INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-K - CA45823T8178
23.89 CAD
+0.19 (+0.8%)
Taking everything into account, IFC-PR-K scores 5 out of 10 in our fundamental rating. IFC-PR-K was compared to 81 industry peers in the Insurance industry. IFC-PR-K has an excellent profitability rating, but there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-K.
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-K was profitable.
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.
IFC-PR-K had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of IFC-PR-K (4.73%) is better than 95.06% 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 90.12% 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 96.30% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
IFC-PR-K's Profit Margin of 11.20% is fine compared to the rest of the industry. IFC-PR-K outperforms 60.49% of its industry peers.
IFC-PR-K's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 20.28%, IFC-PR-K is in the better half of the industry, outperforming 75.31% of the companies in the same industry.
In the last couple of years the Operating Margin of IFC-PR-K has grown nicely.
| Industry Rank | Sector 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
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.
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 1.34. 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's Debt to FCF ratio of 1.34 is fine compared to the rest of the industry. IFC-PR-K outperforms 77.78% 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 55.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.95
WACC7.23%
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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.79%, 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-K shows a decrease in Revenue. In the last year, the revenue decreased by -1.02%.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
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
IFC-PR-K is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.35% yearly.
IFC-PR-K is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.08% yearly.
EPS Next Y28.32%
EPS Next 2Y10.67%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 1.28, which indicates a rather cheap valuation of IFC-PR-K.
Based on the Price/Earnings ratio, IFC-PR-K is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
IFC-PR-K is valuated cheaply when we compare the Price/Earnings ratio to 27.17, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 1.35, the valuation of IFC-PR-K can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-K indicates a rather cheap valuation: IFC-PR-K is cheaper than 93.83% of the companies listed 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 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.28 | ||
| Fwd PE | 1.35 |
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 91.36% of the companies in the same industry.
IFC-PR-K's Price/Free Cash Flow ratio is rather cheap when compared to the industry. IFC-PR-K is cheaper than 90.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.04 | ||
| EV/EBITDA | 1.24 |
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 2Y10.67%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
IFC-PR-K has a Yearly Dividend Yield of 5.83%, which is a nice return.
IFC-PR-K's Dividend Yield is a higher than the industry average which is at 4.57.
Compared to an average S&P500 Dividend Yield of 1.94, IFC-PR-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
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
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 2Y10.67%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP
TSX:IFC-PR-K (1/6/2026, 7:00:00 PM)
23.89
+0.19 (+0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.25B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target27.49 (15.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
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)-3.16%
PT rev (3m)-9.63%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)0.77%
EPS NY rev (1m)0.04%
EPS NY rev (3m)4.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.28 | ||
| Fwd PE | 1.35 | ||
| P/S | 0.16 | ||
| P/FCF | 1.04 | ||
| P/OCF | 0.95 | ||
| P/B | 0.21 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 1.24 |
EPS(TTM)18.63
EY77.98%
EPS(NY)17.67
Fwd EY73.97%
FCF(TTM)22.88
FCFY95.76%
OCF(TTM)25.14
OCFY105.25%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.05
PEG (5Y)0.07
Graham Number217
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.23%
ROIC/WACC0.95
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 Y28.32%
EPS Next 2Y10.67%
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 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 grow by 28.32% 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 5 / 10 and the dividend payout ratio is 34.08%.