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Home CompaniesIntact Financial Corporation

Intact Financial Corporation

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
282.15 CAD 19.42 ( 7.39%)
Last update at 2026-11-04T20:36:00Z
VOLUME
349292
Market Cap
46402.16M
P/E
14.24

Momentum Score

…

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. It offers insurance, such as personal auto that provides coverage from accidents, third-party liability, and physical damage; personal property which provides protection for homes and belongings from risks, including fire, theft, vandalism, water damages, other damages, and personal liability; and commercial line and specialty line insurance, including commercial auto, property, and liability coverages. The company also provides business insurance. It serves its products to accident and health, technology, ocean and inland marine, builder's risk, and entertainment, as well as financial professional lines; and various products to specialty property, surety, tuition reimbursement, general liability, and cyber and environmental institutions. The company offers specialty insurance products, including brokers, direct to consumer, agencies, wholesalers, affinity partners, Intact Prestige, and managing general agent platform. It offers its products through multiple distribution channels, such as brokers, direct-to-consumer, and managing general agent (MGA) platforms. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
266.12
Low
283.01
High
52 Week Price Range
242.63
Low
312.55
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Intact Financial Corporation is Canada's largest property and casualty insurer, offering personal and commercial insurance and specialty underwriting across North America and internationally. Long-term growth may be supported by scale-driven pricing, diversification into specialty and commercial lines, prudent underwriting and digital claims and distribution investments; investors may find the company attractive for its market position, cash generation history and focus on capital returns.
Key risks include underwriting volatility from severe weather and catastrophes, reserve adequacy and investment sensitivity to interest rates, and execution, regulatory or competitive pressures.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
262.73
Dividend Yield
2.04%
Revenue TTM
26067.00M
Revenue Per Share
146.36
Gross Profit TTM
4888.00M
Debt / Equity
0.25
ROE
17.26%
Net Debt
4175.00M
ROCE
7.73%
Diluted EPS TTM
18.35

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 4307.00M 2878.00M 1804.00M 2942.00M 2568.00M
Minority interest 0.00M -13.00M -15.00M 4.00M -21.00M
Net income 3365.00M 2297.00M 1316.00M 2424.00M 2067.00M
Selling general administrative 843.00M 756.00M 626.00M - -
Gross profit 5694.00M 4030.00M 2992.00M 21151.00M 17482.00M
Reconciled depreciation 797.00M 726.00M 597.00M 563.00M 461.00M
Ebit 4532.00M 3100.00M 2026.00M 3123.00M 2700.00M
Ebitda 5329.00M 3826.00M 2623.00M 3686.00M 3161.00M
Depreciation and amortization 797.00M 726.00M 597.00M 563.00M 461.00M
Operating income 4307.00M 2878.00M 1804.00M 3123.00M 2700.00M
Other operating expenses 21766.00M 22106.00M 21486.00M 18209.00M 14914.00M
Interest expense 225.00M 222.00M 222.00M 177.00M 153.00M
Tax provision 942.00M 568.00M 473.00M 522.00M 480.00M
Interest income 854.00M 735.00M 1365.00M 30.00M 723.00M
Net interest income -225.00M -222.00M -222.00M -177.00M -153.00M
Extraordinary items - - - - 0.00M
Income tax expense 942.00M 568.00M 473.00M 522.00M 480.00M
Total revenue 26073.00M 24984.00M 23290.00M 21151.00M 17482.00M
Total operating expenses 1387.00M 1152.00M 1188.00M 18209.00M 15009.00M
Cost of revenue 20379.00M 20954.00M 20298.00M - -
Total other income expense net 33.00M 31.00M 1900.00M -181.00M -132.00M
Net income from continuing ops 3365.00M 2310.00M 1331.00M 2420.00M 2088.00M
Net income applicable to common shares 3275.00M 2207.00M 1232.00M 2364.00M 2014.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 62868.00M 59526.00M 55979.00M 64959.00M 66349.00M
Intangible assets 4901.00M 5060.00M 5047.00M 4700.00M 4636.00M
Other current assets 565.00M - 2041.00M 6352.00M 7105.00M
Total liab 42032.00M 41378.00M 39504.00M 49274.00M 49566.00M
Total stockholder equity 20836.00M 18148.00M 16190.00M 15400.00M 15674.00M
Other current liab 2635.00M - -756.00M -2385.00M -2541.00M
Common stock 8089.00M - 8099.00M 7542.00M 7576.00M
Capital stock 9855.00M 9745.00M 9718.00M 8864.00M 8751.00M
Retained earnings 10316.00M 7922.00M 6503.00M 7352.00M 6183.00M
Other liab - - - 17408.00M 17887.00M
Good will 4889.00M 4507.00M 4085.00M 3350.00M 3066.00M
Other assets 1247.00M - 7042.00M -11154.00M -10231.00M
Cash 1077.00M 894.00M 1171.00M 1010.00M 2276.00M
Cash and equivalents 498.00M - - 410.00M 1375.00M
Total current liabilities 4218.00M - 756.00M 2385.00M 2541.00M
Net debt 4175.00M 3935.00M 4570.00M 4134.00M 3591.00M
Short term debt 402.00M - - 137.00M 439.00M
Short long term debt 402.00M 448.00M - 137.00M 439.00M
Short long term debt total 5252.00M - 5741.00M 5144.00M 5867.00M
Other stockholder equity 343.00M - 290.00M 269.00M 211.00M
Property plant equipment 865.00M - - 778.00M 774.00M
Total current assets 25764.00M - 3371.00M 33110.00M 34004.00M
Long term investments 40841.00M 38721.00M 35635.00M 34175.00M 34100.00M
Net tangible assets - - - 6028.00M 6797.00M
Short term investments 17846.00M 18004.00M 1384.00M 22836.00M 22721.00M
Net receivables 6276.00M 107.00M 816.00M 9264.00M 9007.00M
Long term debt 4176.00M 4381.00M 5081.00M 4387.00M 4790.00M
Inventory - - -2041.00M - -
Accounts payable 748.00M 768.00M 756.00M 2248.00M 2102.00M
Accumulated other comprehensive income 322.00M - -321.00M -1085.00M 529.00M
Non currrent assets other -138.00M - -811.00M -43003.00M -42576.00M
Non current assets total 37104.00M - 45566.00M 43003.00M 42576.00M
Capital lease obligations 674.00M 646.00M 660.00M 622.00M 638.00M
Long term debt total 4850.00M - - 4916.00M 4888.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -1503.00M -1614.00M -2005.00M -2746.00M -1778.00M
Change to liabilities - - - 277.00M 434.00M
Total cashflows from investing activities -2581.00M -1614.00M -2005.00M -2746.00M -5972.00M
Net borrowings -317.00M -568.00M 479.00M -855.00M 728.00M
Total cash from financing activities -1601.00M -2006.00M 321.00M -2207.00M 4206.00M
Change to operating activities - - - 187.00M 809.00M
Net income 4307.00M 2878.00M 1804.00M 2942.00M 2568.00M
Change in cash 216.00M -174.00M 161.00M -1266.00M 1359.00M
Begin period cash flow 997.00M 1171.00M 1010.00M 2276.00M 917.00M
End period cash flow 1213.00M 997.00M 1171.00M 1010.00M 2276.00M
Total cash from operating activities 4388.00M 3387.00M 1846.00M 3665.00M 3129.00M
Issuance of capital stock 147.00M 0.00M 847.00M 146.00M 4263.00M
Depreciation 797.00M 726.00M 597.00M 563.00M 461.00M
Other cashflows from investing activities -2124.00M -1185.00M -1547.00M -2335.00M -5645.00M
Dividends paid 1037.00M -953.00M -862.00M 762.00M 679.00M
Change to account receivables - - - -259.00M -90.00M
Sale purchase of stock -394.00M -204.00M -128.00M -262.00M -64.00M
Other cashflows from financing activities 147.00M -281.00M 281.00M 930.00M 6475.00M
Change to netincome - - - 473.00M -552.00M
Capital expenditures 457.00M 429.00M 458.00M 411.00M 327.00M
Change in working capital 806.00M 916.00M -289.00M 156.00M 1366.00M
Stock based compensation 147.00M 135.00M 123.00M 152.00M 60.00M
Other non cash items -1669.00M -1268.00M -389.00M -148.00M -1326.00M
Free cash flow 3931.00M 2958.00M 1388.00M 3254.00M 2802.00M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(CAD)
Price
(CAD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
IFC
Intact Financial Corporation		 19.42
7.39%		 282.15 14.24 14.68 1.78 2.43 2.01
FFH
Fairfax Financial Holdings Ltd		 260.97
10.49%		 2749.83 8.41 9.51 1.35 1.47 1.57
FFH-PK
Fairfax Financial Holdings Ltd Pref K		 0.19
0.76%		 25.30 0.15 - 0.67 - -
IFC-PG
Intact Financial Corp		 0.15
0.59%		 25.49 1.87 - 0.93 - -
IFC-PE
Intact Financial Corp Pref Series 5		 -0.05
0.22%		 23.00 1.84 - 0.76 - -

Profile*

Intact Financial Corporation

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. It offers insurance, such as personal auto that provides coverage from accidents, third-party liability, and physical damage; personal property which provides protection for homes and belongings from risks, including fire, theft, vandalism, water damages, other damages, and personal liability; and commercial line and specialty line insurance, including commercial auto, property, and liability coverages. The company also provides business insurance. It serves its products to accident and health, technology, ocean and inland marine, builder's risk, and entertainment, as well as financial professional lines; and various products to specialty property, surety, tuition reimbursement, general liability, and cyber and environmental institutions. The company offers specialty insurance products, including brokers, direct to consumer, agencies, wholesalers, affinity partners, Intact Prestige, and managing general agent platform. It offers its products through multiple distribution channels, such as brokers, direct-to-consumer, and managing general agent (MGA) platforms. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.

700 University Avenue, Toronto, ON, Canada, M5G 0A1

866 941 5094

https://www.intactfc.com

32000

Name Title Year Born
Mr. Charles J. G. Brindamour B.Sc. CEO & Director 1970
Mr. Louis Marcotte Exec. VP & CFO 1965
Dr. Louis Gagnon MBA Chief Exec. Officer of Canada NA
Mr. Timothy Michael Miller Chief Exec. Officer of Global Specialty Lines 1959
Mr. Patrick Barbeau Exec. VP & COO NA
Mr. David W. Tremblay Deputy Sr. VP & Chief Investment Officer of Intact Investment Management Inc NA
Mr. Shubha Rahman Khan VP of Investor Relations NA
Mr. Frederic Cotnoir Exec. VP, Chief Legal Officer & Sec. NA
Ms. Anne Fortin Exec. VP of Direct Distribution and Chief Marketing & Communications Officer NA
Jennifer Beaudry Mang. of Media Relations NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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