Operating Margin of IFC-PR-K (16.63%) is better than 75.00% of its industry peers.
IFC-PR-K's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| 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-K has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for IFC-PR-K has been increased compared to 5 years ago.
2.2 Solvency
IFC-PR-K has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
The Debt to FCF ratio of IFC-PR-K (1.55) is better than 66.25% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that IFC-PR-K is not too dependend on debt financing.
The Debt to Equity ratio of IFC-PR-K (0.28) is better than 61.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.79
WACC7.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC-PR-K shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.50%.
IFC-PR-K shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
IFC-PR-K shows a small growth in Revenue. In the last year, the Revenue has grown by 4.15%.
Measured over the past years, IFC-PR-K shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.
EPS 1Y (TTM)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
3.2 Future
IFC-PR-K is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.33% yearly.
IFC-PR-K is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.11% yearly.
EPS Next Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 1.58, the valuation of IFC-PR-K can be described as very cheap.
IFC-PR-K's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-K is cheaper than 91.25% 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 27.07.
The Price/Forward Earnings ratio is 1.37, which indicates a rather cheap valuation of IFC-PR-K.
Based on the Price/Forward Earnings ratio, IFC-PR-K is valued cheaper than 91.25% of the companies in the same industry.
IFC-PR-K's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.59.
| 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-K is valued cheaply inside the industry as 88.75% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, IFC-PR-K is valued a bit cheaper than 67.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.22 | ||
| EV/EBITDA | 1.53 |
4.3 Compensation for Growth
IFC-PR-K's 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-K may justify a higher PE ratio.
PEG (NY)0.07
PEG (5Y)0.09
EPS Next 2Y10.3%
EPS Next 3Y9.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.39%, IFC-PR-K is a good candidate for dividend investing.
IFC-PR-K's Dividend Yield is a higher than the industry average which is at 4.81.
Compared to an average S&P500 Dividend Yield of 2.46, IFC-PR-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
5.2 History
IFC-PR-K has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
42.76% of the earnings are spent on dividend by IFC-PR-K. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP
TSX:IFC-PR-K (9/5/2025, 7:00:00 PM)
24
+0.13 (+0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.57%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap4.28B
Analysts72.94
Price Target28.55 (18.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.25%
Min EPS beat(2)12.33%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)45.94%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)8
Avg EPS beat(8)36.37%
EPS beat(12)10
Avg EPS beat(12)24.32%
EPS beat(16)14
Avg EPS beat(16)26.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.38%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-1.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)-0.6%
Revenue beat(8)1
Avg Revenue beat(8)-1.81%
Revenue beat(12)4
Avg Revenue beat(12)1.79%
Revenue beat(16)8
Avg Revenue beat(16)7.33%
PT rev (1m)12%
PT rev (3m)26.85%
EPS NQ rev (1m)-0.17%
EPS NQ rev (3m)-6.27%
EPS NY rev (1m)7.49%
EPS NY rev (3m)7.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.62%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)-1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.58 | ||
| Fwd PE | 1.37 | ||
| P/S | 0.16 | ||
| P/FCF | 1.22 | ||
| P/OCF | 1.1 | ||
| P/B | 0.22 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | 1.53 |
EPS(TTM)15.18
EY63.25%
EPS(NY)17.56
Fwd EY73.15%
FCF(TTM)19.68
FCFY82.01%
OCF(TTM)21.84
OCFY91%
SpS151.55
BVpS107.75
TBVpS53.59
PEG (NY)0.07
PEG (5Y)0.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROCE | 7.64% | ||
| ROIC | 5.87% | ||
| ROICexc | 6.03% | ||
| ROICexgc | 8.19% | ||
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| GM | N/A | ||
| FCFM | 12.99% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | 1.03 | ||
| Cap/Depr | 50.2% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | 19.8 | ||
| Cash Conversion | 74.02% | ||
| Profit Quality | 150.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.42%
ROIC/WACC0.79
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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
EPS Next Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y65.8%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y52.33%
OCF growth 3Y2.49%
OCF growth 5Y21.3%