INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:IFC - CA45823T1066 - Common Stock
266.3 CAD
-4.07 (-1.51%)
IFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 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
- In the past year IFC was profitable.
- In the past year IFC had a positive cash flow from operations.
- 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 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 85.19% of the companies in the same industry.
- The Return On Invested Capital of IFC (6.85%) is better than 88.89% 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
- IFC has a Profit Margin (11.20%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of IFC has grown nicely.
- IFC has a better Operating Margin (20.28%) 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
- IFC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 5 years ago, IFC has more shares outstanding
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'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.
- A Debt/Equity ratio of 0.27 indicates that IFC is not too dependend on debt financing.
- 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
WACC7.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- IFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.79%, which is quite impressive.
- 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%.
- Measured over the past years, IFC shows a quite strong growth in Revenue. The Revenue has been growing by 18.42% on average per year.
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 Y28.32%
EPS Next 2Y10.67%
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
- 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
- IFC is valuated correctly with a Price/Earnings ratio of 14.29.
- 75.31% of the companies in the same industry are cheaper than IFC, based on the Price/Earnings ratio.
- IFC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.47.
- Based on the Price/Forward Earnings ratio of 15.07, the valuation of IFC can be described as correct.
- 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.
- When comparing the Price/Forward Earnings ratio of IFC to the average of the S&P500 Index (24.26), we can say IFC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.29 | ||
| Fwd PE | 15.07 |
4.2 Price Multiples
- 67.90% of the companies in the same industry are more expensive than IFC, based on the Enterprise Value to EBITDA ratio.
- IFC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. IFC is more expensive than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.64 | ||
| EV/EBITDA | 8.33 |
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)0.5
PEG (5Y)0.77
EPS Next 2Y10.67%
EPS Next 3Y9.35%
5. Dividend
5.1 Amount
- IFC has a Yearly Dividend Yield of 5.62%, which is a nice return.
- Compared to an average industry Dividend Yield of 3.60, 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 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.62% |
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 2Y10.67%
EPS Next 3Y9.35%
TSX:IFC (1/16/2026, 7:00:00 PM)
266.3
-4.07 (-1.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-10 2026-02-10
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap47.32B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target325.07 (22.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.62% |
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)-2.94%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)0.77%
EPS NY rev (1m)0.04%
EPS NY rev (3m)4.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.29 | ||
| Fwd PE | 15.07 | ||
| P/S | 1.78 | ||
| P/FCF | 11.64 | ||
| P/OCF | 10.59 | ||
| P/B | 2.37 | ||
| P/tB | 4.65 | ||
| EV/EBITDA | 8.33 |
EPS(TTM)18.63
EY7%
EPS(NY)17.67
Fwd EY6.64%
FCF(TTM)22.88
FCFY8.59%
OCF(TTM)25.14
OCFY9.44%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.5
PEG (5Y)0.77
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
WACC7.73%
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 Y28.32%
EPS Next 2Y10.67%
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 14.29 and the Price/Book (PB) ratio is 2.37.
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%.