Infinium Zamora Inc.

Infinium Zamora Inc.

IFZZF
Infinium Zamora Inc.US flagOther OTC
20.93
USD
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3.73BMarket Cap
Infinium Zamora Inc.
IFZZF
(Other OTC)

Recent

price

20.93

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 is Canada's largest provider of property and casualty insurance products and services to individuals and businesses through subsidiaries including Intact Insurance, belairdirect, BrokerLink, and RSA brands. The company offers personal automobile insurance covering accidents, third-party liability, and physical damage; personal property insurance protecting homes, contents, and tenants from fire, theft, vandalism, water damage, and personal liability; commercial lines insurance encompassing property, liability, general commercial, product, professional, and cyber coverages for small and medium-sized businesses; specialty insurance products such as accident and health, technology, ocean and inland marine, builders risk, entertainment, surety, management liability, tuition reimbursement, and environmental risks; as well as pet insurance, travel insurance, recreational vehicle coverage for motor homes, motorcycles, snowmobiles, and all-terrain vehicles, and risk management solutions. Intact Financial Corporation distributes its products through multiple channels including brokers, direct-to-consumer platforms, affinity groups, agencies, wholesalers, and managing general agents, serving customers in Canada, the United States, the United Kingdom, Ireland, rest of Europe, and the Middle East. Founded in 1809 with roots in the Halifax Fire Insurance Association and headquartered at 700 University Avenue in Toronto, Ontario, Canada, the company operates over 350 offices with approximately 31,000 employees and generates nearly $24 billion in annual direct premiums written. In recent developments, its subsidiary BrokerLink completed three brokerage acquisitions on March 1, 2025, adding to six deals that year following 25 acquisitions in 2024, while earlier transactions include the October 2023 purchase of Direct Line Insurance Group plc's brokered commercial lines operations for approximately £530 million to bolster UK commercial capabilities, full ownership of On Side Restoration in 2020 for enhanced claims services, and the 2021 joint acquisition of RSA Insurance Group plc with Tryg A/S for $8.3 billion to expand into the UK, Ireland, and Europe.