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IFC

Intact Financial Corporation
Chart
275.92 CAD
Latest Week 2026-06-05
Financial ServicesInsurance - Property & CasualtyLARGE
Snapshot 2026-06-07 · 0.0w · Fresh
0.73
OS Score
78.0%
Value
75.0%
Quality
10.0%
Momentum
6/9
F-Score
0.765
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
5 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
QV 0.765
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 14.2
◇
VC2 Cheapest
✗
📐
EBITDA/EV
10.2%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
3.0%
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
78.0%ile
P/E
14.2×
P/S
1.9×
P/B
2.3×
E/P
0.0869
FCF Yield
0.070
EBITDA/EV
0.102
SH Yield
0.030
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
33.00000000
/100 — 1=cheapest
VC2 (Trending Value)
31.00000000
/100
VC3 (Buyback)
33.00000000
/100
FCF yield of 7.0% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
75.0%ile
ROE
0.162
ROA
0.055
Net Margin
0.132
Op Margin
0.178
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.044
Earn Growth
0.471
Stability
0.135
lower=better
Accruals
-0.013
lower=better
5yr Consist
Yes
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
10.0%ile
6M Return
1.8%
12M Return
-9.8%
12-1 Mom
-16.6%
Risk-Adj
-0.85
Vol 252d
19.6%
Vol 60d
45.4%
↑ Expanding
Max DD 12M
-19.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -17% signals a downtrend — price is moving against you. Near-term vol (45%) is expanding vs long-term (20%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.73
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 82 peers
Sector Value %ile
75.9%
Sector Quality %ile
79.5%
P/E z-score
-0.08
P/B z-score
0.00
Sector Avg OS
58.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
XAU Goldmoney Inc. 98.0% 98.0% 64.0% 84.0%
PWI Power & Infrastructure Split Corp. 96.0% 92.0% 83.0% 74.0%
AGF-B AGF Management Limited 96.0% 93.0% 80.0% 72.0%
QRC Queen's Road Capital Investment Ltd. 95.0% 80.0% 82.0% 92.0%
CF Canaccord Genuity Group Inc. 95.0% 90.0% 78.0% 69.0%
DS Dividend Select 15 Corp. 92.0% 83.0% 76.0% 63.0%
POW Power Corporation of Canada 90.0% 75.0% 73.0% 77.0%
MFC Manulife Financial Corporation 90.0% 92.0% 81.0% 34.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (78th) and quality (75th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Falling Knife
Weak momentum (10th) despite looking cheap (78th value). Wait for momentum to stabilise.
Volatility Expanding
60-day vol (45%) significantly exceeds 252-day (20%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
66.0% avg (7 factors)
Quality
C
52.9% avg (5 factors)
Momentum
F
19.2% avg (4 factors)
Risk
A
84.0% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.730—1—
Value %ile0.780—1—
Quality %ile0.750—1—
Momentum %ile0.100—1—
F-Score6.000—0—
Confidence0.848—1—
Volatility0.196—1—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
14.18
Earnings Yield (E/P)
0.0869
Price / Sales
1.87
Price / Book
2.29
Price / Cash Flow
11.52
FCF Yield
7.0%
EBITDA / EV
10.2%
Sales Yield (1/P·S)
0.4881
Shareholder Yield
Div + net buyback / mktcap
3.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
16.2%
Return on Assets
5.5%
Net Margin
13.2%
Operating Margin
17.8%
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.013
External Financing
Net issuance — lower=better
0.011
MomentumPrice trend strength over different horizons
6M Return
1.8%
12M Return
-9.8%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-16.6%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.85
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
4.4%
Earnings Growth (YoY)
47.1%
Earnings Stability (CV)
Lower = more stable
0.135
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Dividend Yield
0.0%
Buyback Yield
0.8%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
33
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
31
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
33
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity