INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
TSX:IFC-PR-A - Toronto Stock Exchange - CA45823T3047 - Currency: CAD
We assign a fundamental rating of 5 out of 10 to IFC-PR-A. IFC-PR-A was compared to 85 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. IFC-PR-A may be a bit undervalued, certainly considering the very reasonable score on growth
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.
In the past 5 years IFC-PR-A always reported a positive cash flow from operatings.
1.2 Ratios
IFC-PR-A has a Return On Assets of 3.71%. This is amongst the best in the industry. IFC-PR-A outperforms 82.56% of its industry peers.
With a decent Return On Equity value of 12.16%, IFC-PR-A is doing good in the industry, outperforming 79.07% of the companies in the same industry.
IFC-PR-A's Return On Invested Capital of 5.49% is amongst the best of the industry. IFC-PR-A outperforms 81.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 12.16% | ||
| ROIC | 5.49% |
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 8.33%, IFC-PR-A perfoms like the industry average, outperforming 40.70% of the companies in the same industry.
IFC-PR-A's Profit Margin has improved in the last couple of years.
The Operating Margin of IFC-PR-A (15.53%) is comparable to the rest of the industry.
IFC-PR-A's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.53% | ||
| PM (TTM) | 8.33% | ||
| 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.
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 1.85, which is an excellent value as it means it would take IFC-PR-A, only 1.85 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.85, IFC-PR-A is in the better half of the industry, outperforming 77.91% of the companies in the same industry.
IFC-PR-A has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
IFC-PR-A has a Debt to Equity ratio of 0.30. This is comparable to the rest of the industry: IFC-PR-A outperforms 52.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.72
WACC7.63%
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 grown by an impressive 77.11% over the past year.
Measured over the past years, IFC-PR-A shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.46% on average per year.
IFC-PR-A shows a small growth in Revenue. In the last year, the Revenue has grown by 3.16%.
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)77.11%
EPS 3Y-0.2%
EPS 5Y19.46%
EPS Q2Q%28.61%
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%19.83%
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 10.68% yearly.
The Revenue is expected to grow by 9.37% on average over the next years. This is quite good.
EPS Next Y19.05%
EPS Next 2Y12.4%
EPS Next 3Y10.68%
EPS Next 5YN/A
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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
A Price/Earnings ratio of 1.69 indicates a rather cheap valuation of IFC-PR-A.
Compared to the rest of the industry, the Price/Earnings ratio of IFC-PR-A indicates a rather cheap valuation: IFC-PR-A is cheaper than 87.21% of the companies listed in the same industry.
IFC-PR-A's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
IFC-PR-A is valuated cheaply with a Price/Forward Earnings ratio of 1.25.
90.70% of the companies in the same industry are more expensive than IFC-PR-A, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.10. IFC-PR-A is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.69 | ||
| Fwd PE | 1.25 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-A is valued cheaper than 98.84% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-A is valued a bit cheaper than the industry average as 75.58% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.26 | ||
| EV/EBITDA | 1.63 |
4.3 Compensation for Growth
IFC-PR-A's 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)0.09
PEG (5Y)0.09
EPS Next 2Y12.4%
EPS Next 3Y10.68%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.85%, IFC-PR-A has a reasonable but not impressive dividend return.
IFC-PR-A's Dividend Yield is slightly below the industry average, which is at 4.24.
IFC-PR-A's Dividend Yield is slightly below the S&P500 average, which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
5.2 History
The dividend of IFC-PR-A is nicely growing with an annual growth rate of 10.80%!
IFC-PR-A has been paying a dividend for at least 10 years, so it has a reliable track record.
IFC-PR-A has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)10.8%
Div Incr Years1
Div Non Decr Years6
5.3 Sustainability
IFC-PR-A pays out 43.18% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of IFC-PR-A is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP43.18%
EPS Next 2Y12.4%
EPS Next 3Y10.68%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP
TSX:IFC-PR-A (3/7/2025, 7:00:00 PM)
20.87
+0.18 (+0.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners54.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap3.72B
Analysts74.12
Price Target22.65 (8.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
Yearly Dividend4.34
Dividend Growth(5Y)10.8%
DP43.18%
Div Incr Years1
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)4.93%
Min Revenue beat(2)-2.19%
Max Revenue beat(2)12.06%
Revenue beat(4)2
Avg Revenue beat(4)1.53%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)12.06%
Revenue beat(8)3
Avg Revenue beat(8)-0.07%
Revenue beat(12)7
Avg Revenue beat(12)10.29%
Revenue beat(16)11
Avg Revenue beat(16)9.79%
PT rev (1m)-5.02%
PT rev (3m)4.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.78%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.69 | ||
| Fwd PE | 1.25 | ||
| P/S | 0.14 | ||
| P/FCF | 1.26 | ||
| P/OCF | 1.1 | ||
| P/B | 0.21 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | 1.63 |
EPS(TTM)12.37
EY59.27%
EPS(NY)16.64
Fwd EY79.74%
FCF(TTM)16.59
FCFY79.47%
OCF(TTM)18.99
OCFY91%
SpS148.6
BVpS101.76
TBVpS48.12
PEG (NY)0.09
PEG (5Y)0.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 12.16% | ||
| ROCE | 7.15% | ||
| ROIC | 5.49% | ||
| ROICexc | 5.61% | ||
| ROICexgc | 7.63% | ||
| OM | 15.53% | ||
| PM (TTM) | 8.33% | ||
| GM | N/A | ||
| FCFM | 11.16% |
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-ScoreN/A
Asset Turnover0.45
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Debt/EBITDA | 1.13 | ||
| Cap/Depr | 59.09% | ||
| Cap/Sales | 1.62% | ||
| Interest Coverage | 18.29 | ||
| Cash Conversion | 69.95% | ||
| Profit Quality | 134.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC7.63%
ROIC/WACC0.72
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)77.11%
EPS 3Y-0.2%
EPS 5Y19.46%
EPS Q2Q%28.61%
EPS Next Y19.05%
EPS Next 2Y12.4%
EPS Next 3Y10.68%
EPS Next 5YN/A
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%19.83%
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
EBIT growth 1Y31.33%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y113.11%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y83.48%
OCF growth 3Y2.49%
OCF growth 5Y21.3%