Intact Financial Corporation

Intact Financial Corporation

IFTPF
Intact Financial CorporationUS flagOther OTC
20.47
USD
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3.64BMarket Cap
Intact Financial Corporation
IFTPF
(Other OTC)

Recent

price

20.47

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
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Revenue per Share
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Basic EPS, GAAP
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Free Cash Flow per Basic Share
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Dividend per Share
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Book Value per Share
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Tangible Book Value per Share
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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
26,074
Sales/Revenue/Turnover
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Operating Margin (%)
47
53
76
90
96
110
110
115
158
235
314
461
563
597
726
797
797
Depreciation Expense
498
465
571
431
782
706
541
792
707
754
1,082
2,067
2,454
1,316
2,297
3,365
3,365
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
21.87
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
12.91
Profit Margin (%)
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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
4,850
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
20,836
Total Equity
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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
14.58
Return on Capital (%)
28.73
18.25
14.97
10.34
17.02
13.92
10
13.17
10.32
10.26
13.7
18.32
16.22
8.23
14.4
19.01
19.27
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
107
122
402
LT Borrowings
4,643
4,656
4,176
LT Finance Leases
677
679
674
Preferred Equity and Hybrid Capital
1,619
1,619
1,766
Shares Outstanding
178
178
178
Market Capitalization
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Working Capital

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
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Cash, Cash Equivalents & STI
19,506
19,737
18,797
Accounts Receivable, Net
94
223
86
Inventories
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Total Current Liabilities
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Payables & Accruals
1,900
2,410
2,199
ST Debt
107
122
402
Deferred Revenue
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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
13.17%
15.08%
9.73%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
5,789
5,319
5,518
6,664
23,290
2024
6,008
6,041
6,799
6,137
24,984
2025
6,403
6,330
6,698
6,643
26,073

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
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2024
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2025
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Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
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2024
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2025
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Business
Intact Financial Corporation Intact Financial Corporation (IFTPF) operates as Canada's largest provider of property and casualty insurance, offering a comprehensive range of personal, commercial, and specialty insurance products through subsidiaries including Intact Insurance, belairdirect, BrokerLink, Johnson, Intact Prestige, Intact Insurance Specialty Solutions, Intact Public Entities, On Side Restoration, Jiffy, and RSA; core offerings encompass personal auto and property coverage, non-standard auto insurance, home insurance for standard and high-net-worth clients, commercial lines such as general liability, product liability, professional liability, cyber endorsements, accident and health, surety, technology, ocean marine, specialty property, and management liability, alongside restoration services and direct-to-consumer options. The company serves over five million personal, business, and public sector customers primarily in Canada (accounting for 85% of direct premiums written), with additional operations in the United States focusing on small-to-mid-sized businesses, and in the United Kingdom and Ireland where it leads in commercial lines; it distributes products through broker networks (87% of Canadian premiums), direct channels like belairdirect (13%), and specialty platforms. Founded in 1809 and headquartered at 700 University Avenue in Toronto, Canada, Intact Financial Corporation employs approximately 31,000 people across more than 350 offices in North America and Europe, generating nearly $24 billion in annual operating direct premiums written through organic growth and disciplined acquisitions. Recent developments include the October 2025 announcement of a $150 million preferred share offering to bolster capital flexibility, continuation of portfolio rebalancing by major shareholder CDPQ which sold 2.5 million common shares in February 2025 while retaining a 6.6% stake, and integration benefits from prior acquisitions such as Direct Line Insurance Group's brokered commercial lines operations (closed October 2023, adding £530 million in premiums to enhance UK profitability) and RSA Insurance Group (closed June 2021, expanding international specialty expertise and UK/Ireland scale).