INTACT FINANCIAL CORP (IFC.CA) Fundamental Analysis & Valuation

TSX:IFC • CA45823T1066

Current stock price

252.75 CAD
-1.26 (-0.5%)
Last:

This IFC.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. IFC.CA Profitability Analysis

1.1 Basic Checks

  • IFC had positive earnings in the past year.
  • In the past year IFC had a positive cash flow from operations.
  • Each year in the past 5 years IFC has been profitable.
  • In the past 5 years IFC always reported a positive cash flow from operatings.
IFC.CA Yearly Net Income VS EBIT VS OCF VS FCFIFC.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 5.21%, IFC belongs to the top of the industry, outperforming 88.46% of the companies in the same industry.
  • IFC has a better Return On Equity (15.72%) than 84.62% of its industry peers.
  • With an excellent Return On Invested Capital value of 7.52%, IFC belongs to the best of the industry, outperforming 87.18% of the companies in the same industry.
Industry RankSector 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
IFC.CA Yearly ROA, ROE, ROICIFC.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • IFC has a better Profit Margin (12.01%) than 69.23% of its industry peers.
  • IFC's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 21.11%, IFC is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • IFC's Operating Margin has improved in the last couple of years.
Industry RankSector 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
IFC.CA Yearly Profit, Operating, Gross MarginsIFC.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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4

2. IFC.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so IFC is still creating some 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.
  • Compared to 1 year ago, IFC has an improved debt to assets ratio.
IFC.CA Yearly Shares OutstandingIFC.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 2025 50M 100M 150M
IFC.CA Yearly Total Debt VS Total AssetsIFC.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2024 2025 20B 40B 60B

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 67.95% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that IFC is not too dependend on debt financing.
  • The Debt to Equity ratio of IFC (0.25) is better than 79.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1.01
WACC7.44%
IFC.CA Yearly LT Debt VS Equity VS FCFIFC.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
IFC.CA Yearly Current Assets VS Current LiabilitesIFC.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2024 2025 1B 2B 3B 4B

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5

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.
  • The Earnings Per Share has been growing by 14.12% 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 2.93% in the last year.
  • The Revenue has been growing by 16.74% on average over the past years. This is quite good.
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.
  • Based on estimates for the next years, IFC will show a small growth in Revenue. The Revenue will grow by 6.81% on average per year.
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.
  • 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.
IFC.CA Yearly Revenue VS EstimatesIFC.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
IFC.CA Yearly EPS VS EstimatesIFC.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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3

4. IFC.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • IFC is valuated correctly with a Price/Earnings ratio of 13.16.
  • Based on the Price/Earnings ratio, IFC is valued a bit more expensive than the industry average as 71.79% of the companies are valued more cheaply.
  • IFC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.50.
  • With a Price/Forward Earnings ratio of 14.25, IFC is valued correctly.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of IFC indicates a slightly more expensive valuation: IFC is more expensive than 69.23% of the companies listed in the same industry.
  • IFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 13.16
Fwd PE 14.25
IFC.CA Price Earnings VS Forward Price EarningsIFC.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, IFC is valued a bit cheaper than the industry average as 70.51% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, IFC is valued a bit more expensive than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.4
EV/EBITDA 7.44
IFC.CA Per share dataIFC.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • IFC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.93
EPS Next 2Y-0.58%
EPS Next 3Y0.85%

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6

5. IFC.CA Dividend Analysis

5.1 Amount

  • IFC has a Yearly Dividend Yield of 2.37%.
  • Compared to an average industry Dividend Yield of 3.76, IFC's dividend is way lower than its industry peers. On top of this 85.90% of the companies listed in the same industry pay a better dividend than IFC!
  • Compared to an average S&P500 Dividend Yield of 1.89, IFC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.37%

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 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
IFC.CA Yearly Dividends per shareIFC.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

5.3 Sustainability

  • 31.66% of the earnings are spent on dividend by IFC. This is a low number and sustainable payout ratio.
  • The dividend of IFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.66%
EPS Next 2Y-0.58%
EPS Next 3Y0.85%
IFC.CA Yearly Income VS Free CF VS DividendIFC.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
IFC.CA Dividend Payout.IFC.CA Dividend Payout, showing the Payout Ratio.IFC.CA Dividend Payout.PayoutRetained Earnings

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IFC.CA Fundamentals: All Metrics, Ratios and Statistics

INTACT FINANCIAL CORP

TSX:IFC (3/24/2026, 7:00:00 PM)

252.75

-1.26 (-0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners45.24%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap44.82B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target320.91 (26.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.37%
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr Years19
Div Non Decr Years19
Ex-Date03-17
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)1.12%
EPS NQ rev (3m)1.55%
EPS NY rev (1m)0.4%
EPS NY rev (3m)0.48%
Revenue NQ rev (1m)6.1%
Revenue NQ rev (3m)5.55%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 13.16
Fwd PE 14.25
P/S 1.64
P/FCF 11.4
P/OCF 10.21
P/B 2.15
P/tB 4.06
EV/EBITDA 7.44
EPS(TTM)19.2
EY7.6%
EPS(NY)17.74
Fwd EY7.02%
FCF(TTM)22.17
FCFY8.77%
OCF(TTM)24.74
OCFY9.79%
SpS153.81
BVpS117.49
TBVpS62.29
PEG (NY)N/A
PEG (5Y)0.93
Graham Number225.29
Profitability
Industry RankSector 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 RankSector 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
WACC7.44%
ROIC/WACC1.01
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 Fundamental Analysis 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 13.16 and the Price/Book (PB) ratio is 2.15.


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%.