INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-E - CA45823T8095
24.3 CAD
0 (0%)
Overall IFC-PR-E gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-E against 80 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 may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-E was profitable.
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.
1.2 Ratios
IFC-PR-E's Return On Assets of 3.82% is amongst the best of the industry. IFC-PR-E outperforms 82.50% of its industry peers.
IFC-PR-E has a Return On Equity of 12.11%. This is in the better half of the industry: IFC-PR-E outperforms 70.00% 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
With a Profit Margin value of 8.61%, IFC-PR-E perfoms like the industry average, outperforming 41.25% of the companies in the same industry.
In the last couple of years the Profit Margin of IFC-PR-E has grown nicely.
With a decent Operating Margin value of 16.63%, IFC-PR-E is doing good in the industry, outperforming 73.75% of the companies in the same industry.
In the last couple of years the Operating Margin of IFC-PR-E has grown nicely.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-E is destroying value.
The number of shares outstanding for IFC-PR-E has been increased compared to 5 years ago.
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.
IFC-PR-E has a Debt to FCF ratio of 1.55. This is in the better half of the industry: IFC-PR-E outperforms 65.00% 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's Debt to Equity ratio of 0.28 is in line compared to the rest of the industry. IFC-PR-E outperforms 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.79
WACC7.43%
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.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
Looking at the last year, IFC-PR-E shows a small growth in Revenue. The Revenue has grown by 4.15% in the last year.
IFC-PR-E shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.
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 9.33% on average per year.
The Revenue is expected to grow by 6.11% on average over the next years.
EPS Next Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 1.60, which indicates a rather cheap valuation of IFC-PR-E.
Based on the Price/Earnings ratio, IFC-PR-E is valued cheaper than 90.00% 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 (27.30), we can say IFC-PR-E is valued rather cheaply.
With a Price/Forward Earnings ratio of 1.38, the valuation of IFC-PR-E can be described as very cheap.
90.00% 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 (22.73), we can say IFC-PR-E is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.6 | ||
| Fwd PE | 1.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-E is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, IFC-PR-E is valued a bit cheaper than 66.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.23 | ||
| EV/EBITDA | 1.54 |
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)0.07
PEG (5Y)0.09
EPS Next 2Y10.3%
EPS Next 3Y9.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.90%, 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 3.99.
IFC-PR-E's Dividend Yield is slightly below the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.9% |
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
42.76% of the earnings are spent on dividend by IFC-PR-E. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
INTACT FINANCIAL CORP - IFCCN 5.2 PERP
TSX:IFC-PR-E (9/12/2025, 7:00:00 PM)
24.3
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.57%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap4.33B
Analysts72.94
Price Target29.02 (19.42%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.9% |
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)1.95%
PT rev (3m)17.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.27%
EPS NY rev (1m)7.49%
EPS NY rev (3m)7.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.62%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)-1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.6 | ||
| Fwd PE | 1.38 | ||
| P/S | 0.16 | ||
| P/FCF | 1.23 | ||
| P/OCF | 1.11 | ||
| P/B | 0.23 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | 1.54 |
EPS(TTM)15.18
EY62.47%
EPS(NY)17.56
Fwd EY72.25%
FCF(TTM)19.69
FCFY81.03%
OCF(TTM)21.85
OCFY89.92%
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
WACC7.43%
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 Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
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%