INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC-PR-I - CA45823T8582
24.95 CAD
+0.05 (+0.2%)
Taking everything into account, IFC-PR-I scores 5 out of 10 in our fundamental rating. IFC-PR-I was compared to 80 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
1. Profitability
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.
Each year in the past 5 years IFC-PR-I has been profitable.
IFC-PR-I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC-PR-I has a Return On Assets of 4.73%. This is amongst the best in the industry. IFC-PR-I outperforms 91.25% 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 87.50% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.85%, IFC-PR-I belongs to the top of the industry, outperforming 91.25% of the companies in the same industry.
| 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 (11.20%) which 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 better Operating Margin (20.28%) than 71.25% of its industry peers.
IFC-PR-I's Operating Margin has improved in the last couple of years.
| 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
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 1.34, 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.
The Debt to FCF ratio of IFC-PR-I (1.34) is better than 73.75% of its industry peers.
IFC-PR-I has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
IFC-PR-I has a Debt to Equity ratio (0.27) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.95
WACC7.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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.
The Revenue has decreased by -1.02% 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 18.42% yearly.
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
IFC-PR-I is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.44% yearly.
The Revenue is expected to grow by 5.86% on average over the next years.
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
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
A Price/Earnings ratio of 1.34 indicates a rather cheap valuation of IFC-PR-I.
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 is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
IFC-PR-I is valuated cheaply with a Price/Forward Earnings ratio of 1.42.
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 90.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.12, IFC-PR-I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.34 | ||
| Fwd PE | 1.42 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-I is valued cheaper than 87.50% of the companies in the same industry.
IFC-PR-I's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. IFC-PR-I is 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
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 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.49%, IFC-PR-I is a good candidate for dividend investing.
IFC-PR-I's Dividend Yield is comparable with the industry average which is at 4.36.
IFC-PR-I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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 (11/26/2025, 7:00:00 PM)
24.95
+0.05 (+0.2%)
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 (17.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years0
Div Non Decr Years4
Ex-Date
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)-5.55%
PT rev (3m)2.24%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)1.34%
EPS NY rev (3m)8.74%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.34 | ||
| 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)18.63
EY74.67%
EPS(NY)17.54
Fwd EY70.29%
FCF(TTM)22.88
FCFY91.69%
OCF(TTM)25.14
OCFY100.78%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.05
PEG (5Y)0.07
Graham Number217
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
WACC7.22%
ROIC/WACC0.95
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 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%6.54%
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 5 / 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 6 / 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 5 / 10 and the dividend payout ratio is 34.08%.