INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-C - CA45823T6016
24.78 CAD
-0.06 (-0.24%)
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. 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. IFC-PR-C also has an excellent dividend rating.
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 91.25% of the companies in the same industry.
- IFC-PR-C has a better Return On Equity (14.93%) than 87.50% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 6.85%, IFC-PR-C belongs to the top of the industry, outperforming 92.50% of the companies in the same industry.
| 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 line with its industry, outperforming 56.25% of the companies in the same industry.
- 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 71.25% 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 | 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.
- The number of shares outstanding for IFC-PR-C has been increased compared to 5 years ago.
2.2 Solvency
- IFC-PR-C has a debt to FCF ratio of 1.34. This is a very positive value and a sign of high solvency as it would only need 1.34 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.34, IFC-PR-C is in the better half of the industry, outperforming 73.75% 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.
- The Debt to Equity ratio of IFC-PR-C (0.27) 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/WACC0.93
WACC7.38%
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 35.79%, which is quite impressive.
- 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.
- The Revenue has decreased by -1.02% 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)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 Y28.34%
EPS Next 2Y10.65%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 1.33, which indicates a rather cheap valuation of IFC-PR-C.
- Based on the Price/Earnings ratio, IFC-PR-C is valued cheaper than 91.25% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.87. IFC-PR-C is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 1.40, the valuation of IFC-PR-C can be described as very cheap.
- 92.50% of the companies in the same industry are more expensive than IFC-PR-C, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.96, IFC-PR-C is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.33 | ||
| 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 90.00% of the companies listed in the same industry.
- IFC-PR-C's Price/Free Cash Flow ratio is rather cheap when compared to the industry. IFC-PR-C is cheaper than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.08 | ||
| EV/EBITDA | 1.27 |
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.
- 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 2Y10.65%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.59%, IFC-PR-C is a good candidate for dividend investing.
- IFC-PR-C's Dividend Yield is rather good when compared to the industry average which is at 4.42. IFC-PR-C pays more dividend than 83.75% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, IFC-PR-C pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.59% |
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
- IFC-PR-C pays out 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.65%
EPS Next 3Y9.35%
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.
Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 3.457 PERP?
ChartMill assigns a valuation rating of 9 / 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 earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 3.457 PERP?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) is expected to grow by 28.34% in the next year.
How sustainable is the dividend of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) stock?
The dividend rating of INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) is 7 / 10 and the dividend payout ratio is 34.08%.