INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) Stock Fundamental Analysis
Canada - TSX:IFC-PR-K - CA45823T8178
24.03 CAD
+0.25 (+1.05%)
IFC-PR-K gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 77 industry peers in the Insurance industry. There are concerns on the financial health of IFC-PR-K while its profitability can be described as average. IFC-PR-K is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
IFC-PR-K had positive earnings in the past year.
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
IFC-PR-K has a Return On Assets of 3.82%. This is amongst the best in the industry. IFC-PR-K outperforms 83.12% of its industry peers.
Looking at the Return On Equity, with a value of 12.11%, IFC-PR-K is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
With an excellent Return On Invested Capital value of 5.87%, IFC-PR-K belongs to the best of the industry, outperforming 94.81% of the companies in the same industry.
| 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-K has a Profit Margin (8.61%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of IFC-PR-K has grown nicely.
Looking at the Operating Margin, with a value of 16.63%, IFC-PR-K is in the better half of the industry, outperforming 74.03% of the companies in the same industry.
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.
The number of shares outstanding for IFC-PR-K has been increased compared to 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.
IFC-PR-K's Debt to FCF ratio of 1.55 is fine compared to the rest of the industry. IFC-PR-K outperforms 66.23% of its industry peers.
IFC-PR-K has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.28, IFC-PR-K is in the better half of the industry, outperforming 61.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.79
WACC7.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC-PR-K shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.50%.
The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
Looking at the last year, IFC-PR-K shows a small growth in Revenue. The Revenue has grown by 4.15% in the last 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
The Earnings Per Share is expected to grow by 9.33% on average over the next years. This is quite good.
Based on estimates for the next years, IFC-PR-K will show a small growth in Revenue. The Revenue will grow by 6.11% on average per year.
EPS Next Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
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
With a Price/Earnings ratio of 1.58, the valuation of IFC-PR-K can be described as very cheap.
90.91% of the companies in the same industry are more expensive than IFC-PR-K, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.41, IFC-PR-K is valued rather cheaply.
With a Price/Forward Earnings ratio of 1.37, the valuation of IFC-PR-K can be described as very cheap.
90.91% of the companies in the same industry are more expensive than IFC-PR-K, based on the Price/Forward Earnings ratio.
IFC-PR-K's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.58 | ||
| Fwd PE | 1.37 |
4.2 Price Multiples
IFC-PR-K's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IFC-PR-K is cheaper than 88.31% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-K is valued a bit cheaper than 67.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.22 | ||
| EV/EBITDA | 1.53 |
4.3 Compensation for Growth
The 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 2Y10.3%
EPS Next 3Y9.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.90%, IFC-PR-K has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.91, IFC-PR-K is paying slightly less dividend.
IFC-PR-K's Dividend Yield is slightly below the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.9% |
5.2 History
IFC-PR-K has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
42.76% of the earnings are spent on dividend by IFC-PR-K. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP
TSX:IFC-PR-K (9/17/2025, 7:00:00 PM)
24.03
+0.25 (+1.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners55.57%
Inst Owner ChangeN/A
Ins Owners0.32%
Ins Owner ChangeN/A
Market Cap4.28B
Analysts72.94
Price Target28.87 (20.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.9% |
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)2.26%
PT rev (3m)28.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.27%
EPS NY rev (1m)7.49%
EPS NY rev (3m)7.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.62%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)-1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.58 | ||
| Fwd PE | 1.37 | ||
| P/S | 0.16 | ||
| P/FCF | 1.22 | ||
| P/OCF | 1.1 | ||
| P/B | 0.22 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | 1.53 |
EPS(TTM)15.18
EY63.17%
EPS(NY)17.56
Fwd EY73.06%
FCF(TTM)19.69
FCFY81.94%
OCF(TTM)21.85
OCFY90.93%
SpS151.62
BVpS107.8
TBVpS53.62
PEG (NY)0.07
PEG (5Y)0.09
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
ROICexcg growth 3Y18.12%
ROICexcg 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
WACC7.43%
ROIC/WACC0.79
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 Y23.39%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.97%
Revenue Next 2Y5.59%
Revenue Next 3Y6.11%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
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%