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

TSX:IFC-PR-E • CA45823T8095

23.95 CAD
+0.07 (+0.29%)
Last: Feb 23, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, IFC-PR-E scores 6 out of 10 in our fundamental rating. IFC-PR-E was compared to 79 industry peers in the Insurance industry. While IFC-PR-E has a great profitability rating, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-E. IFC-PR-E also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

7

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.
  • IFC-PR-E had positive earnings in each of the past 5 years.
  • 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's Return On Assets of 5.21% is amongst the best of the industry. IFC-PR-E outperforms 97.47% of its industry peers.
  • Looking at the Return On Equity, with a value of 15.72%, IFC-PR-E belongs to the top of the industry, outperforming 93.67% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 7.52%, IFC-PR-E belongs to the top of the industry, outperforming 97.47% of the companies in the same industry.
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 68.35% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IFC-PR-E has grown nicely.
  • IFC-PR-E has a Operating Margin of 21.11%. This is in the better half of the industry: IFC-PR-E outperforms 75.95% 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. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), IFC-PR-E is creating some value.
  • Compared to 1 year ago, IFC-PR-E has less shares outstanding
  • IFC-PR-E has more shares outstanding than it did 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.
  • Looking at the Debt to FCF ratio, with a value of 1.34, IFC-PR-E is in the better half of the industry, outperforming 78.48% 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.
  • IFC-PR-E has a better Debt to Equity ratio (0.25) than 88.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1.32
WACC5.7%
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

4

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 33.06%, which is quite impressive.
  • The Earnings Per Share has been growing by 14.12% on average over the past years. This is quite good.
  • IFC-PR-E shows a small growth in Revenue. In the last year, the Revenue has grown by 2.93%.
  • IFC-PR-E shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.74% yearly.
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 decrease by -0.86% on average over the next years.
  • The Revenue is expected to grow by 5.50% on average over the next years.
EPS Next Y-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
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 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 5 10 15

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.25, which indicates a rather cheap valuation of IFC-PR-E.
  • Based on the Price/Earnings ratio, IFC-PR-E is valued cheaply inside the industry as 96.20% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of IFC-PR-E to the average of the S&P500 Index (27.05), we can say IFC-PR-E is valued rather cheaply.
  • The Price/Forward Earnings ratio is 1.36, which 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 97.47% of the companies in the same industry.
  • IFC-PR-E is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.25
Fwd PE 1.36
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

  • 94.94% 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 89.87% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.08
EV/EBITDA 1.22
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-0.86%
EPS Next 3YN/A

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

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.43%, IFC-PR-E is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.24, IFC-PR-E pays a bit more dividend than its industry peers.
  • IFC-PR-E's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 5.43%

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

  • IFC-PR-E pays out 31.66% of its income as dividend. This is a sustainable payout ratio.
DP31.66%
EPS Next 2Y-0.86%
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 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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INTACT FINANCIAL CORP - IFCCN 5.2 PERP

TSX:IFC-PR-E (2/23/2026, 7:00:00 PM)

23.95

+0.07 (+0.29%)

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 Cap4.25B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target30.25 (26.3%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.43%
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)8.75%
PT rev (3m)9.42%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)0.43%
EPS NY rev (1m)0%
EPS NY rev (3m)0.75%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 1.25
Fwd PE 1.36
P/S 0.16
P/FCF 1.08
P/OCF 0.97
P/B 0.2
P/tB 0.39
EV/EBITDA 1.22
EPS(TTM)19.2
EY80.17%
EPS(NY)17.67
Fwd EY73.77%
FCF(TTM)22.13
FCFY92.4%
OCF(TTM)24.7
OCFY103.14%
SpS153.56
BVpS117.3
TBVpS62.19
PEG (NY)N/A
PEG (5Y)0.09
Graham Number225.11
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
WACC5.7%
ROIC/WACC1.32
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-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
Revenue Next 5YN/A
EBIT growth 1Y39.89%
EBIT growth 3Y22.87%
EBIT growth 5Y26.22%
EBIT Next Year8.2%
EBIT Next 3YN/A
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 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.


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 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 4 / 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 -7.98% in the next year.