ScoreWhy is Intact Financial Corp. ?
1
Strong Long Term Fundamental Strength with a 19.55% CAGR growth in Net Sales
2
Flat results in Jun 26
- INTEREST COVERAGE RATIO(Q) Lowest at 314.81
- OPERATING PROFIT(Q) Lowest at CAD 1,030 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 13.24 %
3
With ROE of 17.66%, it has a fair valuation with a 2.37 Price to Book Value
- Over the past year, while the stock has generated a return of -1.53%, its profits have risen by 44.8% ; the PEG ratio of the company is 0.3
4
Majority shareholders : FIIs
5
Underperformed the market in the last 1 year
- Even though the market (S&P/TSX 60) has generated returns of 29.63% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -1.53% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Intact Financial Corp. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Intact Financial Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Intact Financial Corp.
-1.53%
8.05
21.39%
S&P/TSX 60
29.63%
2.46
12.04%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.55%
EBIT Growth (5y)
-169.52%
EBIT to Interest (avg)
0.34
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
22.39%
Dividend Payout Ratio
28.93%
Pledged Shares
0
Institutional Holding
0.40%
ROCE (avg)
0.39%
ROE (avg)
14.85%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
2.37
EV to EBIT
NA
EV to EBITDA
66.57
EV to Capital Employed
2.26
EV to Sales
1.74
PEG Ratio
0.30
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
17.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CAD 4,178 MM
DIVIDEND PER SHARE(HY)
Highest at CAD 0
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DEBT-EQUITY RATIO
(HY)
Lowest at 12.79 %
NET SALES(Q)
Highest at CAD 7,779 MM
-7What is not working for the Company
INTEREST COVERAGE RATIO(Q)
Lowest at 314.81
OPERATING PROFIT(Q)
Lowest at CAD 1,030 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 13.24 %
PRE-TAX PROFIT(Q)
Lowest at CAD 995 MM
NET PROFIT(Q)
Lowest at CAD 783.25 MM
EPS(Q)
Lowest at CAD 3.9
Here's what is working for Intact Financial Corp.
Operating Cash Flow
Highest at CAD 4,178 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CAD MM)
Dividend per share
Highest at CAD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (CAD)
Net Sales
Highest at CAD 7,779 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (CAD MM)
Debt-Equity Ratio
Lowest at 12.79 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Intact Financial Corp.
Interest Coverage Ratio
Lowest at 314.81
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Operating Profit
Lowest at CAD 1,030 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (CAD MM)
Operating Profit Margin
Lowest at 13.24 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at CAD 995 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (CAD MM)
Net Profit
Lowest at CAD 783.25 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (CAD MM)
EPS
Lowest at CAD 3.9
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (CAD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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