INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-E - CA45823T8095
24.23 CAD
+0 (+0.02%)
We assign a fundamental rating of 5 out of 10 to IFC-PR-E. IFC-PR-E was compared to 81 industry peers in the Insurance industry. IFC-PR-E has an excellent profitability rating, but there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-E.
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-E was profitable.
IFC-PR-E had a positive operating cash flow in the past year.
In the past 5 years IFC-PR-E has always been profitable.
In the past 5 years IFC-PR-E always reported a positive cash flow from operatings.
1.2 Ratios
IFC-PR-E's Return On Assets of 4.73% is amongst the best of the industry. IFC-PR-E outperforms 96.30% of its industry peers.
The Return On Equity of IFC-PR-E (14.93%) is better than 92.59% of its industry peers.
IFC-PR-E has a better Return On Invested Capital (6.85%) than 96.30% 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
With a decent Profit Margin value of 11.20%, IFC-PR-E is doing good in the industry, outperforming 61.73% of the companies in the same industry.
In the last couple of years the Profit Margin of IFC-PR-E has grown nicely.
The Operating Margin of IFC-PR-E (20.28%) is better than 76.54% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-E 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-E is destroying value.
Compared to 5 years ago, IFC-PR-E has more shares outstanding
2.2 Solvency
The Debt to FCF ratio of IFC-PR-E is 1.34, which is an excellent value as it means it would take IFC-PR-E, 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-E is in the better half of the industry, outperforming 79.01% of the companies in the same industry.
IFC-PR-E has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of IFC-PR-E (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
WACC7.21%
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.
IFC-PR-E shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
Looking at the last year, IFC-PR-E 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
Based on estimates for the next years, IFC-PR-E will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.44% on average per year.
The Revenue is expected to grow by 5.86% on average over the next years.
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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 1.30, which indicates a rather cheap valuation of IFC-PR-E.
Based on the Price/Earnings ratio, IFC-PR-E is valued cheaper than 93.83% of the companies in the same industry.
IFC-PR-E is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 1.38, which indicates a rather cheap valuation of IFC-PR-E.
Based on the Price/Forward Earnings ratio, IFC-PR-E is valued cheaply inside the industry as 95.06% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 36.10. IFC-PR-E is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.3 | ||
| Fwd PE | 1.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-E is valued cheaper than 92.59% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-E indicates a somewhat cheap valuation: IFC-PR-E is cheaper than 71.60% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.06 | ||
| EV/EBITDA | 1.26 |
4.3 Compensation for Growth
IFC-PR-E's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
IFC-PR-E has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.05
PEG (5Y)0.07
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.43%, IFC-PR-E is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.32, IFC-PR-E has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, IFC-PR-E pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
5.2 History
IFC-PR-E has been paying a dividend for over 5 years, so it has already some track record.
IFC-PR-E 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
34.08% of the earnings are spent on dividend by IFC-PR-E. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
INTACT FINANCIAL CORP - IFCCN 5.2 PERP
TSX:IFC-PR-E (12/4/2025, 7:00:00 PM)
24.23
+0 (+0.02%)
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 Cap4.31B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target27.65 (14.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
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)4
Avg Revenue beat(12)-0.12%
Revenue beat(16)8
Avg Revenue beat(16)7.07%
PT rev (1m)-8.95%
PT rev (3m)-4.57%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)1.34%
EPS NY rev (3m)1.16%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.3 | ||
| Fwd PE | 1.38 | ||
| P/S | 0.16 | ||
| P/FCF | 1.06 | ||
| P/OCF | 0.96 | ||
| P/B | 0.22 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 1.26 |
EPS(TTM)18.63
EY76.89%
EPS(NY)17.54
Fwd EY72.37%
FCF(TTM)22.88
FCFY94.42%
OCF(TTM)25.14
OCFY103.78%
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
WACC7.21%
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 Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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 5.2 PERP / IFC-PR-E.CA FAQ
Can you provide the ChartMill fundamental rating for INTACT FINANCIAL CORP - IFCCN 5.2 PERP?
ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-E.CA.
What is the valuation status of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) stock?
ChartMill assigns a valuation rating of 8 / 10 to INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA). This can be considered as Undervalued.
Can you provide the profitability details for INTACT FINANCIAL CORP - IFCCN 5.2 PERP?
INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) has a profitability rating of 7 / 10.
What is the financial health of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) stock?
The financial health rating of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is 2 / 10.
What is the expected EPS growth for INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) stock?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is expected to grow by 24.83% in the next year.