INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-A - CA45823T3047
21.42 CAD
-0.18 (-0.83%)
We assign a fundamental rating of 6 out of 10 to IFC-PR-A. IFC-PR-A was compared to 79 industry peers in the Insurance industry. IFC-PR-A has an excellent profitability rating, but there are concerns on its financial health. IFC-PR-A may be a bit undervalued, certainly considering the very reasonable score on growth IFC-PR-A also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-A was profitable.
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's Return On Assets of 4.73% is amongst the best of the industry. IFC-PR-A outperforms 97.47% of its industry peers.
With an excellent Return On Equity value of 14.93%, IFC-PR-A belongs to the best of the industry, outperforming 92.41% 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 98.73% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
IFC-PR-A's Profit Margin of 11.20% is fine compared to the rest of the industry. IFC-PR-A outperforms 63.29% of its industry peers.
IFC-PR-A's Profit Margin has improved in the last couple of years.
IFC-PR-A's Operating Margin of 20.28% is fine compared to the rest of the industry. IFC-PR-A outperforms 78.48% of its industry peers.
IFC-PR-A's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
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.
IFC-PR-A has more shares outstanding than it did 5 years ago.
2.2 Solvency
IFC-PR-A has a debt to FCF ratio of 1.34. This is a very positive value and a sign of high solvency as it would only need 1.34 years to pay back of all of its debts.
The Debt to FCF ratio of IFC-PR-A (1.34) is better than 81.01% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that IFC-PR-A is not too dependend on debt financing.
The Debt to Equity ratio of IFC-PR-A (0.27) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.95
WACC7.19%
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 35.79% 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.
IFC-PR-A shows a decrease in Revenue. In the last year, the revenue decreased by -1.02%.
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)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.
The Revenue is expected to grow by 6.08% on average over the next years.
EPS Next Y28.32%
EPS Next 2Y10.67%
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 1.15, 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 94.94% of the companies 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 26.77.
With a Price/Forward Earnings ratio of 1.21, 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 96.20% 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 (23.35), we can say IFC-PR-A is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.15 | ||
| Fwd PE | 1.21 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-A is valued cheaper than 93.67% 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 74.68% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.94 | ||
| EV/EBITDA | 1.18 |
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 2Y10.67%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
IFC-PR-A has a Yearly Dividend Yield of 5.46%, which is a nice return.
Compared to an average industry Dividend Yield of 4.35, IFC-PR-A pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, IFC-PR-A pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.46% |
5.2 History
IFC-PR-A has paid a dividend for at least 10 years, which is 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)N/A
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
34.08% of the earnings are spent on dividend by IFC-PR-A. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.67%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP
TSX:IFC-PR-A (12/30/2025, 7:00:00 PM)
21.42
-0.18 (-0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.49%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap3.81B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target24.47 (14.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.46% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years6
Ex-Date
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)-3.17%
PT rev (3m)-8.99%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)0.77%
EPS NY rev (1m)2.8%
EPS NY rev (3m)4.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.15 | ||
| Fwd PE | 1.21 | ||
| P/S | 0.14 | ||
| P/FCF | 0.94 | ||
| P/OCF | 0.85 | ||
| P/B | 0.19 | ||
| P/tB | 0.37 | ||
| EV/EBITDA | 1.18 |
EPS(TTM)18.63
EY86.97%
EPS(NY)17.67
Fwd EY82.5%
FCF(TTM)22.88
FCFY106.8%
OCF(TTM)25.14
OCFY117.39%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.04
PEG (5Y)0.06
Graham Number217
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.19%
ROIC/WACC0.95
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 Y28.32%
EPS Next 2Y10.67%
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 6 / 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 7 / 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 28.32% 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 34.08%.