INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-E - CA45823T8095
23.95 CAD
-0.06 (-0.25%)
Taking everything into account, IFC-PR-E scores 6 out of 10 in our fundamental rating. IFC-PR-E was compared to 80 industry peers in the Insurance industry. IFC-PR-E scores excellent on profitability, but there are concerns on its financial health. IFC-PR-E may be a bit undervalued, certainly considering the very reasonable score on growth Finally IFC-PR-E also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-E was profitable.
In the past year IFC-PR-E had a positive cash flow from operations.
In the past 5 years IFC-PR-E has always been profitable.
Each year in the past 5 years IFC-PR-E had a positive operating cash flow.
1.2 Ratios
IFC-PR-E's Return On Assets of 4.73% is amongst the best of the industry. IFC-PR-E outperforms 96.25% of its industry peers.
IFC-PR-E has a better Return On Equity (14.93%) than 92.50% of its industry peers.
IFC-PR-E's Return On Invested Capital of 6.85% is amongst the best of the industry. IFC-PR-E outperforms 96.25% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
IFC-PR-E has a better Profit Margin (11.20%) than 78.75% of its industry peers.
In the last couple of years the Profit Margin of IFC-PR-E has grown nicely.
IFC-PR-E has a better Operating Margin (20.28%) than 76.25% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-E has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
IFC-PR-E has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
IFC-PR-E has more shares outstanding than it did 5 years ago.
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 78.75% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that IFC-PR-E is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.27, IFC-PR-E is in the better half of the industry, outperforming 73.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.94
WACC7.26%
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 23.54%, which is quite impressive.
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.
Looking at the last year, IFC-PR-E shows a decrease in Revenue. The Revenue has decreased by -1.02% 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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%344.47%
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%26.12%
3.2 Future
IFC-PR-E is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.44% yearly.
Based on estimates for the next years, IFC-PR-E will show a small growth in Revenue. The Revenue will grow by 5.86% on average per year.
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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 1.66, which indicates a rather cheap valuation of IFC-PR-E.
Compared to the rest of the industry, the Price/Earnings ratio of IFC-PR-E indicates a rather cheap valuation: IFC-PR-E is cheaper than 93.75% of the companies listed in the same industry.
IFC-PR-E is valuated cheaply when we compare the Price/Earnings ratio to 25.51, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 1.37 indicates a rather cheap valuation of IFC-PR-E.
Based on the Price/Forward Earnings ratio, IFC-PR-E is valued cheaper than 95.00% of the companies in the same industry.
IFC-PR-E is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.66 | ||
| Fwd PE | 1.37 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-E is valued cheaply inside the industry as 92.50% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-E indicates a somewhat cheap valuation: IFC-PR-E is cheaper than 73.75% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.05 | ||
| EV/EBITDA | 1.25 |
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.
The decent profitability rating of IFC-PR-E may justify a higher PE ratio.
PEG (NY)0.07
PEG (5Y)0.09
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.52%, IFC-PR-E is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.58, IFC-PR-E pays a better dividend. On top of this IFC-PR-E pays more dividend than 98.75% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, IFC-PR-E pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
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
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 2Y10.24%
EPS Next 3Y9.44%
INTACT FINANCIAL CORP - IFCCN 5.2 PERP
TSX:IFC-PR-E (11/18/2025, 7:00:00 PM)
23.95
-0.06 (-0.25%)
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 Cap4.26B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target28.03 (17.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
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)8.73%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)20.35%
Revenue beat(4)1
Avg Revenue beat(4)3.75%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)20.35%
Revenue beat(8)2
Avg Revenue beat(8)0.88%
Revenue beat(12)4
Avg Revenue beat(12)1.44%
Revenue beat(16)8
Avg Revenue beat(16)8.24%
PT rev (1m)-7.68%
PT rev (3m)-1.5%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)0.02%
EPS NY rev (1m)1.34%
EPS NY rev (3m)8.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.66 | ||
| Fwd PE | 1.37 | ||
| P/S | 0.16 | ||
| P/FCF | 1.05 | ||
| P/OCF | 0.95 | ||
| P/B | 0.21 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 1.25 |
EPS(TTM)14.43
EY60.25%
EPS(NY)17.54
Fwd EY73.22%
FCF(TTM)22.86
FCFY95.46%
OCF(TTM)25.13
OCFY104.92%
SpS149.64
BVpS112.27
TBVpS57.18
PEG (NY)0.07
PEG (5Y)0.09
Graham Number190.92
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.26%
ROIC/WACC0.94
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)23.54%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%344.47%
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%26.12%
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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 6 / 10 to IFC-PR-E.CA.
What is the valuation status of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) 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.
What is the financial health of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) stock?
The financial health rating of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is 3 / 10.
What is the expected EPS growth for INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) stock?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5.2 PERP (IFC-PR-E.CA) is expected to grow by 24.83% in the next year.