INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis
TSX:IFC • CA45823T1066
261.96 CAD
-1.34 (-0.51%)
Last: Feb 20, 2026, 07:00 PM
Taking everything into account, IFC scores 4 out of 10 in our fundamental rating. IFC was compared to 76 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 does not seem to be growing, but still is valued expensively. Finally IFC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- IFC had positive earnings in the past year.
- IFC had a positive operating cash flow in the past year.
- 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 (4.73%) than 86.84% of its industry peers.
- IFC has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC outperforms 84.21% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 6.85%, IFC belongs to the top of the industry, outperforming 88.16% 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
- IFC's Profit Margin of 11.20% is in line compared to the rest of the industry. IFC outperforms 50.00% of its industry peers.
- In the last couple of years the Profit Margin of IFC has grown nicely.
- Looking at the Operating Margin, with a value of 20.28%, IFC is in the better half of the industry, outperforming 65.79% of the companies in the same industry.
- 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC is destroying value.
- IFC has less shares outstanding than it did 1 year ago.
- IFC has more shares outstanding than it did 5 years ago.
- IFC has a better debt/assets ratio than last year.
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.
- Looking at the Debt to FCF ratio, with a value of 1.34, IFC is in the better half of the industry, outperforming 68.42% of the companies in the same industry.
- A Debt/Equity ratio of 0.27 indicates that IFC is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.27, IFC is in line with its industry, outperforming 44.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.91
WACC7.54%
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 32.03% 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 13.94% yearly.
EPS 1Y (TTM)32.03%
EPS 3Y17.05%
EPS 5Y13.94%
EPS Q2Q%8.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.48%
3.2 Future
- IFC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.48% yearly.
- Based on estimates for the next years, IFC will show a small growth in Revenue. The Revenue will grow by 6.49% on average per year.
EPS Next Y-7.26%
EPS Next 2Y-0.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.92%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.75 indicates a correct valuation of IFC.
- 76.32% of the companies in the same industry are cheaper than IFC, based on the Price/Earnings ratio.
- IFC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
- IFC is valuated correctly with a Price/Forward Earnings ratio of 14.83.
- Based on the Price/Forward Earnings ratio, IFC is valued a bit more expensive than 69.74% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.06. IFC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.75 | ||
| Fwd PE | 14.83 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, IFC is valued a bit cheaper than the industry average as 64.47% of the companies are valued more expensively.
- IFC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. IFC is more expensive than 69.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.45 | ||
| EV/EBITDA | 8.12 |
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)0.99
EPS Next 2Y-0.48%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.43%, IFC is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 3.93, IFC's dividend is way lower than its industry peers. On top of this 86.84% of the companies listed in the same industry pay a better dividend than IFC!
- IFC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| 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 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
- 34.08% of the earnings are spent on dividend by IFC. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y-0.48%
EPS Next 3YN/A
TSX:IFC (2/20/2026, 7:00:00 PM)
261.96
-1.34 (-0.51%)
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 Cap46.53B
Revenue(TTM)N/A
Net Income(TTM)2.98B
Analysts75.56
Price Target325.22 (24.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP34.08%
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)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)0.05%
PT rev (3m)-0.29%
EPS NQ rev (1m)0.69%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0.01%
EPS NY rev (3m)2.81%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.75 | ||
| Fwd PE | 14.83 | ||
| P/S | 1.75 | ||
| P/FCF | 11.45 | ||
| P/OCF | 10.41 | ||
| P/B | 2.33 | ||
| P/tB | 4.58 | ||
| EV/EBITDA | 8.12 |
EPS(TTM)19.05
EY7.27%
EPS(NY)17.67
Fwd EY6.74%
FCF(TTM)22.88
FCFY8.74%
OCF(TTM)25.15
OCFY9.6%
SpS149.79
BVpS112.38
TBVpS57.24
PEG (NY)N/A
PEG (5Y)0.99
Graham Number219.47
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
WACC7.54%
ROIC/WACC0.91
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)32.03%
EPS 3Y17.05%
EPS 5Y13.94%
EPS Q2Q%8.57%
EPS Next Y-7.26%
EPS Next 2Y-0.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.48%
Revenue Next Year5.92%
Revenue Next 2Y6.49%
Revenue Next 3YN/A
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.
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 6 / 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 13.75 and the Price/Book (PB) ratio is 2.33.
Is the dividend of INTACT FINANCIAL CORP sustainable?
The dividend rating of INTACT FINANCIAL CORP (IFC.CA) is 7 / 10 and the dividend payout ratio is 34.08%.