Intact Financial Corporation (TSX:IFC)
Canada flag Canada · Delayed Price · Currency is CAD
275.25
-2.70 (-0.97%)
Jul 31, 2026, 4:00 PM EST

Intact Financial Statistics

Total Valuation

TSX:IFC has a market cap or net worth of CAD 48.54 billion. The enterprise value is 53.10 billion.

Market Cap48.54B
Enterprise Value 53.10B

Important Dates

The last earnings date was Wednesday, July 29, 2026.

Earnings Date Jul 29, 2026
Ex-Dividend Date Sep 15, 2026

Share Statistics

TSX:IFC has 176.35 million shares outstanding. The number of shares has decreased by -0.50% in one year.

Current Share Class 176.35M
Shares Outstanding 176.35M
Shares Change (YoY) -0.50%
Shares Change (QoQ) -0.39%
Owned by Insiders (%) 0.46%
Owned by Institutions (%) 44.14%
Float 175.55M

Valuation Ratios

The trailing PE ratio is 15.30 and the forward PE ratio is 15.14.

PE Ratio 15.30
Forward PE 15.14
PS Ratio 1.83
PB Ratio 2.24
P/TBV Ratio 4.71
P/FCF Ratio 13.47
P/OCF Ratio 11.62
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.43, with an EV/FCF ratio of 14.74.

EV / Earnings 16.60
EV / Sales 2.00
EV / EBITDA 8.43
EV / EBIT 8.99
EV / FCF 14.74

Financial Position

The company has a current ratio of 0.34, with a Debt / Equity ratio of 0.23.

Current Ratio 0.34
Quick Ratio 0.15
Debt / Equity 0.23
Debt / EBITDA 0.79
Debt / FCF 1.39
Interest Coverage 26.73

Financial Efficiency

Return on equity (ROE) is 16.09% and return on invested capital (ROIC) is 13.88%.

Return on Equity (ROE) 16.09%
Return on Assets (ROA) 4.70%
Return on Invested Capital (ROIC) 13.88%
Return on Capital Employed (ROCE) 16.54%
Weighted Average Cost of Capital (WACC) 5.60%
Revenue Per Employee 830,813
Profits Per Employee 99,969
Employee Count32,000
Asset Turnover 0.42
Inventory Turnover n/a

Taxes

In the past 12 months, TSX:IFC has paid 927.00 million in taxes.

Income Tax 927.00M
Effective Tax Rate 21.96%

Stock Price Statistics

The stock price has decreased by -3.57% in the last 52 weeks. The beta is 0.29, so TSX:IFC's price volatility has been lower than the market average.

Beta (5Y) 0.29
52-Week Price Change -3.57%
50-Day Moving Average 285.15
200-Day Moving Average 270.12
Relative Strength Index (RSI) 37.12
Average Volume (20 Days) 417,607

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 26.59 billion and earned 3.20 billion in profits. Earnings per share was 17.99.

Revenue26.59B
Gross Profit 4.76B
Operating Income 4.71B
Pretax Income 4.22B
Net Income 3.20B
EBITDA 6.30B
EBIT 5.91B
Earnings Per Share (EPS) 17.99
Full Income Statement

Balance Sheet

The company has 3.33 billion in cash and 5.00 billion in debt, with a net cash position of -3.09 billion or -17.51 per share.

Cash & Cash Equivalents 3.33B
Total Debt 5.00B
Net Cash -3.09B
Net Cash Per Share -17.51
Equity (Book Value) 21.72B
Book Value Per Share 114.81
Working Capital -18.82B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 4.18 billion and capital expenditures -575.00 million, giving a free cash flow of 3.60 billion.

Operating Cash Flow 4.18B
Capital Expenditures -575.00M
Depreciation & Amortization n/a
Net Borrowing -584.00M
Free Cash Flow 3.60B
FCF Per Share 20.43
Full Cash Flow Statement

Margins

Gross margin is 17.92%, with operating and profit margins of 17.71% and 12.39%.

Gross Margin 17.92%
Operating Margin 17.71%
Pretax Margin 15.88%
Profit Margin 12.39%
EBITDA Margin 22.01%
EBIT Margin 20.64%
FCF Margin 13.55%

Dividends & Yields

This stock pays an annual dividend of 5.88, which amounts to a dividend yield of 2.14%.

Dividend Per Share 5.88
Dividend Yield 2.14%
Dividend Growth (YoY) 10.24%
Years of Dividend Growth 20
Payout Ratio 33.03%
Buyback Yield 0.50%
Shareholder Yield 2.64%
Earnings Yield 6.59%
FCF Yield 7.42%
Dividend Details

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

Analyst Forecast

The average price target for TSX:IFC is 326.62, which is 18.66% higher than the current price. The consensus rating is "Buy".

Price Target 326.62
Price Target Difference 18.66%
Analyst Consensus Buy
Analyst Count 13
Revenue Growth Forecast (3Y) 0.59%
EPS Growth Forecast (3Y) -3.34%

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