Intact Financial Corporation Website

Intact Financial Corporation

TSX-IFC

Basic

  • Market Cap

    CA$42.96B

  • EV

    CA$49.14B

  • Shares Out

    178.36M

  • Revenue

    CA$29.04B

  • Employees

    30,000

Margins

  • Gross

    11.7%

  • EBITDA

    10.14%

  • Operating

    8.61%

  • Pre-Tax

    7.17%

  • Net

    5.55%

  • FCF

    7.49%

Returns (5Yr Avg)

  • ROA

    3.22%

  • ROTA

    19.65%

  • ROE

    12.12%

  • ROCE

    13.23%

  • ROIC

    4.87%

Valuation (TTM)

  • P/E

    —

  • P/B

    —

  • EV/Sales

    —

  • EV/EBITDA

    —

  • P/FCF

    —

  • EV/Gross Profit

    —

Valuation (NTM)

  • Price Target

    CA$251.86

  • P/E

    —

  • PEG

    —

  • EV/Sales

    —

  • EV/EBITDA

    —

  • P/FCF

    —

Financial Health

  • Cash

    CA$1,024M

  • Net Debt

    CA$4,566M

  • Debt/Equity

    0.33

  • EBIT/Interest

    10.59

Growth (CAGR)

  • Rev 3Yr

    31.73%

  • Rev 5Yr

    21.84%

  • Rev 10Yr

    14.32%

  • Dil EPS 3Yr

    -4.92%

  • Dil EPS 5Yr

    10.78%

  • Dil EPS 10Yr

    11.14%

  • Rev Fwd 2Yr

    5.91%

  • EBITDA Fwd 2Yr

    -4.74%

  • EPS Fwd 2Yr

    15.59%

  • EPS LT Growth Est

    13.92%

Dividends

  • Yield

    —

  • Payout

    52.26%

  • DPS

    CA$4.51

  • DPS Growth 3Yr

    10.75%

  • DPS Growth 5Yr

    9.54%

  • DPS Growth 10Yr

    9.62%

  • DPS Growth Fwd 2Yr

    9.4%

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

LTM

Dec '24 (E)

Dec '25 (E)

Dec '26 (E)

Metric
Dec '14
Dec '15
Dec '16
Dec '17
Dec '18
Dec '19
Dec '20
Dec '21
Dec '22
Dec '23
LTM

Premiums and Annuity Revenues

10,275

11,241

16,238

28,827

27,949

28,280

Total Interest And Dividend Income

576

577

706

1,525

358

611

Gain (Loss) on Sale of Investments, Total

34

-14

630

-285

249

60

Other Revenues, Total

423

681

310

103

96

88

Total Revenues

11,308

12,485

17,884

30,170

28,652

29,039

Total Revenues % Chg.

6.7%

10.4%

43.2%

68.7%

-5%

-1.6%

Policy Benefits

6,989

6,883

8,967

20,044

19,983

20,415

Policy Acquisition / Underwriting Costs, Total

—

3,172

3,696

5,611

4,833

5,168

5,227

Other Operating Expenses

219

346

413

2,037

1,116

898

Total Operating Expenses

10,380

10,925

14,991

26,914

26,267

26,540

Operating Income

928

1,560

2,893

3,256

2,385

2,499

Interest Expense, Total

-110

-115

-153

-177

-229

-236

Currency Exchange Gains (Loss)

—

—

10

9

-137

86

82

Other Non Operating Income (Expenses)

—

—

—

—

—

—

—

13

72

87

EBT, Excl. Unusual Items

818

1,455

2,749

2,955

2,314

2,432

Total Merger & Related Restructuring Charges

—

—

-57

-96

-464

-353

-517

-494

Gain (Loss) on Sale of Assets

—

—

—

—

—

72

—

—

405

—

138

Asset Writedown

—

—

—

—

—

—

—

79

—

—

—

Other Unusual Items

—

—

—

—

204

—

7

7

EBT, Incl. Unusual Items

833

1,359

2,568

3,007

1,804

2,083

Income Tax Expense

79

277

480

557

473

456

Earnings From Continuing Operations

754

1,082

2,088

2,450

1,331

1,627

Minority Interest

—

—

—

—

—

—

—

-21

4

-15

-15

Net Income

754

1,082

2,067

2,454

1,316

1,612

Preferred Dividend and Other Adjustments

45

52

53

60

84

85

Net Income to Common Incl Extra Items

709

1,030

2,014

2,394

1,232

1,527

Net Income to Common Excl. Extra Items

709

1,030

2,014

2,394

1,232

1,527

Total Shares Outstanding

143

143

176.1

175.3

178.3

178.4

Weighted Avg. Shares Outstanding

139.5

143

162.4

175.6

176.2

177

Weighted Avg. Shares Outstanding Dil

139.5

143

162.4

175.6

176.2

177

EPS

5.1

7.2

12.4

13.6

7

8.6

EPS Diluted

5.1

7.2

12.4

13.6

7

8.6

EBITDA

1,111

1,809

3,222

3,665

2,795

2,945

Effective Tax Rate

9.5%

20.4%

18.7%

18.5%

26.2%

21.9%