INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) Stock Fundamental Analysis

TSX:IFC-PR-M • CA45823T7675

25.34 CAD
+0.04 (+0.16%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

IFC-PR-M gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 79 industry peers in the Insurance industry. While IFC-PR-M is still in line with the averages on profitability rating, there are concerns on its financial health. IFC-PR-M is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year IFC-PR-M was profitable.
  • In the past year IFC-PR-M had a positive cash flow from operations.
  • IFC-PR-M had positive earnings in 4 of the past 5 years.
  • IFC-PR-M had a positive operating cash flow in 4 of the past 5 years.
IFC-PR-M.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-M.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

  • Looking at the Return On Assets, with a value of 4.73%, IFC-PR-M belongs to the top of the industry, outperforming 89.87% of the companies in the same industry.
  • IFC-PR-M's Return On Equity of 14.93% is amongst the best of the industry. IFC-PR-M outperforms 86.08% of its industry peers.
  • IFC-PR-M has a better Return On Invested Capital (6.85%) than 89.87% 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-M.CA Yearly ROA, ROE, ROICIFC-PR-M.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-M is in the better half of the industry, outperforming 60.76% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IFC-PR-M has grown nicely.
  • With a decent Operating Margin value of 20.28%, IFC-PR-M is doing good in the industry, outperforming 68.35% of the companies in the same industry.
  • In the last couple of years the Operating Margin of IFC-PR-M 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-M.CA Yearly Profit, Operating, Gross MarginsIFC-PR-M.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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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-M is destroying value.
  • There is no outstanding debt for IFC-PR-M. 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-M.CA Yearly Shares OutstandingIFC-PR-M.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 50M 100M 150M
IFC-PR-M.CA Yearly Total Debt VS Total AssetsIFC-PR-M.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-M 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.
  • With a decent Debt to FCF ratio value of 1.34, IFC-PR-M is doing good in the industry, outperforming 70.89% of the companies in the same industry.
  • IFC-PR-M has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
  • IFC-PR-M 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
WACC7.39%
IFC-PR-M.CA Yearly LT Debt VS Equity VS FCFIFC-PR-M.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-M.CA Yearly Current Assets VS Current LiabilitesIFC-PR-M.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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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%12.68%

3.2 Future

  • IFC-PR-M is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.48% yearly.
  • Based on estimates for the next years, IFC-PR-M will show a small growth in Revenue. The Revenue will grow by 6.49% on average per year.
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

  • 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.
IFC-PR-M.CA Yearly Revenue VS EstimatesIFC-PR-M.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-M.CA Yearly EPS VS EstimatesIFC-PR-M.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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.33, which indicates a rather cheap valuation of IFC-PR-M.
  • Based on the Price/Earnings ratio, IFC-PR-M is valued cheaper than 89.87% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.99. IFC-PR-M is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 1.43, the valuation of IFC-PR-M can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-M indicates a rather cheap valuation: IFC-PR-M is cheaper than 91.14% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, IFC-PR-M is valued rather cheaply.
Industry RankSector Rank
PE 1.33
Fwd PE 1.43
IFC-PR-M.CA Price Earnings VS Forward Price EarningsIFC-PR-M.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • IFC-PR-M's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IFC-PR-M is cheaper than 88.61% of the companies in the same industry.
  • 86.08% of the companies in the same industry are more expensive than IFC-PR-M, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.11
EV/EBITDA 1.29
IFC-PR-M.CA Per share dataIFC-PR-M.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

  • IFC-PR-M has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.1
EPS Next 2Y-0.48%
EPS Next 3YN/A

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

3

5. Dividend

5.1 Amount

  • IFC-PR-M 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 4.24, IFC-PR-M's dividend is way lower than its industry peers. On top of this 89.87% of the companies listed in the same industry pay a better dividend than IFC-PR-M!
  • Compared to an average S&P500 Dividend Yield of 1.81, IFC-PR-M pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.26%

5.2 History

  • IFC-PR-M is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • IFC-PR-M 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-M.CA Yearly Income VS Free CF VS DividendIFC-PR-M.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-M.CA Dividend Payout.IFC-PR-M.CA Dividend Payout, showing the Payout Ratio.IFC-PR-M.CA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP

TSX:IFC-PR-M (2/20/2026, 7:00:00 PM)

25.34

+0.04 (+0.16%)

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 Cap4.50B
Revenue(TTM)N/A
Net Income(TTM)2.98B
Analysts75.56
Price Target32.6 (28.65%)
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 YearsN/A
Div Non Decr YearsN/A
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)3
Avg Revenue beat(4)7.1%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)18.94%
Revenue beat(8)7
Avg Revenue beat(8)15.49%
Revenue beat(12)11
Avg Revenue beat(12)17.53%
Revenue beat(16)15
Avg Revenue beat(16)20.31%
PT rev (1m)10%
PT rev (3m)N/A
EPS NQ rev (1m)0.64%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 1.33
Fwd PE 1.43
P/S 0.17
P/FCF 1.11
P/OCF 1.01
P/B 0.23
P/tB 0.44
EV/EBITDA 1.29
EPS(TTM)19.05
EY75.18%
EPS(NY)17.67
Fwd EY69.73%
FCF(TTM)22.88
FCFY90.31%
OCF(TTM)25.15
OCFY99.26%
SpS149.79
BVpS112.38
TBVpS57.24
PEG (NY)N/A
PEG (5Y)0.1
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
WACC7.39%
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%12.68%
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 1/2 PERP / IFC-PR-M.CA FAQ

What is the ChartMill fundamental rating of INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) stock?

ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-M.CA.


Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP?

ChartMill assigns a valuation rating of 8 / 10 to INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA). This can be considered as Undervalued.


Can you provide the profitability details for INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP?

INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) has a profitability rating of 6 / 10.


What is the valuation of INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) is 1.33 and the Price/Book (PB) ratio is 0.23.


What is the financial health of INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) stock?

The financial health rating of INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) is 3 / 10.