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INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis

TSX:IFC-PR-I - Toronto Stock Exchange - CA45823T8582 - Currency: CAD

23.9  +0.2 (+0.84%)

Fundamental Rating

5

Taking everything into account, IFC-PR-I scores 5 out of 10 in our fundamental rating. IFC-PR-I was compared to 81 industry peers in the Insurance industry. IFC-PR-I has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFC-PR-I may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

In the past year IFC-PR-I was profitable.
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.
Each year in the past 5 years IFC-PR-I had a positive operating cash flow.
IFC-PR-I.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC-PR-I.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

The Return On Assets of IFC-PR-I (3.65%) is better than 81.48% of its industry peers.
With a decent Return On Equity value of 11.78%, IFC-PR-I is doing good in the industry, outperforming 69.14% of the companies in the same industry.
The Return On Invested Capital of IFC-PR-I (5.49%) is better than 91.36% of its industry peers.
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-I.CA Yearly ROA, ROE, ROICIFC-PR-I.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-I has a worse Profit Margin (8.24%) than 60.49% of its industry peers.
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 62.96% of the companies in the same industry.
IFC-PR-I's Operating Margin has improved in the last couple of years.
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-I.CA Yearly Profit, Operating, Gross MarginsIFC-PR-I.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

2

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.
The number of shares outstanding for IFC-PR-I has been increased compared to 5 years ago.
IFC-PR-I.CA Yearly Shares OutstandingIFC-PR-I.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2024 50M 100M 150M
IFC-PR-I.CA Yearly Total Debt VS Total AssetsIFC-PR-I.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-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 comparable to the rest of the industry.
IFC-PR-I has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
IFC-PR-I has a Debt to Equity ratio (0.29) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 1.67
Altman-Z N/A
ROIC/WACC0.76
WACC7.26%
IFC-PR-I.CA Yearly LT Debt VS Equity VS FCFIFC-PR-I.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-I.CA Yearly Current Assets VS Current LiabilitesIFC-PR-I.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

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-I shows a small growth in Revenue. The Revenue has grown by 4.57% in the last year.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
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.
Based on estimates for the next years, IFC-PR-I will show a quite strong growth in Revenue. The Revenue will grow by 9.74% on average per year.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
IFC-PR-I.CA Yearly Revenue VS EstimatesIFC-PR-I.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-I.CA Yearly EPS VS EstimatesIFC-PR-I.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

8

4. Valuation

4.1 Price/Earnings Ratio

IFC-PR-I is valuated cheaply with a Price/Earnings ratio of 1.61.
Based on the Price/Earnings ratio, IFC-PR-I is valued cheaper than 88.89% 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 27.29.
Based on the Price/Forward Earnings ratio of 1.35, 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 88.89% of the companies in the same industry.
IFC-PR-I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.74.
Industry RankSector Rank
PE 1.61
Fwd PE 1.35
IFC-PR-I.CA Price Earnings VS Forward Price EarningsIFC-PR-I.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IFC-PR-I indicates a rather cheap valuation: IFC-PR-I is cheaper than 86.42% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-I is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 1.3
EV/EBITDA 1.69
IFC-PR-I.CA Per share dataIFC-PR-I.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-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%

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.00%, IFC-PR-I is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.24, IFC-PR-I pays a better dividend. On top of this IFC-PR-I pays more dividend than 95.06% of the companies listed 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 RankSector 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
IFC-PR-I.CA Yearly Dividends per shareIFC-PR-I.CA Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

IFC-PR-I pays out 44.07% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP44.07%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
IFC-PR-I.CA Yearly Income VS Free CF VS DividendIFC-PR-I.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-I.CA Dividend Payout.IFC-PR-I.CA Dividend Payout, showing the Payout Ratio.IFC-PR-I.CA Dividend Payout.PayoutRetained Earnings

INTACT FINANCIAL CORP - IFCCN 5.4 PERP

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

23.9

+0.2 (+0.84%)

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 Cap4.26B
Analysts73.33
Price Target25.35 (6.07%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years0
Div Non Decr Years4
Ex-Date06-16 2025-06-16 (0.3375)
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 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 0.48
EV/EBITDA 1.69
EPS(TTM)14.81
EY61.97%
EPS(NY)17.65
Fwd EY73.86%
FCF(TTM)18.37
FCFY76.86%
OCF(TTM)20.72
OCFY86.69%
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%