Intact Financial Corporation

Intact Financial Corporation

IFCZF
Intact Financial CorporationUS flagOther OTC
195.24
USD
+3.42
- -
34.52BMarket 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
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
Basic EPS, GAAP
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
Free Cash Flow per Basic Share
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
Dividend per Share
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
Book Value per Share
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
Tangible Book Value per Share
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
Basic Weighted Avg Shares
132
132
132
131
133
139
140
143
162
176
176
178
178
178
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
47,911
50,888
44,875

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
- -
- -
- -
- -

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
Apr 26, 2010
Business
Intact Financial Corporation Intact Financial Corporation (TSX:IFC) is Canada's largest provider of property and casualty insurance, a leading global specialty lines insurer, and a prominent player in commercial lines in the United Kingdom and Ireland through its RSA brands. The company underwrites personal auto insurance covering accidents, third-party liability, and physical damage; personal property insurance protecting homes and contents against fire, theft, vandalism, water damage, and personal liability; commercial lines including auto, property, and liability coverages; and specialty products such as pet insurance, travel insurance, builders risk, ocean and inland marine, cyber, environmental, surety, management liability, tuition reimbursement, and affinity group offerings including Intact Prestige for high-net-worth clients. It distributes these products via brokers including wholly owned subsidiary BrokerLink, direct-to-consumer channels like belairdirect, agencies, wholesalers, and managing general agent platforms, serving individuals, small to midsize businesses, financial institutions, and other sectors across Canada, the United States, the United Kingdom, Ireland, and Europe; Intact manages claims in-house with advanced analytics and operates Intact Insurance Specialty Solutions in the U.S. while providing risk management solutions. Founded in 1809 and headquartered at 700 University Avenue in Toronto, Canada, the company has grown to approximately 31,000 employees and nearly $24 billion in annual direct premiums written through organic expansion and 19 acquisitions since 1988. Recent developments include BrokerLink's acquisition of six brokerages in 2025 to reach $5 billion in operating direct premiums written and CDPQ's sale of 2.5 million shares in February 2025; earlier moves encompass the October 2023 purchase of Direct Line Insurance Group's brokered commercial lines operations for £530 million to bolster RSA's UK platform, full ownership of On Side Restoration in 2020 for enhanced claims services, and the transformative 2021 $9.3 billion acquisition of RSA Insurance Group plc with Tryg A/S, expanding European personal and commercial lines.

Company News

APIChat
  • Intact Financial Hasn't Been This Cheap In Years

  • Intact Financial Corporation (IFC:CA) Shareholder/Analyst Call Transcript

  • Intact Financial Corporation (IFC:CA) Q1 2026 Earnings Call Transcript

  • The Best Canadian Insurance Stocks: Which One Deserves Your Money?

  • Intact Financial Co. (OTCMKTS:IFCZF) Receives Consensus Rating of “Buy” from Brokerages

  • Q1 2026 In Review - March Dividend Income Report

  • Intact Financial (OTCMKTS:IFCZF) Reaches New 1-Year Low – Here’s What Happened

  • Intact Financial Co. (OTCMKTS:IFCZF) Receives Average Rating of “Buy” from Brokerages

  • The Two Forces Reshaping Your Portfolio - February Dividend Income Report

  • Intact Financial Corporation (IFC:CA) Q4 2025 Earnings Call Transcript

  • Intact Financial Co. (OTCMKTS:IFCZF) Given Consensus Recommendation of “Buy” by Analysts

  • Intact Financial Corporation Announces $150 Million Preferred Share Offering

  • Intact Financial Corporation (IFCZF) Q2 2025 Earnings Call Transcript

  • Intact Financial Corporation: Solid Growth But Wait For The Premium Price To Drop

  • Intact Financial Corporation (IFCZF) Q1 2025 Earnings Call Transcript

  • Canadian Banks Ranking 2025 - Which Bank To Hold?

  • AM Best Assigns Issue Credit Rating to Intact Financial Corporation's Senior Unsecured Medium-Term Notes

  • Intact Financial: Keep Your Cash Intact With A 6% Preferred Yield

  • Intact Financial Corporation (IFCZF) Q4 2024 Earnings Call Transcript

  • Intact Financial Corporation (IFCZF) Q3 2024 Earnings Call Transcript