Intact Financial Corporation (TSX:IFC)
Canada · Delayed Price · Currency is CAD 276.00
-6.27 (-2.22%)
Nov 6, 2026, 4:00 PM EST
Intact Financial Cash Flow Statement
Financials in millions CAD. Fiscal year is January - December.
Millions CAD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 2,995 | 3,365 | 2,297 | 1,316 | 2,454 | 2,067 |
Depreciation & Amortization | 712 | 797 | 726 | 410 | 409 | 329 |
Other Amortization | - | - | - | 187 | 154 | 132 |
Gain (Loss) on Sale of Assets | -110 | -123 | -270 | -50 | -421 | -243 |
Gain (Loss) on Sale of Investments | -236 | -832 | -279 | -286 | 446 | -290 |
Stock-Based Compensation | 149 | 147 | 104 | 120 | 152 | 95 |
Change in Accounts Receivable | 1,026 | 846 | 1,192 | 879 | - | -90 |
Change in Unearned Revenue | - | - | - | - | - | 434 |
Change in Insurance Reserves / Liabilities | - | - | - | - | 365 | 783 |
Change in Other Net Operating Assets | -68 | 19 | -201 | -1,129 | -67 | 59 |
Other Operating Activities | -447 | 236 | -93 | 495 | 276 | -27 |
Operating Cash Flow | 3,956 | 4,388 | 3,387 | 1,846 | 3,665 | 3,146 |
Operating Cash Flow Growth | -11.46% | 29.55% | 83.48% | -49.63% | 16.50% | 33.76% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -605 | -457 | -429 | -458 | -411 | -327 |
Cash Acquisitions | - | - | - | -869 | -239 | -11,076 |
Investment in Securities | -1,007 | -2,124 | -1,330 | -678 | -3,391 | -1,778 |
Investing Cash Flow | -1,612 | -2,581 | -1,614 | -2,005 | -2,746 | -5,972 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 298 | 298 | 799 | 1,258 | 2,254 |
Total Debt Issued | 248 | 298 | 298 | 799 | 1,258 | 2,254 |
Total Debt Repaid | -837 | -615 | -866 | -320 | -2,113 | -1,526 |
Lease Payments | -113 | -91 | -98 | -90 | -111 | -97 |
Net Debt Issued (Repaid) | -589 | -317 | -568 | 479 | -855 | 728 |
Issuance of Common Stock | 494 | - | 11 | 551 | - | 4,311 |
Repurchases of Common Stock | -727 | -394 | -204 | -128 | -262 | -81 |
Issuance of Preferred Stock | 147 | 147 | - | 296 | 146 | - |
Common Dividends Paid | -1,014 | -947 | -863 | -778 | -702 | -626 |
Preferred Dividends Paid | -105 | -90 | -90 | -84 | -60 | -53 |
Total Dividends Paid | -1,119 | -1,037 | -953 | -862 | -762 | -679 |
Other Financing Activities | - | - | -292 | -15 | -474 | -90 |
Financing Cash Flow | -2,044 | -1,601 | -2,006 | 321 | -2,207 | 4,189 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Foreign Exchange Rate Adjustments | 19 | 10 | 59 | -1 | 22 | -4 |
Net Cash Flow | 339 | 216 | -174 | 161 | -1,266 | 1,359 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 3,351 | 3,931 | 2,958 | 1,388 | 3,254 | 2,819 |
Free Cash Flow Growth | -17.57% | 32.89% | 113.11% | -57.34% | 15.43% | 28.78% |
Free Cash Flow Margin | 12.66% | 15.08% | 11.97% | 6.00% | 13.68% | 15.76% |
Free Cash Flow Per Share | 18.90 | 22.02 | 16.56 | 7.88 | 18.53 | 17.36 |
Levered Free Cash Flow | 4,231 | 3,484 | 5,747 | 4,127 | -9,867 | 21,267 |
Unlevered Free Cash Flow | 4,368 | 3,624 | 5,886 | 4,270 | -9,756 | 21,362 |
Free Cash Flow After Leases | 3,238 | 3,840 | 2,860 | 1,298 | 3,143 | 2,722 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 224 | 227 | 225 | 228 | 176 | 191 |
Cash Income Tax Paid | 1,393 | 820 | 745 | 153 | 408 | 783 |
Change in Working Capital | 958 | 865 | 991 | -250 | 298 | 1,170 |