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INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) Stock Fundamental Analysis

TSX:IFC-PR-C - Toronto Stock Exchange - CA45823T6016 - Currency: CAD

20.03  -0.15 (-0.74%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to IFC-PR-C. IFC-PR-C was compared to 80 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-C.


Dividend Valuation Growth Profitability Health

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6

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.
Each year in the past 5 years IFC-PR-C has been profitable.
In the past 5 years IFC-PR-C always reported a positive cash flow from operatings.
IFC-PR-C.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-C.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

With an excellent Return On Assets value of 3.71%, IFC-PR-C belongs to the best of the industry, outperforming 85.00% of the companies in the same industry.
IFC-PR-C has a better Return On Equity (12.16%) than 82.50% of its industry peers.
With an excellent Return On Invested Capital value of 5.49%, IFC-PR-C belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
Industry RankSector Rank
ROA 3.71%
ROE 12.16%
ROIC 5.49%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
IFC-PR-C.CA Yearly ROA, ROE, ROICIFC-PR-C.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

Looking at the Profit Margin, with a value of 8.33%, IFC-PR-C is in line with its industry, outperforming 42.50% of the companies in the same industry.
IFC-PR-C's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 15.53%, IFC-PR-C is in line with its industry, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Operating Margin of IFC-PR-C has grown nicely.
Industry RankSector Rank
OM 15.53%
PM (TTM) 8.33%
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
IFC-PR-C.CA Yearly Profit, Operating, Gross MarginsIFC-PR-C.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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2

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.
IFC-PR-C has more shares outstanding than it did 5 years ago.
IFC-PR-C.CA Yearly Shares OutstandingIFC-PR-C.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2024 50M 100M 150M
IFC-PR-C.CA Yearly Total Debt VS Total AssetsIFC-PR-C.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2024 20B 40B 60B

2.2 Solvency

IFC-PR-C has a debt to FCF ratio of 1.85. This is a very positive value and a sign of high solvency as it would only need 1.85 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.85, 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 0.30 indicates that IFC-PR-C is not too dependend on debt financing.
IFC-PR-C has a Debt to Equity ratio of 0.30. This is comparable to the rest of the industry: IFC-PR-C outperforms 47.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.85
Altman-Z N/A
ROIC/WACC0.76
WACC7.26%
IFC-PR-C.CA Yearly LT Debt VS Equity VS FCFIFC-PR-C.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFC-PR-C.CA Yearly Current Assets VS Current LiabilitesIFC-PR-C.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2024 1B 2B 3B 4B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.54% 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.
Looking at the last year, IFC-PR-C shows a small growth in Revenue. The Revenue has grown by 3.16% 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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%16.82%
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%

3.2 Future

The Earnings Per Share is expected to grow by 9.40% on average over the next years. This is quite good.
IFC-PR-C is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.37% yearly.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
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.
IFC-PR-C.CA Yearly Revenue VS EstimatesIFC-PR-C.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B 25B
IFC-PR-C.CA Yearly EPS VS EstimatesIFC-PR-C.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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8

4. Valuation

4.1 Price/Earnings Ratio

IFC-PR-C is valuated cheaply with a Price/Earnings ratio of 1.39.
88.75% of the companies in the same industry are more expensive than IFC-PR-C, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.79. IFC-PR-C is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 1.21 indicates a rather cheap valuation of IFC-PR-C.
Based on the Price/Forward Earnings ratio, IFC-PR-C is valued cheaply inside the industry as 92.50% of the companies are valued more expensively.
IFC-PR-C is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.39
Fwd PE 1.21
IFC-PR-C.CA Price Earnings VS Forward Price EarningsIFC-PR-C.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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.
Based on the Price/Free Cash Flow ratio, IFC-PR-C is valued a bit cheaper than the industry average as 66.25% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.21
EV/EBITDA 1.61
IFC-PR-C.CA Per share dataIFC-PR-C.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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)0.09
PEG (5Y)0.07
EPS Next 2Y10.6%
EPS Next 3Y9.4%

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3

5. Dividend

5.1 Amount

IFC-PR-C has a Yearly Dividend Yield of 1.81%. Purely for dividend investing, there may be better candidates out there.
IFC-PR-C's Dividend Yield is slightly below the industry average, which is at 4.55.
IFC-PR-C's Dividend Yield is slightly below the S&P500 average, which is at 2.51.
Industry RankSector Rank
Dividend Yield 1.81%

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
IFC-PR-C.CA Yearly Dividends per shareIFC-PR-C.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

43.18% of the earnings are spent on dividend by IFC-PR-C. This is a bit on the high side, but may be sustainable.
DP43.18%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
IFC-PR-C.CA Yearly Income VS Free CF VS DividendIFC-PR-C.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
IFC-PR-C.CA Dividend Payout.IFC-PR-C.CA Dividend Payout, showing the Payout Ratio.IFC-PR-C.CA Dividend Payout.PayoutRetained Earnings

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INTACT FINANCIAL CORP - IFCCN 3.457 PERP

TSX:IFC-PR-C (4/25/2025, 7:00:00 PM)

20.03

-0.15 (-0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11 2025-02-11/amc
Earnings (Next)05-06 2025-05-06
Inst Owners54.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap3.57B
Analysts74.12
Price Target22.31 (11.38%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.81%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP43.18%
Div Incr Years0
Div Non Decr Years7
Ex-Date03-14 2025-03-14 (0.2160625)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)70.63%
Min EPS beat(2)13.21%
Max EPS beat(2)128.05%
EPS beat(4)4
Avg EPS beat(4)45.87%
Min EPS beat(4)5.69%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)30.5%
EPS beat(12)10
Avg EPS beat(12)22.8%
EPS beat(16)14
Avg EPS beat(16)26.14%
Revenue beat(2)0
Avg Revenue beat(2)-1.39%
Min Revenue beat(2)-2.19%
Max Revenue beat(2)-0.6%
Revenue beat(4)1
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)0.56%
Revenue beat(8)3
Avg Revenue beat(8)2.27%
Revenue beat(12)7
Avg Revenue beat(12)11.85%
Revenue beat(16)11
Avg Revenue beat(16)10.96%
PT rev (1m)-6.48%
PT rev (3m)-7.4%
EPS NQ rev (1m)-2.4%
EPS NQ rev (3m)-5.03%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-0.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.04%
Valuation
Industry RankSector Rank
PE 1.39
Fwd PE 1.21
P/S 0.13
P/FCF 1.21
P/OCF 1.05
P/B 0.2
P/tB 0.42
EV/EBITDA 1.61
EPS(TTM)14.43
EY72.04%
EPS(NY)16.56
Fwd EY82.7%
FCF(TTM)16.59
FCFY82.81%
OCF(TTM)18.99
OCFY94.82%
SpS148.6
BVpS101.76
TBVpS48.12
PEG (NY)0.09
PEG (5Y)0.07
Profitability
Industry RankSector Rank
ROA 3.71%
ROE 12.16%
ROCE 7.15%
ROIC 5.49%
ROICexc 5.61%
ROICexgc 7.63%
OM 15.53%
PM (TTM) 8.33%
GM N/A
FCFM 11.16%
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
ROICexcg growth 3Y18.12%
ROICexcg 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-ScoreN/A
Asset Turnover0.45
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.85
Debt/EBITDA 1.13
Cap/Depr 59.09%
Cap/Sales 1.62%
Interest Coverage 18.29
Cash Conversion 69.95%
Profit Quality 134.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC7.26%
ROIC/WACC0.76
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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%16.82%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
EBIT growth 1Y31.33%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y113.11%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y83.48%
OCF growth 3Y2.49%
OCF growth 5Y21.3%