INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-A - CA45823T3047
22.2 CAD
+0.16 (+0.73%)
Taking everything into account, IFC-PR-A scores 5 out of 10 in our fundamental rating. IFC-PR-A was compared to 81 industry peers in the Insurance industry. IFC-PR-A has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-A. Finally IFC-PR-A also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
IFC-PR-A had positive earnings in the past year.
In the past year IFC-PR-A had a positive cash flow from operations.
IFC-PR-A had positive earnings in each of the past 5 years.
In the past 5 years IFC-PR-A always reported a positive cash flow from operatings.
1.2 Ratios
IFC-PR-A's Return On Assets of 3.82% is amongst the best of the industry. IFC-PR-A outperforms 87.65% of its industry peers.
IFC-PR-A's Return On Equity of 12.11% is fine compared to the rest of the industry. IFC-PR-A outperforms 75.31% of its industry peers.
With an excellent Return On Invested Capital value of 5.87%, IFC-PR-A belongs to the best of the industry, outperforming 97.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROIC | 5.87% |
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
With a Profit Margin value of 8.61%, IFC-PR-A perfoms like the industry average, outperforming 45.68% of the companies in the same industry.
In the last couple of years the Profit Margin of IFC-PR-A has grown nicely.
IFC-PR-A's Operating Margin of 16.63% is fine compared to the rest of the industry. IFC-PR-A outperforms 77.78% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-A has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-A is destroying value.
The number of shares outstanding for IFC-PR-A has been increased compared to 5 years ago.
2.2 Solvency
The Debt to FCF ratio of IFC-PR-A is 1.55, which is an excellent value as it means it would take IFC-PR-A, only 1.55 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.55, IFC-PR-A is doing good in the industry, outperforming 69.14% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that IFC-PR-A is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.28, IFC-PR-A is in the better half of the industry, outperforming 64.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.81
WACC7.24%
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 been growing slightly by 2.50% over the past year.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
Looking at the last year, IFC-PR-A shows a small growth in Revenue. The Revenue has grown by 4.15% in the last year.
Measured over the past years, IFC-PR-A shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.
EPS 1Y (TTM)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
3.2 Future
The Earnings Per Share is expected to grow by 9.32% on average over the next years. This is quite good.
IFC-PR-A is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.88% yearly.
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
IFC-PR-A is valuated cheaply with a Price/Earnings ratio of 1.46.
IFC-PR-A's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-A is cheaper than 96.30% of the companies in the same industry.
When comparing the Price/Earnings ratio of IFC-PR-A to the average of the S&P500 Index (25.67), we can say IFC-PR-A is valued rather cheaply.
The Price/Forward Earnings ratio is 1.27, which indicates a rather cheap valuation of IFC-PR-A.
IFC-PR-A's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-A is cheaper than 96.30% of the companies in the same industry.
IFC-PR-A is valuated cheaply when we compare the Price/Forward Earnings ratio to 31.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.46 | ||
| Fwd PE | 1.27 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-A is valued cheaper than 93.83% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-A is valued a bit cheaper than 72.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.12 | ||
| EV/EBITDA | 1.47 |
4.3 Compensation for Growth
The 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-A may justify a higher PE ratio.
PEG (NY)0.06
PEG (5Y)0.08
EPS Next 2Y10.19%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.55%, IFC-PR-A is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.90, IFC-PR-A pays a better dividend. On top of this IFC-PR-A pays more dividend than 98.77% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, IFC-PR-A pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
5.2 History
IFC-PR-A has paid a dividend for at least 10 years, which is a reliable track record.
As IFC-PR-A did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
IFC-PR-A pays out 42.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP
TSX:IFC-PR-A (11/6/2025, 7:00:00 PM)
22.2
+0.16 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.23%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap3.95B
Revenue(TTM)27.03B
Net Income(TTM)2.33B
Analysts73.33
Price Target26.88 (21.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years0
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.25%
Min EPS beat(2)12.33%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)45.94%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)8
Avg EPS beat(8)36.37%
EPS beat(12)10
Avg EPS beat(12)24.32%
EPS beat(16)14
Avg EPS beat(16)26.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.38%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-1.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)-0.6%
Revenue beat(8)1
Avg Revenue beat(8)-1.81%
Revenue beat(12)4
Avg Revenue beat(12)1.79%
Revenue beat(16)8
Avg Revenue beat(16)7.33%
PT rev (1m)-0.02%
PT rev (3m)9.36%
EPS NQ rev (1m)6.42%
EPS NQ rev (3m)6.71%
EPS NY rev (1m)0%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.46 | ||
| Fwd PE | 1.27 | ||
| P/S | 0.15 | ||
| P/FCF | 1.12 | ||
| P/OCF | 1.01 | ||
| P/B | 0.21 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | 1.47 |
EPS(TTM)15.18
EY68.38%
EPS(NY)17.52
Fwd EY78.92%
FCF(TTM)19.74
FCFY88.92%
OCF(TTM)21.91
OCFY98.67%
SpS152
BVpS108.07
TBVpS53.75
PEG (NY)0.06
PEG (5Y)0.08
Graham Number192.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROCE | 7.64% | ||
| ROIC | 5.87% | ||
| ROICexc | 6.03% | ||
| ROICexgc | 8.19% | ||
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| GM | N/A | ||
| FCFM | 12.99% |
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 Turnover0.44
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | 1.03 | ||
| Cap/Depr | 50.2% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | 19.8 | ||
| Cash Conversion | 74.02% | ||
| Profit Quality | 150.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.24%
ROIC/WACC0.81
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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
EBIT Next 5YN/A
FCF growth 1Y65.8%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y52.33%
OCF growth 3Y2.49%
OCF growth 5Y21.3%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP / IFC-PR-A.CA FAQ
Can you provide the ChartMill fundamental rating for INTACT FINANCIAL CORP - IFCCN 4.841 PERP?
ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-A.CA.
Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 4.841 PERP?
ChartMill assigns a valuation rating of 8 / 10 to INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA). This can be considered as Undervalued.
How profitable is INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) stock?
INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) has a profitability rating of 6 / 10.
What is the earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 4.841 PERP?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) is expected to grow by 23.17% in the next year.
Can you provide the dividend sustainability for IFC-PR-A stock?
The dividend rating of INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) is 7 / 10 and the dividend payout ratio is 42.76%.