Intact Financial Financials

IFC Stock  CAD 247.37  4.37  1.74%   
We strongly advise to harness Intact Financial fundamental analysis to see if markets are presently undervaluing or overvaluing the company. Simply put, you can make use of it to find out if Intact Financial is indeed mispriced or if you can make any profits on it by purchasing it and then waiting for the market to recognize its mistake and reprise the security. We were able to break down thirty-seven available reported financial drivers for Intact Financial, which can be compared to its competitors. The stock experiences a somewhat bearish sentiment, but the market may correct it shortly. Check odds of Intact Financial to be traded at C$239.95 in 90 days.
 
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Interest Hikes

Intact Financial Balance Sheet Chart

At this time, Intact Financial's Cash And Short Term Investments are very stable compared to the past year. As of the 29th of January 2026, Good Will is likely to grow to about 5.4 B, while Other Current Liabilities is likely to drop about 425.8 M.
Key indicators impacting Intact Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.09860.11
Moderately Down
Slightly volatile
Return On Assets0.0380.0444
Fairly Down
Slightly volatile
Return On Equity0.140.15
Significantly Down
Pretty Stable
Debt Equity Ratio0.210.27
Significantly Down
Very volatile
Operating Income3.5 B3.3 B
Sufficiently Up
Slightly volatile
Current Ratio10.119.63
Sufficiently Up
Slightly volatile
  
Understanding current and past Intact Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Intact Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Intact Financial's assets may result in an increase in income on the income statement.

Intact Financial Stock Summary

Intact Financial competes with Fairfax Financial, Sun Life, Great West, Toronto Dominion, and Power. Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada and the United States. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada. INTACT FINANCIAL operates under InsuranceProperty Casualty classification in Canada and is traded on Toronto Stock Exchange. It employs 16000 people.
Foreign Associate
  USA
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentCanada Stock View All
ExchangeToronto Exchange
ISINCA45823T1066
Business Address700 University Avenue,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.intactfc.com
Phone866 941 5094
CurrencyCAD - Canadian Dollar
You should never invest in Intact Financial without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Intact Stock, because this is throwing your money away. Analyzing the key information contained in Intact Financial's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Intact Financial Key Financial Ratios

Intact Financial's financial ratios allow both analysts and investors to convert raw data from Intact Financial's financial statements into concise, actionable information that can be used to evaluate the performance of Intact Financial over time and compare it to other companies across industries.

Intact Financial Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets66.3B53.7B56.0B59.5B68.5B71.9B
Other Current Liab(980M)(893M)535M498M448.2M425.8M
Net Debt4.0B4.3B4.6B4.6B5.3B5.5B
Retained Earnings6.2B7.8B6.5B7.9B9.1B9.6B
Accounts Payable2.1B728M151M768M883.2M460.4M
Cash2.3B1.0B1.2B894M1.0B1.1B
Other Assets(2.0B)(32.9B)7.0B1.1B974.7M926.0M
Net Receivables195M947M610M712M818.8M777.9M
Good Will3.1B3.4B4.1B4.5B5.2B5.4B
Total Liab38.2B37.6B39.5B41.4B47.6B50.0B
Total Current Assets4.3B33.9B18.8B19.9B22.8B24.0B
Common Stock7.6B7.5B8.1B8.1B9.3B9.8B
Intangible Assets4.6B4.7B5.0B5.1B5.8B6.1B
Other Current Assets11.5B9.1B195M242M278.3M264.4M
Short Term Debt439M137M1.1B448M403.2M478.7M
Other Liab9.6B10.1B17.9B17.4B20.0B21.0B
Net Tangible Assets2.6B3.1B6.8B6.0B6.9B3.7B
Long Term Debt4.8B4.4B5.1B4.4B5.0B3.0B
Short Long Term Debt439M137M384M448M403.2M447M
Long Term Debt Total2.9B4.9B4.9B5.0B5.8B3.3B
Capital Surpluse187M211M269M298M342.7M202.9M
Inventory(5.4B)(11.5B)(2.0B)(2.0B)(1.8B)(1.9B)
Cash And Equivalents73M1.4B410M264M303.6M423.0M

Intact Financial Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense115M153M177M222M255.3M268.1M
Total Revenue17.6B22.5B23.3B25.0B28.7B30.2B
Gross Profit8.6B3.7B3.0B4.0B4.6B3.9B
Operating Income2.6B3.0B1.8B2.9B3.3B3.5B
Ebit2.7B3.2B2.0B3.1B3.6B3.7B
Ebitda3.2B3.7B2.6B3.8B4.4B4.6B
Income Before Tax2.6B3.0B1.8B2.9B3.3B3.5B
Net Income2.1B2.5B1.3B2.3B2.6B2.8B
Income Tax Expense480M557M473M568M653.2M685.9M
Cost Of Revenue9.0B18.9B20.3B21.0B24.1B25.3B
Tax Provision480M522M473M568M653.2M335.1M
Net Interest Income(115M)(153M)(177M)(222M)(199.8M)(209.8M)
Interest Income723M30M1.4B735M845.3M618.1M
Minority Interest(21M)4M(15M)(13M)(11.7M)(12.3M)

Intact Financial Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash1.4B(1.3B)161M(174M)(200.1M)(190.1M)
Free Cash Flow2.8B3.3B1.4B3.0B3.4B3.6B
Depreciation461M563M597M726M834.9M876.6M
Other Non Cash Items(1.1B)(297M)(389M)(1.3B)(1.1B)(1.1B)
Capital Expenditures327M411M458M429M493.4M518.0M
Net Income2.6B2.9B1.8B2.9B3.3B3.5B
End Period Cash Flow2.3B1.0B1.2B997M1.1B1.2B
Dividends Paid(679M)(762M)(862M)(953M)(857.7M)(814.8M)
Investments(1.8B)(2.7B)(2.0B)(1.6B)(1.5B)(1.5B)
Net Borrowings728M(855M)479M(568M)(511.2M)(485.6M)
Change To Netincome(15M)(188M)(552M)473M544.0M571.1M

Intact Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Intact Financial's current stock value. Our valuation model uses many indicators to compare Intact Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Intact Financial competition to find correlations between indicators driving Intact Financial's intrinsic value. More Info.
Intact Financial is rated second overall in return on equity category among its peers. It also is rated second overall in return on asset category among its peers reporting about  0.28  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Intact Financial is roughly  3.58 . At this time, Intact Financial's Return On Equity is very stable compared to the past year. Comparative valuation analysis is a catch-all model that can be used if you cannot value Intact Financial by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Intact Financial's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued.

Intact Financial Total Assets Over Time

Most indicators from Intact Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Intact Financial current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Intact Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in inflation.
As of the 29th of January 2026, Enterprise Value is likely to grow to about 29 B, while Selling General Administrative is likely to drop about 771.6 M.
 2023 2024 2025 2026 (projected)
Gross Profit3.0B4.0B4.6B3.9B
Total Revenue23.3B25.0B28.7B30.2B

Intact Financial fundamental ratios Correlations

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-0.73-0.740.260.22-0.71-0.74-0.65-0.65-0.63-0.60.040.33-0.74-0.58-0.19-0.57-0.77-0.03-0.7-0.64-0.79-0.41-0.72-0.3-0.71
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Click cells to compare fundamentals

Intact Financial Account Relationship Matchups

Intact Financial fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets66.3B53.7B56.0B59.5B68.5B71.9B
Other Current Liab(980M)(893M)535M498M448.2M425.8M
Net Debt4.0B4.3B4.6B4.6B5.3B5.5B
Retained Earnings6.2B7.8B6.5B7.9B9.1B9.6B
Accounts Payable2.1B728M151M768M883.2M460.4M
Cash2.3B1.0B1.2B894M1.0B1.1B
Other Assets(2.0B)(32.9B)7.0B1.1B974.7M926.0M
Net Receivables195M947M610M712M818.8M777.9M
Good Will3.1B3.4B4.1B4.5B5.2B5.4B
Total Liab38.2B37.6B39.5B41.4B47.6B50.0B
Total Current Assets4.3B33.9B18.8B19.9B22.8B24.0B
Common Stock7.6B7.5B8.1B8.1B9.3B9.8B
Intangible Assets4.6B4.7B5.0B5.1B5.8B6.1B
Other Current Assets11.5B9.1B195M242M278.3M264.4M
Short Term Debt439M137M1.1B448M403.2M478.7M
Other Liab9.6B10.1B17.9B17.4B20.0B21.0B
Net Tangible Assets2.6B3.1B6.8B6.0B6.9B3.7B
Long Term Debt4.8B4.4B5.1B4.4B5.0B3.0B
Short Long Term Debt439M137M384M448M403.2M447M
Long Term Debt Total2.9B4.9B4.9B5.0B5.8B3.3B
Capital Surpluse187M211M269M298M342.7M202.9M
Inventory(5.4B)(11.5B)(2.0B)(2.0B)(1.8B)(1.9B)
Cash And Equivalents73M1.4B410M264M303.6M423.0M
Today, most investors in Intact Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Intact Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Intact Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.29

At this time, Intact Financial's Price Earnings To Growth Ratio is very stable compared to the past year.

Intact Financial January 29, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Intact Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Intact Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Intact Financial based on widely used predictive technical indicators. In general, we focus on analyzing Intact Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Intact Financial's daily price indicators and compare them against related drivers.

Other Information on Investing in Intact Stock

Intact Financial financial ratios help investors to determine whether Intact Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Intact with respect to the benefits of owning Intact Financial security.