INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:IFC-PR-M
25.41 CAD
0 (0%)
Last: Jan 30, 2026, 07:00 PM
We assign a fundamental rating of 5 out of 10 to IFC-PR-M. IFC-PR-M was compared to 80 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-M while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-M.
1. Profitability
1.1 Basic Checks
- IFC-PR-M had positive earnings in the past year.
- IFC-PR-M had a positive operating cash flow in the past year.
- In the past 5 years IFC-PR-M has always been profitable.
- IFC-PR-M had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- IFC-PR-M's Return On Assets of 4.73% is amongst the best of the industry. IFC-PR-M outperforms 88.75% of its industry peers.
- Looking at the Return On Equity, with a value of 14.93%, IFC-PR-M belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 6.85%, IFC-PR-M belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
| 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
- The Profit Margin of IFC-PR-M (11.20%) is comparable to the rest of the industry.
- IFC-PR-M's Profit Margin has improved in the last couple of years.
- IFC-PR-M's Operating Margin of 20.28% is fine compared to the rest of the industry. IFC-PR-M outperforms 68.75% 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-M is destroying value.
- The number of shares outstanding for IFC-PR-M has been increased compared to 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.
- With a decent Debt to FCF ratio value of 1.34, IFC-PR-M is doing good in the industry, outperforming 71.25% of the companies in the same industry.
- A Debt/Equity ratio of 0.27 indicates that IFC-PR-M is not too dependend on debt financing.
- IFC-PR-M's Debt to Equity ratio of 0.27 is in line compared to the rest of the industry. IFC-PR-M outperforms 48.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.93
WACC7.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- IFC-PR-M 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.
- The Revenue has decreased by -1.02% in the past year.
- IFC-PR-M 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%-20.33%
3.2 Future
- The Earnings Per Share is expected to grow by 9.35% on average over the next years. This is quite good.
- IFC-PR-M is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.08% yearly.
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.
- 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 1.36, which indicates a rather cheap valuation of IFC-PR-M.
- Compared to the rest of the industry, the Price/Earnings ratio of IFC-PR-M indicates a rather cheap valuation: IFC-PR-M is cheaper than 88.75% of the companies listed 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 28.32.
- A Price/Forward Earnings ratio of 1.44 indicates a rather cheap valuation of IFC-PR-M.
- IFC-PR-M's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-M is cheaper than 90.00% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of IFC-PR-M to the average of the S&P500 Index (25.57), we can say IFC-PR-M is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.36 | ||
| 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 87.50% of the companies in the same industry.
- IFC-PR-M's Price/Free Cash Flow ratio is rather cheap when compared to the industry. IFC-PR-M is cheaper than 85.00% of the companies in the same industry.
| 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.
- IFC-PR-M has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.05
PEG (5Y)0.07
EPS Next 2Y10.65%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
- IFC-PR-M has a Yearly Dividend Yield of 2.15%.
- With a Dividend Yield of 2.15, IFC-PR-M pays less dividend than the industry average, which is at 3.51. 85.00% 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 1.83, IFC-PR-M has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
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 2Y10.65%
EPS Next 3Y9.35%
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 9 / 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 1.36 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.