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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan '26 Jan 30, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	27,326	31,339	24,904	23,616	20,116	13,830
Market Cap Growth	-11.02%	25.84%	5.45%	17.40%	45.46%	0.24%
Enterprise Value	30,609	35,361	28,776	27,568	23,803	15,928
PE Ratio	14.98	21.15	29.51	14.27	14.38	20.93
PS Ratio	1.75	1.89	1.57	1.13	1.62	1.73
PB Ratio	2.24	2.57	2.21	2.12	1.73	2.25
P/FCF Ratio	10.99	15.78	26.19	10.50	10.27	9.85
P/OCF Ratio	10.00	13.78	19.69	9.32	9.20	9.16
EV/Sales Ratio	1.93	2.13	1.81	1.32	1.92	1.99
EV/EBITDA Ratio	9.93	15.00	15.03	10.88	10.63	13.72
EV/EBIT Ratio	11.08	17.19	17.61	12.25	11.84	15.91
EV/FCF Ratio	12.31	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 Invested Capital (ROIC)	13.87%	10.73%	8.09%	12.07%	13.16%	10.07%
Earnings Yield	6.68%	4.92%	3.62%	7.18%	7.14%	5.02%
FCF Yield	9.10%	6.34%	3.82%	9.53%	9.74%	10.15%
Dividend Yield	2.23%	1.89%	2.29%	2.16%	2.27%	2.46%
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	2.23%	0.53%	1.94%	-5.97%	-11.30%	-0.05%

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