Intact Financial Corporation (FRA:I5U)

Intact Financial Statistics

Total Valuation

FRA:I5U has a market cap or net worth of EUR 27.33 billion. The enterprise value is 30.61 billion.

Market Cap	27.33B
Enterprise Value	30.61B

Important Dates

The next estimated earnings date is Tuesday, February 10, 2026.

Earnings Date	Feb 10, 2026
Ex-Dividend Date	Dec 17, 2025

Share Statistics

Current Share Class	177.63M
Shares Outstanding	n/a
Shares Change (YoY)	n/a
Shares Change (QoQ)	-0.11%
Owned by Insiders (%)	0.48%
Owned by Institutions (%)	44.73%
Float	176.78M

Valuation Ratios

The trailing PE ratio is 14.98 and the forward PE ratio is 14.43.

PE Ratio	14.98
Forward PE	14.43
PS Ratio	1.75
PB Ratio	2.24
P/TBV Ratio	5.05
P/FCF Ratio	10.99
P/OCF Ratio	10.00
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 9.93, with an EV/FCF ratio of 12.31.

EV / Earnings	16.78
EV / Sales	1.93
EV / EBITDA	9.93
EV / EBIT	11.08
EV / FCF	12.31

Financial Position

The company has a current ratio of 0.38, with a Debt / Equity ratio of 0.27.

Current Ratio	0.38
Quick Ratio	0.17
Debt / Equity	0.27
Debt / EBITDA	1.10
Debt / FCF	1.34
Interest Coverage	19.96

Financial Efficiency

Return on equity (ROE) is 16.27% and return on invested capital (ROIC) is 13.87%.

Return on Equity (ROE)	16.27%
Return on Assets (ROA)	4.55%
Return on Invested Capital (ROIC)	13.87%
Return on Capital Employed (ROCE)	12.92%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	503,904
Profits Per Employee	58,840
Employee Count	31,000
Asset Turnover	0.42
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:I5U has paid 531.12 million in taxes.

Income Tax	531.12M
Effective Tax Rate	22.04%

Stock Price Statistics

The stock price has decreased by -11.24% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-11.24%
50-Day Moving Average	168.86
200-Day Moving Average	176.67
Relative Strength Index (RSI)	25.73
Average Volume (20 Days)	0

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:I5U had revenue of EUR 15.62 billion and earned 1.82 billion in profits. Earnings per share was 10.21.

Revenue	15.62B
Gross Profit	2.90B
Operating Income	2.72B
Pretax Income	2.41B
Net Income	1.82B
EBITDA	3.04B
EBIT	2.72B
Earnings Per Share (EPS)	10.21

Balance Sheet

The company has 2.45 billion in cash and 3.34 billion in debt, with a net cash position of -2.43 billion.

Cash & Cash Equivalents	2.45B
Total Debt	3.34B
Net Cash	-2.43B
Net Cash Per Share	n/a
Equity (Book Value)	12.21B
Book Value Per Share	64.15
Working Capital	-10.85B

Cash Flow

In the last 12 months, operating cash flow was 2.73 billion and capital expenditures -246.59 million, giving a free cash flow of 2.49 billion.

Operating Cash Flow	2.73B
Capital Expenditures	-246.59M
Free Cash Flow	2.49B
FCF Per Share	n/a

Margins

Gross margin is 18.56%, with operating and profit margins of 17.44% and 12.03%.

Gross Margin	18.56%
Operating Margin	17.44%
Pretax Margin	15.43%
Profit Margin	12.03%
EBITDA Margin	19.45%
EBIT Margin	17.44%
FCF Margin	15.92%

Dividends & Yields

This stock pays an annual dividend of 3.34, which amounts to a dividend yield of 2.23%.

Dividend Per Share	3.34
Dividend Yield	2.23%
Dividend Growth (YoY)	2.55%
Years of Dividend Growth	16
Payout Ratio	32.68%
Buyback Yield	n/a
Shareholder Yield	2.23%
Earnings Yield	6.68%
FCF Yield	9.10%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5