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 82 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. IFC-PR-C may be a bit undervalued, certainly considering the very reasonable score on growth

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1. Profitability

1.1 Basic Checks

In the past year IFC-PR-C was profitable.

In the past year IFC-PR-C had a positive cash flow from operations.

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

The Return On Assets of IFC-PR-C (4.73%) is better than 92.68% of its industry peers.

IFC-PR-C has a better Return On Equity (14.93%) than 87.80% of its industry peers.

IFC-PR-C has a Return On Invested Capital of 6.85%. This is amongst the best in the industry. IFC-PR-C outperforms 93.90% 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 has a Profit Margin of 11.20%. This is comparable to the rest of the industry: IFC-PR-C outperforms 58.54% of its industry peers.

IFC-PR-C's Profit Margin has improved in the last couple of years.

Looking at the Operating Margin, with a value of 20.28%, IFC-PR-C is in the better half of the industry, outperforming 73.17% 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

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 75.61% 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 (0.27) which 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

WACC7.21%

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

IFC-PR-C shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.79%, which is quite impressive.

The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.

IFC-PR-C shows a decrease in Revenue. In the last year, the revenue decreased by -1.02%.

The Revenue has been growing by 18.42% on average over the past years. This is quite good.

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

The Earnings Per Share is expected to grow by 9.35% on average over the next years. This is quite good.

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 Y28.27%

EPS Next 2Y10.61%

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

A Price/Earnings ratio of 1.32 indicates a rather cheap valuation of IFC-PR-C.

Based on the Price/Earnings ratio, IFC-PR-C is valued cheaper than 90.24% of the companies in the same industry.

IFC-PR-C's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.54.

The Price/Forward Earnings ratio is 1.39, which indicates a rather cheap valuation of IFC-PR-C.

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 91.46% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.78. IFC-PR-C is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	1.32
Fwd PE	1.39

4.2 Price Multiples

90.24% of the companies in the same industry are more expensive than IFC-PR-C, based on the Enterprise Value to EBITDA ratio.

Based on the Price/Free Cash Flow ratio, IFC-PR-C is valued a bit cheaper than 68.29% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	1.07
EV/EBITDA	1.27

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-C has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)0.05

PEG (5Y)0.07

EPS Next 2Y10.61%

EPS Next 3Y9.35%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.44%, IFC-PR-C is a good candidate for dividend investing.

IFC-PR-C's Dividend Yield is comparable with the industry average which is at 3.73.

Compared to an average S&P500 Dividend Yield of 1.96, IFC-PR-C pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.44%

5.2 History

IFC-PR-C has paid a dividend for at least 10 years, which is 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 2Y10.61%

EPS Next 3Y9.35%

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INTACT FINANCIAL CORP - IFCCN 3.457 PERP

TSX:IFC-PR-C (12/12/2025, 7:00:00 PM)

24.57

-0.02 (-0.08%)

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 Owners46.49%

Inst Owner ChangeN/A

Ins Owners0.33%

Ins Owner ChangeN/A

Market Cap4.37B

Revenue(TTM)26.61B

Net Income(TTM)2.98B

Analysts75.56

Price Target28.75 (17.01%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.44%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP34.08%

Div Incr Years0

Div Non Decr Years7

Ex-Date12-17 2025-12-17 (0.2160625)

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)-3.49%

PT rev (3m)-1.55%

EPS NQ rev (1m)0.57%

EPS NQ rev (3m)0.59%

EPS NY rev (1m)2.76%

EPS NY rev (3m)3.95%

Revenue NQ rev (1m)0.28%

Revenue NQ rev (3m)0.28%

Revenue NY rev (1m)0.4%

Revenue NY rev (3m)0.27%

Valuation

		Industry Rank	Sector Rank
PE	1.32
Fwd PE	1.39
P/S	0.16
P/FCF	1.07
P/OCF	0.98
P/B	0.22
P/tB	0.43
EV/EBITDA	1.27

EPS(TTM)18.63

EY75.82%

EPS(NY)17.66

Fwd EY71.86%

FCF(TTM)22.88

FCFY93.11%

OCF(TTM)25.14

OCFY102.34%

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

WACC7.21%

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 Y28.27%

EPS Next 2Y10.61%

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.

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 6 / 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 1.32 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 28.27% in the next year.

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?

What is the valuation status for IFC-PR-C stock?

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

What is the valuation of INTACT FINANCIAL CORP - IFCCN 3.457 PERP based on its PE and PB ratios?

Can you provide the expected EPS growth for IFC-PR-C stock?