INTACT FINANCIAL CORP - IFCCN 5.4 PERP (IFC-PR-I.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-I - CA45823T8582
25.39 CAD
+0.25 (+0.99%)
Overall IFC-PR-I gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-I against 81 industry peers in the Insurance industry. While IFC-PR-I is still in line with the averages on profitability rating, there are concerns on its financial health. IFC-PR-I is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
Each year in the past 5 years IFC-PR-I has been profitable.
In the past 5 years IFC-PR-I always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.82%, IFC-PR-I belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
IFC-PR-I has a better Return On Equity (12.11%) than 69.14% of its industry peers.
The Return On Invested Capital of IFC-PR-I (5.87%) is better than 91.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROIC | 5.87% |
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 worse Profit Margin (8.61%) than 60.49% of its industry peers.
IFC-PR-I's Profit Margin has improved in the last couple of years.
IFC-PR-I has a better Operating Margin (16.63%) than 71.60% of its industry peers.
IFC-PR-I's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| 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.
The number of shares outstanding for IFC-PR-I has been increased compared to 5 years ago.
2.2 Solvency
The Debt to FCF ratio of IFC-PR-I is 1.55, which is an excellent value as it means it would take IFC-PR-I, only 1.55 years of fcf income to pay off all of its debts.
IFC-PR-I has a Debt to FCF ratio of 1.55. This is in the better half of the industry: IFC-PR-I outperforms 62.96% of its industry peers.
IFC-PR-I has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.28, IFC-PR-I perfoms like the industry average, outperforming 58.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.81
WACC7.29%
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 small growth in Earnings Per Share. In the last year, the EPS has grown by 2.50%.
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.
IFC-PR-I shows a small growth in Revenue. In the last year, the Revenue has grown by 4.15%.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
EPS 1Y (TTM)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
3.2 Future
The Earnings Per Share is expected to grow by 9.32% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.88% on average over the next years.
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 1.67, the valuation of IFC-PR-I can be described as very cheap.
IFC-PR-I's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-I is cheaper than 90.12% 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 26.13.
The Price/Forward Earnings ratio is 1.45, which indicates a rather cheap valuation of IFC-PR-I.
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 90.12% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.35. IFC-PR-I is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.67 | ||
| Fwd PE | 1.45 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-I is valued cheaper than 87.65% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-I indicates a somewhat cheap valuation: IFC-PR-I is cheaper than 66.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.29 | ||
| EV/EBITDA | 1.58 |
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.
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 2Y10.19%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.55%, IFC-PR-I is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.90, IFC-PR-I pays a better dividend. On top of this IFC-PR-I pays more dividend than 92.59% 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 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
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
42.76% of the earnings are spent on dividend by IFC-PR-I. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
INTACT FINANCIAL CORP - IFCCN 5.4 PERP
TSX:IFC-PR-I (10/31/2025, 7:00:00 PM)
25.39
+0.25 (+0.99%)
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 Cap4.51B
Revenue(TTM)27.03B
Net Income(TTM)2.33B
Analysts73.33
Price Target31.26 (23.12%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.25%
Min EPS beat(2)12.33%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)45.94%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)8
Avg EPS beat(8)36.37%
EPS beat(12)10
Avg EPS beat(12)24.32%
EPS beat(16)14
Avg EPS beat(16)26.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.38%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)-1.86%
Revenue beat(4)0
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)-0.6%
Revenue beat(8)1
Avg Revenue beat(8)-1.81%
Revenue beat(12)5
Avg Revenue beat(12)4.41%
Revenue beat(16)9
Avg Revenue beat(16)9.29%
PT rev (1m)6.56%
PT rev (3m)23.34%
EPS NQ rev (1m)6.42%
EPS NQ rev (3m)4.65%
EPS NY rev (1m)0%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.67 | ||
| Fwd PE | 1.45 | ||
| P/S | 0.17 | ||
| P/FCF | 1.29 | ||
| P/OCF | 1.16 | ||
| P/B | 0.23 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | 1.58 |
EPS(TTM)15.18
EY59.79%
EPS(NY)17.52
Fwd EY69.01%
FCF(TTM)19.74
FCFY77.75%
OCF(TTM)21.91
OCFY86.28%
SpS152
BVpS108.07
TBVpS53.75
PEG (NY)0.07
PEG (5Y)0.09
Graham Number192.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 12.11% | ||
| ROCE | 7.64% | ||
| ROIC | 5.87% | ||
| ROICexc | 6.03% | ||
| ROICexgc | 8.19% | ||
| OM | 16.63% | ||
| PM (TTM) | 8.61% | ||
| GM | N/A | ||
| FCFM | 12.99% |
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 Turnover0.44
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Debt/EBITDA | 1.03 | ||
| Cap/Depr | 50.2% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | 19.8 | ||
| Cash Conversion | 74.02% | ||
| Profit Quality | 150.84% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.29%
ROIC/WACC0.81
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)2.5%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%7.61%
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
EBIT Next 5YN/A
FCF growth 1Y65.8%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y52.33%
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 23.17% 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 42.76%.