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Intact Financial Corporation (IFC.TO)
Toronto, ON, CA
Intact Financial Corporation (IFC), through its network of subsidiaries, stands as a leading provider of property and casualty (P&C) insurance. The company delivers its insurance solutions to individuals and businesses across a wide geographic footprint, including Canada, the United States, the United Kingdom, Ireland, other European countries, and the Middle East. For personal clients, IFC offers a comprehensive suite of insurance products. This encompasses auto coverage for personal vehicles, motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles. Its personal property policies protect homes and their contents from a range of perils like fire, theft, vandalism, and water damage, while also providing personal liability coverage. These offerings extend to tenants, condominium owners, non-owner occupied residences, and seasonal properties, alongside various other personal lines such as pet insurance. In the commercial sector, the corporation develops tailored insurance programs for small and medium-sized businesses. This includes commercial property coverage to safeguard physical business assets, as well as various liability protections such as commercial general, product, professional, and cyber liability endorsements. Furthermore, IFC provides commercial vehicle insurance, addressing needs for commercial autos, fleets, garage operations, light trucks, public vehicles, and the unique requirements of the sharing economy. Beyond these core segments, Intact Financial also specializes in general insurance, sophisticated risk management solutions, and a diverse portfolio of niche insurance products. These specialized coverages cater to distinct groups and industries, including accident and health, technology, ocean and inland marine, public entities, entertainment, financial services, and various institutions. Additional offerings encompass specialty property, surety bonds, tuition reimbursement, management liability, cyber risk, and environmental insurance. Founded in 1809, the company was initially known as ING Canada Inc. It officially adopted the name Intact Financial Corporation in 2009 and is headquartered in Toronto, Canada.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.85% | -1.16% | -2.04% | -5.52% | -11.60% | -12.98% | -13.58% | +23.67% | +54.97% | +178.97% | +760.98% |
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 | 5 | 0 |
| Buy | 4 | 0 |
| Hold | 4 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Property & Casualty: +14.1%+4.4% Q1'26: +14.0% (vs Q1'25)
-
EPS growth Insurance - Property & Casualty: +27.5%+48.5% ★ Q1'26: +11.7% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+17.3% ★ Q1'26: +3.7% (vs Q1'25)
-
EBIT margin Insurance - Property & Casualty: +16.3%+17.4% ★ Q1'26: +13.9% (vs Q1'25)
-
ROIC Insurance - Property & Casualty: +7.9%+49.4% ★ Q1'26: +13.3% (vs Q1'25)
-
Share dilution Insurance - Property & Casualty: +0.4%-0.1% Q1'26: -0.6% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×0.99× ★ Q1'26: 1.04× (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 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 6 Rev. Ana. 7 EPS Ana. |
Dec 2027 8 Rev. Ana. 9 EPS Ana. |
Dec 2028 6 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
4.24B
est: 4.35B (-2.6%)
|
4.77B
est: 4.77B (-0.1%)
|
5.49B
est: 4.89B (+12.3%)
|
7.07B
est: 6.69B (+5.7%)
|
7.45B
est: 7.29B (+2.2%)
|
7.94B
est: 7.25B (+9.5%)
|
8.09B
est: 7.81B (+3.6%)
|
8.51B
est: 8.30B (+2.5%)
|
9.36B
est: 8.82B (+6.2%)
|
10.58B
est: 10.13B (+4.4%)
|
11.35B
est: 10.78B (+5.3%)
|
12.46B
est: 11.88B (+4.9%)
|
17.58B
est: 16.82B (+4.5%)
|
22.54B
est: 20.89B (+7.9%)
|
23.29B
est: 29.55B (-21.2%)
|
24.98B
est: 23.69B (+5.5%)
|
26.07B
est: 25.06B (+4.0%)
|
24.68B
24.34B – 24.88B
-1.5% YoY
|
26.09B
25.59B – 26.70B
+5.7% YoY
|
29.20B
28.71B – 29.66B
+11.9% YoY
|
| EBITDA |
187.20M
est: 166.78M (+12.2%)
|
712.00M
est: 199.22M (+257.4%)
|
688.00M
est: 587.38M (+17.1%)
|
848.00M
est: 897.32M (-5.5%)
|
619.00M
est: 881.87M (-29.8%)
|
1.12B
est: 552.26M (+102.3%)
|
1.05B
est: 1.13B (-7.6%)
|
868.00M
est: 1.03B (-16.1%)
|
1.14B
est: 848.78M (+34.2%)
|
1.15B
est: 1.22B (-5.9%)
|
1.18B
est: 1.09B (+8.2%)
|
1.79B
est: 1.17B (+52.4%)
|
3.18B
est: 1.25B (+155.1%)
|
3.75B
est: 1.29B (+189.4%)
|
2.62B
est: 6.53B (-59.8%)
|
3.83B
est: 5.25B (-27.1%)
|
5.33B
est: 5.54B (-3.8%)
|
5.46B
5.38B – 5.50B
-1.5% YoY
|
5.77B
5.66B – 5.90B
+5.7% YoY
|
6.45B
6.35B – 6.56B
+11.9% YoY
|
| EBIT |
145.40M
est: 128.37M (+13.3%)
|
665.00M
est: 153.41M (+333.5%)
|
635.00M
est: 537.90M (+18.1%)
|
772.00M
est: 813.75M (-5.1%)
|
529.00M
est: 799.13M (-33.8%)
|
1.02B
est: 462.71M (+120.7%)
|
939.00M
est: 1.03B (-9.0%)
|
758.00M
est: 918.53M (-17.5%)
|
1.02B
est: 731.49M (+40.0%)
|
989.00M
est: 1.06B (-6.7%)
|
943.00M
est: 931.81M (+1.2%)
|
1.47B
est: 915.37M (+61.0%)
|
2.72B
est: 972.81M (+179.7%)
|
3.18B
est: 1.01B (+215.3%)
|
2.03B
est: 5.45B (-62.8%)
|
3.10B
est: 4.38B (-29.1%)
|
4.53B
est: 4.62B (-1.9%)
|
4.55B
4.49B – 4.59B
-1.5% YoY
|
4.81B
4.72B – 4.92B
+5.7% YoY
|
5.38B
5.29B – 5.47B
+11.9% YoY
|
| Net Income |
126.70M
est: 132.51M (-4.4%)
|
498.00M
est: 139.17M (+257.8%)
|
465.00M
est: 430.32M (+8.1%)
|
571.00M
est: 637.03M (-10.4%)
|
431.00M
est: 639.08M (-32.6%)
|
782.00M
est: 428.87M (+82.3%)
|
706.00M
est: 842.78M (-16.2%)
|
541.00M
est: 741.12M (-27.0%)
|
792.00M
est: 576.87M (+37.3%)
|
707.00M
est: 890.78M (-20.6%)
|
754.00M
est: 743.56M (+1.4%)
|
1.08B
est: 828.56M (+30.6%)
|
2.07B
est: 880.55M (+134.7%)
|
2.45B
est: 1.25B (+96.3%)
|
1.32B
est: 2.02B (-34.9%)
|
2.30B
est: 2.46B (-6.6%)
|
3.37B
est: 3.35B (+0.5%)
|
3.21B
3.03B – 3.38B
-4.1% YoY
|
3.38B
3.15B – 3.61B
+5.4% YoY
|
3.44B
3.36B – 3.51B
+1.6% YoY
|
| SGA |
1.17B
est: 647.03M (+80.2%)
|
1.27B
est: 58.08M (+2,090.0%)
|
—
est: 43.03M (-100.0%)
|
—
est: 113.43M (-100.0%)
|
—
est: 123.50M (-100.0%)
|
—
est: 122.89M (-100.0%)
|
—
est: 132.35M (-100.0%)
|
—
est: 140.67M (-100.0%)
|
—
est: 149.41M (-100.0%)
|
—
est: 171.61M (-100.0%)
|
—
est: 182.68M (-100.0%)
|
—
est: 201.38M (-100.0%)
|
—
est: 285.02M (-100.0%)
|
622.00M
est: 354.06M (+75.7%)
|
626.00M
est: 691.89M (-9.5%)
|
756.00M
est: 554.72M (+36.3%)
|
843.00M
est: 586.76M (+43.7%)
|
577.95M
569.87M – 582.58M
-1.5% YoY
|
610.94M
599.21M – 625.10M
+5.7% YoY
|
683.57M
672.18M – 694.38M
+11.9% YoY
|
| EPS |
1.06
est: 1.87 (-43.2%)
|
4.32
est: 3.76 (+15.0%)
|
3.96
est: 3.99 (-0.7%)
|
4.20
est: 4.96 (-15.4%)
|
3.10
est: 3.80 (-18.4%)
|
5.79
est: 5.36 (+8.0%)
|
5.20
est: 5.98 (-13.1%)
|
3.97
est: 5.03 (-21.1%)
|
5.75
est: 5.70 (+0.9%)
|
4.79
est: 5.55 (-13.7%)
|
5.08
est: 5.76 (-11.8%)
|
7.20
est: 9.10 (-20.9%)
|
12.40
est: 11.16 (+11.1%)
|
13.63
est: 11.59 (+17.6%)
|
6.99
est: 11.37 (-38.5%)
|
12.38
est: 13.78 (-10.2%)
|
18.39
est: 18.39 (0.0%)
|
17.97
17.00 – 18.96
-2.3% YoY
|
18.88
17.66 – 20.23
+5.0% YoY
|
19.26
18.84 – 19.65
+2.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-07 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-01 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-15 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 2/5 |
Owner Earnings
Ownership Overview
No beneficial ownership filings recorded.
Institutional Activity (13F)
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | CARDINAL CAPITAL MANAGEMENT, INC. | 534.7K +23.7K (+4.6%) | 152.77M +53.3M (+53.6%) | 0.30% +0.014 pp | 3.43% +0.557 pp | CAD264.17 +8.2% | 7 qtrs — |
| 2 | MN SERVICES VERMOGENSBEHEER B.V. | 68.7K -311.0 (-0.5%) | 14.31M +890.0K (+6.6%) | 0.04% 0.000 pp | 0.09% +0.001 pp | CAD179.60 +59.1% | 19 qtrs — |
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 |
|---|---|---|---|
| Charles Joseph Gaston Brindamour | Chief Executive Officer & Director | 6M | male |
| Emmanuel Jacques Clarke de Dromantin | Chief Executive Officer of Global Specialty Lines | 3M | male |
| Kenneth Norgrove | Chief Executive Officer of Intact Insurance, UK & International | 3M | male |
| Louis Gagnon | Chief Executive Officer of Canada | 3M | — |
| Kenneth Anderson | Executive Vice President & Chief Financial Officer | 2M | male |
| Imen Zitouni | Senior Vice President & Chief Marketing Officer | — | female |
| Isabelle Girard | Senior Vice President and Chief Digital & Data Officer | — | female |
| Karim Shamshudin Hirji | Executive VP & CFO of UK & International | — | male |
| Patrick Barbeau | Chief Operating Officer | — | male |
| Anne Fortin | President of Intact Insurance | — | female |
| Werner Muehlemann | Executive Vice President & MD of Intact Investment Management Inc. | — | male |
| Carla Smith | Executive Vice President and Chief People & Communications 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 IFC.TO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
