Intact Financial Corporation (FRA:I5U)

Intact Financial Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Nov 26, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	30,648	31,339	24,904	23,616	20,116	13,830
Market Cap Growth	-5.16%	25.84%	5.45%	17.40%	45.46%	0.24%
Enterprise Value	33,903	35,361	28,776	27,568	23,803	15,928
PE Ratio	16.80	21.15	29.51	14.27	14.38	20.93
PS Ratio	1.96	1.89	1.57	1.13	1.62	1.73
PB Ratio	2.51	2.57	2.21	2.12	1.73	2.25
P/FCF Ratio	12.32	15.78	26.19	10.50	10.27	9.85
P/OCF Ratio	11.21	13.78	19.69	9.32	9.20	9.16
EV/Sales Ratio	2.16	2.13	1.81	1.32	1.92	1.99
EV/EBITDA Ratio	11.10	15.00	15.03	10.88	10.63	13.72
EV/EBIT Ratio	12.38	17.19	17.61	12.25	11.84	15.91
EV/FCF Ratio	13.63	17.81	30.26	12.25	12.15	11.34
Debt / Equity Ratio	0.27	0.30	0.35	0.32	0.35	0.36
Debt / EBITDA Ratio	1.10	1.56	2.06	1.41	1.83	1.93
Debt / FCF Ratio	1.34	1.85	4.14	1.59	2.09	1.59
Quick Ratio	0.17	0.12	0.13	0.15	0.27	0.41
Current Ratio	0.38	0.33	0.38	0.43	0.44	0.61
Asset Turnover	0.42	0.43	0.42	0.50	0.35	0.37
Return on Equity (ROE)	16.27%	13.34%	8.16%	14.89%	15.84%	11.81%
Return on Assets (ROA)	4.55%	3.32%	2.72%	3.39%	3.56%	2.89%
Return on Capital (ROIC)	11.36%	8.35%	6.85%	9.26%	10.12%	7.91%
Earnings Yield	5.95%	4.92%	3.62%	7.18%	7.14%	5.02%
FCF Yield	8.12%	6.34%	3.82%	9.53%	9.74%	10.15%
Dividend Yield	1.92%	1.88%	2.28%	2.15%	2.26%	2.45%
Payout Ratio	33.08%	41.49%	65.50%	31.05%	32.85%	48.71%
Buyback Yield / Dilution	-	-1.36%	-0.34%	-8.13%	-13.57%	-2.51%
Total Shareholder Return	1.92%	0.52%	1.93%	-5.98%	-11.31%	-0.06%

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