Intact Financial Corporation

Intact Financial Corporation

IFC-PE.TO
Intact Financial CorporationCA flagToronto Stock Exchange
23.86
CAD
+0.02
- -
17.17BMarket Cap
Intact Financial Corporation
IFC-PE.TO
(Toronto Stock Exchange)

Recent

price

23.86

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
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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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 (TSX: IFC-PE.TO) ranks as Canada's largest provider of property and casualty insurance; it offers personal auto and property coverage, commercial lines, specialty insurance solutions including accident and health, surety, technology, ocean marine, builder's risk, and entertainment risks, as well as affinity, travel, and prestige insurance products through brands such as Intact Insurance, belairdirect, BrokerLink, Intact Prestige, Johnson, Jiffy, On Side Restoration, and Jevco; in the United States, it delivers specialty programs via Intact Insurance Specialty Solutions targeting small to midsize businesses; in the United Kingdom, Ireland, and Europe, it provides personal, commercial, and specialty insurance under RSA and 123.ie brands. The company operates through three main segments—Canada, United Kingdom and International, and United States—serving over five million personal, business, and public sector customers across North America and Europe with approximately $24 billion in annual direct premiums written; it manages investments in fixed-income securities and other assets via Intact Investment Management while employing 31,000 people across more than 350 offices. Founded in 1809 with roots in the Halifax Fire Insurance Association and headquartered in Toronto, Canada, Intact has expanded through 19 acquisitions since 1988, including the 2023 purchase of Direct Line Insurance Group's brokered UK commercial lines operations for £520 million to bolster its RSA platform and broker network; the 2021 joint acquisition of RSA Insurance Group with Tryg A/S to enter UK, Ireland, and European markets; full ownership of On Side Restoration in 2020 for enhanced claims repair services; and the 2019 acquisitions of The Guarantee Company of North America and Frank Cowan Company for specialty lines growth.