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

TSX:IFC-PR-I • CA45823T8582

24.35 CAD
-0.22 (-0.9%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
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 76 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. IFC-PR-I is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • IFC-PR-I had positive earnings in the past year.
  • In the past year IFC-PR-I had a positive cash flow from operations.
  • IFC-PR-I had positive earnings in 4 of the past 5 years.
  • Of the past 5 years IFC-PR-I 4 years 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

  • The Return On Assets of IFC-PR-I (4.73%) is better than 92.11% of its industry peers.
  • IFC-PR-I has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC-PR-I outperforms 89.47% of its industry peers.
  • IFC-PR-I's Return On Invested Capital of 6.85% is amongst the best of the industry. IFC-PR-I outperforms 93.42% 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

  • IFC-PR-I's Profit Margin of 11.20% is in line compared to the rest of the industry. IFC-PR-I outperforms 55.26% 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 20.28%, IFC-PR-I is in the better half of the industry, outperforming 71.05% 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 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

3

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.
  • There is no outstanding debt for IFC-PR-I. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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

  • IFC-PR-I has a debt to FCF ratio of 1.34. This is a very positive value and a sign of high solvency as it would only need 1.34 years to pay back of all of its debts.
  • IFC-PR-I's Debt to FCF ratio of 1.34 is fine compared to the rest of the industry. IFC-PR-I outperforms 73.68% 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 of 0.27. This is comparable to the rest of the industry: IFC-PR-I outperforms 50.00% of its industry peers.
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

3

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 32.03%, 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 13.94% yearly.
EPS 1Y (TTM)32.03%
EPS 3Y17.05%
EPS 5Y13.94%
EPS Q2Q%8.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.48%

3.2 Future

  • The Earnings Per Share is expected to decrease by -0.48% on average over the next years.
  • The Revenue is expected to grow by 6.49% on average over the next years.
EPS Next Y-7.26%
EPS Next 2Y-0.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.92%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
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.
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

8

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 1.28 indicates a rather cheap valuation of IFC-PR-I.
  • Based on the Price/Earnings ratio, IFC-PR-I is valued cheaper than 92.11% of the companies in the same industry.
  • IFC-PR-I is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 1.38 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 93.42% of the companies are valued more expensively.
  • IFC-PR-I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 1.28
Fwd PE 1.38
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 90.79% 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 88.16% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.06
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

  • 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-0.48%
EPS Next 3YN/A

More info and screens

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.26%, IFC-PR-I has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 2.26, IFC-PR-I pays less dividend than the industry average, which is at 3.93. 81.58% of the companies listed in the same industry pay a better dividend than IFC-PR-I!
  • Compared to an average S&P500 Dividend Yield of 1.85, IFC-PR-I pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.26%

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 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y-0.48%
EPS Next 3YN/A
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

More info and screens

Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP - IFCCN 5.4 PERP

TSX:IFC-PR-I (2/20/2026, 7:00:00 PM)

24.35

-0.22 (-0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap4.33B
Revenue(TTM)N/A
Net Income(TTM)2.98B
Analysts75.56
Price Target31.62 (29.86%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.26%
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)7.42%
PT rev (3m)8.1%
EPS NQ rev (1m)0.64%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)2.81%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 1.28
Fwd PE 1.38
P/S 0.16
P/FCF 1.06
P/OCF 0.97
P/B 0.22
P/tB 0.43
EV/EBITDA 1.27
EPS(TTM)19.05
EY78.23%
EPS(NY)17.67
Fwd EY72.56%
FCF(TTM)22.88
FCFY93.98%
OCF(TTM)25.15
OCFY103.3%
SpS149.79
BVpS112.38
TBVpS57.24
PEG (NY)N/A
PEG (5Y)0.09
Graham Number219.47
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)32.03%
EPS 3Y17.05%
EPS 5Y13.94%
EPS Q2Q%8.57%
EPS Next Y-7.26%
EPS Next 2Y-0.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.48%
Revenue Next Year5.92%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
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 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 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 0.22.


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 4 / 10 and the dividend payout ratio is 34.08%.