Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/b29aeb83-88fa-47b3-bf7a-8e7f83c29e12/

IFC

Intact Financial Corporation
Chart
294.61 CAD
Latest Week 2026-07-10
Financial ServicesInsurance - Property & CasualtyLARGE
Snapshot 2026-07-12 · 0.7w · Fresh
0.72
OS Score
74.0%
Value
76.0%
Quality
16.0%
Momentum
6/9
F-Score
0.750
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
5 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
QV 0.750
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
9.6%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
2.6%
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.88
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
74.0%ile
P/E
15.1×
P/S
2.0×
P/B
2.4×
E/P
0.0819
FCF Yield
0.066
EBITDA/EV
0.096
SH Yield
0.026
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
37.00000000
/100 — 1=cheapest
VC2 (Trending Value)
36.00000000
/100
VC3 (Buyback)
36.00000000
/100
FCF yield of 6.6% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
76.0%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
16.0%ile
6M Return
6.3%
12M Return
-3.3%
12-1 Mom
-9.3%
Risk-Adj
-0.46
Vol 252d
20.2%
Vol 60d
44.6%
↑ Expanding
Max DD 12M
-18.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (45%) is expanding vs long-term (20%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.72
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 82 peers
Sector Value %ile
68.7%
Sector Quality %ile
81.9%
P/E z-score
-0.03
P/B z-score
0.03
Sector Avg OS
56.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
XAU Goldmoney Inc. 98.0% 99.0% 88.0% 80.0%
CXI Currency Exchange International, Corp. 96.0% 91.0% 86.0% 73.0%
PWI Power & Infrastructure Split Corp. 96.0% 92.0% 83.0% 74.0%
AGF-B AGF Management Limited 96.0% 88.0% 81.0% 82.0%
MFC Manulife Financial Corporation 94.0% 89.0% 81.0% 73.0%
DS Dividend Select 15 Corp. 92.0% 83.0% 76.0% 67.0%
POW Power Corporation of Canada 91.0% 71.0% 73.0% 85.0%
IAG iA Financial Corporation Inc. 91.0% 77.0% 77.0% 70.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (74th) and quality (76th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Falling Knife
Weak momentum (16th) despite looking cheap (74th 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
63.4% avg (7 factors)
Quality
C
52.9% avg (5 factors)
Momentum
F
27.4% avg (4 factors)
Risk
A
83.1% 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
Score Trends6 snapshots
Factor Persistence6 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.720—6—
Value %ile0.740—6—
Quality %ile0.760—6—
Momentum %ile0.160—6—
F-Score6.000—0—
Confidence0.831—6—
Volatility0.202—0—
Value Lens2021-07-13 → 2026-07-12
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
15.14
Earnings Yield (E/P)
0.0819
Price / Sales
2.00
Price / Book
2.45
Price / Cash Flow
12.30
FCF Yield
6.6%
EBITDA / EV
9.6%
Sales Yield (1/P·S)
0.4597
Shareholder Yield
Div + net buyback / mktcap
2.6%
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
6.3%
12M Return
-3.3%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-9.3%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.46
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
1.9%
Buyback Yield
0.7%
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
37
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
36
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
36
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