Intact Financial Corporation

Intact Financial Corporation

INTAF
Intact Financial CorporationUS flagOther OTC
116.16
USD
+98.41
- -
20.66BMarket Cap
Intact Financial Corporation
INTAF
(Other OTC)

Recent

price

116.16

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
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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
26,063
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
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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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
14.68
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
- -
- -
- -

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
- -
- -
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2026
- -
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Business
Intact Financial Corporation ranks as the largest provider of property and casualty insurance in Canada and a leading specialty insurer in North America, alongside a prominent position in commercial lines within the United Kingdom and Ireland; it offers a diverse portfolio encompassing personal auto, personal property, commercial property and liability, and specialty lines including accident and health, technology, ocean and inland marine, builder's risk, entertainment, and financial services coverages through powerhouse brands such as Intact Insurance, belairdirect, BrokerLink, Intact Prestige, Johnson, Intact Insurance Specialty Solutions, Intact Public Entities, On Side Restoration, Jiffy in Canada; Intact Insurance Specialty Solutions in the United States; and RSA and 123.ie in the UK, Ireland, and select European markets. Headquartered in Toronto, Canada, with roots tracing back to 1809 via the Halifax Fire Insurance Association, the company operates through segments covering Canada, the United States, and the United Kingdom and International regions, serving over four million consumers, businesses, brokers, and affinity groups with multi-channel distribution including brokers, direct-to-consumer platforms, and managing general agents across approximately 350 offices and a workforce exceeding 30,000 employees. Recent developments include the 2021 acquisition of RSA Insurance Group in partnership with Tryg A/S to expand into the UK, Ireland, and Europe; the 2023 purchase of Direct Line Insurance Group's brokered Commercial Lines operations for around 520 million pounds to bolster RSA's UK platform, broker networks, and product breadth; full ownership consolidation of On Side Restoration by 2020 for enhanced claims repair services; elevated investment in the Municipal Climate Resiliency Grants program to 3.1 million dollars over 2024-2025 to aid 19 Canadian communities amid climate challenges; a 150 million dollar Series 13 preferred share offering completed in November 2025 to fortify capital flexibility; and strategic expansions such as growth in the US Renewable Energy vertical, advanced pricing implementations across key portfolios, and heightened focus on managing general agent channels and cross-selling within 12 US verticals.