INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-C - CA45823T6016
24.43 CAD
-0.01 (-0.04%)
Taking everything into account, IFC-PR-C scores 6 out of 10 in our fundamental rating. IFC-PR-C was compared to 80 industry peers in the Insurance industry. While IFC-PR-C belongs to the best of the industry regarding profitability, there are concerns on its financial health. IFC-PR-C scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally IFC-PR-C also has an excellent dividend rating.
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.
Each year in the past 5 years IFC-PR-C had a positive operating cash flow.
1.2 Ratios
IFC-PR-C has a Return On Assets of 4.73%. This is amongst the best in the industry. IFC-PR-C outperforms 92.50% of its industry peers.
IFC-PR-C has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC-PR-C outperforms 88.75% of its industry peers.
The Return On Invested Capital of IFC-PR-C (6.85%) is better than 92.50% 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-C's Profit Margin of 11.20% is fine compared to the rest of the industry. IFC-PR-C outperforms 75.00% of its industry peers.
In the last couple of years the Profit Margin of IFC-PR-C has grown nicely.
IFC-PR-C has a better Operating Margin (20.28%) than 72.50% of its industry peers.
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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-C is destroying value.
Compared to 5 years ago, IFC-PR-C has more shares outstanding
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 75.00% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that IFC-PR-C is not too dependend on debt financing.
IFC-PR-C has a Debt to Equity ratio of 0.27. This is in the better half of the industry: IFC-PR-C outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.94
WACC7.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC-PR-C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.54%, which is quite impressive.
IFC-PR-C shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
Looking at the last year, IFC-PR-C shows a decrease in Revenue. The Revenue has decreased by -1.02% in the last year.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
EPS 1Y (TTM)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%344.47%
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%26.12%
3.2 Future
The Earnings Per Share is expected to grow by 9.44% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.86% on average over the next years.
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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
The Price/Earnings ratio is 1.69, which indicates a rather cheap valuation of IFC-PR-C.
Compared to the rest of the industry, the Price/Earnings ratio of IFC-PR-C indicates a rather cheap valuation: IFC-PR-C is cheaper than 90.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.56, IFC-PR-C is valued rather cheaply.
IFC-PR-C is valuated cheaply with a Price/Forward Earnings ratio of 1.39.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-C indicates a rather cheap valuation: IFC-PR-C is cheaper than 91.25% of the companies listed in the same industry.
IFC-PR-C's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.62.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.69 | ||
| Fwd PE | 1.39 |
4.2 Price Multiples
IFC-PR-C's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IFC-PR-C is cheaper than 88.75% of the companies in the same industry.
IFC-PR-C's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IFC-PR-C is cheaper than 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.07 | ||
| EV/EBITDA | 1.26 |
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-C may justify a higher PE ratio.
PEG (NY)0.07
PEG (5Y)0.09
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
IFC-PR-C has a Yearly Dividend Yield of 5.52%, which is a nice return.
IFC-PR-C's Dividend Yield is rather good when compared to the industry average which is at 4.58. IFC-PR-C pays more dividend than 95.00% of the companies in the same industry.
IFC-PR-C's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
5.2 History
IFC-PR-C has been paying a dividend for at least 10 years, so it has a reliable track record.
As IFC-PR-C did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years7
5.3 Sustainability
34.08% of the earnings are spent on dividend by IFC-PR-C. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
INTACT FINANCIAL CORP - IFCCN 3.457 PERP
TSX:IFC-PR-C (11/13/2025, 7:00:00 PM)
24.43
-0.01 (-0.04%)
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 Cap4.34B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target28.56 (16.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years7
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)8.73%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)20.35%
Revenue beat(4)1
Avg Revenue beat(4)3.75%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)20.35%
Revenue beat(8)2
Avg Revenue beat(8)0.88%
Revenue beat(12)5
Avg Revenue beat(12)4.05%
Revenue beat(16)9
Avg Revenue beat(16)10.2%
PT rev (1m)-5.76%
PT rev (3m)0.59%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)-0.11%
EPS NY rev (1m)1.34%
EPS NY rev (3m)8.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.69 | ||
| Fwd PE | 1.39 | ||
| P/S | 0.16 | ||
| P/FCF | 1.07 | ||
| P/OCF | 0.97 | ||
| P/B | 0.22 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | 1.26 |
EPS(TTM)14.43
EY59.07%
EPS(NY)17.54
Fwd EY71.78%
FCF(TTM)22.86
FCFY93.58%
OCF(TTM)25.13
OCFY102.86%
SpS149.64
BVpS112.27
TBVpS57.18
PEG (NY)0.07
PEG (5Y)0.09
Graham Number190.92
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
WACC7.27%
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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%344.47%
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%26.12%
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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 6 / 10 to IFC-PR-C.CA.
What is the valuation status for IFC-PR-C stock?
ChartMill assigns a valuation rating of 8 / 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 7 / 10.
What is the valuation of INTACT FINANCIAL CORP - IFCCN 3.457 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) is 1.69 and the Price/Book (PB) ratio is 0.22.
Can you provide the expected EPS growth for IFC-PR-C stock?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) is expected to grow by 24.83% in the next year.