IFC Stock Analysis: Intact Financial | TO
Insurance - Property & Casualty | TO, Canada | Market Cap: 46.651m CAD | 12M Return: 2.7% | CA45823T1066 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 100M
EPS Trend: 94.5%
Qual. Beats: 3
Rev. Trend: 97.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.8 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Intact Financial Corporation is a Toronto-based property and casualty insurer serving individuals and businesses in Canada, the United States, the United Kingdom, and other markets. Its offerings include personal auto and property, commercial and specialty insurance, and business coverage for areas such as cyber, marine, construction, and professional liability.
The company distributes products through brokers, direct-to-consumer channels, agencies, and managing general agents. Like other property and casualty insurers, it collects premiums and pays claims for covered losses. Formerly ING Canada, it adopted the Intact Financial Corporation name in 2009.
- Premium growth and margins depend on pricing outpacing claims inflation
- Severe weather losses raise catastrophe costs and pressure underwriting results
- Higher investment yields support earnings, while rate cuts limit reinvestment returns
| Net Income: 3.29b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -0.16 > 1.0 |
| NWC/Revenue: 81.02% < 20% (prev 88.08%; Δ -7.05% < -1%) |
| CFO/TA 0.06 > 3% & CFO 4.18b > Net Income 3.29b |
| Net Debt (-13.7b) to EBITDA (5.18b): -2.64 < 3 |
| Current Ratio: 7.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (177.0m) vs 12m ago -0.95% < -2% |
| Gross Margin: 25.52% > 18% (prev 17.22%; Δ 8.30% > 0.5%) |
| Asset Turnover: 43.73% > 50% (prev 42.18%; Δ 1.55% > 0%) |
| Interest Coverage Ratio: 20.10 > 6 (EBIT TTM 4.44b / Interest Expense TTM 221.0m) |
| A: 0.34 (Total Current Assets 25.7b - Total Current Liabilities 3.57b) / Total Assets 64.3b |
| B: 0.17 (Retained Earnings 11.0b / Total Assets 64.3b) |
| C: 0.07 (EBIT TTM 4.44b / Avg Total Assets 62.6b) |
| D: 0.51 (Book Value of Equity 21.7b / Total Liabilities 42.6b) |
| Altman-Z'' = 3.83 = AA |
| DSRI: 3.0 (Receivables 6.03b/671.0m, Revenue 27.4b/25.7b) |
| GMI: 0.67 (GM 17.22% / 25.52%) |
| AQI: 1.05 (AQ_t 0.59 / AQ_t-1 0.56) |
| SGI: 1.07 (Revenue 27.4b / 25.7b) |
| TATA: -0.01 (NI 3.29b - CFO 4.18b) / TA 64.3b) |
| Beneish M = -1.60 (Cap -4..+1) = CCC |
As of October 31, 2026, the stock is trading at CAD 260.63 with a total of 539,714 shares traded. Over the past week, the price has changed by -1.48%, over one month by +5.67%, over three months by -5.70% and over the past year by +2.66%.
Current recommended Stop Loss: 252.00 (which is 3.3% or 1.9 ATR below the current price).
Intact Financial has no consensus analysts rating.
P/E Trailing = 14.7048
P/E Forward = 15.9236
P/S = 1.7547
P/B = 2.7274
P/EG = 0.4879
Revenue TTM = 27.4b CAD
EBIT TTM = 4.44b CAD
EBITDA TTM = 5.18b CAD
Long Term Debt = 4.20b CAD (from longTermDebt, last quarter)
Short Term Debt = 159.0m CAD (from shortTermDebt, last quarter)
Debt = 5.73b CAD (from shortLongTermDebtTotal, last quarter) + Leases 684.0m
Net Debt = -13.7b CAD (calculated: Debt 5.73b - CCE 19.4b)
Enterprise Value = 33.0b CAD (46.7b + Debt 5.73b - CCE 19.4b)
Interest Coverage Ratio = 20.10 (Ebit TTM 4.44b / Interest Expense TTM 221.0m)
EV/FCF = 9.15x (Enterprise Value 33.0b / FCF TTM 3.60b)
FCF Yield = 10.93% (FCF TTM 3.60b / Enterprise Value 33.0b)
FCF Margin = 13.17% (FCF TTM 3.60b / Revenue TTM 27.4b)
Net Margin = 12.04% (Net Income TTM 3.29b / Revenue TTM 27.4b)
Gross Margin = 25.52% ((Revenue TTM 27.4b - Cost of Revenue TTM 20.4b) / Revenue TTM)
Gross Margin QoQ = 17.78% (prev none%)
Tobins Q-Ratio = 0.51 (Enterprise Value 33.0b / Total Assets 64.3b)
Interest Expense / Debt = 3.86% (Interest Expense 221.0m / Debt 5.73b)
Taxrate = 21.96% (927.0m / 4.22b)
NOPAT = 3.47b (EBIT 4.44b * (1 - 21.96%))
Current Ratio = 7.21 (Total Current Assets 25.7b / Total Current Liabilities 3.57b)
Debt / Equity = 0.26 (Debt 5.73b / totalStockholderEquity, last quarter 21.7b)
Debt / EBITDA = -2.64 (Net Debt -13.7b / EBITDA 5.18b)
Debt / FCF = -3.80 (Net Debt -13.7b / FCF TTM 3.60b)
Total Stockholder Equity = 20.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.26% (Net Income 3.29b / Total Assets 64.3b)
RoE = 15.73% (Net Income TTM 3.29b / Total Stockholder Equity 20.9b)
RoCE = 17.67% (EBIT 4.44b / Capital Employed (Equity 20.9b + L.T.Debt 4.20b))
RoIC = 5.83% (NOPAT 3.47b / Invested Capital 59.5b)
WACC = 4.65% (E(46.7b)/V(52.4b) * Re(4.85%) + D(5.73b)/V(52.4b) * Rd(3.86%) * (1-Tc(0.22)))
Discount Rate = 4.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -68.96 | Cagr: -0.32%
[DCF] Terminal Value 75.79% ; FCFF base≈3.57b ; Y1≈3.66b ; Y5≈4.05b
[DCF] Fair Price = 433.0 (EV 62.7b - Net Debt -13.7b = Equity 76.4b / Shares 176.3m; r=8.35% [WACC [floored]]; 5y FCF grow 2.65% → 2.50% )
EPS Correlation: 94.52 | EPS CAGR: 24.90% | SUE: 1.66 | # QB: 3
Revenue Correlation: 97.43 | Revenue CAGR: 10.66% | SUE: 0.63 | # QB: 0
EPS current Quarter (2026-09-30): EPS=3.21 | Chg30d=-24.90% | Revisions=-62% | Analysts=12
EPS current Year (2026-12-31): EPS=15.63 | Chg30d=-7.69% | Revisions=-62% | GrowthEPS=-25.2% | GrowthRev=+4.8%
EPS next Year (2027-12-31): EPS=18.17 | Chg30d=-2.91% | Revisions=-38% | GrowthEPS=+16.2% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: -72% (up=1, down=14)