INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-A - CA45823T3047
21.88 CAD
-0.02 (-0.09%)
We assign a fundamental rating of 5 out of 10 to IFC-PR-A. IFC-PR-A was compared to 79 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.
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.
IFC-PR-A had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 3.82%, IFC-PR-A belongs to the best of the industry, outperforming 88.61% of the companies in the same industry.
IFC-PR-A has a Return On Equity of 12.11%. This is in the better half of the industry: IFC-PR-A outperforms 75.95% of its industry peers.
IFC-PR-A has a better Return On Invested Capital (5.87%) than 97.47% 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 45.57% of the companies in the same industry.
IFC-PR-A's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 16.63%, IFC-PR-A is in the better half of the industry, outperforming 77.22% of the companies in the same industry.
IFC-PR-A's Operating Margin has improved in the last couple of years.
| 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.
The Debt to FCF ratio of IFC-PR-A (1.55) is better than 68.35% 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 63.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.81
WACC7.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC-PR-A shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.50%.
Measured over the past years, IFC-PR-A shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
IFC-PR-A shows a small growth in Revenue. In the last year, the Revenue has grown by 4.15%.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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
With a Price/Earnings ratio of 1.44, the valuation of IFC-PR-A can be described as very cheap.
Based on the Price/Earnings ratio, IFC-PR-A is valued cheaper than 96.20% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.91. IFC-PR-A is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 1.25, 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.
The average S&P500 Price/Forward Earnings ratio is at 22.92. IFC-PR-A is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.44 | ||
| Fwd PE | 1.25 |
4.2 Price Multiples
93.67% of the companies in the same industry are more expensive than IFC-PR-A, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, IFC-PR-A is valued a bit cheaper than 73.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.11 | ||
| EV/EBITDA | 1.46 |
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)0.06
PEG (5Y)0.08
EPS Next 2Y10.19%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.60%, 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 3.80.
Compared to an average S&P500 Dividend Yield of 2.34, IFC-PR-A pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
5.2 History
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)N/A
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
42.76% of the earnings are spent on dividend by IFC-PR-A. 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 (10/23/2025, 7:00:00 PM)
21.88
-0.02 (-0.09%)
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 Cap3.89B
Revenue(TTM)27.03B
Net Income(TTM)2.33B
Analysts73.33
Price Target27.95 (27.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
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)3.94%
PT rev (3m)13.7%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)-1.72%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.69%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.44 | ||
| Fwd PE | 1.25 | ||
| P/S | 0.14 | ||
| P/FCF | 1.11 | ||
| P/OCF | 1 | ||
| P/B | 0.2 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | 1.46 |
EPS(TTM)15.18
EY69.38%
EPS(NY)17.52
Fwd EY80.07%
FCF(TTM)19.74
FCFY90.22%
OCF(TTM)21.91
OCFY100.12%
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
WACC7.23%
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 5 / 10 and the dividend payout ratio is 42.76%.