Intact Financial Corporation (TSX:IFC)

Intact Financial Statistics

Total Valuation

TSX:IFC has a market cap or net worth of CAD 48.57 billion. The enterprise value is 53.86 billion.

Market Cap	48.57B
Enterprise Value	53.86B

Important Dates

The next estimated earnings date is Wednesday, February 11, 2026.

Earnings Date	Feb 11, 2026
Ex-Dividend Date	Dec 17, 2025

Share Statistics

TSX:IFC has 177.69 million shares outstanding.

Current Share Class	177.69M
Shares Outstanding	177.69M
Shares Change (YoY)	n/a
Shares Change (QoQ)	-0.11%
Owned by Insiders (%)	0.48%
Owned by Institutions (%)	45.05%
Float	176.84M

Valuation Ratios

The trailing PE ratio is 16.38 and the forward PE ratio is 15.94.

PE Ratio	16.38
Forward PE	15.94
PS Ratio	1.90
PB Ratio	2.43
P/TBV Ratio	5.49
P/FCF Ratio	11.95
P/OCF Ratio	10.87
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.84, with an EV/FCF ratio of 13.25.

EV / Earnings	18.07
EV / Sales	2.11
EV / EBITDA	10.84
EV / EBIT	12.10
EV / FCF	13.25

Financial Position

The company has a current ratio of 0.38, with a Debt / Equity ratio of 0.27.

Current Ratio	0.38
Quick Ratio	0.17
Debt / Equity	0.27
Debt / EBITDA	1.10
Debt / FCF	1.34
Interest Coverage	19.96

Financial Efficiency

Return on equity (ROE) is 16.27% and return on invested capital (ROIC) is 11.36%.

Return on Equity (ROE)	16.27%
Return on Assets (ROA)	4.55%
Return on Invested Capital (ROIC)	11.36%
Return on Capital Employed (ROCE)	12.92%
Revenue Per Employee	823,516
Profits Per Employee	96,161
Employee Count	31,000
Asset Turnover	0.42
Inventory Turnover	n/a

Taxes

In the past 12 months, TSX:IFC has paid 868.00 million in taxes.

Income Tax	868.00M
Effective Tax Rate	22.04%

Stock Price Statistics

The stock price has increased by +2.76% in the last 52 weeks. The beta is 0.26, so TSX:IFC's price volatility has been lower than the market average.

Beta (5Y)	0.26
52-Week Price Change	+2.76%
50-Day Moving Average	271.43
200-Day Moving Average	287.13
Relative Strength Index (RSI)	49.03
Average Volume (20 Days)	400,469

Short Selling Information

The latest short interest is 1.03 million, so 0.58% of the outstanding shares have been sold short.

Short Interest	1.03M
Short Previous Month	913,895
Short % of Shares Out	0.58%
Short % of Float	0.58%
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, TSX:IFC had revenue of CAD 25.53 billion and earned 2.98 billion in profits. Earnings per share was 16.69.

Revenue	25.53B
Gross Profit	4.74B
Operating Income	4.45B
Pretax Income	3.94B
Net Income	2.98B
EBITDA	4.97B
EBIT	4.45B
Earnings Per Share (EPS)	16.69

Balance Sheet

The company has 4.00 billion in cash and 5.46 billion in debt, giving a net cash position of -3.97 billion or -22.33 per share.

Cash & Cash Equivalents	4.00B
Total Debt	5.46B
Net Cash	-3.97B
Net Cash Per Share	-22.33
Equity (Book Value)	19.96B
Book Value Per Share	104.83
Working Capital	-17.73B

Cash Flow

In the last 12 months, operating cash flow was 4.47 billion and capital expenditures -403.00 million, giving a free cash flow of 4.07 billion.

Operating Cash Flow	4.47B
Capital Expenditures	-403.00M
Free Cash Flow	4.07B
FCF Per Share	22.88

Margins

Gross margin is 18.56%, with operating and profit margins of 17.44% and 12.03%.

Gross Margin	18.56%
Operating Margin	17.44%
Pretax Margin	15.43%
Profit Margin	12.03%
EBITDA Margin	19.45%
EBIT Margin	17.44%
FCF Margin	15.92%

Dividends & Yields

This stock pays an annual dividend of 5.32, which amounts to a dividend yield of 1.95%.

Dividend Per Share	5.32
Dividend Yield	1.95%
Dividend Growth (YoY)	9.92%
Years of Dividend Growth	20
Payout Ratio	31.88%
Buyback Yield	n/a
Shareholder Yield	1.92%
Earnings Yield	6.14%
FCF Yield	8.37%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5