Intact Financial Corporation
Intact Financial Corporation Fundamental Analysis
Intact Financial Corporation (IFTPF) shows moderate financial fundamentals with a PE ratio of 1.08, profit margin of 16.20%, and ROE of 17.09%. The company generates $28.6B in annual revenue with moderate year-over-year growth of 7.58%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 79.3/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze IFTPF's fundamental strength across five key dimensions:
Efficiency Score
WeakIFTPF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentIFTPF trades at attractive valuation levels.
Growth Score
ExcellentIFTPF delivers strong and consistent growth momentum.
Financial Health Score
ExcellentIFTPF maintains a strong and stable balance sheet.
Profitability Score
ExcellentIFTPF achieves industry-leading margins.
Key Financial Metrics
Is IFTPF Expensive or Cheap?
P/E Ratio
IFTPF trades at 1.08 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, IFTPF's PEG of 0.07 indicates potential undervaluation.
Price to Book
The market values Intact Financial Corporation at 0.17 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.16 times EBITDA. This is generally considered low.
How Well Does IFTPF Make Money?
Net Profit Margin
For every $100 in sales, Intact Financial Corporation keeps $16.20 as profit after all expenses.
Operating Margin
Core operations generate 20.72 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.09 in profit for every $100 of shareholder equity.
ROA
Intact Financial Corporation generates $5.35 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Intact Financial Corporation produces operating cash flow of $6.05B, showing steady but balanced cash generation.
Free Cash Flow
Intact Financial Corporation generates strong free cash flow of $5.42B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $30.39 in free cash annually.
FCF Yield
IFTPF converts 78.80% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
1.08
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.07
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.17
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.24
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.25
vs 25 benchmark
Current Ratio
Current assets to current liabilities
6.11
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.05
vs 25 benchmark
ROCE
Return on capital employed
0.07
vs 25 benchmark
How IFTPF Stacks Against Its Sector Peers
| Metric | IFTPF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 1.08 | 18.50 | Better (Cheaper) |
| ROE | 17.09% | 809.00% | Weak |
| Net Margin | 16.20% | 2211.00% | Weak |
| Debt/Equity | 0.25 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 6.11 | 692.04 | Strong Liquidity |
| ROA | 5.35% | -24328.00% (disorted) | Weak |
IFTPF outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Intact Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
63.66%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
138.35%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
105.42%
Industry Style: Value, Dividend, Cyclical
High Growth