Intact Financial Corporation (IFCZF)

Intact Financial Ratios and Metrics

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

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Nov 21, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	34,851	27,527	25,239	22,878	16,917	15,483
Market Cap Growth	31.35%	9.06%	10.32%	35.23%	9.26%	53.03%
Enterprise Value	39,144	31,807	29,462	27,070	19,483	17,898
PE Ratio	-	28.41	13.96	12.51	19.41	24.81
PS Ratio	1.53	1.27	1.13	1.62	1.73	1.78
PB Ratio	2.61	2.21	2.12	1.73	2.25	2.30
P/FCF Ratio	20.59	26.19	10.50	10.27	9.85	17.12
P/OCF Ratio	17.21	19.69	9.32	9.20	9.16	15.57
EV/Sales Ratio	1.80	1.47	1.32	1.92	1.99	2.05
EV/EBITDA Ratio	15.42	15.03	10.88	10.63	13.72	20.90
EV/EBIT Ratio	17.97	17.61	12.25	11.84	15.91	25.02
EV/FCF Ratio	23.50	30.26	12.25	12.15	11.34	19.79
Debt / Equity Ratio	0.32	0.35	0.32	0.35	0.36	0.33
Debt / EBITDA Ratio	1.63	2.06	1.41	1.83	1.93	2.56
Debt / FCF Ratio	2.57	4.14	1.59	2.09	1.59	2.42
Quick Ratio	0.13	0.14	0.17	0.27	0.41	0.45
Current Ratio	0.35	0.38	0.43	0.44	0.61	0.61
Asset Turnover	0.53	0.52	0.50	0.35	0.37	0.37
Return on Equity (ROE)	13.00%	8.16%	14.89%	15.84%	11.81%	9.11%
Return on Assets (ROA)	3.32%	2.72%	3.39%	3.56%	2.89%	1.91%
Return on Capital (ROIC)	8.48%	6.85%	9.26%	10.12%	7.91%	5.36%
Earnings Yield	4.65%	3.62%	7.18%	7.14%	5.02%	3.75%
FCF Yield	4.86%	3.82%	9.53%	9.74%	10.16%	5.84%
Dividend Yield	1.81%	2.22%	2.10%	2.19%	2.37%	2.41%
Payout Ratio	43.36%	65.50%	31.05%	32.85%	48.71%	62.86%
Buyback Yield / Dilution	-1.75%	-0.34%	-8.13%	-13.57%	-2.51%	-0.22%
Total Shareholder Return	0.06%	1.87%	-6.03%	-11.38%	-0.13%	2.20%

Source: S&P Capital IQ. Insurance template. Financial Sources.