INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-C - CA45823T6016
24.72 CAD
+0.07 (+0.28%)
Taking everything into account, IFC-PR-C scores 5 out of 10 in our fundamental rating. IFC-PR-C was compared to 82 industry peers in the Insurance industry. IFC-PR-C has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFC-PR-C is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
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 92.68% of the companies in the same industry.
IFC-PR-C has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC-PR-C outperforms 87.80% of its industry peers.
IFC-PR-C's Return On Invested Capital of 6.85% is amongst the best of 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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
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.
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 75.61% 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/WACC0.95
WACC7.22%
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%.
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
IFC-PR-C is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.35% yearly.
The Revenue is expected to grow by 6.08% on average over the next years.
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.
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
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 cheaply inside the industry as 90.24% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.34, IFC-PR-C is valued rather cheaply.
IFC-PR-C is valuated cheaply with a Price/Forward Earnings ratio of 1.40.
Based on the Price/Forward Earnings ratio, IFC-PR-C is valued cheaply inside the industry as 91.46% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of IFC-PR-C to the average of the S&P500 Index (23.56), we can say IFC-PR-C is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.33 | ||
| Fwd PE | 1.4 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-C is valued cheaply inside the industry as 89.02% 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 68.29% of the companies listed 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.
The decent profitability rating of IFC-PR-C may justify a higher PE ratio.
PEG (NY)0.05
PEG (5Y)0.07
EPS Next 2Y10.61%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.37%, 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 4.30.
IFC-PR-C's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.37% |
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%
INTACT FINANCIAL CORP - IFCCN 3.457 PERP
TSX:IFC-PR-C (12/8/2025, 7:00:00 PM)
24.72
+0.07 (+0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.49%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.39B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target28.75 (16.3%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.37% |
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)-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 | 1.33 | ||
| Fwd PE | 1.4 | ||
| P/S | 0.17 | ||
| P/FCF | 1.08 | ||
| P/OCF | 0.98 | ||
| P/B | 0.22 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | 1.27 |
EPS(TTM)18.63
EY75.36%
EPS(NY)17.66
Fwd EY71.42%
FCF(TTM)22.88
FCFY92.54%
OCF(TTM)25.14
OCFY101.72%
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
WACC7.22%
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 1.33 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.