OTC: IFCZF - Intact Financial Corporation

Yield per half year: +3.3%
Dividend yield: +1.92%
Sector: Financials

Reporting Intact Financial Corporation

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
9.25 8.97 10.68 10.77 13.11 14.79 22.76 25.12 26.21 26.09 20.40 14.86
Выручка, млрд $
8.51 9.33 10.6 11.35 12.46 17.48 21.15 22.09 24.44 24.44 19.52 14.42
Чистая прибыль, млрд $
0.541 0.792 0.667 0.709 1.08 2.07 2.45 1.32 2.3 2.3 1.84 16.32
EV, млрд $
10.28 12.76 12.18 14.53 18.77 25.71 38.57 41.64 51.77 51.77 35.29 22.50
EBIT, млрд $
0.632 0.421 0.676 0.629 0.5 0.897 1.87 3.12 0.081 0.081 1.29 -30.51
EBITDA, млрд $
0.742 0.531 0.791 0.787 0.735 1.21 2.33 3.69 0.678 0.678 1.73 -1.60
Баланс стоимость, млрд $
6.09 7.46 7.81 8.75 9.58 15.67 15.4 16.19 18.15 18.15 15.00 13.63
FCF, млрд $
0.805 0.683 0.716 1.17 2.19 2.8 3.25 1.39 2.96 2.96 2.52 6.21
Операционный денежный поток, млрд $
0.925 0.781 0.833 1.29 2.35 3.13 3.67 1.85 3.39 3.39 2.88 7.60
Операционная прибыль, млрд $
0.632 0.421 0.676 0.629 0.5 0.897 1.87 3.12 5.08 0.081 2.29 58.99
Операционные расходы, млрд $
-8.09 -8.65 -9.97 -10.85 -11.57 -15.61 -18.03 22.09 21.57 21.57 -0.3100 -213.27
CAPEX, млрд $
0.12 0.098 0.117 0.117 0.163 0.327 0.411 0.458 0.429 0.429 0.3576 21.35


Balance sheet

IFRS
Reporting Annual Quarterly
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
0.168 0.163 0.442 0.936 0.917 2.28 1.01 1.17 1.15 1.15 1.31 4.63
Short Term Investments $
1.38 1.41 1.17 1.47 1.55 22.72 22.84 1.38 18 18 13.30 63.30
Long term investments $
11.49 13.43 14.38 16.88 16.9 18.18 20.47 34.1 34.18 35.64 28.51 14.41
Total Receivables $
3.24 3.55 3.69 3.86 4.03 4.34 9.01 0.947 0.816 0.816 3.83 -27.34
Total Current Assets $
4.62 5.1 5.26 5.47 6.44 6.81 34 33.11 1.17 2.04 16.31 -28.90
Чистые активы, млрд $
0.104 0.139 0.164 0.17 0.538 0.52 0.774 0.778 12.39 25.13 3.00 87.27
Активы, млрд $
22.99 27.93 28.46 32.29 35.12 66.35 64.96 55.98 59.53 59.53 56.39 11.13
Short Term Debt $
1.08 0.9836 0.032 0.06 0.165 0.439 0.137 0.384 0.148 0.148 0.2546 -2.15
Long Term Debt $
1.39 2.18 2.21 2.2 3.04 4.79 4.39 5.08 4.68 4.68 4.40 9.01
Задолженность, млрд $
16.9 20.47 20.65 23.55 25.54 49.57 49.27 39.5 41.38 41.38 41.05 10.13
Чистый долг, млрд $
1.23 2.08 1.77 1.89 2.57 3.59 4.13 4.57 3.68 3.68 3.71 7.44
Долг, млрд $
1.18 2.24 1.6 2.36 3.35 5.23 5.14 5.74 4.83 4.83 4.86 7.59
Interest income $
0.469 0.564 0.599 0.6 0.723 0.943 1.27 0.8270 16.22
Расходы на обслуживание долга $
0.072 0.082 0.103 0.11 0.115 0.153 0.177 0.222 0.222 0.222 0.1778 14.06
Чист. проц. доходы, млрд $
-0.072 -0.082 -0.103 -0.11 -0.115 -0.153 -0.177 -0.213 0.9398 -0.1536 14.13
Goodwill $
1.1 1.17 1.4 2.24 2.4 2.63 2.81 3.07 3.35 4.09 3.19 9.23
Амортизация, млрд $
0.11 0.11 0.115 0.158 0.235 0.314 0.461 0.563 0.597 0.597 0.4340 20.50
Себестоимость, млрд $
4.53 6.14 6.35 5.9 7.08 7.67 8.19 9.43 9.99 -5.08 6.04 -192.09
Товарно материальные запасы $
-0.383 -3.71 -4.04 -4.4 -5.14 -5.43 -11.53 2.02 3.37 3.37 -3.3420 -191.90


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 4.88 5.58 5.74 6.16 9.92 12.31 13.97 7.47 12.88 12.88 11.31 5.36
Цена акции ао 83.39 71.89 107.42 118.84 130.07 146.16 152.79 182.18 197.8 197.8 161.80 8.75
Число акций ао, млн 130.9 139.1 139.2 140.4 143 176.2 175.6 176.2 178.36 178.36 169.87 4.52
FCF/акцию 6.15 4.91 5.14 8.35 15.31 15.9 18.53 7.88 16.58 16.58 14.84 1.61


Efficiency

IFRS
Reporting Annual Quarterly
2011 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 8.89 10.61 8.54 8.11 11.29 13.19 15.79 8.33 13.38 13.38 17.45 12.40 3.46
ROA, % 2.35 2.84 2.34 2.2 3.08 3.12 3.74 2.18 3.98 3.98 4.76 3.22 5.26
ROIC, % 10.7 9.64 14.25 14.57 12.06 10.65 13.47 13.14 16.14 10.35 7.36 12.75 -0.57
ROS, % 8.49 6.29 6.25 8.68 11.82 11.6 5.96 9.4 9.4 9.4 25.00 9.64 -4.48
ROCE, % 6.92 9.06 8.05 5.72 9.36 11.16 4.99 0.138 0.4463 0.4463 6.39 5.22 -45.59
Ebit margin, % 4.41 7.2 10.71 14.77 0.3667 0.3314 0.3314 6.68 -45.97
Рентаб EBITDA, % 6.24 8.48 7.43 6.48 9.72 13.35 17.43 3.07 2.77 2.77 20.66 9.27 -22.20
Чистая рентаб, % 6.36 8.49 6.29 6.25 8.68 11.82 11.6 5.96 9.4 9.4 25.00 9.49 1.61
Operation Margin, % 7.25 5.93 4.41 7.2 10.71 14.77 22.98 0.2982 0.3314 0.3314 11.86 9.82 -50.10
Доходность FCF, % 14.75 8.65 8.97 6.39 6.65 8.95 14.8 12.31 12.96 5.29 10.86 -9.98


Coefficients

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
16.58 13.49 16.14 18.49 13.67 11.01 14.03 28.17 20.93 20.93 48.33 17.56 8.89
P/BV
1.47 1.43 1.38 1.5 1.54 1.45 2.2 2.25 2.65 2.65 7.81 2.02 11.47
P/S
1.05 1.15 1.02 1.15 1.19 1.3 1.63 1.68 1.97 1.97 16.50 1.55 10.61
P/FCF
15.64 15.04 11.17 6.76 8.12 7.72 18.89 18.8 8.82 8.82 2.41 12.47 1.67
E/P
0.0741 0.062 0.0541 0.0732 0.0908 0.0977 0.0502 0.0504 0.088 0.088 87.41 0.0754 -0.62
EV/EBIT
43.63 27.01 16.09 12.35 514.07 486.54 639.15 639.15 333.64 108.84
EV/EBITDA
12.35 13.86 16.13 19.69 19.77 10.93 11.02 10.46 61.41 58.13 -222.08 22.72 25.44
EV/S
1.28 1.37 1.28 1.94 1.47 1.82 1.89 2.12 2.12 2.12 16.20 1.88 7.60
EV/FCF
12.86 18.69 12.39 11.07 9.18 11.85 30 17.5 17.5 17.5 21.08 17.21 13.77
Debt/EBITDA
2.83 2.81 3.21 1.95 2.24 1.4 8.47 8.47 7.12 7.12 -305.66 5.54 26.02
Netdebt/Ebitda
2.63 2.25 2.57 2.12 1.54 1.12 6.74 6.66 5.43 5.43 -297.90 4.30 28.66
Debt/Ratio
0.0553 0.0802 0.0731 0.0993 0.0788 0.0792 0.1026 0.0811 0.0811 0.0811 0.12 0.0846 0.58
Debt/Equity
0.2051 0.3003 0.27 0.364 0.3336 0.334 0.3546 0.2661 2.28 2.28 11.37 0.7137 46.87
Debt/Net Income
1.66 2.83 3.33 3.22 2.53 2.1 4.36 2.1 2.1 2.1 30.43 2.64 -3.66
PEG
5.97 5.97 5.97 0.00
Бета
0.32 -1.29 -0.333 -0.333 -1.22 -0.4343 -201.34
Индекс Альтмана
0.9735 1.01 1.12 1.14 0.9642 1.14 6.03 4.57 5.15 5.15 50.21 3.57 39.81


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.3 0.324 0.378 0.43 0.474 0.527 0.679 0.862 0.953 0.6905 0.6990 14.99
Дивиденд
1.77 1.98 2.31 2.48 2.48 2.71 3.27 3.25 4.44 4.44 3.23 12.35
Див доход, ао, %
2.59 2.58 2.99 2.65 2.4 2.1 2.24 2.13 1.77 1.92 7.90 2.13 -5.91
Дивиденды / прибыль, %
59.89 47.73 64.47 66.85 48.71 32.85 31.05 65.5 41.49 41.49 516.47 43.92 -3.16
Dividend Coverage Ratio
3.33 3.33 3.33 0.00


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Other

IFRS
Reporting Annual
2023 2024 CAGR 5
Персонал, чел
29000 30000 1.71