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

TSX:IFC-PR-E • CA45823T8095

23.88 CAD
-0.05 (-0.21%)
Last: Feb 19, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

IFC-PR-E gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 76 industry peers in the Insurance industry. While IFC-PR-E is still in line with the averages on profitability rating, there are concerns on its financial health. IFC-PR-E has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • IFC-PR-E had positive earnings in the past year.
  • IFC-PR-E had a positive operating cash flow in the past year.
  • Of the past 5 years IFC-PR-E 4 years were profitable.
  • IFC-PR-E had a positive operating cash flow in 4 of the past 5 years.
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 1B 2B 3B 4B

1.2 Ratios

  • The Return On Assets of IFC-PR-E (4.73%) is better than 94.74% of its industry peers.
  • IFC-PR-E has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC-PR-E outperforms 92.11% of its industry peers.
  • The Return On Invested Capital of IFC-PR-E (6.85%) is better than 96.05% of its industry peers.
Industry RankSector 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
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 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 11.20%, IFC-PR-E is in line with its industry, outperforming 57.89% of the companies in the same industry.
  • IFC-PR-E's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 20.28%, IFC-PR-E is doing good in the industry, outperforming 73.68% of the companies in the same industry.
  • In the last couple of years the Operating Margin of IFC-PR-E has grown nicely.
Industry RankSector 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
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 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-E is destroying value.
  • There is no outstanding debt for IFC-PR-E. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
IFC-PR-E.CA Yearly Shares OutstandingIFC-PR-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 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 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 76.32% 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 of 0.27. This is comparable to the rest of the industry: IFC-PR-E outperforms 52.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC0.93
WACC7.36%
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 5B 10B 15B

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 1B 2B 3B 4B

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

3

3. Growth

3.1 Past

  • IFC-PR-E shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.03%, which is quite impressive.
  • Measured over the past years, IFC-PR-E shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.94% on average per year.
EPS 1Y (TTM)32.03%
EPS 3Y17.05%
EPS 5Y13.94%
EPS Q2Q%8.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.48%

3.2 Future

  • IFC-PR-E is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.48% yearly.
  • IFC-PR-E is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.49% yearly.
EPS Next Y-7.26%
EPS Next 2Y-0.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.92%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
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.
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 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 5 10 15

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • IFC-PR-E is valuated cheaply with a Price/Earnings ratio of 1.25.
  • Based on the Price/Earnings ratio, IFC-PR-E is valued cheaper than 94.74% of the companies in the same industry.
  • IFC-PR-E's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.09.
  • With a Price/Forward Earnings ratio of 1.35, the valuation of IFC-PR-E can be described as very cheap.
  • IFC-PR-E's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-E is cheaper than 96.05% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.98. IFC-PR-E is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.25
Fwd PE 1.35
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

  • 93.42% of the companies in the same industry are more expensive than IFC-PR-E, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-E indicates a rather cheap valuation: IFC-PR-E is cheaper than 93.42% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.04
EV/EBITDA 1.25
IFC-PR-E.CA Per share dataIFC-PR-E.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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-0.48%
EPS Next 3YN/A

More info and screens

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

4

5. Dividend

5.1 Amount

  • IFC-PR-E has a Yearly Dividend Yield of 2.26%.
  • IFC-PR-E's Dividend Yield is slightly below the industry average, which is at 3.93.
  • Compared to an average S&P500 Dividend Yield of 1.85, IFC-PR-E pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.26%

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
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 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • IFC-PR-E pays out 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y-0.48%
EPS Next 3YN/A
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 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

More info and screens

Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP - IFCCN 5.2 PERP

TSX:IFC-PR-E (2/19/2026, 7:00:00 PM)

23.88

-0.05 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.24B
Revenue(TTM)N/A
Net Income(TTM)2.98B
Analysts75.56
Price Target30.25 (26.68%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.26%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years7
Ex-DateN/A
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)6.41%
PT rev (3m)7.91%
EPS NQ rev (1m)0.69%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0.01%
EPS NY rev (3m)2.81%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 1.25
Fwd PE 1.35
P/S 0.16
P/FCF 1.04
P/OCF 0.95
P/B 0.21
P/tB 0.42
EV/EBITDA 1.25
EPS(TTM)19.05
EY79.77%
EPS(NY)17.67
Fwd EY73.99%
FCF(TTM)22.88
FCFY95.83%
OCF(TTM)25.15
OCFY105.33%
SpS149.79
BVpS112.38
TBVpS57.24
PEG (NY)N/A
PEG (5Y)0.09
Graham Number219.47
Profitability
Industry RankSector 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 RankSector 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
WACC7.36%
ROIC/WACC0.93
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)32.03%
EPS 3Y17.05%
EPS 5Y13.94%
EPS Q2Q%8.57%
EPS Next Y-7.26%
EPS Next 2Y-0.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.48%
Revenue Next Year5.92%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
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 for IFC-PR-E 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 6 / 10.


How financially healthy is INTACT FINANCIAL CORP - IFCCN 5.2 PERP?

The financial health rating of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is 3 / 10.


What is the earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 5.2 PERP?

The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is expected to decline by -7.26% in the next year.