INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-M -
25.45 CAD
-0.05 (-0.2%)
Taking everything into account, IFC-PR-M scores 5 out of 10 in our fundamental rating. IFC-PR-M was compared to 79 industry peers in the Insurance industry. IFC-PR-M has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFC-PR-M scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
IFC-PR-M had positive earnings in the past year.
In the past year IFC-PR-M had a positive cash flow from operations.
In the past 5 years IFC-PR-M has always been profitable.
In the past 5 years IFC-PR-M always reported a positive cash flow from operatings.
1.2 Ratios
IFC-PR-M has a Return On Assets of 4.73%. This is amongst the best in the industry. IFC-PR-M outperforms 89.87% of its industry peers.
IFC-PR-M has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC-PR-M outperforms 84.81% of its industry peers.
IFC-PR-M has a Return On Invested Capital of 6.85%. This is amongst the best in the industry. IFC-PR-M outperforms 91.14% 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-M has a Profit Margin (11.20%) which is comparable to the rest of the industry.
IFC-PR-M's Profit Margin has improved in the last couple of years.
The Operating Margin of IFC-PR-M (20.28%) is better than 70.89% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-M 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
IFC-PR-M has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
IFC-PR-M has more shares outstanding than it did 5 years ago.
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.
IFC-PR-M's Debt to FCF ratio of 1.34 is fine compared to the rest of the industry. IFC-PR-M outperforms 73.42% of its industry peers.
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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.94
WACC7.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.79% over the past year.
Measured over the past years, IFC-PR-M shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
Looking at the last year, IFC-PR-M shows a decrease in Revenue. The Revenue has decreased by -1.02% in the last year.
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%-20.33%
3.2 Future
IFC-PR-M is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.35% yearly.
Based on estimates for the next years, IFC-PR-M will show a small growth in Revenue. The Revenue will grow by 6.08% on average per year.
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
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
The Price/Earnings ratio is 1.37, which indicates a rather cheap valuation of IFC-PR-M.
Based on the Price/Earnings ratio, IFC-PR-M is valued cheaper than 87.34% of the companies in the same industry.
IFC-PR-M's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
IFC-PR-M is valuated cheaply with a Price/Forward Earnings ratio of 1.44.
Based on the Price/Forward Earnings ratio, IFC-PR-M is valued cheaper than 88.61% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.13. IFC-PR-M is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.37 | ||
| Fwd PE | 1.44 |
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 86.08% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-M is valued cheaply inside the industry as 84.81% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.11 | ||
| EV/EBITDA | 1.29 |
4.3 Compensation for Growth
IFC-PR-M'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-M 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-M has a Yearly Dividend Yield of 5.46%, which is a nice return.
IFC-PR-M's Dividend Yield is a higher than the industry average which is at 4.35.
Compared to an average S&P500 Dividend Yield of 2.00, IFC-PR-M pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.46% |
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
34.08% of the earnings are spent on dividend by IFC-PR-M. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.67%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP
TSX:IFC-PR-M (12/30/2025, 7:00:00 PM)
25.45
-0.05 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.49%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.52B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target28.76 (13.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.46% |
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.8%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.37 | ||
| Fwd PE | 1.44 | ||
| 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)18.63
EY73.2%
EPS(NY)17.67
Fwd EY69.44%
FCF(TTM)22.88
FCFY89.89%
OCF(TTM)25.14
OCFY98.8%
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
WACC7.26%
ROIC/WACC0.94
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%-20.33%
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 1/2 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 1.37 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 2 / 10.