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

TSX:IFC-PR-E - Toronto Stock Exchange - CA45823T8095 - Currency: CAD

22.36  -0.09 (-0.4%)

Fundamental Rating

5

Taking everything into account, IFC-PR-E scores 5 out of 10 in our fundamental rating. IFC-PR-E was compared to 80 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-E while its profitability can be described as average. IFC-PR-E scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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6

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.
In the past 5 years IFC-PR-E has always been profitable.
IFC-PR-E had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

The Return On Assets of IFC-PR-E (3.71%) is better than 81.25% of its industry peers.
Looking at the Return On Equity, with a value of 12.16%, IFC-PR-E is in the better half of the industry, outperforming 78.75% of the companies in the same industry.
The Return On Invested Capital of IFC-PR-E (5.49%) is better than 86.25% of its industry peers.
Industry RankSector Rank
ROA 3.71%
ROE 12.16%
ROIC 5.49%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

IFC-PR-E has a Profit Margin of 8.33%. This is in the lower half of the industry: IFC-PR-E underperforms 61.25% of its industry peers.
IFC-PR-E's Profit Margin has improved in the last couple of years.
IFC-PR-E has a Operating Margin of 15.53%. This is comparable to the rest of the industry: IFC-PR-E outperforms 46.25% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-E has grown nicely.
Industry RankSector Rank
OM 15.53%
PM (TTM) 8.33%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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2

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.
The number of shares outstanding for IFC-PR-E has been increased compared to 5 years ago.
IFC-PR-E.CA Yearly Shares OutstandingIFC-PR-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2024 20B 40B 60B

2.2 Solvency

IFC-PR-E has a debt to FCF ratio of 1.85. This is a very positive value and a sign of high solvency as it would only need 1.85 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.85, IFC-PR-E is doing good in the industry, outperforming 70.00% of the companies in the same industry.
IFC-PR-E has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.30, IFC-PR-E is in line with its industry, outperforming 43.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.85
Altman-Z N/A
ROIC/WACC0.76
WACC7.19%
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2024 1B 2B 3B 4B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.54% 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 small growth in Revenue. The Revenue has grown by 3.16% 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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%16.82%
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%

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 9.40% on average per year.
IFC-PR-E is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.37% yearly.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
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.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 1.55 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 85.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 28.79. IFC-PR-E is valued rather cheaply when compared to this.
IFC-PR-E is valuated cheaply with a Price/Forward Earnings ratio of 1.35.
IFC-PR-E's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-E is cheaper than 88.75% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, IFC-PR-E is valued rather cheaply.
Industry RankSector Rank
PE 1.55
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

86.25% of the companies in the same industry are more expensive than IFC-PR-E, based on the Enterprise Value to EBITDA ratio.
IFC-PR-E's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 1.35
EV/EBITDA 1.69
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of IFC-PR-E may justify a higher PE ratio.
PEG (NY)0.1
PEG (5Y)0.08
EPS Next 2Y10.6%
EPS Next 3Y9.4%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.78%, IFC-PR-E has a reasonable but not impressive dividend return.
IFC-PR-E's Dividend Yield is slightly below the industry average, which is at 4.53.
IFC-PR-E's Dividend Yield is slightly below the S&P500 average, which is at 2.47.
Industry RankSector Rank
Dividend Yield 1.78%

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 43.18% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP43.18%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
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 2015 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

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INTACT FINANCIAL CORP - IFCCN 5.2 PERP

TSX:IFC-PR-E (4/25/2025, 7:00:00 PM)

22.36

-0.09 (-0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11 2025-02-11/amc
Earnings (Next)05-06 2025-05-06
Inst Owners54.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap3.99B
Analysts74.12
Price Target22.71 (1.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.78%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP43.18%
Div Incr Years0
Div Non Decr Years7
Ex-Date03-14 2025-03-14 (0.325)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)70.63%
Min EPS beat(2)13.21%
Max EPS beat(2)128.05%
EPS beat(4)4
Avg EPS beat(4)45.87%
Min EPS beat(4)5.69%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)30.5%
EPS beat(12)10
Avg EPS beat(12)22.8%
EPS beat(16)14
Avg EPS beat(16)26.14%
Revenue beat(2)0
Avg Revenue beat(2)-1.39%
Min Revenue beat(2)-2.19%
Max Revenue beat(2)-0.6%
Revenue beat(4)1
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)0.56%
Revenue beat(8)2
Avg Revenue beat(8)-1.65%
Revenue beat(12)6
Avg Revenue beat(12)9.23%
Revenue beat(16)10
Avg Revenue beat(16)8.99%
PT rev (1m)-4.44%
PT rev (3m)-0.85%
EPS NQ rev (1m)-2.4%
EPS NQ rev (3m)-5.03%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-0.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.04%
Valuation
Industry RankSector Rank
PE 1.55
Fwd PE 1.35
P/S 0.15
P/FCF 1.35
P/OCF 1.18
P/B 0.22
P/tB 0.46
EV/EBITDA 1.69
EPS(TTM)14.43
EY64.53%
EPS(NY)16.56
Fwd EY74.08%
FCF(TTM)16.59
FCFY74.18%
OCF(TTM)18.99
OCFY84.94%
SpS148.6
BVpS101.76
TBVpS48.12
PEG (NY)0.1
PEG (5Y)0.08
Profitability
Industry RankSector Rank
ROA 3.71%
ROE 12.16%
ROCE 7.15%
ROIC 5.49%
ROICexc 5.61%
ROICexgc 7.63%
OM 15.53%
PM (TTM) 8.33%
GM N/A
FCFM 11.16%
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
ROICexcg growth 3Y18.12%
ROICexcg 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-ScoreN/A
Asset Turnover0.45
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 1.85
Debt/EBITDA 1.13
Cap/Depr 59.09%
Cap/Sales 1.62%
Interest Coverage 18.29
Cash Conversion 69.95%
Profit Quality 134.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC7.19%
ROIC/WACC0.76
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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%16.82%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%7.61%
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
EBIT growth 1Y31.33%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y113.11%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y83.48%
OCF growth 3Y2.49%
OCF growth 5Y21.3%