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

TSX:IFC-PR-M • CA45823T7675

Current stock price

25 CAD
+0.1 (+0.4%)
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.
  • IFC-PR-M had a positive operating cash flow in the past year.
  • Each year in the past 5 years IFC-PR-M has been profitable.
  • In the past 5 years IFC-PR-M always reported a positive cash flow from operatings.
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

  • The Return On Assets of IFC-PR-M (5.21%) is better than 92.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 15.72%, IFC-PR-M belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 7.52%, IFC-PR-M belongs to the top of the industry, outperforming 91.25% of the companies in the same industry.
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 73.75% 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 71.25% of its industry peers.
  • IFC-PR-M's Operating Margin has improved in the last couple of years.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. IFC-PR-M.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so IFC-PR-M is still creating some value.
  • IFC-PR-M has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for IFC-PR-M has been increased compared to 5 years ago.
  • Compared to 1 year ago, IFC-PR-M has an improved debt to assets ratio.
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

  • The Debt to FCF ratio of IFC-PR-M is 1.34, which is an excellent value as it means it would take IFC-PR-M, only 1.34 years of fcf income to pay off all of its debts.
  • IFC-PR-M has a Debt to FCF ratio of 1.34. This is in the better half of the industry: IFC-PR-M outperforms 73.75% 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.
  • IFC-PR-M's Debt to Equity ratio of 0.25 is amongst the best of the industry. IFC-PR-M outperforms 83.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1.34
WACC5.61%
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

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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.
  • IFC-PR-M shows a small growth in Revenue. In the last year, the Revenue has grown by 2.93%.
  • The Revenue has been growing by 16.74% on average over the past years. This is quite good.
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

  • IFC-PR-M is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.71% yearly.
  • IFC-PR-M is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.81% yearly.
EPS Next Y-6.96%
EPS Next 2Y-0.3%
EPS Next 3Y0.71%
EPS Next 5YN/A
Revenue Next Year5.83%
Revenue Next 2Y5.67%
Revenue Next 3Y6.81%
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.
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

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8

4. IFC-PR-M.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.30 indicates a rather cheap valuation of IFC-PR-M.
  • Based on the Price/Earnings ratio, IFC-PR-M is valued cheaper than 91.25% of the companies in the same industry.
  • IFC-PR-M is valuated cheaply when we compare the Price/Earnings ratio to 27.89, which is the current average of the S&P500 Index.
  • IFC-PR-M is valuated cheaply with a Price/Forward Earnings ratio of 1.40.
  • Based on the Price/Forward Earnings ratio, IFC-PR-M is valued cheaply inside the industry as 92.50% of the companies are valued more expensively.
  • IFC-PR-M is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.3
Fwd PE 1.4
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 10 20 30

4.2 Price Multiples

  • 91.25% of the companies in the same industry are more expensive than IFC-PR-M, based on the Enterprise Value to EBITDA ratio.
  • IFC-PR-M's Price/Free Cash Flow ratio is rather cheap when compared to the industry. IFC-PR-M is cheaper than 87.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.13
EV/EBITDA 1.25
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-0.3%
EPS Next 3Y0.71%

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

3

5. IFC-PR-M.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.29%, IFC-PR-M has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 2.29, IFC-PR-M pays less dividend than the industry average, which is at 3.61. 82.50% 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 1.82, IFC-PR-M pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.29%

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 Years0
Div Non Decr Years0
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-0.3%
EPS Next 3Y0.71%
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

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

INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP

TSX:IFC-PR-M (4/17/2026, 7:00:00 PM)

25

+0.1 (+0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners45.5%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.43B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target31.16 (24.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.29%
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr Years0
Div Non Decr Years0
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)-0.82%
PT rev (3m)5.14%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)1.34%
EPS NY rev (1m)0.7%
EPS NY rev (3m)1.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.55%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)-0.1%
Valuation
Industry RankSector Rank
PE 1.3
Fwd PE 1.4
P/S 0.16
P/FCF 1.13
P/OCF 1.01
P/B 0.21
P/tB 0.4
EV/EBITDA 1.25
EPS(TTM)19.2
EY76.8%
EPS(NY)17.86
Fwd EY71.45%
FCF(TTM)22.17
FCFY88.67%
OCF(TTM)24.74
OCFY98.97%
SpS153.81
BVpS117.49
TBVpS62.29
PEG (NY)N/A
PEG (5Y)0.09
Graham Number225.292 (801.17%)
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
WACC5.61%
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-6.96%
EPS Next 2Y-0.3%
EPS Next 3Y0.71%
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%-4.68%
Revenue Next Year5.83%
Revenue Next 2Y5.67%
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.


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

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.


What is the profitability of IFC-PR-M stock?

INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) has a profitability rating of 7 / 10.


What is the expected EPS growth for INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) stock?

The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) is expected to decline by -6.96% in the next year.


Is the dividend of INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP sustainable?

The dividend rating of INTACT FINANCIAL CORP - IFCCN 5 1/2 PERP (IFC-PR-M.CA) is 3 / 10 and the dividend payout ratio is 31.66%.