INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis
TSX:IFC • CA45823T1066
263.35 CAD
-0.68 (-0.26%)
Last: Feb 27, 2026, 07:00 PM
Overall IFC gets a fundamental rating of 5 out of 10. We evaluated IFC against 80 industry peers in the Insurance industry. IFC scores excellent on profitability, but there are concerns on its financial health. While showing a medium growth rate, IFC is valued expensive at the moment. IFC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year IFC was profitable.
- IFC had a positive operating cash flow in the past year.
- In the past 5 years IFC has always been profitable.
- Each year in the past 5 years IFC had a positive operating cash flow.
1.2 Ratios
- IFC has a Return On Assets of 5.21%. This is amongst the best in the industry. IFC outperforms 88.75% of its industry peers.
- The Return On Equity of IFC (15.72%) is better than 85.00% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 7.52%, IFC belongs to the top of the industry, outperforming 88.75% of the companies in the same industry.
| 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 has a Profit Margin of 12.01%. This is in the better half of the industry: IFC outperforms 70.00% of its industry peers.
- IFC's Profit Margin has improved in the last couple of years.
- With a decent Operating Margin value of 21.11%, IFC is doing good in the industry, outperforming 67.50% of the companies in the same industry.
- IFC's Operating Margin has improved in the last couple of years.
| 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. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC is destroying value.
- Compared to 1 year ago, IFC has less shares outstanding
- The number of shares outstanding for IFC has been increased compared to 5 years ago.
- The debt/assets ratio for IFC has been reduced compared to a year 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 has a better Debt to FCF ratio (1.34) than 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/WACC0.99
WACC7.56%
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 33.06% over the past year.
- IFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.12% yearly.
- IFC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.93%.
- 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
- Based on estimates for the next years, IFC will show a decrease in Earnings Per Share. The EPS will decrease by -0.86% on average per year.
- IFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.50% yearly.
EPS Next Y-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
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.
- 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
- A Price/Earnings ratio of 13.72 indicates a correct valuation of IFC.
- Based on the Price/Earnings ratio, IFC is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
- IFC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 14.90, IFC is valued correctly.
- IFC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. IFC is more expensive than 68.75% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.05. IFC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.72 | ||
| Fwd PE | 14.9 |
4.2 Price Multiples
- 70.00% of the companies in the same industry are more expensive than IFC, based on the Enterprise Value to EBITDA ratio.
- 67.50% of the companies in the same industry are cheaper than IFC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.9 | ||
| EV/EBITDA | 7.71 |
4.3 Compensation for Growth
- The decent profitability rating of IFC may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.97
EPS Next 2Y-0.86%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- IFC has a Yearly Dividend Yield of 5.43%, which is a nice return.
- IFC's Dividend Yield is comparable with the industry average which is at 4.43.
- Compared to an average S&P500 Dividend Yield of 1.82, IFC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
5.2 History
- On average, the dividend of IFC grows each year by 15.73%, which is quite nice.
- IFC has been paying a dividend for at least 10 years, so it has a reliable track record.
- IFC has not decreased their dividend for at least 10 years, which is a reliable track record.
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.
DP31.66%
EPS Next 2Y-0.86%
EPS Next 3YN/A
TSX:IFC (2/27/2026, 7:00:00 PM)
263.35
-0.68 (-0.26%)
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 Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap46.78B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target320.91 (21.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
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)-1.28%
PT rev (3m)-1.28%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)0.28%
EPS NY rev (1m)0%
EPS NY rev (3m)0.75%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.72 | ||
| Fwd PE | 14.9 | ||
| P/S | 1.71 | ||
| P/FCF | 11.9 | ||
| P/OCF | 10.66 | ||
| P/B | 2.25 | ||
| P/tB | 4.23 | ||
| EV/EBITDA | 7.71 |
EPS(TTM)19.2
EY7.29%
EPS(NY)17.67
Fwd EY6.71%
FCF(TTM)22.13
FCFY8.4%
OCF(TTM)24.7
OCFY9.38%
SpS153.56
BVpS117.3
TBVpS62.19
PEG (NY)N/A
PEG (5Y)0.97
Graham Number225.11
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
WACC7.56%
ROIC/WACC0.99
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-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
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 13.72 and the Price/Book (PB) ratio is 2.25.
Is the dividend of INTACT FINANCIAL CORP sustainable?
The dividend rating of INTACT FINANCIAL CORP (IFC.CA) is 8 / 10 and the dividend payout ratio is 31.66%.