INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-C - CA45823T6016
23.64 CAD
+0.09 (+0.38%)
Overall IFC-PR-C gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-C against 80 industry peers in the Insurance industry. IFC-PR-C scores excellent on profitability, but 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.
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-C was profitable.
IFC-PR-C had a positive operating cash flow in the past year.
Each year in the past 5 years IFC-PR-C has been profitable.
IFC-PR-C had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.73%, IFC-PR-C belongs to the top of the industry, outperforming 96.25% of the companies in the same industry.
Looking at the Return On Equity, with a value of 14.93%, IFC-PR-C belongs to the top of the industry, outperforming 92.50% of the companies in the same industry.
IFC-PR-C has a Return On Invested Capital of 6.85%. This is amongst the best in the industry. IFC-PR-C outperforms 96.25% 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 the better half of the industry, outperforming 61.25% of the companies in the same industry.
IFC-PR-C's Profit Margin has improved in the last couple of years.
IFC-PR-C has a Operating Margin of 20.28%. This is in the better half of the industry: IFC-PR-C outperforms 76.25% 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.
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.
With a decent Debt to FCF ratio value of 1.34, IFC-PR-C is doing good in the industry, outperforming 78.75% of the companies in the same industry.
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 comparable to the rest of the industry: IFC-PR-C outperforms 56.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.95
WACC7.2%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 35.79% over the past year.
Measured over the past years, IFC-PR-C shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
IFC-PR-C shows a decrease in Revenue. In the last year, the revenue decreased by -1.02%.
Measured over the past years, IFC-PR-C shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.
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
Based on estimates for the next years, IFC-PR-C will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.44% on average per year.
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
IFC-PR-C is valuated cheaply with a Price/Earnings ratio of 1.27.
IFC-PR-C's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-C is cheaper than 93.75% of the companies in the same industry.
When comparing the Price/Earnings ratio of IFC-PR-C to the average of the S&P500 Index (25.65), we can say IFC-PR-C is valued rather cheaply.
A Price/Forward Earnings ratio of 1.35 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 95.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.45. IFC-PR-C is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.27 | ||
| Fwd PE | 1.35 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-C is valued cheaper than 92.50% 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 71.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.03 | ||
| EV/EBITDA | 1.24 |
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)0.05
PEG (5Y)0.07
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
IFC-PR-C has a Yearly Dividend Yield of 5.49%, which is a nice return.
Compared to an average industry Dividend Yield of 4.36, IFC-PR-C has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, IFC-PR-C pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
5.2 History
IFC-PR-C has paid a dividend for at least 10 years, which is 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 (11/21/2025, 7:00:00 PM)
23.64
+0.09 (+0.38%)
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 Cap4.20B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target28.56 (20.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years7
Ex-Date
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)-5.76%
PT rev (3m)-0.19%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)1.34%
EPS NY rev (3m)1.16%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.27 | ||
| Fwd PE | 1.35 | ||
| P/S | 0.16 | ||
| P/FCF | 1.03 | ||
| P/OCF | 0.94 | ||
| P/B | 0.21 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | 1.24 |
EPS(TTM)18.63
EY78.81%
EPS(NY)17.54
Fwd EY74.18%
FCF(TTM)22.88
FCFY96.77%
OCF(TTM)25.14
OCFY106.37%
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
WACC7.2%
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 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%6.54%
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 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 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 1.27 and the Price/Book (PB) ratio is 0.21.
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.