IFC-PR-C Fundamental Analysis - INTACT FINANCIAL CORP - IFCCN 3.457 PERP

Fundamental Rating

Overall IFC-PR-C gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-C against 81 industry peers in the Insurance industry. While IFC-PR-C 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-C. IFC-PR-C also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

IFC-PR-C had positive earnings in the past year.
IFC-PR-C had a positive operating cash flow in the past year.
IFC-PR-C had positive earnings in each of the past 5 years.
IFC-PR-C had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

IFC-PR-C's Return On Assets of 4.73% is amongst the best of the industry. IFC-PR-C outperforms 91.36% of its industry peers.
The Return On Equity of IFC-PR-C (14.93%) is better than 88.89% of its industry peers.
IFC-PR-C has a better Return On Invested Capital (6.85%) than 92.59% 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

Looking at the Profit Margin, with a value of 11.20%, IFC-PR-C is in line with its industry, outperforming 56.79% of the companies in the same industry.
IFC-PR-C's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 20.28%, IFC-PR-C is doing good in the industry, outperforming 71.60% of the companies in the same industry.
IFC-PR-C'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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-C is destroying value.
IFC-PR-C has more shares outstanding than it did 5 years ago.

2.2 Solvency

The Debt to FCF ratio of IFC-PR-C is 1.34, which is an excellent value as it means it would take IFC-PR-C, only 1.34 years of fcf income to pay off all of its debts.
IFC-PR-C has a better Debt to FCF ratio (1.34) than 74.07% of its industry peers.
IFC-PR-C has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of IFC-PR-C (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/WACC0.94

WACC7.25%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 35.79% over the past year.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
The Revenue has decreased by -1.02% in the past year.
IFC-PR-C shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.

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-C is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.35% yearly.
Based on estimates for the next years, IFC-PR-C will show a small growth in Revenue. The Revenue will grow by 6.08% on average per year.

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

IFC-PR-C is valuated cheaply with a Price/Earnings ratio of 1.34.
Based on the Price/Earnings ratio, IFC-PR-C is valued cheaper than 91.36% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.30, IFC-PR-C is valued rather cheaply.
The Price/Forward Earnings ratio is 1.41, which indicates a rather cheap valuation of IFC-PR-C.
92.59% of the companies in the same industry are more expensive than IFC-PR-C, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.04. IFC-PR-C is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	1.34
Fwd PE	1.41

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, IFC-PR-C is valued cheaper than 90.12% of the companies in the same industry.
87.65% of the companies in the same industry are more expensive than IFC-PR-C, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	1.09
EV/EBITDA	1.28

4.3 Compensation for Growth

IFC-PR-C's 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-C may justify a higher PE ratio.

PEG (NY)0.05

PEG (5Y)0.07

EPS Next 2Y10.67%

EPS Next 3Y9.35%

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5. Dividend

5.1 Amount

IFC-PR-C has a Yearly Dividend Yield of 5.51%, which is a nice return.
IFC-PR-C's Dividend Yield is a higher than the industry average which is at 3.60.
Compared to an average S&P500 Dividend Yield of 1.92, IFC-PR-C pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.51%

5.2 History

IFC-PR-C has been paying a dividend for at least 10 years, so it has a reliable track record.
IFC-PR-C 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 Years7

5.3 Sustainability

IFC-PR-C pays out 34.08% of its income as dividend. This is a sustainable payout ratio.

DP34.08%

EPS Next 2Y10.67%

EPS Next 3Y9.35%

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INTACT FINANCIAL CORP - IFCCN 3.457 PERP

TSX:IFC-PR-C (1/13/2026, 7:00:00 PM)

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-04 2025-11-04/amc

Earnings (Next)02-09 2026-02-09

Inst Owners46.32%

Inst Owner ChangeN/A

Ins Owners0.33%

Ins Owner ChangeN/A

Market Cap4.44B

Revenue(TTM)26.61B

Net Income(TTM)2.98B

Analysts75.56

Price Target28.18 (12.72%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.51%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP34.08%

Div Incr Years0

Div Non Decr Years7

Ex-DateN/A

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)5

Avg Revenue beat(12)2.5%

Revenue beat(16)9

Avg Revenue beat(16)9.03%

PT rev (1m)-1.96%

PT rev (3m)-6.98%

EPS NQ rev (1m)0.18%

EPS NQ rev (3m)0.77%

EPS NY rev (1m)0.04%

EPS NY rev (3m)4.18%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.28%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.39%

Valuation

		Industry Rank	Sector Rank
PE	1.34
Fwd PE	1.41
P/S	0.17
P/FCF	1.09
P/OCF	0.99
P/B	0.22
P/tB	0.44
EV/EBITDA	1.28

EPS(TTM)18.63

EY74.52%

EPS(NY)17.67

Fwd EY70.69%

FCF(TTM)22.88

FCFY91.51%

OCF(TTM)25.14

OCFY100.58%

SpS149.74

BVpS112.34

TBVpS57.22

PEG (NY)0.05

PEG (5Y)0.07

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

WACC7.25%

ROIC/WACC0.94

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 3.457 PERP / IFC-PR-C.CA FAQ

What is the ChartMill fundamental rating of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) stock?

ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-C.CA.

Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 3.457 PERP?

ChartMill assigns a valuation rating of 9 / 10 to INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA). This can be considered as Undervalued.

What is the profitability of IFC-PR-C stock?

INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) has a profitability rating of 6 / 10.

What is the earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 3.457 PERP?

The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) is expected to grow by 28.32% in the next year.

How sustainable is the dividend of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) stock?

The dividend rating of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) is 7 / 10 and the dividend payout ratio is 34.08%.

INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

INTACT FINANCIAL CORP - IFCCN 3.457 PERP / IFC-PR-C.CA FAQ

What is the ChartMill fundamental rating of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) stock?

Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 3.457 PERP?

What is the profitability of IFC-PR-C stock?

What is the earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 3.457 PERP?

How sustainable is the dividend of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) stock?