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%)
IFC-PR-C 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-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.
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.
In the past 5 years IFC-PR-C always reported a positive cash flow from operatings.
1.2 Ratios
IFC-PR-C has a Return On Assets of 3.82%. This is amongst the best in the industry. IFC-PR-C outperforms 83.75% of its industry peers.
With a decent Return On Equity value of 12.11%, IFC-PR-C is doing good in the industry, outperforming 72.50% of the companies in the same industry.
IFC-PR-C's Return On Invested Capital of 5.87% is amongst the best of the industry. IFC-PR-C outperforms 92.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROIC | 5.87% |
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 8.61%. This is comparable to the rest of the industry: IFC-PR-C outperforms 41.25% of its industry peers.
In the last couple of years the Profit Margin of IFC-PR-C has grown nicely.
Looking at the Operating Margin, with a value of 16.63%, IFC-PR-C is in the better half of the industry, outperforming 72.50% 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 | 16.63% | ||
| PM (TTM) | 8.61% | ||
| 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
IFC-PR-C has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.55, IFC-PR-C is in the better half of the industry, outperforming 65.00% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that IFC-PR-C is not too dependend on debt financing.
IFC-PR-C has a Debt to Equity ratio (0.28) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.81
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 small growth in Earnings Per Share. In the last year, the EPS has grown by 2.50%.
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.
Looking at the last year, IFC-PR-C shows a small growth in Revenue. The Revenue has grown by 4.15% in the last year.
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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
3.2 Future
The Earnings Per Share is expected to grow by 9.44% 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 5.86% on average per year.
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
With a Price/Earnings ratio of 1.61, the valuation of IFC-PR-C can be described as very cheap.
91.25% of the companies in the same industry are more expensive than IFC-PR-C, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of IFC-PR-C to the average of the S&P500 Index (25.91), we can say IFC-PR-C is valued rather cheaply.
A Price/Forward Earnings ratio of 1.39 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 91.25% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.57, IFC-PR-C is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.61 | ||
| Fwd PE | 1.39 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-C is valued cheaply inside the industry as 88.75% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-C indicates a somewhat cheap valuation: IFC-PR-C is cheaper than 67.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.24 | ||
| EV/EBITDA | 1.54 |
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)0.06
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 1.98%.
With a Dividend Yield of 1.98, IFC-PR-C pays less dividend than the industry average, which is at 3.67. 85.00% of the companies listed in the same industry pay a better dividend than IFC-PR-C!
IFC-PR-C's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.98% |
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
42.76% of the earnings are spent on dividend by IFC-PR-C. This is a bit on the high side, but may be sustainable.
DP42.76%
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)27.03B
Net Income(TTM)2.33B
Analysts75.56
Price Target28.56 (16.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.98% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.25%
Min EPS beat(2)12.33%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)45.94%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)8
Avg EPS beat(8)36.37%
EPS beat(12)10
Avg EPS beat(12)24.32%
EPS beat(16)14
Avg EPS beat(16)26.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.38%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-1.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)-0.6%
Revenue beat(8)1
Avg Revenue beat(8)-1.81%
Revenue beat(12)5
Avg Revenue beat(12)4.41%
Revenue beat(16)9
Avg Revenue beat(16)9.29%
PT rev (1m)-5.76%
PT rev (3m)6.39%
EPS NQ rev (1m)6.42%
EPS NQ rev (3m)6.71%
EPS NY rev (1m)1.34%
EPS NY rev (3m)8.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.61 | ||
| Fwd PE | 1.39 | ||
| P/S | 0.16 | ||
| P/FCF | 1.24 | ||
| P/OCF | 1.12 | ||
| P/B | 0.23 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | 1.54 |
EPS(TTM)15.18
EY62.14%
EPS(NY)17.54
Fwd EY71.78%
FCF(TTM)19.74
FCFY80.8%
OCF(TTM)21.91
OCFY89.67%
SpS152
BVpS108.07
TBVpS53.75
PEG (NY)0.06
PEG (5Y)0.09
Graham Number192.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROCE | 7.64% | ||
| ROIC | 5.87% | ||
| ROICexc | 6.03% | ||
| ROICexgc | 8.19% | ||
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| GM | N/A | ||
| FCFM | 12.99% |
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 Turnover0.44
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | 1.03 | ||
| Cap/Depr | 50.2% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | 19.8 | ||
| Cash Conversion | 74.02% | ||
| Profit Quality | 150.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.27%
ROIC/WACC0.81
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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
EBIT Next 5YN/A
FCF growth 1Y65.8%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y52.33%
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 1.61 and the Price/Book (PB) ratio is 0.23.
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.