Intact Financial Corporation (TSX:IFC)

Intact Financial Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 3, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	48,566	46,683	36,353	34,159	28,951	21,556
Market Cap Growth	0.03%	28.42%	6.42%	17.99%	34.31%	7.33%
Enterprise Value	53,856	52,675	42,005	39,874	34,257	24,826
PE Ratio	16.38	21.15	29.51	14.27	14.38	20.93
PS Ratio	1.90	1.89	1.57	1.13	1.62	1.73
PB Ratio	2.43	2.57	2.21	2.12	1.73	2.25
P/FCF Ratio	11.95	15.78	26.19	10.50	10.27	9.85
P/OCF Ratio	10.87	13.78	19.69	9.32	9.20	9.16
EV/Sales Ratio	2.11	2.13	1.81	1.32	1.92	1.99
EV/EBITDA Ratio	10.84	15.00	15.03	10.88	10.63	13.72
EV/EBIT Ratio	12.10	17.19	17.61	12.25	11.84	15.91
EV/FCF Ratio	13.25	17.81	30.26	12.25	12.15	11.34
Debt / Equity Ratio	0.27	0.30	0.35	0.32	0.35	0.36
Debt / EBITDA Ratio	1.10	1.56	2.06	1.41	1.83	1.93
Debt / FCF Ratio	1.34	1.85	4.14	1.59	2.09	1.59
Quick Ratio	0.17	0.12	0.13	0.15	0.27	0.41
Current Ratio	0.38	0.33	0.38	0.43	0.44	0.61
Asset Turnover	0.42	0.43	0.42	0.50	0.35	0.37
Return on Equity (ROE)	16.27%	13.34%	8.16%	14.89%	15.84%	11.81%
Return on Assets (ROA)	4.55%	3.32%	2.72%	3.39%	3.56%	2.89%
Return on Capital (ROIC)	11.36%	8.35%	6.85%	9.26%	10.12%	7.91%
Earnings Yield	6.14%	4.92%	3.62%	7.18%	7.14%	5.02%
FCF Yield	8.37%	6.34%	3.82%	9.53%	9.74%	10.15%
Dividend Yield	1.95%	1.88%	2.23%	2.17%	2.23%	2.43%
Payout Ratio	31.88%	41.49%	65.50%	31.05%	32.85%	48.71%
Buyback Yield / Dilution	-	-1.36%	-0.34%	-8.13%	-13.57%	-2.51%
Total Shareholder Return	1.92%	0.51%	1.89%	-5.96%	-11.33%	-0.08%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.