Intact Financial Corporation

Intact Financial Corporation

IFC.TO
Intact Financial CorporationCA flagToronto Stock Exchange
299.69
CAD
+0.90
- -
52.98BMarket Cap
Intact Financial Corporation
IFC.TO
(Toronto Stock Exchange)

Recent

price

299.69

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
41.44
47.59
54.08
56.26
60.38
61.54
64.87
70.34
75.98
81.35
87.15
108.23
128.35
132.18
140.12
146.4
146.45
Revenue per Share
4.33
4.03
4.37
3.26
5.95
5.37
4.12
5.95
4.79
5.08
7.2
12.4
13.63
6.99
12.38
18.39
19.07
Basic EPS, GAAP
2.77
3.64
4.97
0.66
10
6.08
6.14
5.13
5.14
8.41
15.31
17.36
18.53
7.88
16.59
22.07
20.87
Free Cash Flow per Basic Share
1.36
1.54
1.77
1.92
2.1
2.28
2.47
2.84
3.09
3.4
3.69
4.18
4.34
4.89
5.34
5.82
5.97
Dividend per Share
13.61
30.62
31.35
32
35.79
39.06
40.24
47.6
47.36
51.78
54.63
87.3
87.37
82.87
90.01
103.34
105.17
Book Value per Share
22.5
17.26
17.8
17.59
20.24
20.37
22.06
16.79
15.68
18.42
21.55
51.27
38.47
32.49
39.05
52.11
52.94
Tangible Book Value per Share
115
115
131
132
132
132
131
133
139
140
143
162
176
176
178
178
178
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
48,269
50,936
44,862

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
3.68
4.05
1.07
- -
12.38
2025
3.7
4.71
4.83
- -
18.39
2026
4.13
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.31
1.37
1.31
- -
5.34
2025
1.42
1.49
1.43
- -
5.82
2026
1.58
- -
- -
- -
- -
Business
Intact Financial Corporation (TSX: IFC) operates as one of Canada's largest property and casualty insurers, providing a broad range of personal and commercial insurance products and services including home, auto, business, farm, travel, pet, creditor and specialty insurance lines; it also offers wealth management, retirement planning, investment advisory, group benefits and reinsurance solutions through its subsidiaries. The company serves individual consumers, small to medium-sized businesses and commercial clients across key segments such as personal lines, commercial lines and specialty insurance, with primary operations in Canada, the United States and select international markets. Founded in 2004 through the merger of ING Canada and other entities, Intact Financial Corporation maintains its headquarters in Toronto, Ontario, and includes prominent subsidiaries such as Intact Insurance, belairdirect, Kanetix, and U.S.-based operations through OneBeacon and RSA Insurance. Intact Financial's core offerings encompass digital direct-to-consumer platforms like belairdirect for auto and home policies; broker-distributed products via Intact Insurance covering liability, property and fleet insurance; commercial solutions including property, liability, directors and officers coverage, and cyber risk management; as well as specialty lines such as ocean marine, aviation and warranty protection. In the wealth management space, it provides segregated funds, mutual funds, annuities and financial planning services under brands like Intact Investment Management. The company targets residential homeowners, drivers, enterprises in construction, manufacturing and technology sectors, and high-net-worth individuals seeking integrated risk management. In recent developments, Intact Financial Corporation completed the acquisition of RSA Insurance Group plc in 2023, significantly expanding its U.S. and UK presence with additional personal and commercial lines capabilities; it also announced a strategic partnership with Squaremouth in 2024 to enhance travel insurance distribution. The company launched new digital tools for small business quoting and expanded its pet insurance offerings through the acquisition of ForeverPet in 2024. Furthermore, Intact reported strong organic growth in 2025, driven by premium increases and favorable market conditions in its Canadian and U.S. operations.

Company News

APIChatGPT
  • Rory Meleniclis Named Chief Information Officer to Lead Next Phase of Technology Transformation for Global Specialty Lines at Intact Insurance

  • Intact Insurance Specialty Solutions Awards 16 College Scholarships