INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis
Canada - TSX:IFC - CA45823T1066 - Common Stock
271.58 CAD
+4.34 (+1.62%)
Taking everything into account, IFC scores 4 out of 10 in our fundamental rating. IFC was compared to 77 industry peers in the Insurance industry. While IFC is still in line with the averages on profitability rating, there are concerns on its financial health. IFC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year IFC was profitable.
IFC had a positive operating cash flow in the past year.
IFC had positive earnings in each of the past 5 years.
IFC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of IFC (3.82%) is better than 76.62% of its industry peers.
IFC's Return On Equity of 12.11% is fine compared to the rest of the industry. IFC outperforms 64.94% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.87%, IFC belongs to the top of the industry, outperforming 88.31% 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
With a Profit Margin value of 8.61%, IFC is not doing good in the industry: 64.94% of the companies in the same industry are doing better.
IFC's Profit Margin has improved in the last couple of years.
IFC's Operating Margin of 16.63% is fine compared to the rest of the industry. IFC outperforms 67.53% of its industry peers.
IFC'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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC is destroying value.
The number of shares outstanding for IFC has been increased compared to 5 years ago.
2.2 Solvency
The Debt to FCF ratio of IFC is 1.55, which is an excellent value as it means it would take IFC, only 1.55 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.55, IFC perfoms like the industry average, outperforming 59.74% of the companies in the same industry.
A Debt/Equity ratio of 0.28 indicates that IFC is not too dependend on debt financing.
IFC has a Debt to Equity ratio (0.28) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.73
WACC8.02%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
IFC 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 shows a small growth in Revenue. The Revenue has grown by 4.15% in the last year.
Measured over the past years, IFC 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
Based on estimates for the next years, IFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.33% on average per year.
The Revenue is expected to grow by 6.11% on average over the next years.
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
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.
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
The Price/Earnings ratio is 17.89, which indicates a rather expensive current valuation of IFC.
Based on the Price/Earnings ratio, IFC is valued more expensive than 96.10% of the companies in the same industry.
IFC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.38.
The Price/Forward Earnings ratio is 15.47, which indicates a correct valuation of IFC.
Based on the Price/Forward Earnings ratio, IFC is valued a bit more expensive than the industry average as 70.13% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of IFC to the average of the S&P500 Index (22.86), we can say IFC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.89 | ||
| Fwd PE | 15.47 |
4.2 Price Multiples
61.04% of the companies in the same industry are more expensive than IFC, based on the Enterprise Value to EBITDA ratio.
IFC's Price/Free Cash Flow ratio is rather expensive when compared to the industry. IFC is more expensive than 89.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.79 | ||
| EV/EBITDA | 9.77 |
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 may justify a higher PE ratio.
PEG (NY)0.76
PEG (5Y)0.96
EPS Next 2Y10.3%
EPS Next 3Y9.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.50%, IFC is a good candidate for dividend investing.
With a Dividend Yield of 5.50, IFC pays less dividend than the industry average, which is at 3.91. 81.82% of the companies listed in the same industry pay a better dividend than IFC!
IFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.5% |
5.2 History
IFC has been paying a dividend for at least 10 years, so it has a reliable track record.
IFC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)N/A
Div Incr Years19
Div Non Decr Years19
5.3 Sustainability
42.76% of the earnings are spent on dividend by IFC. This is a bit on the high side, but may be sustainable.
DP42.76%
EPS Next 2Y10.3%
EPS Next 3Y9.33%
TSX:IFC (9/19/2025, 7:00:00 PM)
271.58
+4.34 (+1.62%)
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 Cap48.41B
Analysts72.94
Price Target334.9 (23.32%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.5% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.76%
Div Incr Years19
Div Non Decr Years19
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)-0.48%
PT rev (3m)1.47%
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 | 17.89 | ||
| Fwd PE | 15.47 | ||
| P/S | 1.79 | ||
| P/FCF | 13.79 | ||
| P/OCF | 12.43 | ||
| P/B | 2.52 | ||
| P/tB | 5.07 | ||
| EV/EBITDA | 9.77 |
EPS(TTM)15.18
EY5.59%
EPS(NY)17.56
Fwd EY6.46%
FCF(TTM)19.69
FCFY7.25%
OCF(TTM)21.85
OCFY8.05%
SpS151.62
BVpS107.8
TBVpS53.62
PEG (NY)0.76
PEG (5Y)0.96
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
WACC8.02%
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)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%