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

TSX:IFC-PR-I • CA45823T8582

24.6 CAD

+0.48 (+1.99%)

Last: Mar 11, 2026, 07:00 PM

Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This IFC-PR-I.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

IFC-PR-I gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. IFC-PR-I scores excellent on profitability, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on IFC-PR-I. IFC-PR-I also has an excellent dividend rating.

Quickly go to:

1. Profitability 2. Health 3. Growth 4. Valuation 5. Dividend

1. IFC-PR-I.CA Profitability Analysis

1.1 Basic Checks

In the past year IFC-PR-I was profitable.
In the past year IFC-PR-I had a positive cash flow from operations.
IFC-PR-I had positive earnings in each of the past 5 years.
In the past 5 years IFC-PR-I always reported a positive cash flow from operatings.

1.2 Ratios

IFC-PR-I has a better Return On Assets (5.21%) than 93.75% of its industry peers.
IFC-PR-I has a Return On Equity of 15.72%. This is amongst the best in the industry. IFC-PR-I outperforms 90.00% of its industry peers.
With an excellent Return On Invested Capital value of 7.52%, IFC-PR-I belongs to the best of the industry, outperforming 93.75% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	5.21%
ROE	15.72%
ROIC	7.52%

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 12.01%, IFC-PR-I is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
In the last couple of years the Profit Margin of IFC-PR-I has grown nicely.
IFC-PR-I's Operating Margin of 21.11% is fine compared to the rest of the industry. IFC-PR-I outperforms 72.50% of its industry peers.
In the last couple of years the Operating Margin of IFC-PR-I has grown nicely.

		Industry Rank	Sector Rank
OM	21.11%
PM (TTM)	12.01%
GM	N/A

OM growth 3Y13.12%

OM growth 5Y8.13%

PM growth 3Y2.63%

PM growth 5Y7.96%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. IFC-PR-I.CA Health Analysis

2.1 Basic Checks

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so IFC-PR-I is still creating some value.
IFC-PR-I has less shares outstanding than it did 1 year ago.
IFC-PR-I has more shares outstanding than it did 5 years ago.
IFC-PR-I has a better debt/assets ratio than last year.

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 73.75% of the companies in the same industry.
A Debt/Equity ratio of 0.25 indicates that IFC-PR-I is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.25, IFC-PR-I belongs to the best of the industry, outperforming 85.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	1.34
Altman-Z	N/A

ROIC/WACC1.33

WACC5.65%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. IFC-PR-I.CA Growth Analysis

3.1 Past

The Earnings Per Share has grown by an impressive 33.06% over the past year.
The Earnings Per Share has been growing by 14.12% on average over the past years. This is quite good.
The Revenue has been growing slightly by 2.93% in the past year.
IFC-PR-I shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.74% yearly.

EPS 1Y (TTM)33.06%

EPS 3Y17.35%

EPS 5Y14.12%

EPS Q2Q%11.56%

Revenue 1Y (TTM)2.93%

Revenue growth 3Y8.62%

Revenue growth 5Y16.74%

Sales Q2Q%6.15%

3.2 Future

IFC-PR-I is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.86% yearly.
IFC-PR-I is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.50% yearly.

EPS Next Y-7.98%

EPS Next 2Y-0.86%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.5%

Revenue Next 2Y6.19%

Revenue Next 3Y5.5%

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.

More info and screens

Find the best growth stocks Show best growing peers

4. IFC-PR-I.CA Valuation Analysis

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 1.28 indicates a rather cheap valuation of IFC-PR-I.
IFC-PR-I's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-I is cheaper than 92.50% 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 25.70.
IFC-PR-I is valuated cheaply with a Price/Forward Earnings ratio of 1.39.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-I indicates a rather cheap valuation: IFC-PR-I is cheaper than 93.75% of the companies listed in the same industry.
IFC-PR-I is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	1.28
Fwd PE	1.39

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 92.50% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-I is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	1.11
EV/EBITDA	1.24

4.3 Compensation for Growth

The decent profitability rating of IFC-PR-I may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.09

EPS Next 2Y-0.86%

EPS Next 3YN/A

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. IFC-PR-I.CA Dividend Analysis

5.1 Amount

IFC-PR-I has a Yearly Dividend Yield of 5.43%, which is a nice return.
IFC-PR-I's Dividend Yield is a higher than the industry average which is at 3.81.
IFC-PR-I's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.

		Industry Rank	Sector Rank
Dividend Yield	5.43%

5.2 History

The dividend of IFC-PR-I is nicely growing with an annual growth rate of 15.73%!
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)15.73%

Div Incr Years0

Div Non Decr Years4

5.3 Sustainability

IFC-PR-I pays out 31.66% of its income as dividend. This is a sustainable payout ratio.

DP31.66%

EPS Next 2Y-0.86%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks Show peers with best dividend

IFC-PR-I.CA Fundamentals: All Metrics, Ratios and Statistics

INTACT FINANCIAL CORP - IFCCN 5.4 PERP

TSX:IFC-PR-I (3/11/2026, 7:00:00 PM)

24.6

+0.48 (+1.99%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-10 2026-02-10/amc

Earnings (Next)05-05 2026-05-05

Inst Owners46.32%

Inst Owner ChangeN/A

Ins Owners0.33%

Ins Owner ChangeN/A

Market Cap4.37B

Revenue(TTM)27.28B

Net Income(TTM)3.27B

Analysts75.56

Price Target30.54 (24.15%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.43%

Yearly Dividend5.83

Dividend Growth(5Y)15.73%

DP31.66%

Div Incr Years0

Div Non Decr Years4

Ex-Date03-17 2026-03-17 (0.3375)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)12.29%

Min EPS beat(2)7.9%

Max EPS beat(2)16.68%

EPS beat(4)4

Avg EPS beat(4)16.77%

Min EPS beat(4)7.9%

Max EPS beat(4)30.16%

EPS beat(8)8

Avg EPS beat(8)31.32%

EPS beat(12)11

Avg EPS beat(12)25.92%

EPS beat(16)14

Avg EPS beat(16)21.3%

Revenue beat(2)1

Avg Revenue beat(2)0.62%

Min Revenue beat(2)-0.41%

Max Revenue beat(2)1.66%

Revenue beat(4)1

Avg Revenue beat(4)-0.88%

Min Revenue beat(4)-2.9%

Max Revenue beat(4)1.66%

Revenue beat(8)2

Avg Revenue beat(8)-1.26%

Revenue beat(12)4

Avg Revenue beat(12)1.22%

Revenue beat(16)8

Avg Revenue beat(16)8.67%

PT rev (1m)-3.44%

PT rev (3m)3.73%

EPS NQ rev (1m)0.14%

EPS NQ rev (3m)0.28%

EPS NY rev (1m)0%

EPS NY rev (3m)0.08%

Revenue NQ rev (1m)-0.52%

Revenue NQ rev (3m)-0.52%

Revenue NY rev (1m)-0.41%

Revenue NY rev (3m)-0.41%

Valuation

		Industry Rank	Sector Rank
PE	1.28
Fwd PE	1.39
P/S	0.16
P/FCF	1.11
P/OCF	1
P/B	0.21
P/tB	0.4
EV/EBITDA	1.24

EPS(TTM)19.2

EY78.05%

EPS(NY)17.67

Fwd EY71.82%

FCF(TTM)22.13

FCFY89.96%

OCF(TTM)24.7

OCFY100.42%

SpS153.56

BVpS117.3

TBVpS62.19

PEG (NY)N/A

PEG (5Y)0.09

Graham Number225.11

Profitability

		Industry Rank	Sector Rank
ROA	5.21%
ROE	15.72%
ROCE	9.51%
ROIC	7.52%
ROICexc	7.69%
ROICexgc	10.29%
OM	21.11%
PM (TTM)	12.01%
GM	N/A
FCFM	14.41%

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 3Y15.83%

ROICexgc growth 5Y12.36%

ROICexc growth 3Y16.69%

ROICexc growth 5Y11.57%

OM growth 3Y13.12%

OM growth 5Y8.13%

PM growth 3Y2.63%

PM growth 5Y7.96%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.43

Health

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	1.34
Debt/EBITDA	0.8
Cap/Depr	57.34%
Cap/Sales	1.68%
Interest Coverage	25.37
Cash Conversion	66.94%
Profit Quality	120.03%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC5.65%

ROIC/WACC1.33

Cap/Depr(3y)64.38%

Cap/Depr(5y)67.42%

Cap/Sales(3y)1.69%

Cap/Sales(5y)1.77%

Profit Quality(3y)122.24%

Profit Quality(5y)128.87%

High Growth Momentum

Growth

EPS 1Y (TTM)33.06%

EPS 3Y17.35%

EPS 5Y14.12%

EPS Q2Q%11.56%

EPS Next Y-7.98%

EPS Next 2Y-0.86%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)2.93%

Revenue growth 3Y8.62%

Revenue growth 5Y16.74%

Sales Q2Q%6.15%

Revenue Next Year5.5%

Revenue Next 2Y6.19%

Revenue Next 3Y5.5%

Revenue Next 5YN/A

EBIT growth 1Y39.89%

EBIT growth 3Y22.87%

EBIT growth 5Y26.22%

EBIT Next Year8.2%

EBIT Next 3Y5.94%

EBIT Next 5YN/A

FCF growth 1Y32.89%

FCF growth 3Y6.5%

FCF growth 5Y12.42%

OCF growth 1Y29.55%

OCF growth 3Y6.19%

OCF growth 5Y13.28%

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.

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

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 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 1.28 and the Price/Book (PB) ratio is 0.21.

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 7 / 10 and the dividend payout ratio is 31.66%.