Intact Financial Corporation

Intact Financial Corporation

IFC · TO · Financial Services / Insurance - Property & Casualty

277.89CAD-2.16 (-0.77%)

Price History

Full chart

Market Stats

Previous Close280.05
Open281.85
Day Range276.24 – 281.85
52-Week Range239.95 – 303.79
Volume352.10K
Market Cap43.57B
P/E (TTM)13.73
Forward P/E13.37
EPS17.99
Dividend Yield2.38%
Beta0.28
50-Day Avg266.81
200-Day Avg267.79

About

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.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Charles Joseph Gaston Brindamour B.Sc.
  • Employees32.00K
  • Headquarters700 University Avenue, Toronto, ON, Canada, M5G 0A1, Canada
  • Websitehttps://www.intactfc.com

Leadership

  • Mr. Charles Joseph Gaston Brindamour B.Sc.CEO & Director · b. 1970
  • Mr. Kenneth AndersonExecutive VP & CFO
  • Dr. Louis Gagnon MBAChief Executive Officer of Canada
  • Mr. Emmanuel Jacques Clarke de DromantinChief Executive Officer of Global Specialty Lines · b. 1970
  • Mr. Kenneth Michael NorgroveChief Executive Officer of Intact Insurance, UK & International · b. 1969
  • Mr. Patrick BarbeauChief Operating Officer
  • Geoff KwanDeputy SVP of Finance & Chief Investor Relations Officer
  • Ms. Stephanie LeeExecutive VP & Chief Legal Officer
  • Ms. Imen ZitouniSenior VP & Chief Marketing Officer
  • Ms. Anne FortinVice Chair

Financials

Income Statement

Currency: CAD2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue3.02B3.78B4.45B4.41B4.44B4.13B4.24B4.77B5.49B7.07B7.45B7.94B8.09B8.51B9.36B10.58B11.35B12.46B17.58B22.54B23.29B24.98B26.07B
Growth (%)-+25.39%+17.59%-0.89%+0.76%-6.94%+2.65%+12.37%+15.13%+28.92%+5.30%+6.59%+1.91%+5.18%+10.00%+12.97%+7.31%+9.81%+41.04%+28.23%+3.33%+7.27%+4.36%
Cost of Revenue----2.58B2.81B2.88B2.77B3.13B4.07B4.60B4.60B4.66B5.11B5.58B6.34B6.99B6.88B8.97B18.88B20.30B20.95B20.38B
Gross Profit3.02B3.78B4.45B4.41B1.86B1.33B1.36B2.00B2.35B3.00B2.85B3.34B3.43B3.40B3.79B4.24B4.36B5.58B8.61B3.66B2.99B4.03B5.69B
Gross Margin100.00%100.00%100.00%100.00%41.79%32.08%32.16%41.96%42.90%42.47%38.19%42.07%42.42%39.98%40.45%40.05%38.42%44.77%48.98%16.26%12.85%16.13%21.84%
Operating Expense2.79B2.93B3.36B3.45B1.18B1.20B1.22B1.36B1.76B2.29B2.38B2.38B2.56B2.72B2.85B3.35B3.53B4.22B6.04B657.00M1.19B1.15B1.39B
Operating Income226.97M855.77M1.09B952.01M671.60M123.60M139.80M637.00M594.00M712.00M465.00M957.00M875.00M686.00M942.00M886.00M833.00M1.36B2.57B3.01B1.80B2.88B4.31B
Operating Margin7.53%22.63%24.54%21.61%15.13%2.99%3.30%13.37%10.83%10.07%6.24%12.05%10.81%8.06%10.06%8.38%7.34%10.91%14.61%13.34%7.75%11.52%16.52%
EBITDA241.30M897.29M1.14B965.89M700.50M123.60M187.20M712.00M688.00M848.00M619.00M1.12B1.05B868.00M1.14B1.15B1.18B1.79B3.18B3.75B2.62B3.83B5.33B
EBITDA Margin8.00%23.73%25.58%21.92%15.78%2.99%4.41%14.94%12.54%11.99%8.31%14.07%12.96%10.20%12.17%10.85%10.38%14.35%18.10%16.62%11.26%15.31%20.44%
Net Income150.49M624.15M781.78M658.05M508.30M128.20M126.70M498.00M465.00M571.00M431.00M782.00M706.00M541.00M792.00M707.00M754.00M1.08B2.07B2.45B1.32B2.30B3.37B
Net Income Margin4.99%16.51%17.58%14.93%11.45%3.10%2.99%10.45%8.47%8.07%5.79%9.85%8.72%6.36%8.46%6.68%6.64%8.68%11.76%10.89%5.65%9.19%12.91%
Interest Expense011.71M7.96M5.31M005.60M28.00M41.00M60.00M64.00M64.00M64.00M72.00M82.00M103.00M110.00M115.00M153.00M177.00M222.00M222.00M225.00M
Interest Expense % of Total Revenue0.00%0.31%0.18%0.12%0.00%0.00%0.13%0.59%0.75%0.85%0.86%0.81%0.79%0.85%0.88%0.97%0.97%0.92%0.87%0.79%0.95%0.89%0.86%

Balance Sheet

Currency: CAD2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets6.91B9.66B9.93B10.38B10.39B9.77B11.35B12.15B19.75B19.81B19.77B20.58B21.24B22.99B27.93B28.46B32.29B35.12B66.35B53.74B55.98B59.53B62.87B
Total Liabilities5.92B7.60B7.03B6.96B7.22B7.14B8.37B9.08B15.41B14.92B14.82B15.13B15.51B16.90B20.46B20.65B23.55B25.54B38.20B37.61B39.50B41.38B42.03B
Total Equity989.07M2.06B2.89B3.42B3.17B2.63B2.98B3.07B4.34B4.89B4.95B5.46B5.73B6.09B7.46B7.81B8.75B9.58B15.67B15.84B16.19B18.15B20.84B
Cash104.66M82.47M341.14M125.95M8.10M510.40M60.10M137.80M206.00M172.00M99.00M89.00M141.00M168.00M163.00M442.00M936.00M917.00M2.28B1.01B1.17B894.00M1.08B
Total Debt483.08M256.23M127.00M---397.70M496.10M1.29B1.14B1.14B1.14B1.14B1.39B2.30B2.22B2.99B3.49B6.31B5.28B5.74B5.47B5.25B
Net Debt378.42M173.76M-214.14M-125.95M-8.10M-510.40M337.60M358.30M1.09B971.00M1.04B1.05B1.00B1.23B2.08B1.78B1.89B2.57B4.03B4.27B4.57B4.58B4.17B

Cash Flow

Currency: CAD2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow572.00M1.39B637.45M430.94M620.30M619.70M538.00M360.00M529.00M723.00M185.00M1.41B889.00M925.00M781.00M833.00M1.29B2.35B3.13B3.67B1.85B3.39B4.39B
Investing Cash Flow-516.08M-1.47B-291.86M-385.39M-100.10M209.60M-1.23B-25.00M-2.35B-576.00M139.00M-1.12B-520.00M-759.00M-1.87B-285.00M-842.00M-2.44B-5.97B-2.75B-2.00B-1.61B-2.58B
Financing Cash Flow-15.31M203.00M-86.93M-260.73M-638.10M-327.00M244.30M-397.80M1.89B-181.00M-397.00M-299.00M-317.00M-139.00M1.08B-283.00M57.00M79.00M4.19B-2.21B321.00M-2.01B-1.60B
Capital Expenditure8.02M14.21M57.14M40.45M47.40M49.60M50.60M42.00M56.00M73.00M98.00M97.00M89.00M120.00M98.00M117.00M117.00M163.00M327.00M411.00M458.00M429.00M457.00M
Free Cash Flow563.98M1.38B580.30M390.49M572.90M570.10M487.40M462.30M473.00M650.00M87.00M1.28B800.00M805.00M683.00M716.00M1.17B2.19B2.80B3.25B1.39B2.96B3.93B
Dividends Paid--86.93M133.73M136.90M151.00M153.40M156.00M178.00M231.00M254.00M276.00M300.00M324.00M378.00M430.00M474.00M527.00M679.00M762.00M862.00M953.00M1.04B
FCF to OCF98.60%98.98%91.04%90.61%92.36%92.00%90.59%128.42%89.41%89.90%47.03%90.72%89.99%87.03%87.45%85.95%90.93%93.07%89.55%88.79%75.19%87.33%89.59%
Dividend Paid to FCF--14.98%34.25%23.90%26.49%31.47%33.74%37.63%35.54%291.95%21.55%37.50%40.25%55.34%60.06%40.41%24.07%24.23%23.42%62.10%32.22%26.38%

Earnings

Report DateFeb 17, 2005May 12, 2005Aug 11, 2005Nov 10, 2005Feb 16, 2006May 11, 2006Aug 10, 2006Nov 9, 2006Feb 15, 2007May 15, 2007Aug 8, 2007Nov 7, 2007Feb 20, 2008May 14, 2008Aug 13, 2008Nov 12, 2008Jan 26, 2009May 13, 2009Aug 12, 2009Nov 11, 2009Feb 17, 2010May 5, 2010Aug 5, 2010Nov 3, 2010Feb 9, 2011May 4, 2011Aug 4, 2011Nov 2, 2011Feb 8, 2012May 1, 2012Aug 1, 2012Nov 7, 2012Feb 6, 2013May 8, 2013Jul 31, 2013Nov 6, 2013Feb 5, 2014May 7, 2014Jul 30, 2014Nov 5, 2014Feb 4, 2015May 6, 2015Jul 29, 2015Nov 4, 2015Feb 10, 2016May 4, 2016Jul 27, 2016Nov 2, 2016Feb 8, 2017May 2, 2017Aug 1, 2017Nov 7, 2017Feb 6, 2018May 8, 2018Jul 31, 2018Nov 6, 2018Feb 5, 2019May 7, 2019Jul 30, 2019Nov 5, 2019Feb 4, 2020May 5, 2020Jul 28, 2020Nov 3, 2020Feb 9, 2021May 11, 2021Jul 27, 2021Nov 9, 2021Feb 8, 2022May 10, 2022Jul 28, 2022Nov 8, 2022Feb 7, 2023May 10, 2023Aug 2, 2023Nov 7, 2023Feb 13, 2024May 7, 2024Jul 30, 2024Nov 5, 2024Feb 11, 2025May 6, 2025Jul 29, 2025Nov 4, 2025Feb 10, 2026May 5, 2026Jul 28, 2026Nov 3, 2026
EPS Estimate0.940.820.760.930.991.041.211.030.990.891.191.010.780.760.920.870.590.590.820.090.600.771.080.630.890.830.721.031.121.251.410.561.351.320.740.321.211.171.581.101.461.391.661.631.651.480.641.041.751.031.321.591.730.871.221.621.740.601.761.781.701.531.942.142.362.152.401.742.522.432.732.743.042.952.381.473.383.453.48-0.094.243.524.014.214.694.083.474.27
EPS Actual1.291.191.671.521.470.831.360.990.820.801.270.770.830.560.890.880.630.580.770.180.820.941.030.780.700.911.361.111.141.341.350.931.421.270.890.391.050.941.531.551.841.371.561.471.971.460.831.011.580.901.441.611.630.811.381.621.930.731.441.912.081.612.352.783.182.503.262.873.782.703.142.703.343.062.302.104.223.634.861.014.184.215.234.465.894.614.33-
Surprise37.23%45.12%119.74%63.44%48.48%-20.19%12.40%-3.88%-17.17%-10.11%6.72%-23.76%6.41%-26.32%-3.26%1.15%6.78%-1.69%-6.10%100.00%36.67%22.08%-4.63%23.81%-21.35%9.64%88.89%7.77%1.79%7.20%-4.26%66.07%5.19%-3.79%20.27%21.88%-13.22%-19.66%-3.16%40.91%26.03%-1.44%-6.02%-9.82%19.39%-1.35%29.69%-2.88%-9.71%-12.62%9.09%1.26%-5.78%-6.90%13.11%0.00%10.92%21.67%-18.18%7.30%22.35%5.23%21.13%29.91%34.75%16.28%35.83%64.94%50.00%11.11%15.02%-1.46%9.87%3.73%-3.36%42.86%24.85%5.22%39.66%1222.22%-1.42%19.60%30.42%5.94%25.59%12.99%24.78%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketAfter-hoursPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap43.57B
Enterprise Value49.46B
Trailing P/E13.73
Forward P/E13.37
PEG Ratio0.49
Price / Sales1.64
Price / Book2.24
EPS17.99
Book Value114.81
Revenue (TTM)26.59B
Gross Profit (TTM)4.76B
EBITDA5.45B
Profit Margin12.39%
Operating Margin14.51%
Return on Equity16.09%
Return on Assets4.70%
Shares Outstanding176.35M
Shares Float175.54M
Beta0.28
Dividend Yield2.38%
Dividend Rate5.88
Payout Ratio29.76%

Dividends

20263×
1.47Sep 15, 20261.47Jun 16, 20261.47Mar 17, 2026
20254×
1.33Dec 17, 20251.33Sep 15, 20251.33Jun 16, 20251.33Mar 14, 2025
20244×
1.21Dec 16, 20241.21Sep 13, 20241.21Jun 14, 20241.21Mar 14, 2024
20234×
1.10Dec 14, 20231.10Sep 14, 20231.10Jun 14, 20231.10Mar 14, 2023
20224×
1.00Dec 14, 20221.00Sep 14, 20221.00Jun 14, 20221.00Mar 14, 2022
20214×
0.91Dec 14, 20210.83Sep 14, 20210.83Jun 14, 20210.83Mar 12, 2021
20201×
0.83Dec 14, 2020

Stock Splits

  • Feb 22, 20053:2
  • Jul 15, 20023:2
  • May 28, 19982:1
  • Apr 20, 19983:2
  • Apr 18, 19973:2
  • Dec 31, 19962:1
  • Sep 3, 19932:1
  • Sep 3, 19922:1
  • Dec 31, 19913:2