INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) Stock Fundamental Analysis
TSX:IFC-PR-K - Toronto Stock Exchange - CA45823T8178 - Currency: CAD
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. There are concerns on the financial health of IFC-PR-K while its profitability can be described as average. IFC-PR-K scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year IFC-PR-K was profitable.
In the past year IFC-PR-K had a positive cash flow from operations.
Each year in the past 5 years IFC-PR-K has been profitable.
IFC-PR-K had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.65%, IFC-PR-K belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
IFC-PR-K's Return On Equity of 11.78% is fine compared to the rest of the industry. IFC-PR-K outperforms 72.84% of its industry peers.
The Return On Invested Capital of IFC-PR-K (5.49%) is better than 95.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 11.78% | ||
| ROIC | 5.49% |
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's Profit Margin of 8.24% is in line compared to the rest of the industry. IFC-PR-K outperforms 43.21% of its industry peers.
IFC-PR-K's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 15.65%, IFC-PR-K is doing good in the industry, outperforming 66.67% 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 | 15.65% | ||
| PM (TTM) | 8.24% | ||
| 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-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 1.67. This is a very positive value and a sign of high solvency as it would only need 1.67 years to pay back of all of its debts.
IFC-PR-K has a Debt to FCF ratio of 1.67. This is in the better half of the industry: IFC-PR-K outperforms 62.96% of its industry peers.
IFC-PR-K has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
IFC-PR-K has a Debt to Equity ratio of 0.29. This is comparable to the rest of the industry: IFC-PR-K outperforms 46.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 1.67 | ||
| Altman-Z | N/A |
ROIC/WACC0.76
WACC7.26%
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 grown by an impressive 20.90% over the past year.
IFC-PR-K 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-K shows a small growth in Revenue. In the last year, the Revenue has grown by 4.57%.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
EPS 1Y (TTM)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%
3.2 Future
Based on estimates for the next years, IFC-PR-K will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.40% on average per year.
IFC-PR-K is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.74% yearly.
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
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
IFC-PR-K is valuated cheaply with a Price/Earnings ratio of 1.59.
IFC-PR-K's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-K is cheaper than 92.59% of the companies in the same industry.
IFC-PR-K is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 1.33, the valuation of IFC-PR-K can be described as very cheap.
Based on the Price/Forward Earnings ratio, IFC-PR-K is valued cheaper than 92.59% of the companies in the same industry.
IFC-PR-K is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.59 | ||
| Fwd PE | 1.33 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-K is valued cheaper than 90.12% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC-PR-K is valued a bit cheaper than 61.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.28 | ||
| EV/EBITDA | 1.67 |
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)0.11
PEG (5Y)0.09
EPS Next 2Y10.6%
EPS Next 3Y9.4%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.00%, IFC-PR-K is a good candidate for dividend investing.
IFC-PR-K's Dividend Yield is rather good when compared to the industry average which is at 5.24. IFC-PR-K pays more dividend than 98.77% 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 | 6% |
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
44.07% of the earnings are spent on dividend by IFC-PR-K. This is a bit on the high side, but may be sustainable.
DP44.07%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP
TSX:IFC-PR-K (7/11/2025, 7:00:00 PM)
23.5
-0.05 (-0.21%)
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 Cap4.19B
Analysts73.33
Price Target22.51 (-4.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP44.07%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.77%
Min EPS beat(2)12.33%
Max EPS beat(2)13.21%
EPS beat(4)4
Avg EPS beat(4)47.53%
Min EPS beat(4)12.33%
Max EPS beat(4)128.05%
EPS beat(8)7
Avg EPS beat(8)31.73%
EPS beat(12)10
Avg EPS beat(12)22.78%
EPS beat(16)14
Avg EPS beat(16)26.26%
Revenue beat(2)0
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-1.86%
Max Revenue beat(2)-0.6%
Revenue beat(4)0
Avg Revenue beat(4)-2.24%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)-0.6%
Revenue beat(8)2
Avg Revenue beat(8)-1.31%
Revenue beat(12)5
Avg Revenue beat(12)5.52%
Revenue beat(16)9
Avg Revenue beat(16)8.04%
PT rev (1m)0%
PT rev (3m)-6.74%
EPS NQ rev (1m)0.44%
EPS NQ rev (3m)-0.4%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)-0.68%
Revenue NQ rev (3m)2.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.59 | ||
| Fwd PE | 1.33 | ||
| P/S | 0.16 | ||
| P/FCF | 1.28 | ||
| P/OCF | 1.13 | ||
| P/B | 0.22 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | 1.67 |
EPS(TTM)14.81
EY63.02%
EPS(NY)17.65
Fwd EY75.11%
FCF(TTM)18.37
FCFY78.17%
OCF(TTM)20.72
OCFY88.17%
SpS150.36
BVpS105.24
TBVpS50.26
PEG (NY)0.11
PEG (5Y)0.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.65% | ||
| ROE | 11.78% | ||
| ROCE | 7.14% | ||
| ROIC | 5.49% | ||
| ROICexc | 5.62% | ||
| ROICexgc | 7.67% | ||
| OM | 15.65% | ||
| PM (TTM) | 8.24% | ||
| GM | N/A | ||
| FCFM | 12.22% |
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 | 0.29 | ||
| Debt/FCF | 1.67 | ||
| Debt/EBITDA | 1.11 | ||
| Cap/Depr | 57.01% | ||
| Cap/Sales | 1.56% | ||
| Interest Coverage | 19.08 | ||
| Cash Conversion | 74.92% | ||
| Profit Quality | 148.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.26%
ROIC/WACC0.76
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)20.9%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%10.47%
EPS Next Y14.8%
EPS Next 2Y10.6%
EPS Next 3Y9.4%
EPS Next 5YN/A
Revenue 1Y (TTM)4.57%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.95%
Revenue Next Year6.86%
Revenue Next 2Y6.49%
Revenue Next 3Y9.74%
Revenue Next 5YN/A
EBIT growth 1Y26.57%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y47.37%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y38.96%
OCF growth 3Y2.49%
OCF growth 5Y21.3%