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Definity Financial Corporation (DFY.TO)
Waterloo, ON, CA
Operating in Canada, Definity Financial Corporation specializes in offering a wide array of property and casualty insurance solutions. For individual clients, the company provides coverage such as auto, home, general liability, umbrella policies, and pet insurance, marketed under brands like Economical, Sonnet, Family, Petsecure, and Peppermint. Businesses, conversely, can access commercial insurance offerings, including fleet, commercial vehicle, property, liability, and specialized coverage, all provided under the Economical brand. Its distribution strategy primarily involves intermediaries and brokers, though it also engages directly with customers. The firm, established in 1871 and based in Waterloo, Canada, adopted its current name, Definity Financial Corporation, in August 2021, having previously been known as Economical Holdings Corporation.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.35% | +2.23% | +5.59% | -1.25% | -5.40% | -13.50% | +2.15% | +77.51% | +141.74% | +141.74% | +141.74% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 2 | 0 |
| Hold | 7 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Property & Casualty: +14.1%+8.1% Q1'26: +63.6% (vs Q1'25)
-
EPS growth Insurance - Property & Casualty: +27.5%-4.9% Q1'26: -34.2% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+12.3% Q1'26: -8.6% (vs Q1'25)
-
EBIT margin Insurance - Property & Casualty: +16.3%+12.3% Q1'26: +5.7% (vs Q1'25)
-
ROIC Insurance - Property & Casualty: +7.9%+9.1% ★ Q1'26: +5.4% (vs Q1'25)
-
Share dilution Insurance - Property & Casualty: +0.4%+2.2% Q1'26: +5.1% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×1.58× Q1'26: 2.86× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 7 EPS Ana. |
Dec 2027 1 Rev. Ana. 8 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
—
est: 3.11B (-100.0%)
|
2.99B
est: 3.61B (-17.1%)
|
4.03B
est: 4.03B (+0.2%)
|
4.51B
est: 4.47B (+0.8%)
|
4.87B
est: 4.22B (+15.6%)
|
5.85B
5.85B – 5.85B
+38.7% YoY
|
6.30B
6.30B – 6.30B
+7.7% YoY
|
6.84B
6.59B – 7.09B
+8.6% YoY
|
| EBITDA |
—
est: 895.53M (-100.0%)
|
187.40M
est: 1.04B (-82.0%)
|
578.30M
est: 1.22B (-52.6%)
|
713.60M
est: 1.36B (-47.4%)
|
737.20M
est: 1.28B (-42.3%)
|
1.77B
1.77B – 1.77B
+38.7% YoY
|
1.91B
1.91B – 1.91B
+7.7% YoY
|
2.07B
2.00B – 2.15B
+8.6% YoY
|
| EBIT |
—
est: 846.72M (-100.0%)
|
114.40M
est: 982.67M (-88.4%)
|
472.50M
est: 1.14B (-58.4%)
|
588.30M
est: 1.26B (-53.3%)
|
600.70M
est: 1.19B (-49.4%)
|
1.65B
1.65B – 1.65B
+38.7% YoY
|
1.77B
1.77B – 1.77B
+7.7% YoY
|
1.93B
1.86B – 2.00B
+8.6% YoY
|
| Net Income |
—
est: 223.80M (-100.0%)
|
110.90M
est: 225.14M (-50.7%)
|
350.10M
est: 400.04M (-12.5%)
|
430.40M
est: 310.25M (+38.7%)
|
418.20M
est: 418.20M (+0.0%)
|
458.18M
437.26M – 479.09M
+9.6% YoY
|
554.34M
500.16M – 555.60M
+21.0% YoY
|
600.82M
600.82M – 600.82M
+8.4% YoY
|
| SGA |
—
est: 657.38M (-100.0%)
|
15.10M
est: 762.93M (-98.0%)
|
88.10M
est: 878.41M (-90.0%)
|
131.60M
est: 975.31M (-86.5%)
|
167.40M
est: 919.26M (-81.8%)
|
1.28B
1.28B – 1.28B
+38.7% YoY
|
1.37B
1.37B – 1.37B
+7.7% YoY
|
1.49B
1.44B – 1.55B
+8.6% YoY
|
| EPS |
2.03
est: 1.92 (+5.7%)
|
2.19
est: 1.93 (+13.3%)
|
3.04
est: 3.36 (-9.5%)
|
3.75
est: 2.60 (+44.0%)
|
3.57
est: 3.47 (+2.9%)
|
3.85
3.67 – 4.02
+11.0% YoY
|
4.49
4.20 – 4.66
+16.6% YoY
|
5.04
5.04 – 5.04
+12.3% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B+ | 3/5 | 5/5 | 3/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 3/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 3/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 3/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 3/5 | 5/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-01 | B | 3/5 | 5/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-30 | B | 3/5 | 5/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Fidelity Disruptive Finance ETF FDFF | 1.26% | 518.8K | 0.50% |
| 2 | iShares S&P/TSX Completion Index ETF XMD.TO | 0.75% | 4.18M | 0.60% |
| 3 | iShares S&P/TSX Capped Financials Index ETF XFN.TO | 0.41% | 6.73M | 0.61% |
| 4 | iShares ESG Aware MSCI Canada Index ETF XESG.TO | 0.37% | 1.69M | 0.17% |
| 5 | Fidelity All-Canadian Equity ETF FCCA.NE | 0.31% | 442.2K | 0.39% |
| 6 | iShares ESG Advanced MSCI Canada Index ETF XCSR.TO | 0.29% | 1.07M | 0.17% |
| 7 | T. Rowe Price International Equity Research ETF TIER | 0.27% | 92.4K | 0.38% |
| 8 | Fidelity Canadian High Quality ETF FCCQ.TO | 0.27% | 1.86M | 0.39% |
| 9 | Schwab International Small-Cap Equity ETF SCHC | 0.22% | 11.60M | 0.06% |
| 10 | UBS MSCI World Small Cap Socially Responsible UCITS ETF USD dis WSCR.L | 0.21% | 1.70M | 0.23% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Rowan Saunders | Chief Executive Officer, President & Director | 4M | male |
| Fabian Richenberger | Chief Operating Officer | 2M | male |
| Philip Mather | Executive Vice President & Chief Financial Officer | 2M | male |
| Paul MacDonald | Executive Vice President of Personal Insurance & Digital Channels | 1M | male |
| Innes Fraser Dey | Senior Vice President of Corporate Affairs | 1M | male |
| Brigid V. Pelino | Senior Vice President and Chief People & Culture Officer | — | female |
| Thomas Reikman | Senior Vice President & Chief Distribution Officer | — | male |
| Dennis Westfall | Vice-President of Investor Relations | — | male |
| Michael Padfield | Senior Vice President, General Counsel & Secretary | — | — |
| Sarah Attwells | Associate Vice President of Corporate Communication | — | female |
| Tatjana Lalkovic | Senior Vice President & Chief Technology Officer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for DFY.TO
Short-term intention
Target Price Distribution
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