INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-E - CA45823T8095
24.07 CAD
-0.08 (-0.33%)
We assign a fundamental rating of 5 out of 10 to IFC-PR-E. 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 is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
Each year in the past 5 years IFC-PR-E has been profitable.
IFC-PR-E had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-E has a Return On Assets of 3.82%. This is amongst the best in the industry. IFC-PR-E outperforms 85.00% of its industry peers.
The Return On Equity of IFC-PR-E (12.11%) is better than 73.75% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.87%, IFC-PR-E belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROIC | 5.87% |
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's Profit Margin of 8.61% is in line compared to the rest of the industry. IFC-PR-E outperforms 43.75% of its industry peers.
IFC-PR-E's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 16.63%, IFC-PR-E is in the better half of the industry, outperforming 73.75% of the companies in the same industry.
IFC-PR-E's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-E 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 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
The Debt to FCF ratio of IFC-PR-E (1.55) is better than 66.25% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that IFC-PR-E is not too dependend on debt financing.
IFC-PR-E has a better Debt to Equity ratio (0.28) than 61.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.79
WACC7.39%
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 been growing slightly by 2.50% 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.
The Revenue has been growing slightly by 4.15% in the past year.
Measured over the past years, IFC-PR-E shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.
EPS 1Y (TTM)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
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 9.32% on average per year.
The Revenue is expected to grow by 5.88% on average over the next years.
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 1.59, 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 92.50% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.50. IFC-PR-E is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 1.37, 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 92.50% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.99. IFC-PR-E is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.59 | ||
| Fwd PE | 1.37 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-E is valued cheaper than 90.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-E is valued a bit cheaper than 68.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.22 | ||
| EV/EBITDA | 1.54 |
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)0.07
PEG (5Y)0.09
EPS Next 2Y10.19%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
IFC-PR-E has a Yearly Dividend Yield of 2.00%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.00, IFC-PR-E pays less dividend than the industry average, which is at 5.02. 88.75% of the companies listed in the same industry pay a better dividend than IFC-PR-E!
Compared to an average S&P500 Dividend Yield of 2.44, IFC-PR-E has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
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
IFC-PR-E pays out 42.76% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
INTACT FINANCIAL CORP - IFCCN 5.2 PERP
TSX:IFC-PR-E (10/14/2025, 7:00:00 PM)
24.07
-0.08 (-0.33%)
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 Cap4.29B
Analysts73.33
Price Target30.36 (26.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.25%
Min EPS beat(2)12.33%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)45.94%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)8
Avg EPS beat(8)36.37%
EPS beat(12)10
Avg EPS beat(12)24.32%
EPS beat(16)14
Avg EPS beat(16)26.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.38%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-1.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)-0.6%
Revenue beat(8)1
Avg Revenue beat(8)-1.81%
Revenue beat(12)4
Avg Revenue beat(12)1.79%
Revenue beat(16)8
Avg Revenue beat(16)7.33%
PT rev (1m)2.53%
PT rev (3m)21.03%
EPS NQ rev (1m)-0.66%
EPS NQ rev (3m)-2.74%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.69%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.59 | ||
| Fwd PE | 1.37 | ||
| P/S | 0.16 | ||
| P/FCF | 1.22 | ||
| P/OCF | 1.1 | ||
| P/B | 0.22 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | 1.54 |
EPS(TTM)15.18
EY63.07%
EPS(NY)17.52
Fwd EY72.79%
FCF(TTM)19.69
FCFY81.8%
OCF(TTM)21.85
OCFY90.78%
SpS151.62
BVpS107.8
TBVpS53.62
PEG (NY)0.07
PEG (5Y)0.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROCE | 7.64% | ||
| ROIC | 5.87% | ||
| ROICexc | 6.03% | ||
| ROICexgc | 8.19% | ||
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| GM | N/A | ||
| FCFM | 12.99% |
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-Score8
Asset Turnover0.44
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | 1.03 | ||
| Cap/Depr | 50.2% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | 19.8 | ||
| Cash Conversion | 74.02% | ||
| Profit Quality | 150.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.39%
ROIC/WACC0.79
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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
EBIT Next 5YN/A
FCF growth 1Y65.8%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y52.33%
OCF growth 3Y2.49%
OCF growth 5Y21.3%