Intact Financial Corporation

Intact Financial Corporation

IFC-PG.TO
Intact Financial CorporationCA flagToronto Stock Exchange
25.65
CAD
+0.05
- -
22.16BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
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
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Sales/Revenue/Turnover
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
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
90
96
110
110
115
158
235
314
461
563
597
726
797
785
Net Income, GAAP
431
782
706
541
792
707
754
1,082
2,067
2,454
1,316
2,297
3,365
3,441
Effective Tax Rate (%)
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
Profit Margin (%)
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
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
Total Equity
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
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
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 Common Equity (%)
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

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
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Charles Joseph Gaston Brindamour
Full Time Employees
31,000
Sector
Financial Services
Industry
Insurance - Property & Casualty
Address
700 University Avenue Toronto ON Canada M5G 0A1
IPO Date
May 29, 2018
Business
Intact Financial Corporation is a leading provider of property and casualty insurance in Canada and a significant specialty insurer in North America and the United Kingdom. It offers a broad portfolio of insurance products including personal auto; commercial property and liability; personal property; commercial specialty lines; and financial services insurance tailored for commercial banks and financial institutions. The company operates through key brands such as Intact Insurance, belairdirect, BrokerLink, Intact Insurance Specialty Solutions (including OneBeacon and The Guarantee Company of North America), RSA Insurance Group in the UK and Ireland, and On Side Restoration, a national restoration firm. Founded in 180 years ago and headquartered in Toronto, Canada, Intact has developed a leading market presence via organic growth and strategic acquisitions. Recent major developments include the acquisition of Direct Line Insurance Group's brokered Commercial Lines operations in the UK, enhancing its UK commercial lines platform and broker network; the acquisition of Jiffy Inc., Canada's largest home renovation insurance provider, expanding its specialty insurance offerings; and BrokerLink's aggressive expansion through multiple acquisitions of brokerages across Ontario, Alberta, Manitoba, and Saskatchewan, broadening Intact's retail broker footprint in Canada. The company continues vertical integration of claims services with investments in auto body repair shops and restoration businesses. Additionally, Intact completed a $150 million preferred share issuance to support growth initiatives. These moves reinforce Intact's strategy to deepen market penetration, diversify geographic reach, and enhance customer experience across its core and specialty insurance segments.