INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Fundamental Analysis & Valuation

TSX:IFC-PR-E • CA45823T8095

Current stock price

23.2 CAD
+0.15 (+0.65%)
Last:

This IFC-PR-E.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. IFC-PR-E.CA Profitability Analysis

1.1 Basic Checks

  • In the past year IFC-PR-E was profitable.
  • In the past year IFC-PR-E had a positive cash flow from operations.
  • Each year in the past 5 years IFC-PR-E has been profitable.
  • Each year in the past 5 years IFC-PR-E had a positive operating cash flow.
IFC-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-E.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • IFC-PR-E has a better Return On Assets (5.21%) than 94.94% of its industry peers.
  • The Return On Equity of IFC-PR-E (15.72%) is better than 89.87% of its industry peers.
  • IFC-PR-E's Return On Invested Capital of 7.52% is amongst the best of the industry. IFC-PR-E outperforms 93.67% of its industry peers.
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROIC 7.52%
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-E.CA Yearly ROA, ROE, ROICIFC-PR-E.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 12.01%, IFC-PR-E is doing good in the industry, outperforming 75.95% of the companies in the same industry.
  • IFC-PR-E's Profit Margin has improved in the last couple of years.
  • IFC-PR-E's Operating Margin of 21.11% is fine compared to the rest of the industry. IFC-PR-E outperforms 73.42% of its industry peers.
  • In the last couple of years the Operating Margin of IFC-PR-E has grown nicely.
Industry RankSector Rank
OM 21.11%
PM (TTM) 12.01%
GM N/A
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
IFC-PR-E.CA Yearly Profit, Operating, Gross MarginsIFC-PR-E.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. IFC-PR-E.CA Health Analysis

2.1 Basic Checks

  • IFC-PR-E has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • IFC-PR-E has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for IFC-PR-E has been increased compared to 5 years ago.
  • IFC-PR-E has a better debt/assets ratio than last year.
IFC-PR-E.CA Yearly Shares OutstandingIFC-PR-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 2025 50M 100M 150M
IFC-PR-E.CA Yearly Total Debt VS Total AssetsIFC-PR-E.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2024 2025 20B 40B 60B

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.
  • With a decent Debt to FCF ratio value of 1.34, IFC-PR-E is doing good in the industry, outperforming 74.68% of the companies in the same industry.
  • A Debt/Equity ratio of 0.25 indicates that IFC-PR-E is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.25, IFC-PR-E belongs to the best of the industry, outperforming 86.08% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1.35
WACC5.55%
IFC-PR-E.CA Yearly LT Debt VS Equity VS FCFIFC-PR-E.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFC-PR-E.CA Yearly Current Assets VS Current LiabilitesIFC-PR-E.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. IFC-PR-E.CA Growth Analysis

3.1 Past

  • IFC-PR-E shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.06%, which is quite impressive.
  • IFC-PR-E shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.12% yearly.
  • Looking at the last year, IFC-PR-E shows a small growth in Revenue. The Revenue has grown by 2.93% in the last year.
  • The Revenue has been growing by 16.74% on average over the past years. This is quite good.
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%

3.2 Future

  • The Earnings Per Share is expected to grow by 0.85% on average over the next years.
  • Based on estimates for the next years, IFC-PR-E will show a small growth in Revenue. The Revenue will grow by 6.81% on average per year.
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
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.
IFC-PR-E.CA Yearly Revenue VS EstimatesIFC-PR-E.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
IFC-PR-E.CA Yearly EPS VS EstimatesIFC-PR-E.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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8

4. IFC-PR-E.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 1.21, the valuation of IFC-PR-E can be described as very cheap.
  • Based on the Price/Earnings ratio, IFC-PR-E is valued cheaply inside the industry as 93.67% of the companies are valued more expensively.
  • IFC-PR-E's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • A Price/Forward Earnings ratio of 1.31 indicates a rather cheap valuation of IFC-PR-E.
  • IFC-PR-E's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-E is cheaper than 94.94% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.84, IFC-PR-E is valued rather cheaply.
Industry RankSector Rank
PE 1.21
Fwd PE 1.31
IFC-PR-E.CA Price Earnings VS Forward Price EarningsIFC-PR-E.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 93.67% 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 cheaply inside the industry as 93.67% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.05
EV/EBITDA 1.2
IFC-PR-E.CA Per share dataIFC-PR-E.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The decent profitability rating of IFC-PR-E may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.09
EPS Next 2Y-0.58%
EPS Next 3Y0.85%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. IFC-PR-E.CA Dividend Analysis

5.1 Amount

  • IFC-PR-E has a Yearly Dividend Yield of 2.36%.
  • Compared to an average industry Dividend Yield of 3.82, IFC-PR-E is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.88, IFC-PR-E pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.36%

5.2 History

  • The dividend of IFC-PR-E is nicely growing with an annual growth rate of 15.73%!
  • IFC-PR-E has paid a dividend for at least 10 years, which is a reliable 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)15.73%
Div Incr Years0
Div Non Decr Years7
IFC-PR-E.CA Yearly Dividends per shareIFC-PR-E.CA Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 31.66% of the earnings are spent on dividend by IFC-PR-E. This is a low number and sustainable payout ratio.
  • IFC-PR-E's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.66%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
IFC-PR-E.CA Yearly Income VS Free CF VS DividendIFC-PR-E.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
IFC-PR-E.CA Dividend Payout.IFC-PR-E.CA Dividend Payout, showing the Payout Ratio.IFC-PR-E.CA Dividend Payout.PayoutRetained Earnings

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IFC-PR-E.CA Fundamentals: All Metrics, Ratios and Statistics

INTACT FINANCIAL CORP - IFCCN 5.2 PERP

TSX:IFC-PR-E (4/1/2026, 7:00:00 PM)

23.2

+0.15 (+0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners45.24%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.11B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target29.69 (27.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.36%
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr Years0
Div Non Decr Years7
Ex-Date03-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)7.9%
Max EPS beat(2)16.68%
EPS beat(4)4
Avg EPS beat(4)16.77%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)31.32%
EPS beat(12)11
Avg EPS beat(12)25.92%
EPS beat(16)14
Avg EPS beat(16)21.3%
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.39%
Revenue beat(16)7
Avg Revenue beat(16)6.71%
PT rev (1m)0%
PT rev (3m)4.45%
EPS NQ rev (1m)1.27%
EPS NQ rev (3m)1.39%
EPS NY rev (1m)0.4%
EPS NY rev (3m)0.38%
Revenue NQ rev (1m)6.1%
Revenue NQ rev (3m)5.55%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 1.21
Fwd PE 1.31
P/S 0.15
P/FCF 1.05
P/OCF 0.94
P/B 0.2
P/tB 0.37
EV/EBITDA 1.2
EPS(TTM)19.2
EY82.76%
EPS(NY)17.74
Fwd EY76.46%
FCF(TTM)22.17
FCFY95.55%
OCF(TTM)24.74
OCFY106.65%
SpS153.81
BVpS117.49
TBVpS62.29
PEG (NY)N/A
PEG (5Y)0.09
Graham Number225.29
Profitability
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROCE 9.51%
ROIC 7.52%
ROICexc 7.69%
ROICexgc 10.29%
OM 21.11%
PM (TTM) 12.01%
GM N/A
FCFM 14.41%
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 3Y15.83%
ROICexgc growth 5Y12.36%
ROICexc growth 3Y16.69%
ROICexc growth 5Y11.57%
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Debt/EBITDA 0.8
Cap/Depr 57.34%
Cap/Sales 1.68%
Interest Coverage 25.37
Cash Conversion 66.94%
Profit Quality 120.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC5.55%
ROIC/WACC1.35
Cap/Depr(3y)64.38%
Cap/Depr(5y)67.42%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.77%
Profit Quality(3y)122.24%
Profit Quality(5y)128.87%
High Growth Momentum
Growth
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
Revenue Next 5YN/A
EBIT growth 1Y39.89%
EBIT growth 3Y22.87%
EBIT growth 5Y26.22%
EBIT Next Year8.2%
EBIT Next 3Y5.94%
EBIT Next 5YN/A
FCF growth 1Y32.89%
FCF growth 3Y6.5%
FCF growth 5Y12.42%
OCF growth 1Y29.55%
OCF growth 3Y6.19%
OCF growth 5Y13.28%

INTACT FINANCIAL CORP - IFCCN 5.2 PERP / IFC-PR-E.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for INTACT FINANCIAL CORP - IFCCN 5.2 PERP?

ChartMill assigns a fundamental rating of 6 / 10 to IFC-PR-E.CA.


Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 5.2 PERP?

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.


What is the profitability of IFC-PR-E stock?

INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) has a profitability rating of 7 / 10.


Can you provide the expected EPS growth for IFC-PR-E stock?

The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is expected to decline by -7.61% in the next year.


Can you provide the dividend sustainability for IFC-PR-E stock?

The dividend rating of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is 5 / 10 and the dividend payout ratio is 31.66%.