INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC - CA45823T1066 - Common Stock
284.47 CAD
+0.75 (+0.26%)
Taking everything into account, IFC scores 4 out of 10 in our fundamental rating. IFC was compared to 82 industry peers in the Insurance industry. IFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
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
Looking at the Return On Assets, with a value of 4.73%, IFC belongs to the top of the industry, outperforming 87.80% of the companies in the same industry.
With an excellent Return On Equity value of 14.93%, IFC belongs to the best of the industry, outperforming 82.93% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.85%, IFC belongs to the top of the industry, outperforming 89.02% of the companies in the same industry.
| 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 perfoms like the industry average, outperforming 53.66% of the companies in the same industry.
IFC's Profit Margin has improved in the last couple of years.
IFC has a better Operating Margin (20.28%) than 68.29% of its industry peers.
In the last couple of years the Operating Margin of IFC has grown nicely.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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 1.34, which is an excellent value as it means it would take IFC, only 1.34 years of fcf income to pay off all of its debts.
IFC's Debt to FCF ratio of 1.34 is fine compared to the rest of the industry. IFC outperforms 70.73% of its industry peers.
IFC has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
IFC has a Debt to Equity ratio of 0.27. This is comparable to the rest of the industry: IFC outperforms 48.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.88
WACC7.74%
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.
Measured over the past years, IFC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.56% on average per year.
Looking at the last year, IFC shows a decrease in Revenue. The Revenue has decreased by -1.02% 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)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
IFC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.35% yearly.
IFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.08% yearly.
EPS Next Y28.27%
EPS Next 2Y10.61%
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
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
IFC is valuated correctly with a Price/Earnings ratio of 15.27.
Based on the Price/Earnings ratio, IFC is valued more expensive than 96.34% of the companies in the same industry.
When comparing the Price/Earnings ratio of IFC to the average of the S&P500 Index (26.61), we can say IFC is valued slightly cheaper.
A Price/Forward Earnings ratio of 16.11 indicates a correct valuation of IFC.
70.73% of the companies in the same industry are cheaper than IFC, based on the Price/Forward Earnings ratio.
IFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.27 | ||
| Fwd PE | 16.11 |
4.2 Price Multiples
IFC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. IFC is cheaper than 65.85% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC is valued more expensive than 87.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.43 | ||
| EV/EBITDA | 8.73 |
4.3 Compensation for Growth
IFC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
IFC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.54
PEG (5Y)0.82
EPS Next 2Y10.61%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.87%, IFC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.40, IFC's dividend is way lower than its industry peers. On top of this 85.37% of the companies listed in the same industry pay a better dividend than IFC!
Compared to an average S&P500 Dividend Yield of 1.87, IFC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
5.2 History
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)N/A
Div Incr Years19
Div Non Decr Years19
5.3 Sustainability
IFC pays out 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
TSX:IFC (12/22/2025, 7:00:00 PM)
284.47
+0.75 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners46.49%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap50.55B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target325.07 (14.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.87% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years19
Div Non Decr Years19
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.03%
Min EPS beat(2)7.9%
Max EPS beat(2)30.16%
EPS beat(4)4
Avg EPS beat(4)15.9%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)32.18%
EPS beat(12)11
Avg EPS beat(12)25.24%
EPS beat(16)14
Avg EPS beat(16)22.92%
Revenue beat(2)1
Avg Revenue beat(2)-0.62%
Min Revenue beat(2)-2.9%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.92%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.46%
Revenue beat(12)4
Avg Revenue beat(12)-0.12%
Revenue beat(16)8
Avg Revenue beat(16)7.07%
PT rev (1m)-0.34%
PT rev (3m)-2.94%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)2.76%
EPS NY rev (3m)3.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.27 | ||
| Fwd PE | 16.11 | ||
| P/S | 1.9 | ||
| P/FCF | 12.43 | ||
| P/OCF | 11.31 | ||
| P/B | 2.53 | ||
| P/tB | 4.97 | ||
| EV/EBITDA | 8.73 |
EPS(TTM)18.63
EY6.55%
EPS(NY)17.66
Fwd EY6.21%
FCF(TTM)22.88
FCFY8.04%
OCF(TTM)25.14
OCFY8.84%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.54
PEG (5Y)0.82
Graham Number217
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.73% | ||
| ROE | 14.93% | ||
| ROCE | 8.9% | ||
| ROIC | 6.85% | ||
| ROICexc | 7.06% | ||
| ROICexgc | 9.54% | ||
| OM | 20.28% | ||
| PM (TTM) | 11.2% | ||
| GM | N/A | ||
| FCFM | 15.28% |
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 Turnover0.42
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Debt/EBITDA | 0.88 | ||
| Cap/Depr | 50.88% | ||
| Cap/Sales | 1.51% | ||
| Interest Coverage | 23.66 | ||
| Cash Conversion | 72.22% | ||
| Profit Quality | 136.36% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.74%
ROIC/WACC0.88
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)35.79%
EPS 3Y5.44%
EPS 5Y18.56%
EPS Q2Q%341.58%
EPS Next Y28.27%
EPS Next 2Y10.61%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
Revenue Next 5YN/A
EBIT growth 1Y35.66%
EBIT growth 3Y14.32%
EBIT growth 5Y32.71%
EBIT Next Year29.66%
EBIT Next 3Y12.03%
EBIT Next 5YN/A
FCF growth 1Y110.62%
FCF growth 3Y1.62%
FCF growth 5Y20.32%
OCF growth 1Y86.71%
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 15.27 and the Price/Book (PB) ratio is 2.53.
Can you provide the dividend sustainability for IFC stock?
The dividend rating of INTACT FINANCIAL CORP (IFC.CA) is 5 / 10 and the dividend payout ratio is 34.08%.