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

TSX:IFC-PR-M • CA45823T7675

Current stock price

25.38 CAD
+0.11 (+0.44%)
Last:

This IFC-PR-M.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. IFC-PR-M.CA Profitability Analysis

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.
  • IFC-PR-M had positive earnings in each of the past 5 years.
  • Each year in the past 5 years IFC-PR-M had a positive operating cash flow.
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 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • With an excellent Return On Assets value of 5.21%, IFC-PR-M belongs to the best of the industry, outperforming 91.14% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 15.72%, IFC-PR-M belongs to the top of the industry, outperforming 87.34% of the companies in the same industry.
  • IFC-PR-M has a Return On Invested Capital of 7.52%. This is amongst the best in the industry. IFC-PR-M outperforms 91.14% of its industry peers.
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROIC 7.52%
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 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 12.01%, IFC-PR-M is doing good in the industry, outperforming 72.15% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IFC-PR-M has grown nicely.
  • The Operating Margin of IFC-PR-M (21.11%) is better than 69.62% of its industry peers.
  • In the last couple of years the Operating Margin of IFC-PR-M has grown nicely.
Industry RankSector Rank
OM 21.11%
PM (TTM) 12.01%
GM N/A
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
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 2025 5 10 15 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. IFC-PR-M.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), IFC-PR-M is creating some value.
  • Compared to 1 year ago, IFC-PR-M has less shares outstanding
  • IFC-PR-M has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for IFC-PR-M has been reduced compared to a year ago.
IFC-PR-M.CA Yearly Shares OutstandingIFC-PR-M.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 2025 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 2025 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.
  • IFC-PR-M's Debt to FCF ratio of 1.34 is fine compared to the rest of the industry. IFC-PR-M outperforms 70.89% of its industry peers.
  • IFC-PR-M has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.25, IFC-PR-M belongs to the top of the industry, outperforming 82.28% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1.34
WACC5.59%
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 2025 5B 10B 15B 20B

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 2025 1B 2B 3B 4B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. IFC-PR-M.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 33.06% 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 14.12% on average per year.
  • The Revenue has been growing slightly by 2.93% 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 16.74% yearly.
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%-4.68%

3.2 Future

  • Based on estimates for the next years, IFC-PR-M will show a small growth in Earnings Per Share. The EPS will grow by 0.85% on average per year.
  • The Revenue is expected to grow by 6.81% on average over the next years.
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2028 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 2028 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

8

4. IFC-PR-M.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.32, which indicates a rather cheap valuation of IFC-PR-M.
  • Based on the Price/Earnings ratio, IFC-PR-M is valued cheaply inside the industry as 89.87% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of IFC-PR-M to the average of the S&P500 Index (25.96), we can say IFC-PR-M is valued rather cheaply.
  • The Price/Forward Earnings ratio is 1.43, which 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 91.14% 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 (24.04), we can say IFC-PR-M is valued rather cheaply.
Industry RankSector Rank
PE 1.32
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

  • Based on the Enterprise Value to EBITDA ratio, IFC-PR-M is valued cheaper than 89.87% 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 1.15
EV/EBITDA 1.26
IFC-PR-M.CA Per share dataIFC-PR-M.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

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)0.09
EPS Next 2Y-0.58%
EPS Next 3Y0.85%

More info and screens

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

5

5. IFC-PR-M.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.41%, IFC-PR-M is a good candidate for dividend investing.
  • IFC-PR-M's Dividend Yield is comparable with the industry average which is at 4.82.
  • Compared to an average S&P500 Dividend Yield of 1.91, IFC-PR-M pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.41%

5.2 History

  • The dividend of IFC-PR-M is nicely growing with an annual growth rate of 15.73%!
  • IFC-PR-M does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)15.73%
Div Incr YearsN/A
Div Non Decr YearsN/A
IFC-PR-M.CA Yearly Dividends per shareIFC-PR-M.CA Yearly Dividends per shareYearly Dividends per share 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • IFC-PR-M pays out 31.66% of its income as dividend. This is a sustainable payout ratio.
  • IFC-PR-M's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.66%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
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 2025 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

IFC-PR-M.CA Fundamentals: All Metrics, Ratios and Statistics

INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP

TSX:IFC-PR-M (3/16/2026, 7:00:00 PM)

25.38

+0.11 (+0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners45.24%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.51B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target31.42 (23.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.41%
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date03-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)7.9%
Max EPS beat(2)16.68%
EPS beat(4)4
Avg EPS beat(4)16.77%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)31.32%
EPS beat(12)11
Avg EPS beat(12)25.92%
EPS beat(16)14
Avg EPS beat(16)21.3%
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)1.66%
Revenue beat(4)2
Avg Revenue beat(4)4.32%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)18.94%
Revenue beat(8)6
Avg Revenue beat(8)12.37%
Revenue beat(12)10
Avg Revenue beat(12)16.26%
Revenue beat(16)14
Avg Revenue beat(16)19.94%
PT rev (1m)-3.63%
PT rev (3m)7.02%
EPS NQ rev (1m)1.41%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)0.4%
EPS NY rev (3m)0.48%
Revenue NQ rev (1m)5.55%
Revenue NQ rev (3m)5.55%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 1.32
Fwd PE 1.43
P/S 0.17
P/FCF 1.15
P/OCF 1.03
P/B 0.22
P/tB 0.41
EV/EBITDA 1.26
EPS(TTM)19.2
EY75.65%
EPS(NY)17.74
Fwd EY69.9%
FCF(TTM)22.14
FCFY87.23%
OCF(TTM)24.71
OCFY97.37%
SpS153.62
BVpS117.35
TBVpS62.21
PEG (NY)N/A
PEG (5Y)0.09
Graham Number225.15
Profitability
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROCE 9.51%
ROIC 7.52%
ROICexc 7.69%
ROICexgc 10.29%
OM 21.11%
PM (TTM) 12.01%
GM N/A
FCFM 14.41%
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 3Y16.46%
ROICexgc growth 5Y12.36%
ROICexc growth 3Y17.15%
ROICexc growth 5Y11.57%
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Debt/EBITDA 0.8
Cap/Depr 57.34%
Cap/Sales 1.68%
Interest Coverage 25.37
Cash Conversion 66.94%
Profit Quality 120.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC5.59%
ROIC/WACC1.34
Cap/Depr(3y)64.38%
Cap/Depr(5y)67.42%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.77%
Profit Quality(3y)122.24%
Profit Quality(5y)128.87%
High Growth Momentum
Growth
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%-4.68%
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
Revenue Next 5YN/A
EBIT growth 1Y39.89%
EBIT growth 3Y22.87%
EBIT growth 5Y26.22%
EBIT Next Year8.2%
EBIT Next 3Y5.94%
EBIT Next 5YN/A
FCF growth 1Y32.89%
FCF growth 3Y6.5%
FCF growth 5Y12.42%
OCF growth 1Y29.55%
OCF growth 3Y6.19%
OCF growth 5Y13.28%

INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP / IFC-PR-M.CA Fundamental Analysis 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 6 / 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 7 / 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 1.32 and the Price/Book (PB) ratio is 0.22.


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 4 / 10.