INTACT FINANCIAL CORP - IFCCN 4.841 PERP (IFC-PR-A.CA) Stock Fundamental Analysis
TSX:IFC-PR-A - Toronto Stock Exchange - CA45823T3047 - Currency: CAD
IFC-PR-A gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
In the past 5 years IFC-PR-A has always been profitable.
IFC-PR-A had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-A's Return On Assets of 3.71% is amongst the best of the industry. IFC-PR-A outperforms 86.25% of its industry peers.
IFC-PR-A's Return On Equity of 12.16% is amongst the best of the industry. IFC-PR-A outperforms 83.75% of its industry peers.
IFC-PR-A's Return On Invested Capital of 5.49% is amongst the best of the industry. IFC-PR-A outperforms 91.25% 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
IFC-PR-A has a Profit Margin (8.33%) which is comparable to the rest of the industry.
IFC-PR-A's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 15.53%, IFC-PR-A perfoms like the industry average, outperforming 51.25% 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 | 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
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
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.
IFC-PR-A's Debt to FCF ratio of 1.85 is fine compared to the rest of the industry. IFC-PR-A outperforms 75.00% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that IFC-PR-A is not too dependend on debt financing.
The Debt to Equity ratio of IFC-PR-A (0.30) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.75
WACC7.29%
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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.54%, which is quite impressive.
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.
The Revenue has been growing slightly by 3.16% in the past 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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%16.82%
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%
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 9.40% yearly.
Based on estimates for the next years, IFC-PR-A will show a quite strong growth in Revenue. The Revenue will grow by 9.37% on average per year.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
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 1.31, 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 90.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of IFC-PR-A to the average of the S&P500 Index (28.79), we can say IFC-PR-A is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 1.15, 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 93.75% 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 (21.38), we can say IFC-PR-A is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.31 | ||
| Fwd PE | 1.15 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IFC-PR-A indicates a rather cheap valuation: IFC-PR-A is cheaper than 91.25% of the companies listed 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 67.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.14 | ||
| EV/EBITDA | 1.56 |
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)0.09
PEG (5Y)0.07
EPS Next 2Y10.6%
EPS Next 3Y9.4%
5. Dividend
5.1 Amount
IFC-PR-A has a Yearly Dividend Yield of 1.78%. Purely for dividend investing, there may be better candidates out there.
IFC-PR-A's Dividend Yield is slightly below the industry average, which is at 4.53.
IFC-PR-A's Dividend Yield is slightly below the S&P500 average, which is at 2.47.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
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 Years1
Div Non Decr Years6
5.3 Sustainability
43.18% of the earnings are spent on dividend by IFC-PR-A. This is a bit on the high side, but may be sustainable.
DP43.18%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
INTACT FINANCIAL CORP - IFCCN 4.841 PERP
TSX:IFC-PR-A (4/25/2025, 7:00:00 PM)
18.97
+0.09 (+0.48%)
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 Cap3.38B
Analysts74.12
Price Target19.07 (0.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP43.18%
Div Incr Years1
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)70.63%
Min EPS beat(2)13.21%
Max EPS beat(2)128.05%
EPS beat(4)4
Avg EPS beat(4)45.87%
Min EPS beat(4)5.69%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)30.5%
EPS beat(12)10
Avg EPS beat(12)22.8%
EPS beat(16)14
Avg EPS beat(16)26.14%
Revenue beat(2)0
Avg Revenue beat(2)-1.39%
Min Revenue beat(2)-2.19%
Max Revenue beat(2)-0.6%
Revenue beat(4)1
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)0.56%
Revenue beat(8)2
Avg Revenue beat(8)-1.65%
Revenue beat(12)6
Avg Revenue beat(12)9.23%
Revenue beat(16)10
Avg Revenue beat(16)8.99%
PT rev (1m)-8.32%
PT rev (3m)-8.89%
EPS NQ rev (1m)-2.4%
EPS NQ rev (3m)-5.03%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-0.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.31 | ||
| Fwd PE | 1.15 | ||
| P/S | 0.13 | ||
| P/FCF | 1.14 | ||
| P/OCF | 1 | ||
| P/B | 0.19 | ||
| P/tB | 0.39 | ||
| EV/EBITDA | 1.56 |
EPS(TTM)14.43
EY76.07%
EPS(NY)16.56
Fwd EY87.32%
FCF(TTM)16.59
FCFY87.43%
OCF(TTM)18.99
OCFY100.11%
SpS148.6
BVpS101.76
TBVpS48.12
PEG (NY)0.09
PEG (5Y)0.07
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
WACC7.29%
ROIC/WACC0.75
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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%16.82%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%
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%