INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:IFC • CA45823T1066

260.82 CAD
-4.2 (-1.58%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, IFC scores 4 out of 10 in our fundamental rating. IFC was compared to 78 industry peers in the Insurance industry. IFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. IFC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

6

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.
  • Each year in the past 5 years IFC has been profitable.
  • IFC had a positive operating cash flow in each of the past 5 years.
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

  • With an excellent Return On Assets value of 4.73%, IFC belongs to the best of the industry, outperforming 87.18% of the companies in the same industry.
  • The Return On Equity of IFC (14.93%) is better than 84.62% of its industry peers.
  • IFC has a better Return On Invested Capital (6.85%) than 88.46% 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 51.28% 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 66.67% of the companies in the same industry.
  • IFC's Operating Margin has improved in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IFC is destroying value.
  • IFC has more shares outstanding than it did 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

  • 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 69.23% 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 46.15% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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.
  • Looking at the last year, IFC shows a decrease in Revenue. The Revenue has decreased by -1.02% in the last 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 9.35% on average per year.
  • 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

  • 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.
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.00, the valuation of IFC can be described as correct.
  • Based on the Price/Earnings ratio, IFC is valued a bit more expensive than 76.92% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.93, IFC is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 14.76 indicates a correct valuation of IFC.
  • Based on the Price/Forward Earnings ratio, IFC is valued a bit more expensive than the industry average as 70.51% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of IFC to the average of the S&P500 Index (27.77), we can say IFC is valued slightly cheaper.
Industry RankSector Rank
PE 14
Fwd PE 14.76
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

  • Based on the Enterprise Value to EBITDA ratio, IFC is valued a bit cheaper than 67.95% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, IFC is valued a bit more expensive than the industry average as 69.23% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 11.4
EV/EBITDA 8.05
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)0.49
PEG (5Y)0.75
EPS Next 2Y10.65%
EPS Next 3Y9.35%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.01%, IFC has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 2.01, IFC pays less dividend than the industry average, which is at 3.53. 87.18% of the companies listed in the same industry pay a better dividend than IFC!
  • Compared to an average S&P500 Dividend Yield of 1.81, IFC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.01%

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
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

  • 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%
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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Find the best dividend stocksShow peers with best dividend

INTACT FINANCIAL CORP

TSX:IFC (2/6/2026, 7:00:00 PM)

260.82

-4.2 (-1.58%)

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 Cap46.35B
Revenue(TTM)26.61B
Net Income(TTM)2.98B
Analysts75.56
Price Target325.22 (24.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.01%
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)0.05%
PT rev (3m)-0.29%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)1.42%
EPS NY rev (1m)0.01%
EPS NY rev (3m)2.81%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
Industry RankSector Rank
PE 14
Fwd PE 14.76
P/S 1.74
P/FCF 11.4
P/OCF 10.37
P/B 2.32
P/tB 4.56
EV/EBITDA 8.05
EPS(TTM)18.63
EY7.14%
EPS(NY)17.67
Fwd EY6.77%
FCF(TTM)22.88
FCFY8.77%
OCF(TTM)25.14
OCFY9.64%
SpS149.74
BVpS112.34
TBVpS57.22
PEG (NY)0.49
PEG (5Y)0.75
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 14 and the Price/Book (PB) ratio is 2.32.


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%.