Intact Financial Corporation

TSX-IFC

Overview Financials Investor Relations Estimates Ownership Industry Dividends Modeling Filings

Income Statement	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	28,714
Total Interest And Dividend Income						576	577	706	1,525	358	428
Gain (Loss) on Sale of Investments, Total						34	-14	630	-285	249	321
Other Revenues, Total						423	681	310	103	96	88
Total Revenues						11,308	12,485	17,884	30,170	28,652	29,551
Total Revenues % Chg.						6.7%	10.4%	43.2%	68.7%	-5%	2.5%
Policy Benefits						6,989	6,883	8,967	20,044	19,983	20,187
Policy Acquisition / Underwriting Costs, Total					—	3,172	3,696	5,611	4,833	5,168	5,370
Other Operating Expenses						219	346	413	2,037	1,116	873
Total Operating Expenses						10,380	10,925	14,991	26,914	26,267	26,430
Operating Income						928	1,560	2,893	3,256	2,385	3,121
Interest Expense, Total						-110	-115	-153	-177	-229	-238
Currency Exchange Gains (Loss)	—					—	10	9	-137	86	52
Other Non Operating Income (Expenses)	—	—	—	—		—	—	—	13	72	159
EBT, Excl. Unusual Items						818	1,455	2,749	2,955	2,314	3,094
Restructuring Charges	—	—	—	—	—	—	—	—	—	—	9
Total Merger & Related Restructuring Charges	—	—				-57	-96	-464	-353	-517	-517
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	2,731
Income Tax Expense						79	277	480	557	473	606
Earnings From Continuing Operations						754	1,082	2,088	2,450	1,331	2,125
Minority Interest	—	—	—	—	—	—	—	-21	4	-15	-15
Net Income						754	1,082	2,067	2,454	1,316	2,110
Preferred Dividend and Other Adjustments						45	52	53	60	84	90
Net Income to Common Incl Extra Items						709	1,030	2,014	2,394	1,232	2,020
Net Income to Common Excl. Extra Items						709	1,030	2,014	2,394	1,232	2,020
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	177.7
Weighted Avg. Shares Outstanding Dil						139.5	143	162.4	175.6	176.2	177.8
EPS						5.1	7.2	12.4	13.6	7	11.4
EPS Diluted						5.1	7.2	12.4	13.6	7	11.4
EBITDA						1,111	1,809	3,222	3,665	2,795	3,593
Effective Tax Rate						9.5%	20.4%	18.7%	18.5%	26.2%	22.2%