Intact Financial Corporation (FRA:I5U)

Intact Financial Statistics

Total Valuation

FRA:I5U has a market cap or net worth of EUR 28.83 billion. The enterprise value is 32.33 billion.

Market Cap	28.83B
Enterprise Value	32.33B

Important Dates

The last earnings date was Tuesday, February 10, 2026.

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

Share Statistics

Current Share Class	177.56M
Shares Outstanding	n/a
Shares Change (YoY)	-0.06%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	176.71M

Valuation Ratios

The trailing PE ratio is 14.17 and the forward PE ratio is 15.01.

PE Ratio	14.17
Forward PE	15.01
PS Ratio	1.78
PB Ratio	2.23
P/TBV Ratio	4.85
P/FCF Ratio	11.81
P/OCF Ratio	10.58
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 9.28, with an EV/FCF ratio of 13.24.

EV / Earnings	15.89
EV / Sales	2.00
EV / EBITDA	9.28
EV / EBIT	10.82
EV / FCF	13.24

Financial Position

The company has a current ratio of 0.36, with a Debt / Equity ratio of 0.25.

Current Ratio	0.36
Quick Ratio	0.17
Debt / Equity	0.25
Debt / EBITDA	0.93
Debt / FCF	1.34
Interest Coverage	21.43

Financial Efficiency

Return on equity (ROE) is 17.26% and return on invested capital (ROIC) is 14.63%.

Return on Equity (ROE)	17.26%
Return on Assets (ROA)	4.92%
Return on Invested Capital (ROIC)	14.63%
Return on Capital Employed (ROCE)	13.91%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	506,002
Profits Per Employee	63,573
Employee Count	32,000
Asset Turnover	0.43
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:I5U has paid 585.14 million in taxes.

Income Tax	585.14M
Effective Tax Rate	21.87%

Stock Price Statistics

The stock price has decreased by -18.75% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-18.75%
50-Day Moving Average	163.60
200-Day Moving Average	174.00
Relative Strength Index (RSI)	47.31
Average Volume (20 Days)	n/a

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 16.19 billion and earned 2.03 billion in profits. Earnings per share was 11.40.

Revenue	16.19B
Gross Profit	3.04B
Operating Income	2.99B
Pretax Income	2.68B
Net Income	2.03B
EBITDA	3.49B
EBIT	2.99B
Earnings Per Share (EPS)	11.40

Balance Sheet

The company has 2.45 billion in cash and 3.26 billion in debt, with a net cash position of -2.59 billion.

Cash & Cash Equivalents	2.45B
Total Debt	3.26B
Net Cash	-2.59B
Net Cash Per Share	n/a
Equity (Book Value)	12.94B
Book Value Per Share	67.73
Working Capital	-11.22B

Cash Flow

In the last 12 months, operating cash flow was 2.73 billion and capital expenditures -283.88 million, giving a free cash flow of 2.44 billion.

Operating Cash Flow	2.73B
Capital Expenditures	-283.88M
Free Cash Flow	2.44B
FCF Per Share	n/a

Margins

Gross margin is 18.75%, with operating and profit margins of 18.49% and 12.91%.

Gross Margin	18.75%
Operating Margin	18.49%
Pretax Margin	16.52%
Profit Margin	12.91%
EBITDA Margin	21.55%
EBIT Margin	18.49%
FCF Margin	15.08%

Dividends & Yields

This stock pays an annual dividend of 3.34, which amounts to a dividend yield of 2.14%.

Dividend Per Share	3.34
Dividend Yield	2.14%
Dividend Growth (YoY)	2.55%
Years of Dividend Growth	16
Payout Ratio	30.82%
Buyback Yield	0.06%
Shareholder Yield	2.20%
Earnings Yield	7.06%
FCF Yield	8.47%

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	6