INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-E - CA45823T8095
23.92 CAD
-0.14 (-0.58%)
IFC-PR-E gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 79 industry peers in the Insurance industry. IFC-PR-E has an excellent profitability rating, but there are concerns on its financial health. IFC-PR-E may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
IFC-PR-E had positive earnings in the past year.
In the past year IFC-PR-E had a positive cash flow from operations.
IFC-PR-E had positive earnings in each of the past 5 years.
IFC-PR-E had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-E has a better Return On Assets (4.73%) than 94.94% of its industry peers.
IFC-PR-E has a better Return On Equity (14.93%) than 89.87% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.85%, IFC-PR-E belongs to the top of the industry, outperforming 96.20% 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
IFC-PR-E has a Profit Margin of 11.20%. This is in the better half of the industry: IFC-PR-E outperforms 60.76% of its industry peers.
In the last couple of years the Profit Margin of IFC-PR-E has grown nicely.
IFC-PR-E has a better Operating Margin (20.28%) than 75.95% of its industry peers.
IFC-PR-E'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
IFC-PR-E 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-E has more shares outstanding
2.2 Solvency
IFC-PR-E 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-E is in the better half of the industry, outperforming 78.48% 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.
IFC-PR-E has a Debt to Equity ratio (0.27) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.95
WACC7.23%
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-E 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-E shows a decrease in Revenue. The Revenue has decreased by -1.02% in the last year.
IFC-PR-E shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.
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-E is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.35% yearly.
IFC-PR-E is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.08% yearly.
EPS Next Y28.32%
EPS Next 2Y10.67%
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.
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
A Price/Earnings ratio of 1.28 indicates a rather cheap valuation of IFC-PR-E.
Compared to the rest of the industry, the Price/Earnings ratio of IFC-PR-E indicates a rather cheap valuation: IFC-PR-E is cheaper than 92.41% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of IFC-PR-E to the average of the S&P500 Index (26.77), we can say IFC-PR-E is valued rather cheaply.
With a Price/Forward Earnings ratio of 1.35, the valuation of IFC-PR-E can be described as very cheap.
Based on the Price/Forward Earnings ratio, IFC-PR-E is valued cheaply inside the industry as 93.67% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.35. IFC-PR-E is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.28 | ||
| Fwd PE | 1.35 |
4.2 Price Multiples
91.14% of the companies in the same industry are more expensive than IFC-PR-E, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, IFC-PR-E is valued a bit cheaper than 70.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.05 | ||
| EV/EBITDA | 1.25 |
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-E has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.05
PEG (5Y)0.07
EPS Next 2Y10.67%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
IFC-PR-E has a Yearly Dividend Yield of 5.46%, which is a nice return.
Compared to an average industry Dividend Yield of 4.35, IFC-PR-E pays a bit more dividend than its industry peers.
IFC-PR-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.46% |
5.2 History
IFC-PR-E has been paying a dividend for over 5 years, so it has already some track record.
As IFC-PR-E 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-E. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.67%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 5.2 PERP
TSX:IFC-PR-E (12/29/2025, 7:00:00 PM)
23.92
-0.14 (-0.58%)
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 Cap4.25B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target28.43 (18.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.46% |
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)2.83%
PT rev (3m)-2.02%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)0.77%
EPS NY rev (1m)2.8%
EPS NY rev (3m)4.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.28 | ||
| Fwd PE | 1.35 | ||
| P/S | 0.16 | ||
| P/FCF | 1.05 | ||
| P/OCF | 0.95 | ||
| P/B | 0.21 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 1.25 |
EPS(TTM)18.63
EY77.88%
EPS(NY)17.67
Fwd EY73.88%
FCF(TTM)22.88
FCFY95.64%
OCF(TTM)25.14
OCFY105.12%
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
WACC7.23%
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 Y28.32%
EPS Next 2Y10.67%
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 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 28.32% in the next year.