INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-A - CA45823T3047
22.21 CAD
+0.01 (+0.05%)
Overall IFC-PR-A gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-A against 77 industry peers in the Insurance industry. While IFC-PR-A is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-A.
1. Profitability
1.1 Basic Checks
IFC-PR-A had positive earnings in the past year.
IFC-PR-A had a positive operating cash flow in the past year.
IFC-PR-A had positive earnings in each of the past 5 years.
IFC-PR-A had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-A has a better Return On Assets (3.82%) than 85.71% of its industry peers.
IFC-PR-A has a Return On Equity of 12.11%. This is in the better half of the industry: IFC-PR-A outperforms 74.03% of its industry peers.
IFC-PR-A has a Return On Invested Capital of 5.87%. This is amongst the best in the industry. IFC-PR-A outperforms 97.40% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 8.61%, IFC-PR-A is in line with its industry, outperforming 44.16% of the companies in the same industry.
IFC-PR-A's Profit Margin has improved in the last couple of years.
IFC-PR-A has a Operating Margin of 16.63%. This is in the better half of the industry: IFC-PR-A outperforms 76.62% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-A is destroying value.
Compared to 5 years ago, IFC-PR-A has more shares outstanding
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.
IFC-PR-A's Debt to FCF ratio of 1.55 is fine compared to the rest of the industry. IFC-PR-A outperforms 68.83% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that IFC-PR-A is not too dependend on debt financing.
IFC-PR-A's Debt to Equity ratio of 0.28 is fine compared to the rest of the industry. IFC-PR-A outperforms 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.79
WACC7.47%
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.
IFC-PR-A shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
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.
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)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 9.33% 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 6.11% yearly.
EPS Next Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
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
Based on the Price/Earnings ratio of 1.46, the valuation of IFC-PR-A can be described as very cheap.
IFC-PR-A's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-A is cheaper than 93.51% of the companies in the same industry.
IFC-PR-A is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 1.27, the valuation of IFC-PR-A can be described as very cheap.
Based on the Price/Forward Earnings ratio, IFC-PR-A is valued cheaply inside the industry as 93.51% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of IFC-PR-A to the average of the S&P500 Index (22.70), we can say IFC-PR-A is valued rather cheaply.
| 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 90.91% of the companies in the same industry.
IFC-PR-A's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IFC-PR-A is cheaper than 70.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.13 | ||
| 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.
IFC-PR-A has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.06
PEG (5Y)0.08
EPS Next 2Y10.3%
EPS Next 3Y9.33%
5. Dividend
5.1 Amount
IFC-PR-A has a Yearly Dividend Yield of 1.90%.
IFC-PR-A's Dividend Yield is slightly below the industry average, which is at 3.91.
Compared to the average S&P500 Dividend Yield of 2.38, IFC-PR-A is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.9% |
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 2Y10.3%
EPS Next 3Y9.33%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP
TSX:IFC-PR-A (9/17/2025, 7:00:00 PM)
22.21
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.57%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap3.96B
Analysts72.94
Price Target26.89 (21.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.9% |
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)2.07%
PT rev (3m)16.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.27%
EPS NY rev (1m)7.49%
EPS NY rev (3m)7.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.62%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)-1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.46 | ||
| Fwd PE | 1.27 | ||
| P/S | 0.15 | ||
| P/FCF | 1.13 | ||
| P/OCF | 1.02 | ||
| P/B | 0.21 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | 1.47 |
EPS(TTM)15.18
EY68.35%
EPS(NY)17.56
Fwd EY79.04%
FCF(TTM)19.69
FCFY88.66%
OCF(TTM)21.85
OCFY98.38%
SpS151.62
BVpS107.8
TBVpS53.62
PEG (NY)0.06
PEG (5Y)0.08
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
ROICexcg growth 3Y18.12%
ROICexcg 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
WACC7.47%
ROIC/WACC0.79
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 Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
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%