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Intact Financial Corporation (IFC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Intact Financial Corporation

IFCMarket cap $30BPrice $168.4

Country🇨🇦Canada

SectorFinancials

IndustryInsurance

Sells property and casualty insurance across Canada, the US, and UK, covering everything from cars to businesses. It's Canada's largest P&C insurer, protecting roughly one in five Canadian homes and vehicles.

In Bastion Portfolios?

52W Return-8%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%4

Revenue Forecast

Rev CAGR (1y)-10%1

Rev CAGR (3y)+1%1

Rev CAGR (5y)+1%1

Earnings Forecast

EPS Growth Y+1-12%3

EPS Growth Y+2+10%6

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin18%7

Net Income Margin12%6

Free Cash Flow Margin14%7

Debt

Net Debt/EBITDA0.66

Efficiency

ROE17%7

ROA5%6

Earnings Stability55

GEAR+AVERAGE50

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)137

P/E Ratio (Forward 3y)136

P/BV2.16

EV Multiples

EV/EBITDA Fwd27

EV/EBIT Fwd27

Yield

Free Cash Flow Yield0.0%8

Dividend Yield2.5%6

Momentum

Short term

1 month return-10%3

3 month return-21%2

YTD return-15%3

Mid term

Price vs 52wHigh79%5

1 year return-8%4

Long term

3 year return+28%4

5 year return+60%6

Risk Shield

Price Risk

Beta0.58

Volatility21%9

Free Cash Flow

Free Cash Flow Margin14%7

Free Cash Flow Yield0.0%8

Quality

ROCE14%6

Earnings Stability55

Net Debt/EBITDA0.66

02Growth

Is it actually growing, and how fast?

IFCIntact Financial

Revenue FY25$19.0B

GROWTH RATING↗

VERY WEAK3 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y-10%1

Revenue, next 3Y, CAGR+1%1

Revenue, next 5Y, CAGR+1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-12%3

EPS growth, FY27E+10%6

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 3%/yr over the last 3 years and is set to keep growing around 0.6%/yr.

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 0.6%/yr). One year dips: EPS falls 12% next year.

WEAKNESSES

Growth is the weak spot here, trailing 97% of companies worldwide.

Revenue is set to grow 0.6%/yr over the next 3 years, behind most of the market.1/10

Over five years revenue is set to grow 1%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

IFCIntact Financial

Total return Current186%

Price return Current135%

MOMENTUM RATING↗

WEAK24 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%3

3-month return-21%2

YTD return-15%3

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-8%4

3-year return+28%4

5-year return+60%6

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+28% over three years and +60% over five), roughly average for the market.

It's down 8% over the past year, now 21% below its 52-week high. That is right in line with the market.

WEAKNESSES

The stock is underperforming over the past month (-10%), over three months (-21%) and so far this year (-15%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the stock is underperforming over the past month, over three months and so far this year.

04Value

Are you paying a fair price for it?

Stop guessing on Intact Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

IFCIntact Financial

Revenue FY25$19.0B

GROWTH RATING↗

VERY WEAK3 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%4

Revenue, next 1Y-10%1

Revenue, next 3Y, CAGR+1%1

Revenue, next 5Y, CAGR+1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-12%3

EPS growth, FY27E+10%6

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 3%/yr over the last 3 years and is set to keep growing around 0.6%/yr.

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 0.6%/yr). One year dips: EPS falls 12% next year.

WEAKNESSES

Growth is the weak spot here, trailing 97% of companies worldwide.

Revenue is set to grow 0.6%/yr over the next 3 years, behind most of the market.1/10

Over five years revenue is set to grow 1%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

IFCIntact Financial

Total return Current186%

Price return Current135%

MOMENTUM RATING↗

WEAK24 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%3

3-month return-21%2

YTD return-15%3

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-8%4

3-year return+28%4

5-year return+60%6

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+28% over three years and +60% over five), roughly average for the market.

It's down 8% over the past year, now 21% below its 52-week high. That is right in line with the market.

WEAKNESSES

The stock is underperforming over the past month (-10%), over three months (-21%) and so far this year (-15%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Intact Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community