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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.16
IFCZF's Cash to Debt is ranked higher than
53% of the 249 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. IFCZF: 0.16 )
IFCZF' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.16

Equity to Asset 0.27
IFCZF's Equity to Asset is ranked higher than
72% of the 248 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. IFCZF: 0.27 )
IFCZF' s 10-Year Equity to Asset Range
Min: 0.22   Max: 0.33
Current: 0.27

0.22
0.33
Interest Coverage 14.95
IFCZF's Interest Coverage is ranked higher than
69% of the 209 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 23.53 vs. IFCZF: 14.95 )
IFCZF' s 10-Year Interest Coverage Range
Min: 7.27   Max: 9999.99
Current: 14.95

7.27
9999.99
F-Score: 7
Z-Score: 1.22
WACC vs ROIC
3.70%
12.60%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 12.16
IFCZF's Operating margin (%) is ranked higher than
73% of the 249 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.63 vs. IFCZF: 12.16 )
IFCZF' s 10-Year Operating margin (%) Range
Min: 2.99   Max: 24.72
Current: 12.16

2.99
24.72
Net-margin (%) 9.93
IFCZF's Net-margin (%) is ranked higher than
75% of the 249 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.93 vs. IFCZF: 9.93 )
IFCZF' s 10-Year Net-margin (%) Range
Min: 2.99   Max: 17.58
Current: 9.93

2.99
17.58
ROE (%) 14.99
IFCZF's ROE (%) is ranked higher than
86% of the 248 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. IFCZF: 14.99 )
IFCZF' s 10-Year ROE (%) Range
Min: 4.42   Max: 40.95
Current: 14.99

4.42
40.95
ROA (%) 3.92
IFCZF's ROA (%) is ranked higher than
81% of the 249 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. IFCZF: 3.92 )
IFCZF' s 10-Year ROA (%) Range
Min: 1.2   Max: 7.98
Current: 3.92

1.2
7.98
ROC (Joel Greenblatt) (%) 882.88
IFCZF's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 202 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 259.58 vs. IFCZF: 882.88 )
IFCZF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 432.56   Max: 2769.57
Current: 882.88

432.56
2769.57
Revenue Growth (3Y)(%) 8.30
IFCZF's Revenue Growth (3Y)(%) is ranked higher than
78% of the 225 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. IFCZF: 8.30 )
IFCZF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.8   Max: 14.8
Current: 8.3

-3.8
14.8
EBITDA Growth (3Y)(%) 9.10
IFCZF's EBITDA Growth (3Y)(%) is ranked higher than
68% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.30 vs. IFCZF: 9.10 )
IFCZF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -50.9   Max: 80.8
Current: 9.1

-50.9
80.8
EPS Growth (3Y)(%) 15.20
IFCZF's EPS Growth (3Y)(%) is ranked higher than
73% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.80 vs. IFCZF: 15.20 )
IFCZF' s 10-Year EPS Growth (3Y)(%) Range
Min: -43.6   Max: 60.3
Current: 15.2

-43.6
60.3
» IFCZF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Latest Guru Trades with IFCZF

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Preferred stocks of Intact Financial Corp

SymbolPriceYieldDescription
IFC.PR.C.Canada24.854.23
IFC.PR.A.Canada21.304.93

Ratios

vs
industry
vs
history
P/E(ttm) 14.30
IFCZF's P/E(ttm) is ranked higher than
68% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.70 vs. IFCZF: 14.30 )
IFCZF' s 10-Year P/E(ttm) Range
Min: 8.03   Max: 139.1
Current: 14.3

8.03
139.1
Forward P/E 13.02
IFCZF's Forward P/E is ranked higher than
72% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.04 vs. IFCZF: 13.02 )
N/A
PE(NRI) 14.60
IFCZF's PE(NRI) is ranked higher than
75% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.70 vs. IFCZF: 14.60 )
IFCZF' s 10-Year PE(NRI) Range
Min: 8.03   Max: 136.42
Current: 14.6

8.03
136.42
P/B 2.20
IFCZF's P/B is ranked higher than
51% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. IFCZF: 2.20 )
IFCZF' s 10-Year P/B Range
Min: 1.2   Max: 2.69
Current: 2.2

1.2
2.69
P/S 1.50
IFCZF's P/S is ranked higher than
59% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.31 vs. IFCZF: 1.50 )
IFCZF' s 10-Year P/S Range
Min: 0.8   Max: 2.56
Current: 1.5

0.8
2.56
PFCF 9.70
IFCZF's PFCF is ranked higher than
80% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 32.78 vs. IFCZF: 9.70 )
IFCZF' s 10-Year PFCF Range
Min: 5.85   Max: 101.91
Current: 9.7

5.85
101.91
POCF 9.21
IFCZF's POCF is ranked higher than
82% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.72 vs. IFCZF: 9.21 )
IFCZF' s 10-Year POCF Range
Min: 5.41   Max: 48.13
Current: 9.21

5.41
48.13
EV-to-EBIT 13.49
IFCZF's EV-to-EBIT is ranked higher than
72% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.11 vs. IFCZF: 13.49 )
IFCZF' s 10-Year EV-to-EBIT Range
Min: -781.5   Max: 126.7
Current: 13.49

-781.5
126.7
PEG 0.68
IFCZF's PEG is ranked higher than
92% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. IFCZF: 0.68 )
IFCZF' s 10-Year PEG Range
Min: 1.53   Max: 5.49
Current: 0.68

1.53
5.49
Shiller P/E 20.50
IFCZF's Shiller P/E is ranked higher than
65% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.51 vs. IFCZF: 20.50 )
IFCZF' s 10-Year Shiller P/E Range
Min: 11.67   Max: 23.11
Current: 20.5

11.67
23.11
Days Sales Outstanding 113.32
IFCZF's Days Sales Outstanding is ranked higher than
81% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. IFCZF: 113.32 )
IFCZF' s 10-Year Days Sales Outstanding Range
Min: 113.23   Max: 175.23
Current: 113.32

113.23
175.23

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.40
IFCZF's Dividend Yield is ranked lower than
55% of the 222 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.83 vs. IFCZF: 2.40 )
IFCZF' s 10-Year Dividend Yield Range
Min: 0.77   Max: 4.48
Current: 2.4

0.77
4.48
Dividend Payout 0.32
IFCZF's Dividend Payout is ranked higher than
79% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.61 vs. IFCZF: 0.32 )
IFCZF' s 10-Year Dividend Payout Range
Min: 0.1   Max: 1.63
Current: 0.32

0.1
1.63
Dividend growth (3y) 9.10
IFCZF's Dividend growth (3y) is ranked higher than
78% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.40 vs. IFCZF: 9.10 )
IFCZF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 24
Current: 9.1

0
24
Yield on cost (5-Year) 3.63
IFCZF's Yield on cost (5-Year) is ranked lower than
53% of the 224 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.62 vs. IFCZF: 3.63 )
IFCZF' s 10-Year Yield on cost (5-Year) Range
Min: 1.16   Max: 6.77
Current: 3.63

1.16
6.77
Share Buyback Rate -4.50
IFCZF's Share Buyback Rate is ranked higher than
62% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. IFCZF: -4.50 )
IFCZF' s 10-Year Share Buyback Rate Range
Min: 3.6   Max: -12.7
Current: -4.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 4.30
IFCZF's Price/Tangible Book is ranked lower than
54% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.80 vs. IFCZF: 4.30 )
IFCZF' s 10-Year Price/Tangible Book Range
Min: 1.46   Max: 4.14
Current: 4.3

1.46
4.14
Price/DCF (Projected) 1.10
IFCZF's Price/DCF (Projected) is ranked higher than
74% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. IFCZF: 1.10 )
IFCZF' s 10-Year Price/DCF (Projected) Range
Min: 0.53   Max: 1.2
Current: 1.1

0.53
1.2
Price/Median PS Value 1.20
IFCZF's Price/Median PS Value is ranked higher than
68% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. IFCZF: 1.20 )
IFCZF' s 10-Year Price/Median PS Value Range
Min: 0.78   Max: 1.68
Current: 1.2

0.78
1.68
Price/Graham Number 1.50
IFCZF's Price/Graham Number is ranked higher than
55% of the 292 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. IFCZF: 1.50 )
IFCZF' s 10-Year Price/Graham Number Range
Min: 0.84   Max: 3.09
Current: 1.5

0.84
3.09
Earnings Yield (Greenblatt) 7.60
IFCZF's Earnings Yield (Greenblatt) is ranked higher than
59% of the 248 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. IFCZF: 7.60 )
IFCZF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 13.4
Current: 7.6

0.8
13.4
Forward Rate of Return (Yacktman) 7.62
IFCZF's Forward Rate of Return (Yacktman) is ranked higher than
71% of the 177 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.24 vs. IFCZF: 7.62 )
IFCZF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.7   Max: 14.3
Current: 7.62

4.7
14.3

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
Traded in other countries:IFC.PR.C.Canada, IFC.PR.A.Canada, IFC.Canada, I5U.Germany,
Intact Financial Corp was incorporated and domiciled in Canada on December 10, 2004. The Company provides property and casualty insurance in Canada. It insures more than five million individuals and businesses through its insurance subsidiaries and provides insurance in British Columbia, Alberta, Ontario, Quebec and Nova Scotia. It distributes insurance under the Intact Insurance brand through a network of brokers and its wholly owned subsidiary, BrokerLink. It also distributes insurance directly to consumers through belair direct and Grey Power. The Company's insurance business is organized into two lines: personal and commercial insurance. Its insurance products are automobile, property and liability insurance, which it provides to individuals and small to medium-sized businesses across Canada. The Company's automobile insurance business provides coverage to customers, depending on where they reside in Canada, for their liability, their personal injury or accident benefits and damage to their vehicles. Its coverage is also available for motor homes, recreational vehicles, snowmobiles and antique and classic cars. commercial liability, errors and omissions insurance covering directors and officers, as well as liability insurance for products and operations. Its surety business provides coverage to businesses through contract bonds, administrative bonds and miscellaneous surety bonds. Clients are typically contractors, manufacturers, suppliers, transportation businesses and service providers.

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