INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-K - CA45823T8178
24.59 CAD
-0.29 (-1.17%)
We assign a fundamental rating of 5 out of 10 to IFC-PR-K. IFC-PR-K was compared to 81 industry peers in the Insurance industry. While IFC-PR-K is still in line with the averages on profitability rating, there are concerns on its financial health. IFC-PR-K 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-K was profitable.
IFC-PR-K had a positive operating cash flow in the past year.
In the past 5 years IFC-PR-K has always been profitable.
In the past 5 years IFC-PR-K 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-K belongs to the top of the industry, outperforming 86.25% of the companies in the same industry.
With a decent Return On Equity value of 12.11%, IFC-PR-K is doing good in the industry, outperforming 73.75% of the companies in the same industry.
IFC-PR-K has a Return On Invested Capital of 5.87%. This is amongst the best in the industry. IFC-PR-K outperforms 93.75% 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
The Profit Margin of IFC-PR-K (8.61%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of IFC-PR-K has grown nicely.
The Operating Margin of IFC-PR-K (16.63%) is better than 75.00% of its industry peers.
IFC-PR-K'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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC-PR-K is destroying value.
IFC-PR-K has more shares outstanding than it did 5 years ago.
2.2 Solvency
IFC-PR-K has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.55, IFC-PR-K is in the better half of the industry, outperforming 66.25% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that IFC-PR-K is not too dependend on debt financing.
IFC-PR-K has a better Debt to Equity ratio (0.28) than 61.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.81
WACC7.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 2.50% over the past year.
Measured over the past years, IFC-PR-K shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
The Revenue has been growing slightly by 4.15% in the past year.
Measured over the past years, IFC-PR-K shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.
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
IFC-PR-K is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.32% yearly.
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
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.
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 1.62, the valuation of IFC-PR-K can be described as very cheap.
93.75% of the companies in the same industry are more expensive than IFC-PR-K, based on the Price/Earnings ratio.
IFC-PR-K's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
A Price/Forward Earnings ratio of 1.40 indicates a rather cheap valuation of IFC-PR-K.
93.75% of the companies in the same industry are more expensive than IFC-PR-K, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of IFC-PR-K to the average of the S&P500 Index (22.55), we can say IFC-PR-K is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.62 | ||
| Fwd PE | 1.4 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-K is valued cheaply inside the industry as 91.25% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC-PR-K indicates a somewhat cheap valuation: IFC-PR-K is cheaper than 70.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.25 | ||
| EV/EBITDA | 1.55 |
4.3 Compensation for Growth
IFC-PR-K'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-K 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
IFC-PR-K has a Yearly Dividend Yield of 5.55%, which is a nice return.
IFC-PR-K's Dividend Yield is rather good when compared to the industry average which is at 3.90. IFC-PR-K pays more dividend than 97.50% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, IFC-PR-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
5.2 History
IFC-PR-K has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
IFC-PR-K pays out 42.76% of its income as dividend. 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 1/4 PERP
TSX:IFC-PR-K (10/31/2025, 7:00:00 PM)
24.59
-0.29 (-1.17%)
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 Cap4.37B
Revenue(TTM)27.03B
Net Income(TTM)2.33B
Analysts73.33
Price Target30.58 (24.36%)
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 Years2
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)4
Avg Revenue beat(12)1.79%
Revenue beat(16)8
Avg Revenue beat(16)7.33%
PT rev (1m)5.92%
PT rev (3m)19.96%
EPS NQ rev (1m)6.42%
EPS NQ rev (3m)6.71%
EPS NY rev (1m)0%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.62 | ||
| Fwd PE | 1.4 | ||
| P/S | 0.16 | ||
| P/FCF | 1.25 | ||
| P/OCF | 1.12 | ||
| P/B | 0.23 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | 1.55 |
EPS(TTM)15.18
EY61.73%
EPS(NY)17.52
Fwd EY71.25%
FCF(TTM)19.74
FCFY80.28%
OCF(TTM)21.91
OCFY89.08%
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
WACC7.27%
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 1/4 PERP / IFC-PR-K.CA FAQ
What is the fundamental rating for IFC-PR-K stock?
ChartMill assigns a fundamental rating of 5 / 10 to IFC-PR-K.CA.
Can you provide the valuation status for INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP?
ChartMill assigns a valuation rating of 8 / 10 to INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA). This can be considered as Undervalued.
What is the profitability of IFC-PR-K stock?
INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) has a profitability rating of 6 / 10.
What is the valuation of INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) is 1.62 and the Price/Book (PB) ratio is 0.23.
What is the financial health of INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) stock?
The financial health rating of INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) is 3 / 10.