INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis
TSX:IFC-PR-E - Toronto Stock Exchange - CA45823T8095 - Currency: CAD
Overall IFC-PR-E gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-E against 85 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 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 3.71%. This is in the better half of the industry: IFC-PR-E outperforms 79.07% of its industry peers.
The Return On Equity of IFC-PR-E (12.16%) is better than 75.58% of its industry peers.
With a decent Return On Invested Capital value of 5.49%, IFC-PR-E is doing good in the industry, outperforming 77.91% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 8.33%, IFC-PR-E is doing worse than 62.79% of the companies in the same industry.
IFC-PR-E's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 15.53%, IFC-PR-E is not doing good in the industry: 61.63% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of IFC-PR-E has grown nicely.
| Industry Rank | Sector 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
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 1.85. 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.
Looking at the Debt to FCF ratio, with a value of 1.85, IFC-PR-E is in the better half of the industry, outperforming 74.42% of the companies in the same industry.
A Debt/Equity ratio of 0.30 indicates that IFC-PR-E is not too dependend on debt financing.
IFC-PR-E has a Debt to Equity ratio (0.30) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.73
WACC7.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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 77.11%, which is quite impressive.
The Earnings Per Share has been growing by 19.46% 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 3.16%.
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)77.11%
EPS 3Y-0.2%
EPS 5Y19.46%
EPS Q2Q%28.61%
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%19.83%
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 10.68% on average per year.
Based on estimates for the next years, IFC-PR-E will show a quite strong growth in Revenue. The Revenue will grow by 9.37% on average per year.
EPS Next Y19.05%
EPS Next 2Y12.4%
EPS Next 3Y10.68%
EPS Next 5YN/A
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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
A Price/Earnings ratio of 1.92 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 83.72% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 29.35, IFC-PR-E is valued rather cheaply.
The Price/Forward Earnings ratio is 1.43, 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 87.21% of the companies are valued more expensively.
IFC-PR-E is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.43 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IFC-PR-E indicates a rather cheap valuation: IFC-PR-E is cheaper than 95.35% of the companies listed in the same industry.
IFC-PR-E's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IFC-PR-E is cheaper than 69.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.43 | ||
| EV/EBITDA | 1.74 |
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.
PEG (NY)0.1
PEG (5Y)0.1
EPS Next 2Y12.4%
EPS Next 3Y10.68%
5. Dividend
5.1 Amount
IFC-PR-E has a Yearly Dividend Yield of 1.85%. Purely for dividend investing, there may be better candidates out there.
IFC-PR-E's Dividend Yield is slightly below the industry average, which is at 4.24.
Compared to the average S&P500 Dividend Yield of 2.33, IFC-PR-E is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
5.2 History
The dividend of IFC-PR-E is nicely growing with an annual growth rate of 10.80%!
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)10.8%
Div Incr Years0
Div Non Decr Years7
5.3 Sustainability
43.18% of the earnings are spent on dividend by IFC-PR-E. This is a bit on the high side, but may be sustainable.
IFC-PR-E's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP43.18%
EPS Next 2Y12.4%
EPS Next 3Y10.68%
INTACT FINANCIAL CORP - IFCCN 5.2 PERP
TSX:IFC-PR-E (3/7/2025, 7:00:00 PM)
23.79
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners54.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap4.24B
Analysts74.12
Price Target25.36 (6.6%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
Yearly Dividend4.34
Dividend Growth(5Y)10.8%
DP43.18%
Div Incr Years0
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)4.93%
Min Revenue beat(2)-2.19%
Max Revenue beat(2)12.06%
Revenue beat(4)2
Avg Revenue beat(4)1.53%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)12.06%
Revenue beat(8)3
Avg Revenue beat(8)-0.07%
Revenue beat(12)7
Avg Revenue beat(12)10.29%
Revenue beat(16)11
Avg Revenue beat(16)9.79%
PT rev (1m)-0.74%
PT rev (3m)6.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.78%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.92 | ||
| Fwd PE | 1.43 | ||
| P/S | 0.16 | ||
| P/FCF | 1.43 | ||
| P/OCF | 1.25 | ||
| P/B | 0.23 | ||
| P/tB | 0.49 | ||
| EV/EBITDA | 1.74 |
EPS(TTM)12.37
EY52%
EPS(NY)16.64
Fwd EY69.95%
FCF(TTM)16.59
FCFY69.72%
OCF(TTM)18.99
OCFY79.83%
SpS148.6
BVpS101.76
TBVpS48.12
PEG (NY)0.1
PEG (5Y)0.1
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.56%
ROIC/WACC0.73
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)77.11%
EPS 3Y-0.2%
EPS 5Y19.46%
EPS Q2Q%28.61%
EPS Next Y19.05%
EPS Next 2Y12.4%
EPS Next 3Y10.68%
EPS Next 5YN/A
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%19.83%
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%