INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-I - CA45823T8582
24.9 CAD
-0.1 (-0.4%)
Taking everything into account, IFC-PR-I scores 6 out of 10 in our fundamental rating. IFC-PR-I was compared to 80 industry peers in the Insurance industry. While IFC-PR-I belongs to the best of the industry regarding profitability, there are concerns on its financial health. IFC-PR-I may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
IFC-PR-I had positive earnings in the past year.
IFC-PR-I had a positive operating cash flow in the past year.
IFC-PR-I had positive earnings in each of the past 5 years.
IFC-PR-I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-I has a better Return On Assets (4.73%) than 91.25% of its industry peers.
The Return On Equity of IFC-PR-I (14.93%) is better than 87.50% of its industry peers.
IFC-PR-I has a better Return On Invested Capital (6.85%) than 92.50% 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-I has a Profit Margin of 11.20%. This is in the better half of the industry: IFC-PR-I outperforms 73.75% of its industry peers.
IFC-PR-I's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 20.28%, IFC-PR-I is doing good in the industry, outperforming 71.25% 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 | 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-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.
With a decent Debt to FCF ratio value of 1.34, IFC-PR-I is doing good in the industry, outperforming 75.00% of the companies in the same industry.
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 of 0.27. This is in the better half of the industry: IFC-PR-I outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.94
WACC7.28%
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 23.54% over the past year.
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.
IFC-PR-I shows a decrease in Revenue. In the last year, the revenue decreased by -1.02%.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
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
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 9.44% on average per year.
IFC-PR-I is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.86% yearly.
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
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.
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
Based on the Price/Earnings ratio of 1.73, the valuation of IFC-PR-I can be described as very cheap.
Based on the Price/Earnings ratio, IFC-PR-I is valued cheaper than 88.75% of the companies in the same industry.
IFC-PR-I's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.89.
A Price/Forward Earnings ratio of 1.42 indicates a rather cheap valuation of IFC-PR-I.
Based on the Price/Forward Earnings ratio, IFC-PR-I is valued cheaper than 90.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of IFC-PR-I to the average of the S&P500 Index (34.59), we can say IFC-PR-I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.73 | ||
| Fwd PE | 1.42 |
4.2 Price Multiples
87.50% of the companies in the same industry are more expensive than IFC-PR-I, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, IFC-PR-I is valued a bit cheaper than 66.25% 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)0.07
PEG (5Y)0.09
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
IFC-PR-I has a Yearly Dividend Yield of 5.52%, which is a nice return.
IFC-PR-I's Dividend Yield is rather good when compared to the industry average which is at 4.58. IFC-PR-I pays more dividend than 93.75% 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
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
IFC-PR-I pays out 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
INTACT FINANCIAL CORP - IFCCN 5.4 PERP
TSX:IFC-PR-I (11/13/2025, 7:00:00 PM)
24.9
-0.1 (-0.4%)
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 Cap4.43B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target29.26 (17.51%)
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 Years4
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)5
Avg Revenue beat(12)4.05%
Revenue beat(16)9
Avg Revenue beat(16)10.2%
PT rev (1m)-5.55%
PT rev (3m)2.24%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)-0.11%
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 | 1.73 | ||
| 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)14.43
EY57.95%
EPS(NY)17.54
Fwd EY70.43%
FCF(TTM)22.86
FCFY91.81%
OCF(TTM)25.13
OCFY100.92%
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
WACC7.28%
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 5.4 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 6 / 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 7 / 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 24.83% 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%.