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

Canada • Toronto Stock Exchange • TSX:IFC-PR-K • CA45823T8178

24.04 CAD
+0.39 (+1.65%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

5

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.


Dividend Valuation Growth Profitability Health

6

1. Profitability

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 1B 2B 3B 4B

1.2 Ratios

  • IFC-PR-K has a better Return On Assets (4.73%) than 93.75% of its industry peers.
  • IFC-PR-K has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC-PR-K outperforms 91.25% of its industry peers.
  • IFC-PR-K has a Return On Invested Capital of 6.85%. This is amongst the best in the industry. IFC-PR-K outperforms 95.00% of its industry peers.
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

  • Looking at the Profit Margin, with a value of 11.20%, IFC-PR-K is in line with its industry, outperforming 60.00% of the companies in the same industry.
  • IFC-PR-K's Profit Margin has improved in the last couple of years.
  • IFC-PR-K's Operating Margin of 20.28% is fine compared to the rest of the industry. IFC-PR-K outperforms 75.00% of its industry peers.
  • In the last couple of years the Operating Margin of IFC-PR-K has grown nicely.
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

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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-K is destroying value.
  • Compared to 5 years ago, IFC-PR-K has more shares outstanding
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

  • 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.
  • The Debt to FCF ratio of IFC-PR-K (1.34) is better than 77.50% 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 has a Debt to Equity ratio (0.27) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC0.93
WACC7.37%
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

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5

3. Growth

3.1 Past

  • IFC-PR-K 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-K shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
  • The Revenue has decreased by -1.02% in the past year.
  • IFC-PR-K 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

  • The Earnings Per Share is expected to grow by 9.35% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 6.08% on average over the next years.
EPS Next Y28.34%
EPS Next 2Y10.65%
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

  • 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-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

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9

4. Valuation

4.1 Price/Earnings Ratio

  • IFC-PR-K is valuated cheaply with a Price/Earnings ratio of 1.29.
  • 93.75% of the companies in the same industry are more expensive than IFC-PR-K, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 28.18. IFC-PR-K is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 1.36, the valuation of IFC-PR-K can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, IFC-PR-K is valued cheaper than 95.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of IFC-PR-K to the average of the S&P500 Index (25.51), we can say IFC-PR-K is valued rather cheaply.
Industry RankSector Rank
PE 1.29
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 cheaper than 92.50% of the companies in the same industry.
  • 91.25% of the companies in the same industry are more expensive than IFC-PR-K, based on the Price/Free Cash Flow ratio.
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 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)0.05
PEG (5Y)0.07
EPS Next 2Y10.65%
EPS Next 3Y9.35%

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3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.15%, IFC-PR-K has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.50, IFC-PR-K's dividend is way lower than its industry peers. On top of this 80.00% of the companies listed in the same industry pay a better dividend than IFC-PR-K!
  • Compared to an average S&P500 Dividend Yield of 1.83, IFC-PR-K has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.15%

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
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 2Y10.65%
EPS Next 3Y9.35%
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

INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP

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

24.04

+0.39 (+1.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-10
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.27B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target28.05 (16.68%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.15%
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)2.06%
PT rev (3m)-8.27%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.01%
EPS NY rev (3m)4.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 1.29
Fwd PE 1.36
P/S 0.16
P/FCF 1.05
P/OCF 0.96
P/B 0.21
P/tB 0.42
EV/EBITDA 1.25
EPS(TTM)18.63
EY77.5%
EPS(NY)17.67
Fwd EY73.5%
FCF(TTM)22.88
FCFY95.16%
OCF(TTM)25.14
OCFY104.6%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.05
PEG (5Y)0.07
Graham Number217
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
WACC7.37%
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)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
EPS Next Y28.34%
EPS Next 2Y10.65%
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 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 9 / 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 grow by 28.34% 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%.