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

Canada • Toronto Stock Exchange • TSX:IFC-PR-I • CA45823T8582

24.54 CAD
-0.06 (-0.24%)
Last: Feb 6, 2026, 07:00 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to IFC-PR-I. IFC-PR-I was compared to 80 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-I.


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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

  • IFC-PR-I has a better Return On Assets (4.73%) than 92.50% 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 90.00% of the companies in the same industry.
  • The Return On Invested Capital of IFC-PR-I (6.85%) is better than 93.75% of its industry peers.
Industry RankSector 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
IFC-PR-I.CA Yearly ROA, ROE, ROICIFC-PR-I.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • The Profit Margin of IFC-PR-I (11.20%) is comparable to the rest of the industry.
  • IFC-PR-I's Profit Margin has improved in the last couple of years.
  • IFC-PR-I has a Operating Margin of 20.28%. This is in the better half of the industry: IFC-PR-I outperforms 73.75% of its industry peers.
  • In the last couple of years the Operating Margin of IFC-PR-I has grown nicely.
Industry RankSector 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
IFC-PR-I.CA Yearly Profit, Operating, Gross MarginsIFC-PR-I.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • IFC-PR-I has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 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 2016 2017 2018 2019 2020 2021 2022 2024 20B 40B 60B

2.2 Solvency

  • The Debt to FCF ratio of IFC-PR-I is 1.34, which is an excellent value as it means it would take IFC-PR-I, only 1.34 years of fcf income to pay off 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 76.25% 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 (0.27) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC0.93
WACC7.37%
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 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 2016 2017 2018 2019 2020 2021 2022 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
  • The Revenue has decreased by -1.02% in the past year.
  • Measured over the past years, IFC-PR-I shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.
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.
  • Based on estimates for the next years, IFC-PR-I will show a small growth in Revenue. The Revenue will grow by 6.08% on average per year.
EPS Next Y28.34%
EPS Next 2Y10.65%
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

  • 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.
IFC-PR-I.CA Yearly Revenue VS EstimatesIFC-PR-I.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 1.32, 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 92.50% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of IFC-PR-I to the average of the S&P500 Index (27.92), we can say IFC-PR-I is valued rather cheaply.
  • The Price/Forward Earnings ratio is 1.39, which indicates a rather cheap valuation of IFC-PR-I.
  • Based on the Price/Forward Earnings ratio, IFC-PR-I is valued cheaply inside the industry as 93.75% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of IFC-PR-I to the average of the S&P500 Index (27.78), we can say IFC-PR-I is valued rather cheaply.
Industry RankSector Rank
PE 1.32
Fwd PE 1.39
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

  • 91.25% 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 cheaper than 90.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.07
EV/EBITDA 1.27
IFC-PR-I.CA Per share dataIFC-PR-I.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

  • IFC-PR-I's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of IFC-PR-I may justify a higher PE ratio.
PEG (NY)0.05
PEG (5Y)0.07
EPS Next 2Y10.65%
EPS Next 3Y9.35%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.15%, IFC-PR-I has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.50, IFC-PR-I's dividend is way lower than its industry peers. On top of this 81.25% of the companies listed in the same industry pay a better dividend than IFC-PR-I!
  • IFC-PR-I's Dividend Yield is comparable with the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.15%

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

  • 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 2Y10.65%
EPS Next 3Y9.35%
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 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

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Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP - IFCCN 5.4 PERP

TSX:IFC-PR-I (2/6/2026, 7:00:00 PM)

24.54

-0.06 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-10
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.36B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target29.44 (19.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.15%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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%
PT rev (3m)-4.96%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)0.67%
EPS NY rev (1m)0.01%
EPS NY rev (3m)4.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 1.32
Fwd PE 1.39
P/S 0.16
P/FCF 1.07
P/OCF 0.98
P/B 0.22
P/tB 0.43
EV/EBITDA 1.27
EPS(TTM)18.63
EY75.92%
EPS(NY)17.67
Fwd EY72%
FCF(TTM)22.88
FCFY93.22%
OCF(TTM)25.14
OCFY102.46%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.05
PEG (5Y)0.07
Graham Number217
Profitability
Industry RankSector 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 RankSector 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
WACC7.37%
ROIC/WACC0.93
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 Y28.34%
EPS Next 2Y10.65%
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.


Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 5.4 PERP?

ChartMill assigns a valuation rating of 9 / 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 valuation of INTACT FINANCIAL CORP - IFCCN 5.4 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) is 1.32 and the Price/Book (PB) ratio is 0.22.


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 3 / 10 and the dividend payout ratio is 34.08%.