INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis

TSX:IFC-PR-A • CA45823T3047

22.1 CAD
+0.02 (+0.09%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, IFC-PR-A scores 5 out of 10 in our fundamental rating. IFC-PR-A was compared to 78 industry peers in the Insurance industry. IFC-PR-A scores excellent on profitability, but there are concerns on its financial health. IFC-PR-A is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

7

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.
  • Each year in the past 5 years IFC-PR-A has been profitable.
  • Each year in the past 5 years IFC-PR-A had a positive operating cash flow.
IFC-PR-A.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-A.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 1B 2B 3B 4B

1.2 Ratios

  • IFC-PR-A has a better Return On Assets (4.73%) than 97.44% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.93%, IFC-PR-A belongs to the top of the industry, outperforming 94.87% of the companies in the same industry.
  • IFC-PR-A has a Return On Invested Capital of 6.85%. This is amongst the best in the industry. IFC-PR-A outperforms 98.72% of its industry peers.
Industry RankSector 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
IFC-PR-A.CA Yearly ROA, ROE, ROICIFC-PR-A.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • With a decent Profit Margin value of 11.20%, IFC-PR-A is doing good in the industry, outperforming 61.54% 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 has a better Operating Margin (20.28%) than 76.92% of its industry peers.
  • In the last couple of years the Operating Margin of IFC-PR-A has grown nicely.
Industry RankSector 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
IFC-PR-A.CA Yearly Profit, Operating, Gross MarginsIFC-PR-A.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • IFC-PR-A has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 5 years ago, IFC-PR-A has more shares outstanding
IFC-PR-A.CA Yearly Shares OutstandingIFC-PR-A.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 50M 100M 150M
IFC-PR-A.CA Yearly Total Debt VS Total AssetsIFC-PR-A.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2024 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of IFC-PR-A is 1.34, which is an excellent value as it means it would take IFC-PR-A, only 1.34 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of IFC-PR-A (1.34) is better than 79.49% of its industry peers.
  • A Debt/Equity ratio of 0.27 indicates that IFC-PR-A is not too dependend on debt financing.
  • IFC-PR-A has a Debt to Equity ratio of 0.27. This is comparable to the rest of the industry: IFC-PR-A outperforms 56.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC0.93
WACC7.33%
IFC-PR-A.CA Yearly LT Debt VS Equity VS FCFIFC-PR-A.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFC-PR-A.CA Yearly Current Assets VS Current LiabilitesIFC-PR-A.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2024 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.79% 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 decrease in Revenue. The Revenue has decreased by -1.02% in the last year.
  • IFC-PR-A 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%6.54%

3.2 Future

  • IFC-PR-A 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-A will show a small growth in Revenue. The Revenue will grow by 6.08% on average per year.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
IFC-PR-A.CA Yearly Revenue VS EstimatesIFC-PR-A.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B 25B
IFC-PR-A.CA Yearly EPS VS EstimatesIFC-PR-A.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 1.19, the valuation of IFC-PR-A can be described as very cheap.
  • Based on the Price/Earnings ratio, IFC-PR-A is valued cheaply inside the industry as 97.44% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.67. IFC-PR-A is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 1.25 indicates a rather cheap valuation of IFC-PR-A.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-A indicates a rather cheap valuation: IFC-PR-A is cheaper than 98.72% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. IFC-PR-A is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.19
Fwd PE 1.25
IFC-PR-A.CA Price Earnings VS Forward Price EarningsIFC-PR-A.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-A is valued cheaply inside the industry as 96.15% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, IFC-PR-A is valued cheaper than 96.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.97
EV/EBITDA 1.2
IFC-PR-A.CA Per share dataIFC-PR-A.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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)0.04
PEG (5Y)0.06
EPS Next 2Y10.65%
EPS Next 3Y9.35%

More info and screens

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

4

5. Dividend

5.1 Amount

  • IFC-PR-A has a Yearly Dividend Yield of 2.01%.
  • IFC-PR-A's Dividend Yield is slightly below the industry average, which is at 3.53.
  • IFC-PR-A's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.01%

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
IFC-PR-A.CA Yearly Dividends per shareIFC-PR-A.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • IFC-PR-A pays out 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.65%
EPS Next 3Y9.35%
IFC-PR-A.CA Yearly Income VS Free CF VS DividendIFC-PR-A.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
IFC-PR-A.CA Dividend Payout.IFC-PR-A.CA Dividend Payout, showing the Payout Ratio.IFC-PR-A.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP - IFCCN 4.841 PERP

TSX:IFC-PR-A (2/12/2026, 7:00:00 PM)

22.1

+0.02 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-10
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap3.93B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target28.04 (26.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.01%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years6
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)1
Avg Revenue beat(4)-0.92%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.46%
Revenue beat(12)4
Avg Revenue beat(12)-0.12%
Revenue beat(16)8
Avg Revenue beat(16)7.07%
PT rev (1m)14.6%
PT rev (3m)4.32%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)1.42%
EPS NY rev (1m)0.01%
EPS NY rev (3m)2.81%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 1.19
Fwd PE 1.25
P/S 0.15
P/FCF 0.97
P/OCF 0.88
P/B 0.2
P/tB 0.39
EV/EBITDA 1.2
EPS(TTM)18.63
EY84.3%
EPS(NY)17.67
Fwd EY79.95%
FCF(TTM)22.88
FCFY103.52%
OCF(TTM)25.14
OCFY113.78%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.04
PEG (5Y)0.06
Graham Number217
Profitability
Industry RankSector 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 RankSector 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
WACC7.33%
ROIC/WACC0.93
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 Y28.34%
EPS Next 2Y10.65%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
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 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.


What is the valuation status for IFC-PR-A stock?

ChartMill assigns a valuation rating of 9 / 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 7 / 10.


What are the PE and PB ratios of INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) stock?

The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) is 1.19 and the Price/Book (PB) ratio is 0.2.


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 28.34% in the next year.