INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-G - CA45823T8749
25.51 CAD
-0.11 (-0.43%)
We assign a fundamental rating of 5 out of 10 to IFC-PR-G. IFC-PR-G was compared to 82 industry peers in the Insurance industry. IFC-PR-G has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFC-PR-G scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
IFC-PR-G had positive earnings in the past year.
In the past year IFC-PR-G had a positive cash flow from operations.
In the past 5 years IFC-PR-G has always been profitable.
In the past 5 years IFC-PR-G always reported a positive cash flow from operatings.
1.2 Ratios
IFC-PR-G has a Return On Assets of 4.73%. This is amongst the best in the industry. IFC-PR-G outperforms 89.02% of its industry peers.
IFC-PR-G's Return On Equity of 14.93% is amongst the best of the industry. IFC-PR-G outperforms 84.15% of its industry peers.
IFC-PR-G has a better Return On Invested Capital (6.85%) than 90.24% 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-G has a Profit Margin (11.20%) which is in line with its industry peers.
In the last couple of years the Profit Margin of IFC-PR-G has grown nicely.
IFC-PR-G has a Operating Margin of 20.28%. This is in the better half of the industry: IFC-PR-G outperforms 69.51% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-G 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC-PR-G is destroying value.
Compared to 5 years ago, IFC-PR-G has more shares outstanding
2.2 Solvency
IFC-PR-G 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-G has a better Debt to FCF ratio (1.34) than 71.95% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that IFC-PR-G is not too dependend on debt financing.
IFC-PR-G has a Debt to Equity ratio (0.27) which is in line with its industry peers.
| 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-G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.79%, which is quite impressive.
IFC-PR-G shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
The Revenue has decreased by -1.02% in the past year.
IFC-PR-G shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.
EPS 1Y (TTM)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
3.2 Future
Based on estimates for the next years, IFC-PR-G will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.35% on average per year.
The Revenue is expected to grow by 6.08% on average over the next years.
EPS Next Y28.27%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
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
A Price/Earnings ratio of 1.37 indicates a rather cheap valuation of IFC-PR-G.
Based on the Price/Earnings ratio, IFC-PR-G is valued cheaper than 86.59% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.39. IFC-PR-G is valued rather cheaply when compared to this.
IFC-PR-G is valuated cheaply with a Price/Forward Earnings ratio of 1.44.
87.80% of the companies in the same industry are more expensive than IFC-PR-G, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.84. IFC-PR-G is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.37 | ||
| Fwd PE | 1.44 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-G is valued cheaper than 85.37% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-G indicates a somewhat cheap valuation: IFC-PR-G is cheaper than 64.63% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.12 | ||
| EV/EBITDA | 1.29 |
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-G has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.05
PEG (5Y)0.07
EPS Next 2Y10.61%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
IFC-PR-G has a Yearly Dividend Yield of 1.87%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.87, IFC-PR-G pays less dividend than the industry average, which is at 3.40. 84.15% of the companies listed in the same industry pay a better dividend than IFC-PR-G!
Compared to an average S&P500 Dividend Yield of 1.87, IFC-PR-G has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
5.2 History
IFC-PR-G has been paying a dividend for over 5 years, so it has already some track record.
As IFC-PR-G did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years6
5.3 Sustainability
IFC-PR-G pays out 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 6.012 PERP
TSX:IFC-PR-G (12/19/2025, 7:00:00 PM)
25.51
-0.11 (-0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.49%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.53B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target29.23 (14.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years2
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.03%
Min EPS beat(2)7.9%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)15.9%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)32.18%
EPS beat(12)11
Avg EPS beat(12)25.24%
EPS beat(16)14
Avg EPS beat(16)22.92%
Revenue beat(2)1
Avg Revenue beat(2)-0.62%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.92%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.46%
Revenue beat(12)4
Avg Revenue beat(12)-0.12%
Revenue beat(16)8
Avg Revenue beat(16)7.07%
PT rev (1m)-1.51%
PT rev (3m)-3.44%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)2.76%
EPS NY rev (3m)3.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.37 | ||
| Fwd PE | 1.44 | ||
| P/S | 0.17 | ||
| P/FCF | 1.12 | ||
| P/OCF | 1.01 | ||
| P/B | 0.23 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | 1.29 |
EPS(TTM)18.63
EY73.03%
EPS(NY)17.66
Fwd EY69.21%
FCF(TTM)22.88
FCFY89.68%
OCF(TTM)25.14
OCFY98.57%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.05
PEG (5Y)0.07
Graham Number217
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)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
EPS Next Y28.27%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
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 6.012 PERP / IFC-PR-G.CA FAQ
What is the fundamental rating for IFC-PR-G stock?
ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-G.CA.
Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 6.012 PERP?
ChartMill assigns a valuation rating of 8 / 10 to INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA). This can be considered as Undervalued.
Can you provide the profitability details for INTACT FINANCIAL CORP - IFCCN 6.012 PERP?
INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) has a profitability rating of 6 / 10.
Can you provide the financial health for IFC-PR-G stock?
The financial health rating of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) is 2 / 10.
Can you provide the expected EPS growth for IFC-PR-G stock?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 6.012 PERP (IFC-PR-G.CA) is expected to grow by 28.27% in the next year.