INTACT FINANCIAL CORP (IFC.CA) Fundamental Analysis & Valuation
TSX:IFC • CA45823T1066
254.35 CAD
+3.57 (+1.42%)
Last: Mar 10, 2026, 07:00 PM
This IFC.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
IFC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. While IFC has a great profitability rating, there are quite some concerns on its financial health. IFC is quite expensive at the moment. It does show a decent growth rate.
1. IFC.CA Profitability Analysis
1.1 Basic Checks
- In the past year IFC was profitable.
- In the past year IFC had a positive cash flow from operations.
- 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
- IFC's Return On Assets of 5.21% is amongst the best of the industry. IFC outperforms 88.75% of its industry peers.
- IFC's Return On Equity of 15.72% is amongst the best of the industry. IFC outperforms 85.00% of its industry peers.
- The Return On Invested Capital of IFC (7.52%) is better than 88.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 15.72% | ||
| ROIC | 7.52% |
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's Profit Margin of 12.01% is fine compared to the rest of the industry. IFC outperforms 70.00% of its industry peers.
- IFC's Profit Margin has improved in the last couple of years.
- IFC's Operating Margin of 21.11% is fine compared to the rest of the industry. IFC outperforms 67.50% of its industry peers.
- In the last couple of years the Operating Margin of IFC has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.11% | ||
| PM (TTM) | 12.01% | ||
| GM | N/A |
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
2. IFC.CA Health Analysis
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 reduced compared to 1 year ago.
- IFC has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, IFC has an improved debt to assets ratio.
2.2 Solvency
- IFC has a debt to FCF ratio of 1.34. This is a very positive value and a sign of high solvency as it would only need 1.34 years to pay back of all of its debts.
- IFC has a Debt to FCF ratio of 1.34. This is in the better half of the industry: IFC outperforms 68.75% of its industry peers.
- IFC has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
- IFC's Debt to Equity ratio of 0.25 is fine compared to the rest of the industry. IFC outperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC1
WACC7.54%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. IFC.CA Growth Analysis
3.1 Past
- IFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.06%, which is quite impressive.
- IFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.12% yearly.
- The Revenue has been growing slightly by 2.93% in the past year.
- IFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.74% yearly.
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
3.2 Future
- IFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.85% yearly.
- IFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.81% yearly.
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
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. IFC.CA Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 13.25, IFC is valued correctly.
- Based on the Price/Earnings ratio, IFC is valued a bit more expensive than 75.00% of the companies in the same industry.
- IFC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 14.34, the valuation of IFC can be described as correct.
- Based on the Price/Forward Earnings ratio, IFC is valued a bit more expensive than the industry average as 70.00% of the companies are valued more cheaply.
- The average S&P500 Price/Forward Earnings ratio is at 24.39. IFC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.25 | ||
| Fwd PE | 14.34 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, IFC is valued a bit cheaper than 70.00% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, IFC is valued a bit more expensive than 67.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.49 | ||
| EV/EBITDA | 7.46 |
4.3 Compensation for Growth
- The decent profitability rating of IFC may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.94
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
5. IFC.CA Dividend Analysis
5.1 Amount
- IFC has a Yearly Dividend Yield of 2.30%.
- Compared to an average industry Dividend Yield of 3.81, IFC's dividend is way lower than its industry peers. On top of this 86.25% of the companies listed in the same industry pay a better dividend than IFC!
- Compared to an average S&P500 Dividend Yield of 1.82, IFC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
5.2 History
- The dividend of IFC is nicely growing with an annual growth rate of 15.73%!
- IFC has paid a dividend for at least 10 years, which is 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)15.73%
Div Incr Years19
Div Non Decr Years19
5.3 Sustainability
- IFC pays out 31.66% of its income as dividend. This is a sustainable payout ratio.
- IFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.66%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
IFC.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:IFC (3/10/2026, 7:00:00 PM)
254.35
+3.57 (+1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10 2026-02-10/amc
Earnings (Next)05-05 2026-05-05
Inst Owners45.24%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap45.16B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target320.91 (26.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr Years19
Div Non Decr Years19
Ex-Date03-17 2026-03-17 (1.47)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)7.9%
Max EPS beat(2)16.68%
EPS beat(4)4
Avg EPS beat(4)16.77%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)31.32%
EPS beat(12)11
Avg EPS beat(12)25.92%
EPS beat(16)14
Avg EPS beat(16)21.3%
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.39%
Revenue beat(16)7
Avg Revenue beat(16)6.71%
PT rev (1m)-1.33%
PT rev (3m)-1.28%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)0.28%
EPS NY rev (1m)0.4%
EPS NY rev (3m)0.48%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.25 | ||
| Fwd PE | 14.34 | ||
| P/S | 1.66 | ||
| P/FCF | 11.49 | ||
| P/OCF | 10.29 | ||
| P/B | 2.17 | ||
| P/tB | 4.09 | ||
| EV/EBITDA | 7.46 |
EPS(TTM)19.2
EY7.55%
EPS(NY)17.74
Fwd EY6.97%
FCF(TTM)22.14
FCFY8.7%
OCF(TTM)24.71
OCFY9.72%
SpS153.62
BVpS117.35
TBVpS62.21
PEG (NY)N/A
PEG (5Y)0.94
Graham Number225.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.21% | ||
| ROE | 15.72% | ||
| ROCE | 9.51% | ||
| ROIC | 7.52% | ||
| ROICexc | 7.69% | ||
| ROICexgc | 10.29% | ||
| OM | 21.11% | ||
| PM (TTM) | 12.01% | ||
| GM | N/A | ||
| FCFM | 14.41% |
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
ROICexgc growth 3Y15.83%
ROICexgc growth 5Y12.36%
ROICexc growth 3Y16.69%
ROICexc growth 5Y11.57%
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.43
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 1.34 | ||
| Debt/EBITDA | 0.8 | ||
| Cap/Depr | 57.34% | ||
| Cap/Sales | 1.68% | ||
| Interest Coverage | 25.37 | ||
| Cash Conversion | 66.94% | ||
| Profit Quality | 120.03% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.54%
ROIC/WACC1
Cap/Depr(3y)64.38%
Cap/Depr(5y)67.42%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.77%
Profit Quality(3y)122.24%
Profit Quality(5y)128.87%
High Growth Momentum
Growth
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
EPS Next Y-7.61%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
Revenue Next Year5.65%
Revenue Next 2Y5.61%
Revenue Next 3Y6.81%
Revenue Next 5YN/A
EBIT growth 1Y39.89%
EBIT growth 3Y22.87%
EBIT growth 5Y26.22%
EBIT Next Year8.2%
EBIT Next 3Y5.94%
EBIT Next 5YN/A
FCF growth 1Y32.89%
FCF growth 3Y6.5%
FCF growth 5Y12.42%
OCF growth 1Y29.55%
OCF growth 3Y6.19%
OCF growth 5Y13.28%
INTACT FINANCIAL CORP / IFC.CA FAQ
What is the ChartMill fundamental rating of INTACT FINANCIAL CORP (IFC.CA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to IFC.CA.
Can you provide the valuation status for INTACT FINANCIAL CORP?
ChartMill assigns a valuation rating of 3 / 10 to INTACT FINANCIAL CORP (IFC.CA). This can be considered as Overvalued.
Can you provide the profitability details for INTACT FINANCIAL CORP?
INTACT FINANCIAL CORP (IFC.CA) has a profitability rating of 7 / 10.
What are the PE and PB ratios of INTACT FINANCIAL CORP (IFC.CA) stock?
The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP (IFC.CA) is 13.25 and the Price/Book (PB) ratio is 2.17.
Is the dividend of INTACT FINANCIAL CORP sustainable?
The dividend rating of INTACT FINANCIAL CORP (IFC.CA) is 6 / 10 and the dividend payout ratio is 31.66%.