INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:IFC-PR-K • CA45823T8178
23.65 CAD
+0.05 (+0.21%)
Last: Jan 30, 2026, 07:00 PM
Overall IFC-PR-K gets a fundamental rating of 5 out of 10. We evaluated IFC-PR-K against 80 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 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.
- IFC-PR-K had a positive operating cash flow in the past year.
- Each year in the past 5 years IFC-PR-K has been profitable.
- In the past 5 years IFC-PR-K always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of IFC-PR-K (4.73%) is better than 95.00% of its industry peers.
- Looking at the Return On Equity, with a value of 14.93%, IFC-PR-K belongs to the top of the industry, outperforming 91.25% of the companies in the same industry.
- IFC-PR-K has a Return On Invested Capital of 6.85%. This is amongst the best in the industry. IFC-PR-K outperforms 96.25% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With a Profit Margin value of 11.20%, IFC-PR-K perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
- In the last couple of years the Profit Margin of IFC-PR-K has grown nicely.
- The Operating Margin of IFC-PR-K (20.28%) 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 | 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
2. Health
2.1 Basic Checks
- IFC-PR-K has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- IFC-PR-K has more shares outstanding than it did 5 years ago.
2.2 Solvency
- The Debt to FCF ratio of IFC-PR-K is 1.34, which is an excellent value as it means it would take IFC-PR-K, only 1.34 years of fcf income to pay off all of its debts.
- IFC-PR-K has a Debt to FCF ratio of 1.34. This is in the better half of the industry: IFC-PR-K outperforms 77.50% of its industry peers.
- IFC-PR-K has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of IFC-PR-K (0.27) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.93
WACC7.36%
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 35.79% 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 decrease in Revenue. In the last year, the revenue decreased by -1.02%.
- IFC-PR-K shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.
EPS 1Y (TTM)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
3.2 Future
- The Earnings Per Share is expected to grow by 9.35% 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 6.08% on average per year.
EPS Next Y28.34%
EPS Next 2Y10.65%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
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 1.27, the valuation of IFC-PR-K can be described as very cheap.
- IFC-PR-K's Price/Earnings ratio is rather cheap when compared to the industry. IFC-PR-K is cheaper than 95.00% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, IFC-PR-K is valued rather cheaply.
- IFC-PR-K is valuated cheaply with a Price/Forward Earnings ratio of 1.34.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC-PR-K indicates a rather cheap valuation: IFC-PR-K is cheaper than 96.25% of the companies listed in the same industry.
- IFC-PR-K is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.27 | ||
| Fwd PE | 1.34 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, IFC-PR-K is valued cheaply inside the industry as 93.75% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, IFC-PR-K is valued cheaply inside the industry as 93.75% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.03 | ||
| EV/EBITDA | 1.24 |
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.
- IFC-PR-K has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.04
PEG (5Y)0.07
EPS Next 2Y10.65%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.15%, IFC-PR-K has a reasonable but not impressive dividend return.
- IFC-PR-K's Dividend Yield is slightly below the industry average, which is at 3.51.
- IFC-PR-K's Dividend Yield is comparable with the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
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
- 34.08% of the earnings are spent on dividend by IFC-PR-K. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.65%
EPS Next 3Y9.35%
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.
What is the valuation status for IFC-PR-K stock?
ChartMill assigns a valuation rating of 9 / 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 earnings growth outlook for INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP?
The Earnings per Share (EPS) of INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) is expected to grow by 28.34% in the next year.
Can you provide the dividend sustainability for IFC-PR-K stock?
The dividend rating of INTACT FINANCIAL CORP - IFCCN 5 1/4 PERP (IFC-PR-K.CA) is 5 / 10 and the dividend payout ratio is 34.08%.