INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC - CA45823T1066 - Common Stock
287.25 CAD
+3.32 (+1.17%)
IFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 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. 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.
IFC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
IFC has a better Return On Assets (4.73%) than 88.75% of its industry peers.
IFC has a Return On Equity of 14.93%. This is amongst the best in the industry. IFC outperforms 85.00% of its industry peers.
IFC's Return On Invested Capital of 6.85% is amongst the best of the industry. IFC outperforms 88.75% of its industry peers.
| 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 53.75% of the companies in the same industry.
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 68.75% of the companies in the same industry.
IFC's Operating Margin has improved in the last couple of years.
| 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
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.
IFC has a better Debt to FCF ratio (1.34) than 71.25% 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 48.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.89
WACC7.7%
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.
IFC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.56% yearly.
IFC shows a decrease in Revenue. In the last year, the revenue decreased by -1.02%.
IFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.42% yearly.
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 9.44% yearly.
The Revenue is expected to grow by 5.86% on average over the next years.
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
Based on the Price/Earnings ratio of 15.42, the valuation of IFC can be described as correct.
Based on the Price/Earnings ratio, IFC is valued expensively inside the industry as 95.00% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of IFC to the average of the S&P500 Index (25.98), we can say IFC is valued slightly cheaper.
With a Price/Forward Earnings ratio of 16.38, IFC is valued correctly.
68.75% of the companies in the same industry are cheaper than IFC, based on the Price/Forward Earnings ratio.
IFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.42 | ||
| Fwd PE | 16.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, IFC is valued a bit cheaper than 66.25% of the companies in the same industry.
IFC's Price/Free Cash Flow ratio is rather expensive when compared to the industry. IFC is more expensive than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.56 | ||
| EV/EBITDA | 8.82 |
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)0.62
PEG (5Y)0.83
EPS Next 2Y10.24%
EPS Next 3Y9.44%
5. Dividend
5.1 Amount
IFC has a Yearly Dividend Yield of 5.49%, which is a nice return.
Compared to an average industry Dividend Yield of 4.36, IFC has a dividend in line with its industry peers.
IFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
5.2 History
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)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 (11/25/2025, 7:00:00 PM)
287.25
+3.32 (+1.17%)
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 Cap51.08B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target325.07 (13.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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)0.4%
EPS NQ rev (3m)0.56%
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 | 15.42 | ||
| Fwd PE | 16.38 | ||
| P/S | 1.92 | ||
| P/FCF | 12.56 | ||
| P/OCF | 11.43 | ||
| P/B | 2.56 | ||
| P/tB | 5.02 | ||
| EV/EBITDA | 8.82 |
EPS(TTM)18.63
EY6.49%
EPS(NY)17.54
Fwd EY6.1%
FCF(TTM)22.86
FCFY7.96%
OCF(TTM)25.13
OCFY8.75%
SpS149.64
BVpS112.27
TBVpS57.18
PEG (NY)0.62
PEG (5Y)0.83
Graham Number216.93
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
WACC7.7%
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 15.42 and the Price/Book (PB) ratio is 2.56.
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%.