Intact Financial Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 20, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	28,833	31,527	31,339	24,904	23,616	20,116
Market Cap Growth	-11.03%	0.60%	25.84%	5.45%	17.40%	45.46%
Enterprise Value	32,332	34,813	35,361	28,776	27,568	23,803
PE Ratio	14.17	15.50	21.15	29.51	14.27	14.38
PS Ratio	1.78	1.95	1.89	1.57	1.44	1.62
PB Ratio	2.23	2.44	2.57	2.21	2.12	1.73
P/FCF Ratio	11.81	12.91	15.78	26.19	10.50	10.27
P/OCF Ratio	10.58	11.57	13.78	19.69	9.32	9.20
EV/Sales Ratio	2.00	2.15	2.13	1.81	1.68	1.92
EV/EBITDA Ratio	9.28	9.98	13.90	15.03	10.88	10.63
EV/EBIT Ratio	10.82	11.63	17.19	17.61	12.25	11.84
EV/FCF Ratio	13.24	14.26	17.81	30.26	12.25	12.15
Debt / Equity Ratio	0.25	0.25	0.30	0.35	0.32	0.35
Debt / EBITDA Ratio	0.93	0.93	1.44	2.06	1.41	1.83
Debt / FCF Ratio	1.34	1.34	1.85	4.14	1.59	2.09
Net Debt / Equity Ratio	0.20	0.20	0.25	0.29	0.28	0.22
Net Debt / EBITDA Ratio	0.74	0.74	1.21	1.72	1.23	1.12
Net Debt / FCF Ratio	1.06	1.06	1.55	3.47	1.38	1.28
Quick Ratio	0.17	0.17	0.12	0.13	0.15	0.27
Current Ratio	0.36	0.36	0.33	0.38	0.43	0.44
Asset Turnover	0.43	0.43	0.43	0.42	0.40	0.35
Return on Equity (ROE)	17.26%	17.26%	13.34%	8.16%	14.89%	15.84%
Return on Assets (ROA)	4.92%	4.92%	3.32%	2.72%	3.39%	3.56%
Return on Invested Capital (ROIC)	14.63%	15.15%	10.73%	8.09%	12.07%	13.16%
Earnings Yield	7.06%	6.63%	4.92%	3.62%	7.18%	7.14%
FCF Yield	8.47%	7.75%	6.34%	3.82%	9.53%	9.74%
Dividend Yield	2.14%	1.89%	1.89%	2.29%	2.16%	2.27%
Payout Ratio	30.82%	30.82%	41.49%	65.50%	31.05%	32.85%
Buyback Yield / Dilution	0.06%	0.06%	-1.36%	-0.34%	-8.13%	-13.57%
Total Shareholder Return	2.19%	1.94%	0.53%	1.94%	-5.97%	-11.30%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.