INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC - CA45823T1066 - Common Stock
277.04 CAD
+3.72 (+1.36%)
We assign a fundamental rating of 4 out of 10 to IFC. IFC was compared to 81 industry peers in the Insurance industry. There are concerns on the financial health of IFC while its profitability can be described as average. IFC has a correct valuation and a medium growth rate. 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.
IFC had positive earnings in each of the past 5 years.
In the past 5 years IFC always reported a positive cash flow from operatings.
1.2 Ratios
IFC's Return On Assets of 4.73% is amongst the best of the industry. IFC outperforms 87.65% of its industry peers.
With an excellent Return On Equity value of 14.93%, IFC belongs to the best of the industry, outperforming 83.95% of the companies in the same industry.
With an excellent Return On Invested Capital value of 6.85%, IFC belongs to the best of the industry, outperforming 87.65% 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
Looking at the Profit Margin, with a value of 11.20%, IFC is in line with its industry, outperforming 53.09% of the companies in the same industry.
In the last couple of years the Profit Margin of IFC has grown nicely.
The Operating Margin of IFC (20.28%) is better than 67.90% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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 70.37% 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.
The Debt to Equity ratio of IFC (0.27) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.89
WACC7.69%
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.
The Revenue has decreased by -1.02% in the past year.
The Revenue has been growing by 18.42% on average over the past years. This is quite good.
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
Based on estimates for the next years, IFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.44% on average per year.
IFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.86% yearly.
EPS Next Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.87 indicates a correct valuation of IFC.
IFC's Price/Earnings ratio is rather expensive when compared to the industry. IFC is more expensive than 95.06% of the companies in the same industry.
When comparing the Price/Earnings ratio of IFC to the average of the S&P500 Index (26.41), we can say IFC is valued slightly cheaper.
IFC is valuated correctly with a Price/Forward Earnings ratio of 15.80.
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 69.14% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.40, IFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.87 | ||
| Fwd PE | 15.8 |
4.2 Price Multiples
IFC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. IFC is cheaper than 66.67% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, IFC is valued expensively inside the industry as 86.42% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.11 | ||
| EV/EBITDA | 8.41 |
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)0.6
PEG (5Y)0.8
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.43%, IFC is a good candidate for dividend investing.
IFC's Dividend Yield is comparable with the industry average which is at 4.32.
IFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
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
34.08% of the earnings are spent on dividend by IFC. This is a low number and sustainable payout ratio.
DP34.08%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
TSX:IFC (12/4/2025, 7:00:00 PM)
277.04
+3.72 (+1.36%)
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 Cap49.23B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target325.07 (17.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
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)-2.94%
PT rev (3m)-2.94%
EPS NQ rev (1m)0.57%
EPS NQ rev (3m)0.59%
EPS NY rev (1m)1.34%
EPS NY rev (3m)1.16%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.87 | ||
| Fwd PE | 15.8 | ||
| P/S | 1.85 | ||
| P/FCF | 12.11 | ||
| P/OCF | 11.02 | ||
| P/B | 2.47 | ||
| P/tB | 4.84 | ||
| EV/EBITDA | 8.41 |
EPS(TTM)18.63
EY6.72%
EPS(NY)17.54
Fwd EY6.33%
FCF(TTM)22.88
FCFY8.26%
OCF(TTM)25.14
OCFY9.08%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.6
PEG (5Y)0.8
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
WACC7.69%
ROIC/WACC0.89
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 Y24.83%
EPS Next 2Y10.24%
EPS Next 3Y9.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
Revenue Next Year4.83%
Revenue Next 2Y5.48%
Revenue Next 3Y5.86%
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 14.87 and the Price/Book (PB) ratio is 2.47.
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 34.08%.