INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-C - CA45823T6016
24.53 CAD
-0.07 (-0.28%)
IFC-PR-C gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-C while its profitability can be described as average. 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.
In the past 5 years IFC-PR-C has always been profitable.
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 3.82%. This is amongst the best in the industry. IFC-PR-C outperforms 82.72% of its industry peers.
With a decent Return On Equity value of 12.11%, IFC-PR-C is doing good in the industry, outperforming 70.37% of the companies in the same industry.
With an excellent Return On Invested Capital value of 5.87%, IFC-PR-C belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
| 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
With a Profit Margin value of 8.61%, IFC-PR-C perfoms like the industry average, outperforming 40.74% of the companies in the same industry.
IFC-PR-C's Profit Margin has improved in the last couple of years.
The Operating Margin of IFC-PR-C (16.63%) is better than 72.84% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-C has grown nicely.
| 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
IFC-PR-C has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 1.55, which is an excellent value as it means it would take IFC-PR-C, only 1.55 years of fcf income to pay off all of its debts.
IFC-PR-C has a better Debt to FCF ratio (1.55) than 64.20% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that IFC-PR-C is not too dependend on debt financing.
The Debt to Equity ratio of IFC-PR-C (0.28) is comparable to the rest of the industry.
| 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
The Earnings Per Share has been growing slightly by 2.50% 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 been growing slightly by 4.15% in the past 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 9.32% on average over the next years. This is quite good.
IFC-PR-C is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.88% yearly.
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.62 indicates a rather cheap valuation of IFC-PR-C.
Based on the Price/Earnings ratio, IFC-PR-C is valued cheaper than 91.36% 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 (25.83), we can say IFC-PR-C is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 1.40, the valuation of IFC-PR-C can be described as very cheap.
IFC-PR-C's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-C is cheaper than 91.36% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of IFC-PR-C to the average of the S&P500 Index (32.68), we can say IFC-PR-C is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.62 | ||
| Fwd PE | 1.4 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IFC-PR-C indicates a rather cheap valuation: IFC-PR-C is cheaper than 88.89% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-C is valued a bit cheaper than the industry average as 67.90% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.24 | ||
| EV/EBITDA | 1.55 |
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)0.07
PEG (5Y)0.09
EPS Next 2Y10.19%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
IFC-PR-C has a Yearly Dividend Yield of 5.55%, which is a nice return.
IFC-PR-C's Dividend Yield is rather good when compared to the industry average which is at 3.90. IFC-PR-C pays more dividend than 93.83% 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 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
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 42.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
INTACT FINANCIAL CORP - IFCCN 3.457 PERP
TSX:IFC-PR-C (11/7/2025, 7:00:00 PM)
24.53
-0.07 (-0.28%)
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 Cap4.36B
Revenue(TTM)27.03B
Net Income(TTM)2.33B
Analysts73.33
Price Target29.79 (21.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
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)4.38%
PT rev (3m)10.98%
EPS NQ rev (1m)6.42%
EPS NQ rev (3m)4.65%
EPS NY rev (1m)0%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.62 | ||
| Fwd PE | 1.4 | ||
| P/S | 0.16 | ||
| P/FCF | 1.24 | ||
| P/OCF | 1.12 | ||
| P/B | 0.23 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | 1.55 |
EPS(TTM)15.18
EY61.88%
EPS(NY)17.52
Fwd EY71.42%
FCF(TTM)19.74
FCFY80.47%
OCF(TTM)21.91
OCFY89.3%
SpS152
BVpS108.07
TBVpS53.75
PEG (NY)0.07
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 Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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 1.62 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 23.17% in the next year.