INTACT FINANCIAL CORP - IFCCN 3.457 PERP (IFC-PR-C.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-C - CA45823T6016
24.95 CAD
-0.04 (-0.16%)
Overall IFC-PR-C gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-C against 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. IFC-PR-C may be a bit undervalued, certainly considering the very reasonable score on growth 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.
- In the past year IFC-PR-C had a positive cash flow from operations.
- In the past 5 years IFC-PR-C has always been profitable.
- In the past 5 years IFC-PR-C always reported a positive cash flow from operatings.
1.2 Ratios
- IFC-PR-C's Return On Assets of 4.73% is amongst the best of the industry. IFC-PR-C outperforms 91.25% of its industry peers.
- Looking at the Return On Equity, with a value of 14.93%, IFC-PR-C belongs to the top of the industry, outperforming 88.75% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 6.85%, IFC-PR-C belongs to the best 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
- The Profit Margin of IFC-PR-C (11.20%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of IFC-PR-C has grown nicely.
- IFC-PR-C's Operating Margin of 20.28% is fine compared to the rest of the industry. IFC-PR-C outperforms 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
- 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 1.34, 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.
- IFC-PR-C's Debt to FCF ratio of 1.34 is fine compared to the rest of the industry. IFC-PR-C outperforms 73.75% of its industry peers.
- IFC-PR-C has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.27, IFC-PR-C is in line with its industry, outperforming 51.25% of the companies in the same 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.
- Looking at the last year, IFC-PR-C shows a decrease in Revenue. The Revenue has decreased by -1.02% in the last year.
- 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
- The Earnings Per Share is expected to grow by 9.35% 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 6.08% yearly.
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
- 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.
- 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 1.34, which indicates a rather cheap valuation of IFC-PR-C.
- 91.25% of the companies in the same industry are more expensive than IFC-PR-C, based on the Price/Earnings ratio.
- IFC-PR-C is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 1.41, which indicates a rather cheap valuation of IFC-PR-C.
- 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 24.26, IFC-PR-C is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.34 | ||
| Fwd PE | 1.41 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, IFC-PR-C is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, IFC-PR-C is valued cheaper than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.09 | ||
| EV/EBITDA | 1.28 |
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)0.05
PEG (5Y)0.07
EPS Next 2Y10.65%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.62%, IFC-PR-C is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.15, IFC-PR-C pays a better dividend. On top of this IFC-PR-C pays more dividend than 93.75% of the companies listed in the same industry.
- IFC-PR-C's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.62% |
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
- 34.08% of the earnings are spent on dividend by IFC-PR-C. This is a low number and 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%.