INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-I - CA45823T8582
25.01 CAD
-0.06 (-0.24%)
IFC-PR-I gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. While IFC-PR-I is still in line with the averages on profitability rating, there are concerns on its financial health. IFC-PR-I scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
IFC-PR-I had positive earnings in the past year.
In the past year IFC-PR-I had a positive cash flow from operations.
In the past 5 years IFC-PR-I has always been profitable.
In the past 5 years IFC-PR-I always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of IFC-PR-I (4.73%) is better than 91.46% of its industry peers.
Looking at the Return On Equity, with a value of 14.93%, IFC-PR-I belongs to the top of the industry, outperforming 86.59% of the companies in the same industry.
IFC-PR-I has a better Return On Invested Capital (6.85%) than 92.68% 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
Looking at the Profit Margin, with a value of 11.20%, IFC-PR-I is in line with its industry, outperforming 57.32% of the companies in the same industry.
IFC-PR-I's Profit Margin has improved in the last couple of years.
IFC-PR-I's Operating Margin of 20.28% is fine compared to the rest of the industry. IFC-PR-I outperforms 71.95% of its industry peers.
IFC-PR-I's Operating Margin has improved in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-I is destroying value.
Compared to 5 years ago, IFC-PR-I has more shares outstanding
2.2 Solvency
IFC-PR-I 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.
The Debt to FCF ratio of IFC-PR-I (1.34) is better than 74.39% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that IFC-PR-I is not too dependend on debt financing.
IFC-PR-I has a Debt to Equity ratio (0.27) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.95
WACC7.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC-PR-I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.79%, which is quite impressive.
Measured over the past years, IFC-PR-I 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-I shows a decrease in Revenue. The Revenue has decreased by -1.02% in the last year.
IFC-PR-I 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-I 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 1.34 indicates a rather cheap valuation of IFC-PR-I.
Based on the Price/Earnings ratio, IFC-PR-I is valued cheaply inside the industry as 89.02% of the companies are valued more expensively.
IFC-PR-I is valuated cheaply when we compare the Price/Earnings ratio to 26.55, which is the current average of the S&P500 Index.
IFC-PR-I is valuated cheaply with a Price/Forward Earnings ratio of 1.42.
Based on the Price/Forward Earnings ratio, IFC-PR-I is valued cheaply inside the industry as 90.24% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.78. IFC-PR-I is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.34 | ||
| Fwd PE | 1.42 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-I is valued cheaply inside the industry as 87.80% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, IFC-PR-I is valued a bit cheaper than 67.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.09 | ||
| EV/EBITDA | 1.28 |
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-I 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
With a Yearly Dividend Yield of 5.44%, IFC-PR-I is a good candidate for dividend investing.
IFC-PR-I's Dividend Yield is a higher than the industry average which is at 3.59.
Compared to an average S&P500 Dividend Yield of 1.87, IFC-PR-I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.44% |
5.2 History
IFC-PR-I has been paying a dividend for over 5 years, so it has already some track record.
IFC-PR-I has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
34.08% of the earnings are spent on dividend by IFC-PR-I. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
INTACT FINANCIAL CORP - IFCCN 5.4 PERP
TSX:IFC-PR-I (12/15/2025, 7:00:00 PM)
25.01
-0.06 (-0.24%)
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 Cap4.44B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target29.44 (17.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.44% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years4
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)5
Avg Revenue beat(12)2.5%
Revenue beat(16)9
Avg Revenue beat(16)9.03%
PT rev (1m)0.63%
PT rev (3m)0.34%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)2.76%
EPS NY rev (3m)3.95%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.34 | ||
| Fwd PE | 1.42 | ||
| P/S | 0.17 | ||
| P/FCF | 1.09 | ||
| P/OCF | 0.99 | ||
| P/B | 0.22 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 1.28 |
EPS(TTM)18.63
EY74.49%
EPS(NY)17.66
Fwd EY70.59%
FCF(TTM)22.88
FCFY91.47%
OCF(TTM)25.14
OCFY100.54%
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
WACC7.22%
ROIC/WACC0.95
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 5.4 PERP / IFC-PR-I.CA FAQ
Can you provide the ChartMill fundamental rating for INTACT FINANCIAL CORP - IFCCN 5.4 PERP?
ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-I.CA.
What is the valuation status of INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) stock?
ChartMill assigns a valuation rating of 8 / 10 to INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA). This can be considered as Undervalued.
How profitable is INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) stock?
INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) has a profitability rating of 6 / 10.
What is the earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 5.4 PERP?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) is expected to grow by 28.27% in the next year.
Can you provide the dividend sustainability for IFC-PR-I stock?
The dividend rating of INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) is 6 / 10 and the dividend payout ratio is 34.08%.