INTACT FINANCIAL CORP (IFC.CA) Stock Fundamental Analysis

TSX:IFC • CA45823T1066

260.88 CAD
+2.05 (+0.79%)
Last: Feb 24, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to IFC. IFC was compared to 79 industry peers in the Insurance industry. IFC scores excellent on profitability, but there are some minor concerns on its financial health. While showing a medium growth rate, IFC is valued expensive at the moment. Finally IFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

7

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.
  • 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 2025 1B 2B 3B 4B 5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 5.21%, IFC belongs to the top of the industry, outperforming 94.94% of the companies in the same industry.
  • The Return On Equity of IFC (15.72%) is better than 91.14% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 7.52%, IFC belongs to the top of the industry, outperforming 94.94% of the companies in the same industry.
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROIC 7.52%
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 2025 5 10 15

1.3 Margins

  • With a decent Profit Margin value of 12.01%, IFC is doing good in the industry, outperforming 65.82% of the companies in the same industry.
  • In the last couple of years the Profit Margin of IFC has grown nicely.
  • IFC has a Operating Margin of 21.11%. This is in the better half of the industry: IFC outperforms 73.42% of its industry peers.
  • IFC's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 21.11%
PM (TTM) 12.01%
GM N/A
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
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 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IFC is destroying value.
  • IFC has less shares outstanding than it did 1 year ago.
  • IFC has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, IFC has an improved debt to assets ratio.
IFC.CA Yearly Shares OutstandingIFC.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2024 2025 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 2025 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.
  • With a decent Debt to FCF ratio value of 1.34, IFC is doing good in the industry, outperforming 75.95% of the companies in the same industry.
  • IFC has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • IFC has a Debt to Equity ratio of 0.25. This is amongst the best in the industry. IFC outperforms 86.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Altman-Z N/A
ROIC/WACC1
WACC7.55%
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 2025 5B 10B 15B 20B

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 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 33.06% 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 14.12% on average per year.
  • IFC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.93%.
  • The Revenue has been growing by 16.74% on average over the past years. This is quite good.
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%

3.2 Future

  • The Earnings Per Share is expected to decrease by -0.86% on average over the next years.
  • IFC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.50% yearly.
EPS Next Y-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
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 2028 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

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.59, IFC is valued correctly.
  • 77.22% of the companies in the same industry are cheaper than IFC, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.98. IFC is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 14.77, the valuation of IFC can be described as correct.
  • Based on the Price/Forward Earnings ratio, IFC is valued a bit more expensive than 70.89% of the companies in the same industry.
  • IFC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 13.59
Fwd PE 14.77
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 67.09% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, IFC is valued a bit more expensive than 70.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.79
EV/EBITDA 7.58
IFC.CA Per share dataIFC.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • IFC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.96
EPS Next 2Y-0.86%
EPS Next 3YN/A

More info and screens

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

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.43%, IFC is a good candidate for dividend investing.
  • IFC's Dividend Yield is a higher than the industry average which is at 4.24.
  • IFC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 5.43%

5.2 History

  • The dividend of IFC is nicely growing with an annual growth rate of 15.73%!
  • 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)15.73%
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 2026 1 2 3 4 5

5.3 Sustainability

  • 31.66% of the earnings are spent on dividend by IFC. This is a low number and sustainable payout ratio.
DP31.66%
EPS Next 2Y-0.86%
EPS Next 3YN/A
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 2025 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 (2/24/2026, 7:00:00 PM)

260.88

+2.05 (+0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners46.32%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap46.34B
Revenue(TTM)27.28B
Net Income(TTM)3.27B
Analysts75.56
Price Target325.22 (24.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.43%
Yearly Dividend5.83
Dividend Growth(5Y)15.73%
DP31.66%
Div Incr Years19
Div Non Decr Years19
Ex-Date03-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.29%
Min EPS beat(2)7.9%
Max EPS beat(2)16.68%
EPS beat(4)4
Avg EPS beat(4)16.77%
Min EPS beat(4)7.9%
Max EPS beat(4)30.16%
EPS beat(8)8
Avg EPS beat(8)31.32%
EPS beat(12)11
Avg EPS beat(12)25.92%
EPS beat(16)14
Avg EPS beat(16)21.3%
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-0.41%
Max Revenue beat(2)1.66%
Revenue beat(4)1
Avg Revenue beat(4)-0.88%
Min Revenue beat(4)-2.9%
Max Revenue beat(4)1.66%
Revenue beat(8)2
Avg Revenue beat(8)-1.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.39%
Revenue beat(16)7
Avg Revenue beat(16)6.71%
PT rev (1m)0.05%
PT rev (3m)0.05%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)0.43%
EPS NY rev (1m)0%
EPS NY rev (3m)0.75%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 13.59
Fwd PE 14.77
P/S 1.7
P/FCF 11.79
P/OCF 10.56
P/B 2.22
P/tB 4.2
EV/EBITDA 7.58
EPS(TTM)19.2
EY7.36%
EPS(NY)17.67
Fwd EY6.77%
FCF(TTM)22.13
FCFY8.48%
OCF(TTM)24.7
OCFY9.47%
SpS153.56
BVpS117.3
TBVpS62.19
PEG (NY)N/A
PEG (5Y)0.96
Graham Number225.11
Profitability
Industry RankSector Rank
ROA 5.21%
ROE 15.72%
ROCE 9.51%
ROIC 7.52%
ROICexc 7.69%
ROICexgc 10.29%
OM 21.11%
PM (TTM) 12.01%
GM N/A
FCFM 14.41%
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 3Y15.83%
ROICexgc growth 5Y12.36%
ROICexc growth 3Y16.69%
ROICexc growth 5Y11.57%
OM growth 3Y13.12%
OM growth 5Y8.13%
PM growth 3Y2.63%
PM growth 5Y7.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 1.34
Debt/EBITDA 0.8
Cap/Depr 57.34%
Cap/Sales 1.68%
Interest Coverage 25.37
Cash Conversion 66.94%
Profit Quality 120.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC7.55%
ROIC/WACC1
Cap/Depr(3y)64.38%
Cap/Depr(5y)67.42%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.77%
Profit Quality(3y)122.24%
Profit Quality(5y)128.87%
High Growth Momentum
Growth
EPS 1Y (TTM)33.06%
EPS 3Y17.35%
EPS 5Y14.12%
EPS Q2Q%11.56%
EPS Next Y-7.98%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y8.62%
Revenue growth 5Y16.74%
Sales Q2Q%6.15%
Revenue Next Year5.5%
Revenue Next 2Y6.19%
Revenue Next 3Y5.5%
Revenue Next 5YN/A
EBIT growth 1Y39.89%
EBIT growth 3Y22.87%
EBIT growth 5Y26.22%
EBIT Next Year8.2%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.89%
FCF growth 3Y6.5%
FCF growth 5Y12.42%
OCF growth 1Y29.55%
OCF growth 3Y6.19%
OCF growth 5Y13.28%

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 5 / 10 to IFC.CA.


Can you provide the valuation status for INTACT FINANCIAL CORP?

ChartMill assigns a valuation rating of 3 / 10 to INTACT FINANCIAL CORP (IFC.CA). This can be considered as Overvalued.


Can you provide the profitability details for INTACT FINANCIAL CORP?

INTACT FINANCIAL CORP (IFC.CA) has a profitability rating of 7 / 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 13.59 and the Price/Book (PB) ratio is 2.22.


Is the dividend of INTACT FINANCIAL CORP sustainable?

The dividend rating of INTACT FINANCIAL CORP (IFC.CA) is 8 / 10 and the dividend payout ratio is 31.66%.