Intact Financial Corporation (TSX: IFC)

Intact Financial Ratios and Metrics

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

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jan 21, 2025	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	45,684	36,353	34,159	28,951	21,556	20,083
Market Cap Growth	31.18%	6.42%	17.99%	34.31%	7.34%	45.46%
Enterprise Value	51,676	42,005	39,874	34,257	24,826	23,215
PE Ratio	22.15	29.51	14.27	14.38	20.93	28.33
PS Ratio	1.51	1.27	1.13	1.62	1.73	1.78
PB Ratio	2.78	2.21	2.12	1.73	2.25	2.30
P/FCF Ratio	20.30	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	1.70	1.47	1.32	1.92	1.99	2.05
EV/EBITDA Ratio	14.59	15.03	10.88	10.63	13.72	20.90
EV/EBIT Ratio	17.00	17.61	12.25	11.84	15.91	25.02
EV/FCF Ratio	22.97	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	4.52%	3.62%	7.18%	7.14%	5.02%	3.75%
FCF Yield	4.93%	3.82%	9.53%	9.74%	10.16%	5.84%
Dividend Yield	1.89%	2.20%	2.14%	2.20%	2.40%	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	0.14%	1.86%	-5.99%	-11.36%	-0.11%	2.20%

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