INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:IFC • CA45823T1066

253.5 CAD
+5.59 (+2.25%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

4

IFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 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 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year IFC was profitable.
  • In the past year IFC had a positive cash flow from operations.
  • IFC had positive earnings in each of the past 5 years.
  • Each year in the past 5 years IFC had a positive operating cash flow.
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 1B 2B 3B 4B

1.2 Ratios

  • The Return On Assets of IFC (4.73%) is better than 87.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.93%, IFC belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
  • IFC has a better Return On Invested Capital (6.85%) than 88.75% of its industry peers.
Industry RankSector 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
IFC.CA Yearly ROA, ROE, ROICIFC.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

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.
  • With a decent Operating Margin value of 20.28%, IFC is doing good in the industry, outperforming 68.75% of the companies in the same industry.
  • In the last couple of years the Operating Margin of IFC has grown nicely.
Industry RankSector 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
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 5 10 15

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2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC is destroying value.
  • The number of shares outstanding for IFC has been increased compared to 5 years ago.
IFC.CA Yearly Shares OutstandingIFC.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 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 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.
  • The Debt to FCF ratio of IFC (1.34) is better than 71.25% of its industry peers.
  • A Debt/Equity ratio of 0.27 indicates that IFC is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.27, IFC perfoms like the industry average, outperforming 48.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC0.86
WACC7.93%
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 5B 10B 15B

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 1B 2B 3B 4B

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5

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.
  • IFC shows a decrease in Revenue. In the last year, the revenue decreased by -1.02%.
  • 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

  • The Earnings Per Share is expected to grow by 9.35% on average over the next years. This is quite good.
  • Based on estimates for the next years, IFC will show a small growth in Revenue. The Revenue will grow by 6.08% on average per year.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 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 5 10 15

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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.61, which indicates a correct valuation of IFC.
  • Based on the Price/Earnings ratio, IFC is valued a bit more expensive than 75.00% of the companies in the same industry.
  • IFC is valuated cheaply when we compare the Price/Earnings ratio to 28.41, which is the current average of the S&P500 Index.
  • IFC is valuated correctly with a Price/Forward Earnings ratio of 14.35.
  • 68.75% of the companies in the same industry are cheaper than IFC, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 25.64. IFC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.61
Fwd PE 14.35
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

  • IFC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. IFC is cheaper than 68.75% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of IFC indicates a slightly more expensive valuation: IFC is more expensive than 66.25% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.08
EV/EBITDA 7.84
IFC.CA Per share dataIFC.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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)0.48
PEG (5Y)0.73
EPS Next 2Y10.65%
EPS Next 3Y9.35%

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5

5. Dividend

5.1 Amount

  • IFC has a Yearly Dividend Yield of 2.15%.
  • With a Dividend Yield of 2.15, IFC pays less dividend than the industry average, which is at 3.50. 86.25% of the companies listed in the same industry pay a better dividend than IFC!
  • Compared to an average S&P500 Dividend Yield of 1.83, IFC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.15%

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

5.3 Sustainability

  • IFC pays out 34.08% of its income as dividend. This is a sustainable payout ratio.
DP34.08%
EPS Next 2Y10.65%
EPS Next 3Y9.35%
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 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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INTACT FINANCIAL CORP

TSX:IFC (2/2/2026, 7:00:00 PM)

253.5

+5.59 (+2.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04
Earnings (Next)02-10
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap45.04B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target325.07 (28.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.15%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP34.08%
Div Incr Years19
Div Non Decr Years19
Ex-DateN/A
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%
PT rev (3m)-0.34%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.01%
EPS NY rev (3m)4.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 13.61
Fwd PE 14.35
P/S 1.69
P/FCF 11.08
P/OCF 10.08
P/B 2.26
P/tB 4.43
EV/EBITDA 7.84
EPS(TTM)18.63
EY7.35%
EPS(NY)17.67
Fwd EY6.97%
FCF(TTM)22.88
FCFY9.02%
OCF(TTM)25.14
OCFY9.92%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.48
PEG (5Y)0.73
Graham Number217
Profitability
Industry RankSector 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 RankSector 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
WACC7.93%
ROIC/WACC0.86
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 Y28.34%
EPS Next 2Y10.65%
EPS Next 3Y9.35%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.02%
Revenue growth 3Y14.34%
Revenue growth 5Y18.42%
Sales Q2Q%6.54%
Revenue Next Year5.25%
Revenue Next 2Y5.59%
Revenue Next 3Y6.08%
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 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 13.61 and the Price/Book (PB) ratio is 2.26.


Is the dividend of INTACT FINANCIAL CORP sustainable?

The dividend rating of INTACT FINANCIAL CORP (IFC.CA) is 5 / 10 and the dividend payout ratio is 34.08%.