Intact Financial Corporation
stock CA:IFC (TORONTO)

Alternative ID: CA45823T1066

Watch List

Exchange: TORONTO
Sector: Financial
Industry: Insurance—Property & Casualty
Market Cap: Large (35.92B)
Data in CAD

EPS: 7.20
Current PE: 27.49
BVPS: 79.21
Price/BVPS:
Dividend: 3.32 / 1.6%

Hist Grade: A+ (98.49)
YOY Grade: C (54.57)
Debt/FCF: 1.39
ROIC: 10.2%
PEG: 2.75
PEGY: 2.36

Value Price: 348.53
MOS Price: 174.26
MOS %:
Graham Number: 113.30
Graham MOS %:
IRT: 9.39

Market Price

Price is unknown

Stock Analyzer Tutorials

General Info

type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

Financial Statements

type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

Growth Grade and Financial Ratios

type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

Price Charts

type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Exchange: TORONTO
Sector: Financial
Industry: Insurance—Property & Casualty
Market Cap: Large (35.92B)
Inst. Ownership: 48.22%
Insider Ownership: 0.24%
Full Time Employees: 26000

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, Ireland, rest of Europe, and the Middle East. It offers personal auto insurance; insurance for motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles; personal property insurance, such as protection for homes and contents from risks, including fire, theft, vandalism, water damage, and other damages, as well as personal liability coverage; and property coverage for tenants, condominium owners, non-owner occupied residences, and seasonal residences. The company also provides insurance products for commercial lines for a group of small and medium sized businesses; commercial property insurance for the protection of physical assets of the business; and liability coverages comprising commercial general, product, and professional liability, as well as cyber endorsement. In addition, it offers commercial vehicle insurance coverages for the protection for commercial auto, fleets, garage operations, light trucks, public vehicles, and the specific needs of the sharing economy. Further, the company provides various personal levels of coverage to customers for their home, motor, pet, and other insurance products; general insurance, specialty lines, and risk management solutions; specialty insurance products for various product and customer groups, including accident and health, technology, ocean and inland marine, public entities, and entertainment, as well as financial services and institutions; and various products to specialty property, surety, tuition reimbursement, management liability, cyber, and environmental institutions. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement

Cash Flow Statement

Balance Sheet

Liquidity Ratios

Current Ratio

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Equity (BVPS)	28.97	33.03	33.25	36.44	37.99	41.47	46.56	49.27	49.83	56.22	79.21
growth rate		14.0%	0.7%	9.6%	4.3%	9.2%	12.3%	5.8%	1.1%	12.8%	40.9%
Earnings BIT	594.00	734.00	529.00	1,021.00	920.00	736.00	938.00	4,047.00	928.00	1,560.00	2,892.00
growth rate		23.6%	-27.9%	93.0%	-9.9%	-20.0%	27.5%	331.5%	-77.1%	68.1%	85.4%
Avg.PE	15.04	14.95	21.32	15.24	16.19	24.37	18.84	23.64	30.14	24.17	24.17
growth rate		-0.6%	42.6%	-28.5%	6.2%	50.5%	-22.7%	25.5%	27.5%	-19.8%	0.0%
ROA	2.92	2.97	2.18	3.88	3.38	2.45	3.11	2.51	2.33	3.06	3.97
growth rate		1.7%	-26.6%	78.0%	-12.9%	-27.5%	26.9%	-19.3%	-7.2%	31.3%	29.7%
ROE	13.44	14.22	9.72	16.58	13.84	9.98	12.90	10.50	9.78	12.77	17.58
growth rate		5.8%	-31.7%	70.6%	-16.5%	-27.9%	29.3%	-18.6%	-6.9%	30.6%	37.7%
ROIC	11.40	11.88	8.79	14.24
growth rate		4.2%	-26.0%	62.0%
Leverage	5.13	4.50	4.43	4.14	4.05	4.11	4.18	4.20	4.18	4.18	4.58
growth rate		-12.3%	-1.6%	-6.6%	-2.2%	1.5%	1.7%	0.5%	-0.5%	0.0%	9.6%
Balance Sheet	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Acct.Receivable			3,494.00	3,075.00	3,244.00	3,429.00	3,625.00	3,711.00	4,027.00	4,206.00	8,607.00
growth rate				-12.0%	5.5%	5.7%	5.7%	2.4%	8.5%	4.4%	104.6%
Acct.Payable			3,303.00	3,288.00	3,299.00	3,655.00	4,361.00	10,770.00	4,034.00	4,718.00	11,888.00
growth rate				-0.5%	0.3%	10.8%	19.3%	147.0%	-62.5%	17.0%	152.0%
Cur.Assets			4,180.00	3,590.00	3,799.00	4,215.00	5,117.00	5,363.00	6,843.00	7,760.00	18,665.00
growth rate				-14.1%	5.8%	11.0%	21.4%	4.8%	27.6%	13.4%	140.5%
Total Assets	19,753.00	19,813.00	19,774.00	20,580.00	21,315.00	22,866.00	27,838.00	28,461.00	32,292.00	35,119.00	66,349.00
growth rate		0.3%	-0.2%	4.1%	3.6%	7.3%	21.7%	2.2%	13.5%	8.8%	88.9%
Cash	206.00	172.00	99.00	89.00	141.00	168.00	163.00	442.00	936.00	917.00	2,276.00
growth rate		-16.5%	-42.4%	-10.1%	58.4%	19.2%	-3.0%	171.2%	111.8%	-2.0%	148.2%
Cur.Liabilities			8,053.00	8,250.00	8,604.00	9,299.00	10,807.00	17,328.00	11,182.00	12,690.00	26,824.00
growth rate				2.5%	4.3%	8.1%	16.2%	60.3%	-35.5%	13.5%	111.4%
Liabilities	15,412.00	14,920.00	14,820.00	15,125.00	15,591.00	16,778.00	20,375.00	20,651.00	23,545.00	25,536.00	49,566.00
growth rate		-3.2%	-0.7%	2.1%	3.1%	7.6%	21.4%	1.4%	14.0%	8.5%	94.1%
LT Debt	1,293.00	1,143.00	1,143.00	1,143.00	1,143.00	1,393.00	2,241.00	1,959.00	2,362.00	2,531.00	4,337.00
growth rate		-11.6%	0.0%	0.0%	0.0%	21.9%	60.9%	-12.6%	20.6%	7.2%	71.4%
Equity	4,341.00	4,893.00	4,465.00	4,966.00	5,235.00	5,599.00	6,680.00	6,782.00	7,719.00	8,408.00	14,499.00
growth rate		12.7%	-8.8%	11.2%	5.4%	7.0%	19.3%	1.5%	13.8%	8.9%	72.4%
Common Shares	115.00	131.00	132.00	132.00	132.00	131.00	133.00	2,816.00	3,265.00	3,265.00	7,576.00
growth rate		13.9%	0.8%	0.0%	0.0%	-0.8%	1.5%	2,017.3%	15.9%	0.0%	132.0%
Cash Flow Statement	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Capital Expenditures	56.00	73.00	98.00	97.00	89.00	120.00	98.00	117.00	117.00	163.00	327.00
growth rate		30.4%	34.3%	-1.0%	-8.3%	34.8%	-18.3%	19.4%	0.0%	39.3%	100.6%
Cash Dividends	178.00	231.00	254.00	276.00	300.00	324.00	378.00	430.00	474.00	527.00	679.00
growth rate		29.8%	10.0%	8.7%	8.7%	8.0%	16.7%	13.8%	10.2%	11.2%	28.8%
Cash From OA	532.00	723.00	185.00	1,412.00	889.00	925.00	781.00	833.00	1,290.00	2,352.00	3,129.00
growth rate		35.9%	-74.4%	663.2%	-37.0%	4.1%	-15.6%	6.7%	54.9%	82.3%	33.0%
FCF per Share	4.14	4.97	2.49	6.13	6.32	6.78	6.16	3.88	8.53	12.11	17.13
growth rate		20.1%	-49.9%	146.2%	3.1%	7.3%	-9.1%	-37.0%	119.9%	42.0%	41.5%
Sale Purchase of Stock				754.00	754.00	754.00	754.00
growth rate					0.0%	0.0%	0.0%
FCF	473.00	650.00	87.00	1,281.00	800.00	805.00	683.00	716.00	1,173.00	2,189.00	2,802.00
growth rate		37.4%	-86.6%	1,372.4%	-37.6%	0.6%	-15.2%	4.8%	63.8%	86.6%	28.0%
Income Statement	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Sales	5,503.00	7,008.00	7,476.00	7,980.00	8,099.00	8,507.00	9,245.00	10,602.00	11,308.00	12,485.00	17,883.00
growth rate		27.4%	6.7%	6.7%	1.5%	5.0%	8.7%	14.7%	6.7%	10.4%	43.2%
Op.Income	594.00	734.00	529.00	1,021.00	920.00	736.00	938.00	4,047.00	928.00	1,560.00	2,892.00
growth rate		23.6%	-27.9%	93.0%	-9.9%	-20.0%	27.5%	331.5%	-77.1%	68.1%	85.4%
IBT	594.00	712.00	465.00	957.00	875.00	686.00	942.00	886.00	833.00	1,359.00	2,568.00
growth rate		19.9%	-34.7%	105.8%	-8.6%	-21.6%	37.3%	-5.9%	-6.0%	63.2%	89.0%
Net Income	465.00	571.00	431.00	782.00	706.00	541.00	792.00	707.00	754.00	1,082.00	2,067.00
growth rate		22.8%	-24.5%	81.4%	-9.7%	-23.4%	46.4%	-10.7%	6.7%	43.5%	91.0%
EPS	3.96	4.20	3.10	5.79	5.20	3.97	5.75	4.79	5.08	7.20	12.40
growth rate		6.1%	-26.2%	86.8%	-10.2%	-23.7%	44.8%	-16.7%	6.1%	41.7%	72.2%
Gross Profit	814.00	994.00	628.00	1,109.00	1,023.00	842.00	1,055.00	4,214.00	1,147.00	1,906.00	3,305.00
growth rate		22.1%	-36.8%	76.6%	-7.8%	-17.7%	25.3%	299.4%	-72.8%	66.2%	73.4%

Quarterly Statements

Item Name	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Earnings BIT	691.00	493.00	1,132.00	242.00	730.00
growth rate		-28.7%	129.6%	-78.6%	201.7%
Balance Sheet	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Acct.Receivable	8,396.00	8,613.00	8,607.00	7,927.00	8,727.00
growth rate		2.6%	-0.1%	-7.9%	10.1%
Acct.Payable	27,258.00	27,297.00	11,888.00	27,108.00	26,388.00
growth rate		0.1%	-56.5%	128.0%	-2.7%
Cur.Assets	19,888.00	19,541.00	18,665.00	17,812.00	18,028.00
growth rate		-1.7%	-4.5%	-4.6%	1.2%
Total Assets	65,491.00	66,173.00	66,349.00	65,354.00	63,922.00
growth rate		1.0%	0.3%	-1.5%	-2.2%
Cash	3,382.00	3,014.00	2,276.00	1,151.00	1,223.00
growth rate		-10.9%	-24.5%	-49.4%	6.3%
Cur.Liabilities	40,851.00	41,273.00	26,824.00	41,113.00	40,603.00
growth rate		1.0%	-35.0%	53.3%	-1.2%
Liabilities	49,523.00	49,928.00	49,566.00	48,995.00	47,835.00
growth rate		0.8%	-0.7%	-1.2%	-2.4%
LT Debt	5,302.00	5,324.00	4,337.00	4,574.00	3,886.00
growth rate		0.4%	-18.5%	5.5%	-15.0%
Equity	13,676.00	13,948.00	14,499.00	14,465.00	14,193.00
growth rate		2.0%	4.0%	-0.2%	-1.9%
Common Shares	7,576.00	7,576.00	7,576.00	7,572.00	7,552.00
growth rate		0.0%	0.0%	-0.1%	-0.3%
Cash Flow Statement	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Capital Expenditures	65.00	106.00	106.00	85.00	108.00
growth rate		63.1%	0.0%	-19.8%	27.1%
Cash Dividends	214.00	160.00	173.00	192.00	192.00
growth rate		-25.2%	8.1%	11.0%	0.0%
Cash From OA	564.00	1,270.00	894.00	594.00	689.00
growth rate		125.2%	-29.6%	-33.6%	16.0%
Sale Purchase of Stock
growth rate
FCF	499.00	1,164.00	788.00	509.00	581.00
growth rate		133.3%	-32.3%	-35.4%	14.2%
Income Statement	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Sales	3,879.00	5,245.00	5,570.00	5,020.00	5,457.00
growth rate		35.2%	6.2%	-9.9%	8.7%
Op.Income	691.00	493.00	1,132.00	242.00	730.00
growth rate		-28.7%	129.6%	-78.6%	201.7%
IBT	676.00	391.00	871.00	612.00	1,399.00
growth rate		-42.2%	122.8%	-29.7%	128.6%
Net Income	566.00	295.00	692.00	459.00	1,183.00
growth rate		-47.9%	134.6%	-33.7%	157.7%
EPS
growth rate
Gross Profit	785.00	613.00	1,245.00	415.00	874.00
growth rate		-21.9%	103.1%	-66.7%	110.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A+ (98.49)

YOY Growth Grade:

C (54.57)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Dividend Yield: 1.6%
Beta: 0.63
Beta of 0.6263 suggests that the asset is less volatile than the rest of the market.
PE: 27.49
EY: 3.6%
PEG: 2.75
PEG Ratio of 2.75 suggests that stock is overpriced.
PEGY: 2.36
PEGY Ratio of 2.36 suggests that stock is overpriced.
Price/BVPS:

Profitability Ratios

ROE: 17.6%
Return on Equity (ROE) of 17.6% suggests that a company is doing well.
ROS: 16.2%
The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.
ROA: 3.9%
Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.
ROI: 17.7%
Return on Investment (ROI) of 17.7% suggests that a company is doing well.
ROIC: 10.2%
Return on Invested Capital (ROIC) of 10.2% suggests that management is inefficient or it could reflect a highly capitalized, conservatively operated business with little long term debt.

Liquidity Ratios

Current Ratio: 0.70
Current Ratio of 0.70 suggests that a company may not be able to pay off bills as rapidly as it should.
Quick Ratio: 0.41
Quick Ratio of 0.41 suggests that a company does not have enough cash to cover immediate liabilities.
Cash Turnover: -2.19
Turnover Of Cash Ratio of -2.19 suggests that a company may have funds tied up in short-term low-yielding assets or may have a cash surplus, which is not invested in the business.
Equity Ratio: 21.9%
Equity Ratio of 21.9% suggests that a company has high financing and debt service costs, not very attractive to investors.
Debt/Equity: 341.9%
Debt to Equity Ratio of 341.9% suggests that greater risk assumed by creditors, hence greater interest by them in the way the company is being managed.
Debt/FCF: 1.39
Debt/FCF of 1.39 suggests that a company is doing well and can pay off its long term debt within three years.

Efficiency Ratios

Avg Collection Period: 175.67
Average Collection Period of 175.67 days suggests a slow turnover, which may be the result of a number of bad accounts, or a tax collection policy or perhaps credit is being used to generate sales.
Inventory Turnover:
Cash Flow Ratio:
Profit Margin: 11.6%

Value Price

PE and EPS

	Historical	Current	Forward
PE	28.32	27.49	18.92
EPS / Growth	26.7%	7.20	10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 25.7%

Estimates	Pessimistic	Moderate	Optimistic
Rate of Return	15.0%
MOS Price %	50 %
Future EPS Growth	10.0%	20.8%	20.8%
Future PE	18.92	29.61	29.61
Future EPS	18.68	47.62	47.62
Value Price MOS %	87.38	348.53	348.53
MOS Price	43.69	174.26	174.26
IRT

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Graham Number: 113.30
Graham MOS:

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.