RY 144.17 0.4529% TD 77.39 0.0517% SHOP 78.87 -1.3878% CNR 171.64 0.5625% ENB 50.09 -0.4769% CP 110.62 0.6277% BMO 128.85 -0.548% TRI 233.58 1.1563% CNQ 103.29 -0.174% BN 60.87 -0.2295% ATD 75.6 -1.447% CSU 3697.0 1.1582% BNS 65.76 -0.3485% CM 66.6 -0.5525% SU 54.21 1.1569% TRP 53.15 0.3398% NGT 58.54 -0.3405% WCN 226.5 0.4123% MFC 35.905 0.9986% BCE 46.75 -0.5954%
Last update at 2024-05-16T19:30:00Z
Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
---|---|---|---|---|---|
Type | yearly | yearly | yearly | yearly | yearly |
Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
Income before tax | 2942.00M | 2568.00M | 1359.00M | 833.00M | 886.00M |
Minority interest | 4.00M | -21.00000M | - | - | - |
Net income | 2424.00M | 2067.00M | 1082.00M | 754.00M | 707.00M |
Selling general administrative | - | - | - | - | - |
Selling and marketing expenses | - | - | - | - | - |
Gross profit | 21151.00M | 17482.00M | 12462.00M | 11349.00M | 10599.00M |
Reconciled depreciation | 563.00M | 461.00M | 314.00M | 235.00M | 158.00M |
Ebit | 3123.00M | 2700.00M | 1474.00M | 943.00M | 989.00M |
Ebitda | 3686.00M | 3161.00M | 1788.00M | 1178.00M | 1147.00M |
Depreciation and amortization | 563.00M | 461.00M | 314.00M | 235.00M | 158.00M |
Non operating income net other | - | - | - | - | - |
Operating income | 3123.00M | 2700.00M | 1474.00M | 943.00M | 886.00M |
Other operating expenses | 18209.00M | 14914.00M | 11103.00M | 10516.00M | 9713.00M |
Interest expense | 177.00M | 153.00M | 115.00M | 110.00M | 103.00M |
Tax provision | 522.00M | 480.00M | 263.00M | 79.00M | 170.00M |
Interest income | 30.00M | 723.00M | 10.00M | 599.00M | 564.00M |
Net interest income | -177.00000M | -153.00000M | -115.00000M | -110.00000M | -103.00000M |
Extraordinary items | - | 0.00000M | -14.00000M | 0.00000M | -9.00000M |
Non recurring | - | - | - | - | - |
Other items | - | - | - | - | - |
Income tax expense | 522.00M | 480.00M | 277.00M | 79.00M | 179.00M |
Total revenue | 21151.00M | 17482.00M | 12462.00M | 11349.00M | 10599.00M |
Total operating expenses | 18209.00M | 15009.00M | 11103.00M | 219.00M | 155.00M |
Cost of revenue | - | - | - | 9988.00M | 9430.00M |
Total other income expense net | -181.00000M | -132.00000M | -115.00000M | -110.00000M | 257.00M |
Discontinued operations | - | - | - | - | - |
Net income from continuing ops | 2420.00M | 2088.00M | 1082.00M | 754.00M | 707.00M |
Net income applicable to common shares | 2364.00M | 2014.00M | 1030.00M | 709.00M | 667.00M |
Preferred stock and other adjustments | - | - | - | - | - |
Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
---|---|---|---|---|---|
Type | yearly | yearly | yearly | yearly | yearly |
Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
Total assets | 64959.00M | 66349.00M | 35119.00M | 32292.00M | 28461.00M |
Intangible assets | 4700.00M | 4636.00M | 2514.00M | 2523.00M | 2200.00M |
Earning assets | - | - | - | - | - |
Other current assets | 6352.00M | 7105.00M | 2439.00M | 1760.00M | 1143.00M |
Total liab | 49274.00M | 49566.00M | 25536.00M | 23545.00M | 20651.00M |
Total stockholder equity | 15400.00M | 15674.00M | 9583.00M | 8747.00M | 7810.00M |
Deferred long term liab | - | - | - | - | - |
Other current liab | -2385.00000M | -2541.00000M | -329.00000M | -411.00000M | 5617.00M |
Common stock | 7542.00M | 7576.00M | 3265.00M | 3265.00M | 2816.00M |
Capital stock | 8864.00M | 8751.00M | 4440.00M | 4293.00M | 3844.00M |
Retained earnings | 7352.00M | 6183.00M | 4547.00M | 3959.00M | 3776.00M |
Other liab | 17408.00M | 17887.00M | 10050.00M | 9609.00M | 1349.00M |
Good will | 3350.00M | 3066.00M | 2813.00M | 2626.00M | 2399.00M |
Other assets | -11154.00000M | -10231.00000M | 1990.00M | 1995.00M | 28461.00M |
Cash | 1010.00M | 2276.00M | 917.00M | 936.00M | 442.00M |
Cash and equivalents | 410.00M | 1375.00M | 73.00M | 667.00M | 237.00M |
Total current liabilities | 2385.00M | 2541.00M | 329.00M | 411.00M | 17328.00M |
Current deferred revenue | - | - | - | - | - |
Net debt | 4134.00M | 3591.00M | 2571.00M | 1887.00M | 1767.00M |
Short term debt | 137.00M | 439.00M | 0.00000M | 165.00M | 250.00M |
Short long term debt | 137.00M | 439.00M | 0.00000M | 165.00M | 250.00M |
Short long term debt total | 5144.00M | 5867.00M | 3488.00M | 2823.00M | 2209.00M |
Other stockholder equity | 269.00M | 211.00M | 374.00M | 340.00M | 149.00M |
Property plant equipment | 778.00M | 774.00M | 520.00M | 538.00M | 170.00M |
Total current assets | 33110.00M | 34004.00M | 6812.00M | 6435.00M | 5363.00M |
Long term investments | 34175.00M | 34100.00M | 20470.00M | 18175.00M | 16900.00M |
Net tangible assets | 6028.00M | 6797.00M | 3081.00M | 2570.00M | 2183.00M |
Short term investments | 22836.00M | 22721.00M | 1552.00M | 1465.00M | 1165.00M |
Net receivables | 9264.00M | 9007.00M | 4343.00M | 4034.00M | 3859.00M |
Long term debt | 4387.00M | 4790.00M | 2531.00M | 2362.00M | 1959.00M |
Inventory | - | - | - | - | - |
Accounts payable | 2248.00M | 2102.00M | 329.00M | 246.00M | 99.00M |
Total permanent equity | - | - | - | - | - |
Noncontrolling interest in consolidated entity | - | - | - | - | - |
Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
Accumulated other comprehensive income | -1085.00000M | 529.00M | 409.00M | 325.00M | 41.00M |
Additional paid in capital | - | - | - | - | - |
Common stock total equity | - | - | 3265.00M | 3265.00M | 2816.00M |
Preferred stock total equity | - | - | - | - | - |
Retained earnings total equity | - | - | - | - | - |
Treasury stock | - | - | - | - | - |
Accumulated amortization | - | - | - | - | - |
Non currrent assets other | -43003.00000M | -42576.00000M | -26317.00000M | -23862.00000M | - |
Deferred long term asset charges | - | - | - | - | - |
Non current assets total | 43003.00M | 42576.00M | 26317.00M | 23862.00M | - |
Capital lease obligations | 622.00M | 638.00M | 447.00M | 461.00M | - |
Long term debt total | 4916.00M | 4888.00M | 2922.00M | 2823.00M | 1959.00M |
Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
---|---|---|---|---|---|
Type | yearly | yearly | yearly | yearly | yearly |
Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
Investments | -2746.00000M | -1778.00000M | -2442.00000M | -842.00000M | -285.00000M |
Change to liabilities | 277.00M | 434.00M | 375.00M | 274.00M | -33.00000M |
Total cashflows from investing activities | -2746.00000M | -5972.00000M | -2442.00000M | -842.00000M | -285.00000M |
Net borrowings | -855.00000M | 728.00M | 603.00M | 130.00M | -60.00000M |
Total cash from financing activities | -2207.00000M | 4206.00M | 79.00M | 57.00M | -283.00000M |
Change to operating activities | 187.00M | 809.00M | 1015.00M | 178.00M | 121.00M |
Net income | 2942.00M | 2568.00M | 1359.00M | 833.00M | 886.00M |
Change in cash | -1266.00000M | 1359.00M | -19.00000M | 494.00M | 279.00M |
Begin period cash flow | 2276.00M | 917.00M | 936.00M | 442.00M | 163.00M |
End period cash flow | 1010.00M | 2276.00M | 917.00M | 936.00M | 442.00M |
Total cash from operating activities | 3665.00M | 3129.00M | 2352.00M | 1290.00M | 833.00M |
Issuance of capital stock | 146.00M | 4263.00M | 146.00M | 444.00M | 243.00M |
Depreciation | 563.00M | 461.00M | 314.00M | 235.00M | 158.00M |
Other cashflows from investing activities | -2335.00000M | -5645.00000M | -2279.00000M | -725.00000M | -168.00000M |
Dividends paid | 762.00M | 679.00M | 527.00M | 474.00M | 430.00M |
Change to inventory | - | - | - | - | - |
Change to account receivables | -259.00000M | -90.00000M | -246.00000M | -136.00000M | 19.00M |
Sale purchase of stock | -262.00000M | -64.00000M | -49.00000M | -43.00000M | -36.00000M |
Other cashflows from financing activities | 930.00M | 6475.00M | 926.00M | 572.00M | 243.00M |
Change to netincome | 473.00M | -552.00000M | -188.00000M | -15.00000M | -139.00000M |
Capital expenditures | 411.00M | 327.00M | 163.00M | 117.00M | 117.00M |
Change receivables | - | - | - | - | - |
Cash flows other operating | - | - | - | - | - |
Exchange rate changes | - | - | - | - | - |
Cash and cash equivalents changes | - | - | - | - | - |
Change in working capital | 156.00M | 1366.00M | 1117.00M | 296.00M | 92.00M |
Stock based compensation | 152.00M | 60.00M | 58.00M | 65.00M | 55.00M |
Other non cash items | -148.00000M | -1326.00000M | -496.00000M | -139.00000M | -358.00000M |
Free cash flow | 3254.00M | 2802.00M | 2189.00M | 1173.00M | 716.00M |
Sector: Financial Services Industry: Insurance - Property & Casualty
Company | 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 |
2.65 1.17% | 228.75 | 35.11 | 14.56 | 1.85 | 2.68 | 1.92 |
FFH Fairfax Financial Holdings Ltd |
4.44 0.29% | 1557.50 | 7.82 | 6.98 | 1.07 | 1.18 | 1.07 |
DFY Definity Financial Corp |
0.63 1.43% | 44.58 | 9.85 | 14.06 | 1.10 | 1.67 | 1.04 |
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 personal auto insurance; insurance for motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles; personal property insurance, such as protection for homes and contents from risks, including fire, theft, vandalism, water damage, and other damages, as well as personal liability coverage; and property coverage for tenants, condominium owners, non-owner-occupied residences, and seasonal residences, as well as travel insurance. The company also provides commercial line insurance coverages for a diversified group of businesses; commercial property insurance for the protection of physical assets of the business; and liability coverages comprising commercial general, product, and professional liability, as well as cyber coverage. In addition, it offers commercial vehicle insurance coverages for the protection of commercial auto, fleets, garage operations, light trucks, public vehicles, and the specific needs of the sharing economy. Further, the company provides various personal levels of coverage to customers for their home, motor, pet, and other insurance products; general insurance, specialty lines, and risk management solutions; specialty insurance products for various product and customer groups, including accident and health, technology, ocean and inland marine, builder's risk, and entertainment, as well as financial services and institutions; and various products to specialty property, surety, tuition reimbursement, management liability, and cyber and environmental institutions. 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
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 |
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