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
Taking everything into account, IFC-PR-K scores 5 out of 10 in our fundamental rating. IFC-PR-K was compared to 85 industry peers in the Insurance industry. IFC-PR-K has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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
IFC-PR-K had positive earnings in the past year.
IFC-PR-K had a positive operating cash flow in the past year.
IFC-PR-K had positive earnings in each of the past 5 years.
Each year in the past 5 years IFC-PR-K had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 3.71%, IFC-PR-K belongs to the best of the industry, outperforming 80.23% of the companies in the same industry.
The Return On Equity of IFC-PR-K (12.16%) is better than 76.74% of its industry peers.
The Return On Invested Capital of IFC-PR-K (5.49%) is better than 79.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 12.16% | ||
| 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
Looking at the Profit Margin, with a value of 8.33%, IFC-PR-K is doing worse than 61.63% of the companies in the same industry.
In the last couple of years the Profit Margin of IFC-PR-K has grown nicely.
With a Operating Margin value of 15.53%, IFC-PR-K is not doing good in the industry: 60.47% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of IFC-PR-K has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.53% | ||
| PM (TTM) | 8.33% | ||
| 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 1.85. This is a very positive value and a sign of high solvency as it would only need 1.85 years to pay back of all of its debts.
IFC-PR-K has a Debt to FCF ratio of 1.85. This is in the better half of the industry: IFC-PR-K outperforms 75.58% of its industry peers.
IFC-PR-K has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
IFC-PR-K's Debt to Equity ratio of 0.30 is in line compared to the rest of the industry. IFC-PR-K outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Altman-Z | N/A |
ROIC/WACC0.73
WACC7.57%
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 77.11% 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 19.46% yearly.
Looking at the last year, IFC-PR-K shows a small growth in Revenue. The Revenue has grown by 3.16% in the last year.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
EPS 1Y (TTM)77.11%
EPS 3Y-0.2%
EPS 5Y19.46%
EPS Q2Q%28.61%
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%19.83%
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 10.68% 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 9.37% yearly.
EPS Next Y19.05%
EPS Next 2Y12.4%
EPS Next 3Y10.68%
EPS Next 5YN/A
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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
The Price/Earnings ratio is 1.89, which indicates a rather cheap valuation of IFC-PR-K.
84.88% 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 29.35.
The Price/Forward Earnings ratio is 1.41, which indicates a rather cheap valuation of IFC-PR-K.
IFC-PR-K's Price/Forward Earnings ratio is rather cheap when compared to the industry. IFC-PR-K is cheaper than 88.37% of the companies in the same industry.
IFC-PR-K's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.89 | ||
| Fwd PE | 1.41 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC-PR-K is valued cheaper than 96.51% of the companies in the same industry.
70.93% of the companies in the same industry are more expensive than IFC-PR-K, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.41 | ||
| EV/EBITDA | 1.73 |
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.
PEG (NY)0.1
PEG (5Y)0.1
EPS Next 2Y12.4%
EPS Next 3Y10.68%
5. Dividend
5.1 Amount
IFC-PR-K has a Yearly Dividend Yield of 1.85%.
Compared to an average industry Dividend Yield of 4.24, IFC-PR-K is paying slightly less dividend.
IFC-PR-K's Dividend Yield is slightly below the S&P500 average, which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
5.2 History
On average, the dividend of IFC-PR-K grows each year by 10.80%, which is quite nice.
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)10.8%
Div Incr Years1
Div Non Decr Years2
5.3 Sustainability
43.18% of the earnings are spent on dividend by IFC-PR-K. This is a bit on the high side, but may be sustainable.
IFC-PR-K's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP43.18%
EPS Next 2Y12.4%
EPS Next 3Y10.68%
INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP
TSX:IFC-PR-K (3/6/2025, 7:00:00 PM)
23.43
-0.07 (-0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners54.88%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap4.18B
Analysts74.12
Price Target25.15 (7.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.85% |
Yearly Dividend4.34
Dividend Growth(5Y)10.8%
DP43.18%
Div Incr Years1
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)4.93%
Min Revenue beat(2)-2.19%
Max Revenue beat(2)12.06%
Revenue beat(4)2
Avg Revenue beat(4)1.53%
Min Revenue beat(4)-4.33%
Max Revenue beat(4)12.06%
Revenue beat(8)3
Avg Revenue beat(8)-0.07%
Revenue beat(12)7
Avg Revenue beat(12)10.29%
Revenue beat(16)11
Avg Revenue beat(16)9.79%
PT rev (1m)3.92%
PT rev (3m)6.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.78%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.89 | ||
| Fwd PE | 1.41 | ||
| P/S | 0.16 | ||
| P/FCF | 1.41 | ||
| P/OCF | 1.23 | ||
| P/B | 0.23 | ||
| P/tB | 0.49 | ||
| EV/EBITDA | 1.73 |
EPS(TTM)12.37
EY52.8%
EPS(NY)16.64
Fwd EY71.02%
FCF(TTM)16.59
FCFY70.79%
OCF(TTM)18.99
OCFY81.06%
SpS148.6
BVpS101.76
TBVpS48.12
PEG (NY)0.1
PEG (5Y)0.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.71% | ||
| ROE | 12.16% | ||
| ROCE | 7.15% | ||
| ROIC | 5.49% | ||
| ROICexc | 5.61% | ||
| ROICexgc | 7.63% | ||
| OM | 15.53% | ||
| PM (TTM) | 8.33% | ||
| GM | N/A | ||
| FCFM | 11.16% |
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-ScoreN/A
Asset Turnover0.45
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 1.85 | ||
| Debt/EBITDA | 1.13 | ||
| Cap/Depr | 59.09% | ||
| Cap/Sales | 1.62% | ||
| Interest Coverage | 18.29 | ||
| Cash Conversion | 69.95% | ||
| Profit Quality | 134.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC7.57%
ROIC/WACC0.73
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)77.11%
EPS 3Y-0.2%
EPS 5Y19.46%
EPS Q2Q%28.61%
EPS Next Y19.05%
EPS Next 2Y12.4%
EPS Next 3Y10.68%
EPS Next 5YN/A
Revenue 1Y (TTM)3.16%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%19.83%
Revenue Next Year7.23%
Revenue Next 2Y6.82%
Revenue Next 3Y9.37%
Revenue Next 5YN/A
EBIT growth 1Y31.33%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year14.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y113.11%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y83.48%
OCF growth 3Y2.49%
OCF growth 5Y21.3%