Intact Financial Corporation (IFCZF)

Intact Financial Balance Sheet

Financials in millions CAD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Investments in Debt Securities	28,857	28,482	26,848	25,309	24,791	13,414
Investments in Equity & Preferred Securities	9,607	8,950	6,996	6,864	8,293	6,142
Other Investments	2,968	1,880	1,926	2,402	1,298	435
Total Investments	42,119	39,883	36,279	35,051	35,016	19,991
Cash & Equivalents	1,489	894	939	656	2,276	917
Reinsurance Recoverable	4,786	4,788	5,217	5,004	6,016	1,670
Other Receivables	1,911	1,745	1,769	1,948	9,711	4,573
Deferred Policy Acquisition Cost	-	-	-	-	2,024	1,089
Property, Plant & Equipment	854	820	799	778	774	520
Goodwill	4,863	4,507	4,085	3,350	3,066	2,813
Other Intangible Assets	4,931	5,060	5,047	4,700	4,636	2,514
Restricted Cash	369	251	232	354	-	-
Other Current Assets	522	396	414	282	1,076	800
Long-Term Deferred Tax Assets	693	744	811	722	584	179
Other Long-Term Assets	436	438	387	896	1,170	53
Total Assets	62,973	59,526	55,979	53,741	66,349	35,119
Accounts Payable	734	487	452	468	516	276
Accrued Expenses	929	921	839	773	1,916	928
Insurance & Annuity Liabilities	7,852	7,896	8,642	9,691	704	475
Unpaid Claims	25,267	24,004	21,711	19,439	25,116	12,780
Unearned Premiums	-	-	-	-	11,703	6,256
Reinsurance Payable	-	-	-	-	1,378	79
Current Portion of Long-Term Debt	250	300	390	15	479	510
Current Portion of Leases	-	114	120	112	120	83
Short-Term Debt	122	148	274	135	439	-
Current Income Taxes Payable	325	142	205	28	131	149
Long-Term Debt	4,406	4,381	4,426	4,387	4,337	2,531
Long-Term Leases	679	532	540	510	518	364
Long-Term Deferred Tax Liabilities	511	593	726	805	698	279
Other Current Liabilities	898	865	91	141	207	46
Other Long-Term Liabilities	734	689	775	848	940	465
Total Liabilities	43,011	41,378	39,504	37,613	49,566	25,536
Preferred Stock, Redeemable	1,322	1,322	1,322	1,322	1,175	1,175
Common Stock	8,098	8,126	8,099	7,542	7,576	3,265
Additional Paid-In Capital	283	298	290	269	211	187
Retained Earnings	9,558	7,922	6,503	7,801	6,183	4,547
Comprehensive Income & Other	701	480	-24	-1,091	529	409
Total Common Equity	18,640	16,826	14,868	14,521	14,499	8,408
Minority Interest	-	-	285	285	1,109	-
Shareholders' Equity	19,962	18,148	16,475	16,128	16,783	9,583
Total Liabilities & Equity	62,973	59,526	55,979	53,741	66,349	35,119
Filing Date Shares Outstanding	177.69	178.34	178.32	175.26	176.08	143.02
Total Common Shares Outstanding	177.81	178.34	178.32	175.26	176.08	143.02
Total Debt	5,457	5,475	5,750	5,159	5,893	3,488
Net Cash (Debt)	-3,968	-4,581	-4,811	-4,503	-3,617	-2,571
Net Cash Per Share	-22.23	-25.65	-27.30	-25.64	-22.27	-17.98
Book Value Per Share	104.83	94.35	83.38	82.86	82.34	58.79
Tangible Book Value	8,846	7,259	5,736	6,471	6,797	3,081
Tangible Book Value Per Share	49.75	40.70	32.17	36.92	38.60	21.54

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.