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

TSX:IFC-PR-E - Toronto Stock Exchange - CA45823T8095 - Currency: CAD

23.84  -0.11 (-0.46%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to IFC-PR-E. IFC-PR-E was compared to 81 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


Dividend Valuation Growth Profitability Health

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6

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.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

IFC-PR-E's Return On Assets of 3.65% is amongst the best of the industry. IFC-PR-E outperforms 82.72% of its industry peers.
IFC-PR-E's Return On Equity of 11.78% is fine compared to the rest of the industry. IFC-PR-E outperforms 71.60% of its industry peers.
With an excellent Return On Invested Capital value of 5.49%, IFC-PR-E belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
Industry RankSector Rank
ROA 3.65%
ROE 11.78%
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
IFC-PR-E.CA Yearly ROA, ROE, ROICIFC-PR-E.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

IFC-PR-E's Profit Margin of 8.24% is in line compared to the rest of the industry. IFC-PR-E outperforms 41.98% of its industry peers.
In the last couple of years the Profit Margin of IFC-PR-E has grown nicely.
IFC-PR-E's Operating Margin of 15.65% is fine compared to the rest of the industry. IFC-PR-E outperforms 62.96% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-E has grown nicely.
Industry RankSector Rank
OM 15.65%
PM (TTM) 8.24%
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 2015 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.
IFC-PR-E has more shares outstanding than it did 5 years ago.
IFC-PR-E.CA Yearly Shares OutstandingIFC-PR-E.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2024 20B 40B 60B

2.2 Solvency

The Debt to FCF ratio of IFC-PR-E is 1.67, which is an excellent value as it means it would take IFC-PR-E, only 1.67 years of fcf income to pay off all of its debts.
IFC-PR-E's Debt to FCF ratio of 1.67 is fine compared to the rest of the industry. IFC-PR-E outperforms 61.73% of its industry peers.
IFC-PR-E has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.29, IFC-PR-E perfoms like the industry average, outperforming 45.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 1.67
Altman-Z N/A
ROIC/WACC0.76
WACC7.26%
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2024 1B 2B 3B 4B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 20.90% 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 4.57% in the last year.
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)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%

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 9.40% yearly.
The Revenue is expected to grow by 9.74% on average over the next years. This is quite good.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
IFC-PR-E.CA Yearly Revenue VS EstimatesIFC-PR-E.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 1.61, the valuation of IFC-PR-E can be described as very cheap.
90.12% of the companies in the same industry are more expensive than IFC-PR-E, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.19, IFC-PR-E is valued rather cheaply.
The Price/Forward Earnings ratio is 1.35, which indicates a rather cheap valuation of IFC-PR-E.
90.12% of the companies in the same industry are more expensive than IFC-PR-E, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 35.33. IFC-PR-E is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 1.61
Fwd PE 1.35
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 10 20 30

4.2 Price Multiples

87.65% of the companies in the same industry are more expensive than IFC-PR-E, based on the Enterprise Value to EBITDA ratio.
IFC-PR-E's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IFC-PR-E is cheaper than 64.20% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.3
EV/EBITDA 1.69
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 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)0.11
PEG (5Y)0.09
EPS Next 2Y10.6%
EPS Next 3Y9.4%

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5

5. Dividend

5.1 Amount

IFC-PR-E has a Yearly Dividend Yield of 5.57%, which is a nice return.
Compared to an average industry Dividend Yield of 5.18, IFC-PR-E has a dividend in line with its industry peers.
IFC-PR-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 5.57%

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
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

44.07% of the earnings are spent on dividend by IFC-PR-E. This is a bit on the high side, but may be sustainable.
DP44.07%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
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 2015 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

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INTACT FINANCIAL CORP - IFCCN 5.2 PERP

TSX:IFC-PR-E (7/14/2025, 7:00:00 PM)

23.84

-0.11 (-0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)07-29 2025-07-29
Inst Owners55.57%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap4.25B
Analysts73.33
Price Target25.09 (5.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.57%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years0
Div Non Decr Years7
Ex-Date06-16 2025-06-16 (0.325)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.77%
Min EPS beat(2)12.33%
Max EPS beat(2)13.21%
EPS beat(4)4
Avg EPS beat(4)47.53%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)31.73%
EPS beat(12)10
Avg EPS beat(12)22.78%
EPS beat(16)14
Avg EPS beat(16)26.26%
Revenue beat(2)0
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-1.86%
Max Revenue beat(2)-0.6%
Revenue beat(4)0
Avg Revenue beat(4)-2.24%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)-0.6%
Revenue beat(8)2
Avg Revenue beat(8)-1.31%
Revenue beat(12)5
Avg Revenue beat(12)5.52%
Revenue beat(16)9
Avg Revenue beat(16)8.04%
PT rev (1m)1.66%
PT rev (3m)3.51%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)-0.68%
Revenue NQ rev (3m)2.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
Industry RankSector Rank
PE 1.61
Fwd PE 1.35
P/S 0.16
P/FCF 1.3
P/OCF 1.15
P/B 0.23
P/tB 0.47
EV/EBITDA 1.69
EPS(TTM)14.81
EY62.12%
EPS(NY)17.65
Fwd EY74.04%
FCF(TTM)18.37
FCFY77.05%
OCF(TTM)20.72
OCFY86.91%
SpS150.36
BVpS105.24
TBVpS50.26
PEG (NY)0.11
PEG (5Y)0.09
Profitability
Industry RankSector Rank
ROA 3.65%
ROE 11.78%
ROCE 7.14%
ROIC 5.49%
ROICexc 5.62%
ROICexgc 7.67%
OM 15.65%
PM (TTM) 8.24%
GM N/A
FCFM 12.22%
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 RankSector Rank
Debt/Equity 0.29
Debt/FCF 1.67
Debt/EBITDA 1.11
Cap/Depr 57.01%
Cap/Sales 1.56%
Interest Coverage 19.08
Cash Conversion 74.92%
Profit Quality 148.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC7.26%
ROIC/WACC0.76
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)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
Revenue Next 5YN/A
EBIT growth 1Y26.57%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y47.37%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y38.96%
OCF growth 3Y2.49%
OCF growth 5Y21.3%