Intact Financial Corporation (IFC)

Basic

  • Market Cap

    CA$40.24B

  • EV

    CA$46.43B

  • Shares Out

    178.32M

  • Revenue

    CA$28.65B

  • Employees

    30,000

Margins

  • Gross

    22.88%

  • EBITDA

    9.75%

  • Operating

    8.32%

  • Pre-Tax

    6.3%

  • Net

    4.59%

  • FCF

    4.84%

Returns (5Yr Avg)

  • ROA

    2.89%

  • ROTA

    18.91%

  • ROE

    11.92%

  • ROCE

    8.82%

  • ROIC

    4.05%

Valuation (TTM)

  • P/E

  • P/B

  • EV/Sales

  • EV/EBITDA

  • P/FCF

  • EV/Gross Profit

Valuation (NTM)

  • Price Target

    CA$237.88

  • P/E

  • PEG

  • EV/Sales

  • EV/EBITDA

  • P/FCF

Financial Health

  • Cash

    CA$1,171M

  • Net Debt

    CA$4,579M

  • Debt/Equity

    0.35

  • EBIT/Interest

    10.41

Growth (CAGR)

  • Rev 3Yr

    31.9%

  • Rev 5Yr

    22%

  • Rev 10Yr

    14.38%

  • Dil EPS 3Yr

    -0.99%

  • Dil EPS 5Yr

    7.85%

  • Dil EPS 10Yr

    8.49%

  • Rev Fwd 2Yr

    5.91%

  • EBITDA Fwd 2Yr

    -4.74%

  • EPS Fwd 2Yr

    15.45%

  • EPS LT Growth Est

    12.93%

Dividends

  • Yield

  • Payout

    62.93%

  • DPS

    CA$4.4

  • DPS Growth 3Yr

    9.84%

  • DPS Growth 5Yr

    9.46%

  • DPS Growth 10Yr

    9.6%

  • DPS Growth Fwd 2Yr

    8.98%

Select a metric from the list below to chart it

Dec '14

Dec '15

Dec '16

Dec '17

Dec '18

Dec '19

Dec '20

Dec '21

Dec '22

Dec '23

Premiums and Annuity Revenues

10,275

11,241

16,238

25,914

25,507

Total Interest And Dividend Income

576

577

706

1,525

358

Gain (Loss) on Sale of Investments, Total

34

-14

630

-285

249

Other Revenues, Total

423

681

310

3,016

2,538

Total Revenues

11,308

12,485

17,884

30,170

28,652

Total Revenues % Chg.

6.7%

10.4%

43.2%

68.7%

-5%

Policy Benefits

6,989

6,883

8,967

16,569

16,927

Policy Acquisition / Underwriting Costs, Total

3,172

3,696

5,611

4,833

5,168

Other Operating Expenses

219

346

413

2,037

1,116

Reinsurance Income Or Expense

-3,475

-3,056

Total Operating Expenses

10,380

10,925

14,991

26,914

26,267

Operating Income

928

1,560

2,893

3,256

2,385

Interest Expense, Total

-110

-115

-153

-177

-229

Currency Exchange Gains (Loss)

10

9

-137

86

Other Non Operating Income (Expenses)

13

72

EBT, Excl. Unusual Items

818

1,455

2,749

2,955

2,314

Total Merger & Related Restructuring Charges

-57

-96

-464

-353

-517

Gain (Loss) on Sale of Assets

72

405

Asset Writedown

79

Other Unusual Items

204

7

EBT, Incl. Unusual Items

833

1,359

2,568

3,007

1,804

Income Tax Expense

79

277

480

557

473

Earnings From Continuing Operations

754

1,082

2,088

2,450

1,331

Minority Interest

-21

4

-15

Net Income

754

1,082

2,067

2,454

1,316

Preferred Dividend and Other Adjustments

45

52

53

60

84

Net Income to Common Incl Extra Items

709

1,030

2,014

2,394

1,232

Net Income to Common Excl. Extra Items

709

1,030

2,014

2,394

1,232

Total Shares Outstanding

143

143

176.1

175.3

178.3

Weighted Avg. Shares Outstanding

139.5

143

162.4

175.6

176.2

Weighted Avg. Shares Outstanding Dil

139.5

143

162.4

175.6

176.2

EPS

5.1

7.2

12.4

13.6

7

EPS Diluted

5.1

7.2

12.4

13.6

7

EBITDA

1,111

1,809

3,222

3,665

2,795