Intact Financial Corporation

Intact Financial Corporation

IFC-PA.TO
Intact Financial CorporationCA flagToronto Stock Exchange
22.95
CAD
-0.20
- -
52.37BMarket Cap
Intact Financial Corporation
IFC-PA.TO
(Toronto Stock Exchange)

Recent

price

22.95

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
4,766
5,487
7,074
7,449
7,940
8,092
8,511
9,362
10,576
11,349
12,462
17,577
22,539
23,290
24,984
26,073
26,063
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
47
53
76
90
96
110
110
115
158
235
314
461
563
597
726
797
785
Depreciation Expense
498
465
571
431
782
706
541
792
707
754
1,082
2,067
2,454
1,316
2,297
3,365
3,441
Net Income, GAAP
21.82
23.06
19.8
7.31
18.29
19.31
21.14
15.92
20.2
9.48
20.38
18.69
18.52
26.22
19.74
21.87
22.11
Effective Tax Rate (%)
10.45
8.47
8.07
5.79
9.85
8.72
6.36
8.46
6.68
6.64
8.68
11.76
10.89
5.65
9.19
12.91
13.2
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
496
893
1,143
1,143
1,143
1,143
1,393
2,181
2,224
2,658
3,278
5,229
1,178
4,683
5,027
4,850
4,628
LT Debt
2,969
4,341
4,893
4,954
5,455
5,724
6,088
7,463
7,810
8,747
9,583
17,203
16,128
16,475
18,148
20,836
21,271
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
23.84
13.47
11.21
8.45
13.67
11.56
8.58
10.42
8.22
8.16
9.97
12.54
11.77
6.61
10.85
14.58
14.68
Return on Capital (%)
28.73
18.25
14.97
10.34
17.49
14.35
10.39
13.64
10.32
10.26
13.7
18.32
16.22
8.23
14.4
19.01
19.29
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
122
402
334
LT Borrowings
4,656
4,176
3,934
LT Finance Leases
679
674
694
Preferred Equity and Hybrid Capital
1,619
1,766
2,013
Shares Outstanding
178
178
177
Market Capitalization
- -
- -
- -

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
19,737
18,797
19,501
Accounts Receivable, Net
223
86
317
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
2,410
2,199
2,178
ST Debt
122
402
334
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.55%
20.08%
14.81%
Free Cash Flow
27.36%
26.57%
32.89%
Net Income, GAAP
24.69%
36.89%
46.5%
Sales/Revenue/Turnover
12.95%
16.85%
4.36%
Total Cash Common Dividend
12.4%
15.08%
9.73%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,008
6,041
6,799
6,137
24,984
2025
6,403
6,330
6,698
6,643
26,073
2026
6,392
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Intact Financial Corporation provides property and casualty insurance products and services across Canada, the United States, the United Kingdom, and Ireland through subsidiaries including Intact Insurance, belairdirect, BrokerLink, Johnson, Intact Prestige, Intact Insurance Specialty Solutions, Intact Public Entities, On Side Restoration, Jiffy, RSA, and 123.ie; core offerings encompass personal auto and property insurance, commercial lines for small to mid-sized businesses, specialty insurance programs in areas such as accident and health, surety, technology, ocean marine, management liability, professional liability, cyber endorsements, tuition reimbursement, life sciences, marine, renewable energy, and trade credit, as well as restoration services and direct-to-consumer distribution channels. The company, founded in 1809 and headquartered in Toronto, Canada, operates as the largest provider of property and casualty insurance in Canada with approximately $24 billion in annual direct premiums written, serving over five million personal, business, and public sector customers primarily through a broker network supplemented by digital platforms. Intact targets individual consumers, small to mid-sized enterprises, high-net-worth clients, and public entities in North America and select international markets, leveraging a multi-channel distribution strategy and in-house claims expertise to maintain scale advantages and disciplined underwriting. In recent developments, Intact acquired Direct Line Insurance Group's brokered commercial lines operations in October 2023 for approximately £530 million to strengthen its UK commercial platform and broker network; the company continues to integrate assets from its 2021 acquisition of RSA Insurance Group plc for $8.3 billion, which expanded its international specialty lines and established scale in the UK and Ireland; further enhancements include ongoing share repurchases such as $145 million in Q3 2025, a dividend increase to CA$1.33 per share, and expanded cross-border product launches like life sciences insurance in Canada alongside AI-driven efficiency initiatives and a heightened commitment to its municipal climate resiliency grant program totaling $3.1 million over 2024-2026.