Intact Financial Corp

Intact Financial Corp

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

25.14CAD-0.18 (-0.71%)

Price History

Full chart

Market Stats

Previous Close25.32
Open25.25
Day Range25.14 – 25.25
52-Week Range23.41 – 26.07
Volume7.80K
Market Cap21.95B
P/E (TTM)2.26
Forward P/E0.00
EPS11.48
Dividend Yield5.79%
Beta0.31
50-Day Avg25.92
200-Day Avg25.62

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 Expense-11.71M7.96M5.31M--5.60M28.00M41.00M60.00M64.00M64.00M64.00M72.00M82.00M103.00M110.00M115.00M153.00M177.00M222.00M222.00M225.00M
Interest Expense % of Total Revenue-0.31%0.18%0.12%--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 Assets6.91B9.66B9.93B10.38B10.39B9.77B11.35B12.15B19.75B19.81B19.77B20.58B21.32B22.87B27.84B28.46B32.29B35.12B66.35B53.74B55.98B59.53B62.87B
Total Liabilities5.92B7.60B7.03B6.96B7.22B7.14B8.37B9.08B15.41B14.92B14.82B15.13B15.59B16.78B20.38B20.65B23.55B25.54B38.20B37.61B39.50B41.38B42.03B
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---397.70M496.10M1.29B1.14B1.14B1.14B1.14B1.39B2.24B2.22B2.82B3.49B6.31B5.28B5.74B5.47B5.25B
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%

Key Statistics & Ratios

Market Cap21.95B
Enterprise Value7.71B
Trailing P/E2.26
Forward P/E0.00
Price / Sales0.84
Price / Book0.00
EPS11.48
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 Outstanding139.19M
Shares Float175.54M
Beta0.31
Dividend Yield5.79%
Dividend Rate1.50
Payout Ratio0.00%

Dividends

20263×
0.38Sep 15, 20260.38Jun 16, 20260.38Mar 17, 2026
20254×
0.38Dec 17, 20250.38Sep 15, 20250.38Jun 16, 20250.38Mar 14, 2025
20244×
0.38Dec 16, 20240.38Sep 13, 20240.38Jun 14, 20240.38Mar 14, 2024
20234×
0.38Dec 14, 20230.38Sep 14, 20230.31Jun 14, 20230.31Mar 14, 2023
20224×
0.31Dec 14, 20220.31Sep 14, 20220.31Jun 14, 20220.31Mar 14, 2022
20214×
0.31Dec 14, 20210.31Sep 14, 20210.31Jun 14, 20210.31Mar 12, 2021
20201×
0.31Dec 14, 2020