INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis
TSX:IFC-PR-I - Toronto Stock Exchange - CA45823T8582 - Currency: CAD
IFC-PR-I gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-I while its profitability can be described as average. 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.
Each year in the past 5 years IFC-PR-I had a positive operating cash flow.
1.2 Ratios
The Return On Assets of IFC-PR-I (3.65%) is better than 82.28% of its industry peers.
With a decent Return On Equity value of 11.78%, IFC-PR-I is doing good in the industry, outperforming 70.89% of the companies in the same industry.
The Return On Invested Capital of IFC-PR-I (5.49%) is better than 92.41% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 8.24%, IFC-PR-I perfoms like the industry average, outperforming 40.51% of the companies in the same industry.
In the last couple of years the Profit Margin of IFC-PR-I has grown nicely.
Looking at the Operating Margin, with a value of 15.65%, IFC-PR-I is in the better half of the industry, outperforming 63.29% of the companies in the same industry.
In the last couple of years the Operating Margin of IFC-PR-I has grown nicely.
| Industry Rank | Sector 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
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.
IFC-PR-I has more shares outstanding than it did 5 years ago.
2.2 Solvency
The Debt to FCF ratio of IFC-PR-I is 1.67, which is an excellent value as it means it would take IFC-PR-I, only 1.67 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of IFC-PR-I (1.67) is better than 60.76% of its industry peers.
IFC-PR-I has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of IFC-PR-I (0.29) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.67 | ||
| Altman-Z | N/A |
ROIC/WACC0.76
WACC7.26%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.90% over the past year.
IFC-PR-I shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
Looking at the last year, IFC-PR-I shows a small growth in Revenue. The Revenue has grown by 4.57% 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)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
The Earnings Per Share is expected to grow by 9.40% on average over the next years. This is quite good.
IFC-PR-I is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.74% yearly.
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
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
IFC-PR-I is valuated cheaply with a Price/Earnings ratio of 1.60.
Compared to the rest of the industry, the Price/Earnings ratio of IFC-PR-I indicates a rather cheap valuation: IFC-PR-I is cheaper than 89.87% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of IFC-PR-I to the average of the S&P500 Index (27.45), we can say IFC-PR-I is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 1.34, the valuation of IFC-PR-I can be described as very cheap.
IFC-PR-I's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-I is cheaper than 89.87% of the companies in the same industry.
IFC-PR-I is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.89, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.6 | ||
| Fwd PE | 1.34 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-I is valued cheaply inside the industry as 87.34% of the companies are valued more expensively.
IFC-PR-I's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.29 | ||
| EV/EBITDA | 1.68 |
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)0.11
PEG (5Y)0.09
EPS Next 2Y10.6%
EPS Next 3Y9.4%
5. Dividend
5.1 Amount
IFC-PR-I has a Yearly Dividend Yield of 6.00%, which is a nice return.
IFC-PR-I's Dividend Yield is rather good when compared to the industry average which is at 5.24. IFC-PR-I pays more dividend than 96.20% of the companies in the same industry.
IFC-PR-I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6% |
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
44.07% of the earnings are spent on dividend by IFC-PR-I. This is a bit on the high side, but may be sustainable.
DP44.07%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
INTACT FINANCIAL CORP - IFCCN 5.4 PERP
TSX:IFC-PR-I (7/4/2025, 7:00:00 PM)
23.7
-0.1 (-0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.57%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap4.23B
Analysts73.33
Price Target25.35 (6.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years0
Div Non Decr Years4
Ex-Date
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)6
Avg Revenue beat(12)8.14%
Revenue beat(16)10
Avg Revenue beat(16)10%
PT rev (1m)10.74%
PT rev (3m)2.01%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.6 | ||
| Fwd PE | 1.34 | ||
| P/S | 0.16 | ||
| P/FCF | 1.29 | ||
| P/OCF | 1.14 | ||
| P/B | 0.23 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | 1.68 |
EPS(TTM)14.81
EY62.49%
EPS(NY)17.65
Fwd EY74.48%
FCF(TTM)18.37
FCFY77.51%
OCF(TTM)20.72
OCFY87.42%
SpS150.36
BVpS105.24
TBVpS50.26
PEG (NY)0.11
PEG (5Y)0.09
Profitability
| Industry Rank | Sector 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 Rank | Sector 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%