Intact Financial Ratios and Metrics

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

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 11, 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
Market Capitalization	45,021	50,755	46,683	36,353	34,159	28,951
Market Cap Growth	-1.05%	8.72%	28.42%	6.42%	17.99%	34.31%
Enterprise Value	50,665	56,045	52,675	42,005	39,874	34,257
PE Ratio	13.82	15.50	21.15	29.51	14.27	14.38
PS Ratio	1.73	1.95	1.89	1.57	1.44	1.62
PB Ratio	2.16	2.44	2.57	2.21	2.12	1.73
P/FCF Ratio	11.45	12.91	15.78	26.19	10.50	10.27
P/OCF Ratio	10.26	11.57	13.78	19.69	9.32	9.20
EV/Sales Ratio	1.94	2.15	2.13	1.81	1.68	1.92
EV/EBITDA Ratio	9.02	9.98	13.90	15.03	10.88	10.63
EV/EBIT Ratio	10.51	11.63	17.19	17.61	12.25	11.84
EV/FCF Ratio	12.89	14.26	17.81	30.26	12.25	12.15
Debt / Equity Ratio	0.25	0.25	0.30	0.35	0.32	0.35
Debt / EBITDA Ratio	0.93	0.93	1.44	2.06	1.41	1.83
Debt / FCF Ratio	1.34	1.34	1.85	4.14	1.59	2.09
Net Debt / Equity Ratio	0.20	0.20	0.25	0.29	0.28	0.22
Net Debt / EBITDA Ratio	0.74	0.74	1.21	1.72	1.23	1.12
Net Debt / FCF Ratio	1.06	1.06	1.55	3.47	1.38	1.28
Quick Ratio	0.17	0.17	0.12	0.13	0.15	0.27
Current Ratio	0.36	0.36	0.33	0.38	0.43	0.44
Asset Turnover	0.43	0.43	0.43	0.42	0.40	0.35
Return on Equity (ROE)	17.26%	17.26%	13.34%	8.16%	14.89%	15.84%
Return on Assets (ROA)	4.92%	4.92%	3.32%	2.72%	3.39%	3.56%
Return on Invested Capital (ROIC)	14.63%	15.15%	10.73%	8.09%	12.07%	13.16%
Earnings Yield	7.27%	6.63%	4.92%	3.62%	7.18%	7.14%
FCF Yield	8.73%	7.75%	6.34%	3.82%	9.53%	9.74%
Dividend Yield	2.32%	1.86%	1.88%	2.24%	2.18%	2.25%
Payout Ratio	30.82%	30.82%	41.49%	65.50%	31.05%	32.85%
Buyback Yield / Dilution	0.06%	0.06%	-1.36%	-0.34%	-8.13%	-13.57%
Total Shareholder Return	2.29%	1.92%	0.52%	1.90%	-5.95%	-11.32%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.