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

Canada • Toronto Stock Exchange • TSX:IFC-PR-E • CA45823T8095

23.58 CAD
+0.05 (+0.21%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

5

IFC-PR-E gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. While IFC-PR-E has a great profitability rating, there are quite some concerns on its financial health. IFC-PR-E scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

7

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.
  • 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.
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

  • With an excellent Return On Assets value of 4.73%, IFC-PR-E belongs to the best of the industry, outperforming 96.25% of the companies in the same industry.
  • With an excellent Return On Equity value of 14.93%, IFC-PR-E belongs to the best of the industry, outperforming 93.75% of the companies in the same industry.
  • IFC-PR-E has a better Return On Invested Capital (6.85%) than 97.50% 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

  • The Profit Margin of IFC-PR-E (11.20%) is better than 62.50% of its industry peers.
  • IFC-PR-E's Profit Margin has improved in the last couple of years.
  • IFC-PR-E's Operating Margin of 20.28% is fine compared to the rest of the industry. IFC-PR-E outperforms 77.50% of its industry peers.
  • IFC-PR-E's Operating Margin has improved in the last couple of years.
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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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 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.
  • IFC-PR-E has a better Debt to FCF ratio (1.34) than 80.00% of its industry peers.
  • 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's Debt to Equity ratio of 0.27 is in line compared to the rest of the industry. IFC-PR-E outperforms 57.50% 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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5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 35.79% over the past year.
  • IFC-PR-E shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
  • The Revenue has decreased by -1.02% in the past year.
  • The Revenue has been growing by 18.42% on average over the past years. This is quite good.
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

  • The Earnings Per Share is expected to grow by 9.35% on average over the next years. This is quite good.
  • Based on estimates for the next years, IFC-PR-E will show a small growth in Revenue. The Revenue will grow by 6.08% on average per year.
EPS Next Y28.34%
EPS Next 2Y10.65%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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9

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 1.27, the valuation of IFC-PR-E can be described as very cheap.
  • Based on the Price/Earnings ratio, IFC-PR-E is valued cheaper than 96.25% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of IFC-PR-E to the average of the S&P500 Index (28.41), we can say IFC-PR-E is valued rather cheaply.
  • A Price/Forward Earnings ratio of 1.33 indicates a rather cheap valuation of IFC-PR-E.
  • 97.50% of the companies in the same industry are more expensive than IFC-PR-E, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of IFC-PR-E to the average of the S&P500 Index (25.64), we can say IFC-PR-E is valued rather cheaply.
Industry RankSector Rank
PE 1.27
Fwd PE 1.33
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

  • Based on the Enterprise Value to EBITDA ratio, IFC-PR-E is valued cheaper than 95.00% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, IFC-PR-E is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.03
EV/EBITDA 1.24
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

  • IFC-PR-E's 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)0.04
PEG (5Y)0.07
EPS Next 2Y10.65%
EPS Next 3Y9.35%

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4

5. Dividend

5.1 Amount

  • IFC-PR-E has a Yearly Dividend Yield of 2.15%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 3.50, IFC-PR-E is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.83, IFC-PR-E has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.15%

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

  • 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 2Y10.65%
EPS Next 3Y9.35%
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

INTACT FINANCIAL CORP - IFCCN 5.2 PERP

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

23.58

+0.05 (+0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-10
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.19B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target27.82 (17.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.15%
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)-2.16%
PT rev (3m)-8.74%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.01%
EPS NY rev (3m)4.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 1.27
Fwd PE 1.33
P/S 0.16
P/FCF 1.03
P/OCF 0.94
P/B 0.21
P/tB 0.41
EV/EBITDA 1.24
EPS(TTM)18.63
EY79.01%
EPS(NY)17.67
Fwd EY74.93%
FCF(TTM)22.88
FCFY97.02%
OCF(TTM)25.14
OCFY106.64%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.04
PEG (5Y)0.07
Graham Number217
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)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
EPS Next Y28.34%
EPS Next 2Y10.65%
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 for IFC-PR-E stock?

ChartMill assigns a valuation rating of 9 / 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.


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 2 / 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 grow by 28.34% in the next year.