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 Income Statement
Financials in millions CAD. Fiscal year is January - December.
Millions CAD. Fiscal year is Jan - Dec.
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 |
Premiums & Annuity Revenue | 24,976 | 24,587 | 23,944 | 22,451 | 22,439 | 16,238 |
Total Interest & Dividend Income | 1,337 | 741 | 520 | 358 | 1,525 | 706 |
Gain (Loss) on Sale of Investments | 96 | 672 | 148 | 249 | -285 | 630 |
Other Revenue | 65 | 67 | 89 | 96 | 103 | 310 |
| 26,474 | 26,067 | 24,701 | 23,154 | 23,782 | 17,884 | |
Revenue Growth | 3.70% | 5.53% | 6.68% | -2.64% | 32.98% | 43.24% |
Policy Benefits | 16,283 | 15,354 | 15,769 | 14,485 | 13,656 | 8,967 |
Policy Acquisition & Underwriting Costs | 6,070 | 5,825 | 5,440 | 5,168 | 4,833 | 5,611 |
Other Operating Expenses | -115 | 67 | 428 | 1,116 | 2,037 | 413 |
Total Operating Expenses | 22,238 | 21,246 | 21,637 | 20,769 | 20,526 | 14,991 |
Operating Income | 4,236 | 4,821 | 3,064 | 2,385 | 3,256 | 2,893 |
Interest Expense | -219 | -225 | -222 | -229 | -177 | -153 |
Currency Exchange Gain (Loss) | 48 | -16 | 173 | 86 | -137 | 9 |
Other Non Operating Income (Expenses) | 66 | 123 | 132 | 72 | 13 | - |
EBT Excluding Unusual Items | 4,131 | 4,703 | 3,147 | 2,314 | 2,955 | 2,749 |
Merger & Restructuring Charges | -345 | -396 | -407 | -517 | -353 | -464 |
Gain (Loss) on Sale of Assets | - | - | 138 | - | 405 | - |
Asset Writedown | - | - | - | - | - | 79 |
Other Unusual Items | - | - | - | 7 | - | 204 |
Pretax Income | 3,786 | 4,307 | 2,878 | 1,804 | 3,007 | 2,568 |
Income Tax Expense | 791 | 942 | 568 | 473 | 557 | 480 |
Earnings From Continuing Ops. | 2,995 | 3,365 | 2,310 | 1,331 | 2,450 | 2,088 |
Minority Interest in Earnings | - | - | -13 | -15 | 4 | -21 |
Net Income | 2,995 | 3,365 | 2,297 | 1,316 | 2,454 | 2,067 |
Preferred Dividends & Other Adjustments | 105 | 90 | 90 | 84 | 60 | 53 |
Net Income to Common | 2,890 | 3,275 | 2,207 | 1,232 | 2,394 | 2,014 |
Net Income Growth | -3.05% | 48.39% | 79.14% | -48.54% | 18.87% | 95.53% |
Shares Outstanding (Basic) | 177 | 178 | 178 | 176 | 176 | 162 |
Shares Outstanding (Diluted) | 177 | 179 | 179 | 176 | 176 | 162 |
Shares Change | -0.73% | -0.06% | 1.36% | 0.34% | 8.13% | 13.57% |
EPS (Basic) | 16.34 | 18.39 | 12.38 | 6.99 | 13.63 | 12.40 |
EPS (Diluted) | 16.30 | 18.35 | 12.36 | 6.99 | 13.63 | 12.40 |
EPS Growth | -2.34% | 48.46% | 76.82% | -48.73% | 9.93% | 72.18% |
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 |
Free Cash Flow | 3,351 | 3,931 | 2,958 | 1,388 | 3,254 | 2,819 |
Free Cash Flow Per Share | 18.90 | 22.02 | 16.56 | 7.88 | 18.53 | 17.36 |
Dividend Per Share | 5.740 | 5.320 | 4.840 | 4.400 | 4.000 | 3.400 |
Dividend Growth | 10.38% | 9.92% | 10.00% | 10.00% | 17.65% | 2.41% |
Operating Margin | 16.00% | 18.50% | 12.40% | 10.30% | 13.69% | 16.18% |
Profit Margin | 10.92% | 12.56% | 8.94% | 5.32% | 10.07% | 11.26% |
Free Cash Flow Margin | 12.66% | 15.08% | 11.97% | 6.00% | 13.68% | 15.76% |
EBITDA | 4,948 | 5,618 | 3,790 | 2,795 | 3,665 | 3,222 |
EBITDA Margin | 18.69% | 21.55% | 15.34% | 12.07% | 15.41% | 18.02% |
D&A For EBITDA | 712 | 797 | 726 | 410 | 409 | 329 |
EBIT | 4,236 | 4,821 | 3,064 | 2,385 | 3,256 | 2,893 |
EBIT Margin | 16.00% | 18.50% | 12.40% | 10.30% | 13.69% | 16.18% |
Effective Tax Rate | 20.89% | 21.87% | 19.74% | 26.22% | 18.52% | 18.69% |