INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:IFC • CA45823T1066
247.91 CAD
+0.75 (+0.3%)
Last: Jan 30, 2026, 07:00 PM
IFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. IFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFC has a decent growth rate and is not valued too expensively. IFC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- IFC had positive earnings in the past year.
- In the past year IFC had a positive cash flow from operations.
- 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's Return On Assets of 4.73% is amongst the best of the industry. IFC outperforms 87.50% of its industry peers.
- With an excellent Return On Equity value of 14.93%, IFC belongs to the best of the industry, outperforming 83.75% of the companies in the same industry.
- 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 52.50% of the companies in the same industry.
- IFC's Profit Margin has improved in the last couple of years.
- IFC's Operating Margin of 20.28% is fine compared to the rest of the industry. IFC outperforms 67.50% 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.
- Compared to 5 years ago, IFC has more shares outstanding
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 70.00% of its industry peers.
- A Debt/Equity ratio of 0.27 indicates that IFC is not too dependend on debt financing.
- IFC's Debt to Equity ratio of 0.27 is in line compared to the rest of the industry. IFC outperforms 47.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACC0.86
WACC7.93%
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.
- The Earnings Per Share has been growing by 18.56% on average over the past years. This is quite good.
- 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
- The Earnings Per Share is expected to grow by 9.35% on average over the next years. This is quite good.
- The Revenue is expected to grow by 6.08% on average over the next years.
EPS Next Y28.34%
EPS Next 2Y10.65%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
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.
- 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 13.31 indicates a correct valuation of IFC.
- Based on the Price/Earnings ratio, IFC is valued a bit more expensive than 76.25% of the companies in the same industry.
- IFC is valuated cheaply when we compare the Price/Earnings ratio to 28.30, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 14.03 indicates a correct valuation of IFC.
- 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 70.00% of the companies listed in the same industry.
- IFC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.31 | ||
| Fwd PE | 14.03 |
4.2 Price Multiples
- IFC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. IFC is cheaper than 66.25% of the companies in the same industry.
- IFC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. IFC is more expensive than 67.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.84 | ||
| EV/EBITDA | 7.66 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of IFC may justify a higher PE ratio.
PEG (NY)0.47
PEG (5Y)0.72
EPS Next 2Y10.65%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.59%, IFC is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.42, IFC pays a bit more dividend than its industry peers.
- IFC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.59% |
5.2 History
- IFC has paid a dividend for at least 10 years, which is 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 2Y10.65%
EPS Next 3Y9.35%
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 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.
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 13.31 and the Price/Book (PB) ratio is 2.21.
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%.