INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis
Canada - TSX:IFC - CA45823T1066 - Common Stock
269.73 CAD
+4.55 (+1.72%)
Taking everything into account, IFC scores 4 out of 10 in our fundamental rating. IFC was compared to 81 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 has a correct valuation and a medium growth rate. Finally IFC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year IFC was profitable.
In the past year IFC had a positive cash flow from operations.
In the past 5 years IFC has always been profitable.
In the past 5 years IFC always reported a positive cash flow from operatings.
1.2 Ratios
IFC has a better Return On Assets (3.82%) than 79.01% of its industry peers.
IFC has a Return On Equity of 12.11%. This is in the better half of the industry: IFC outperforms 66.67% of its industry peers.
The Return On Invested Capital of IFC (5.87%) is better than 88.89% of its industry peers.
| 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
IFC has a worse Profit Margin (8.61%) than 62.96% of its industry peers.
IFC's Profit Margin has improved in the last couple of years.
IFC has a better Operating Margin (16.63%) than 69.14% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC is destroying value.
Compared to 5 years ago, IFC has more shares outstanding
2.2 Solvency
IFC has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.
IFC's Debt to FCF ratio of 1.55 is fine compared to the rest of the industry. IFC outperforms 60.49% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that IFC is not too dependend on debt financing.
IFC has a Debt to Equity ratio of 0.28. This is comparable to the rest of the industry: IFC outperforms 55.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.55 | ||
| Altman-Z | N/A |
ROIC/WACC0.75
WACC7.78%
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.
IFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.
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 9.32% on average per year.
IFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.88% yearly.
EPS Next Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
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
The Price/Earnings ratio is 17.77, which indicates a rather expensive current valuation of IFC.
Based on the Price/Earnings ratio, IFC is valued more expensive than 96.30% of the companies in the same industry.
When comparing the Price/Earnings ratio of IFC to the average of the S&P500 Index (26.13), we can say IFC is valued slightly cheaper.
With a Price/Forward Earnings ratio of 15.40, IFC is valued correctly.
Based on the Price/Forward Earnings ratio, IFC is valued a bit more expensive than the industry average as 70.37% of the companies are valued more cheaply.
IFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.77 | ||
| Fwd PE | 15.4 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC is valued a bit cheaper than the industry average as 62.96% of the companies are valued more expensively.
IFC's Price/Free Cash Flow ratio is rather expensive when compared to the industry. IFC is more expensive than 90.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.66 | ||
| EV/EBITDA | 9.83 |
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)0.77
PEG (5Y)0.96
EPS Next 2Y10.19%
EPS Next 3Y9.32%
5. Dividend
5.1 Amount
IFC has a Yearly Dividend Yield of 5.55%, which is a nice return.
IFC's Dividend Yield is rather good when compared to the industry average which is at 3.90. IFC pays more dividend than 90.12% of the companies in the same industry.
IFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
5.2 History
IFC has paid a dividend for at least 10 years, which is a reliable track record.
IFC has not decreased their dividend for at least 10 years, which is a reliable track record.
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 2Y10.19%
EPS Next 3Y9.32%
TSX:IFC (11/5/2025, 7:00:00 PM)
269.73
+4.55 (+1.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners57.23%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap47.96B
Revenue(TTM)27.03B
Net Income(TTM)2.33B
Analysts73.33
Price Target326.17 (20.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.55% |
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)-2.61%
PT rev (3m)-2%
EPS NQ rev (1m)6.42%
EPS NQ rev (3m)6.71%
EPS NY rev (1m)0%
EPS NY rev (3m)7.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.77 | ||
| Fwd PE | 15.4 | ||
| P/S | 1.77 | ||
| P/FCF | 13.66 | ||
| P/OCF | 12.31 | ||
| P/B | 2.5 | ||
| P/tB | 5.02 | ||
| EV/EBITDA | 9.83 |
EPS(TTM)15.18
EY5.63%
EPS(NY)17.52
Fwd EY6.5%
FCF(TTM)19.74
FCFY7.32%
OCF(TTM)21.91
OCFY8.12%
SpS152
BVpS108.07
TBVpS53.75
PEG (NY)0.77
PEG (5Y)0.96
Graham Number192.12
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
ROICexgc growth 3Y18.12%
ROICexgc 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
WACC7.78%
ROIC/WACC0.75
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 Y23.17%
EPS Next 2Y10.19%
EPS Next 3Y9.32%
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.21%
Revenue Next Year4.84%
Revenue Next 2Y5.48%
Revenue Next 3Y5.88%
Revenue Next 5YN/A
EBIT growth 1Y14.58%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
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%
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 4 / 10 to IFC.CA.
What is the valuation status for IFC stock?
ChartMill assigns a valuation rating of 4 / 10 to INTACT FINANCIAL CORP (IFC.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for INTACT FINANCIAL CORP?
INTACT FINANCIAL CORP (IFC.CA) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for IFC stock?
The Price/Earnings (PE) ratio for INTACT FINANCIAL CORP (IFC.CA) is 17.77 and the Price/Book (PB) ratio is 2.5.
Can you provide the dividend sustainability for IFC stock?
The dividend rating of INTACT FINANCIAL CORP (IFC.CA) is 7 / 10 and the dividend payout ratio is 42.76%.