INTACT FINANCIAL CORPORATIONII

INTACT FINANCIAL CORPORATION

302.80CADD
−0.68−0.22%
At close at May 23, 20:00 GMT
CAD
No trades
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IFC fundamentals

Key facts

Market capitalization‪54.00 B‬CAD
Founded1809
Employees (FY)‪31 K‬
CEOCharles J. G. Brindamour
About

Intact Financial Corp. engages in the provision of property and casualty insurance in Canada and specialty insurance in North America. It operates through the following segments: Canada, United Kingdom and International, United States, and Corporate and Other. The Canada segment consists of automobile, home, and business insurance contracts to individuals and businesses in Canada distributed through a wide network of brokers and directly to consumers. The United Kingdom and International segment is involved in the automobile, home, pet, and business insurance contracts to businesses in the UK, Europe, and Ireland as well as internationally through the company’s global network. The United States segment focuses on specialty contracts mainly to medium-sized businesses in the United States. The Corporate and Other segment refers to investment management, treasury and capital management activities, corporate reinsurance, certain internal agreements, as well as other corporate activities. The company was founded 1809 and is headquartered in Toronto, Canada.

Ownership
‪‪178.34 M‬‬
Free Float shares
‪‪177.53 M‬‬ (99.54%)
Closely held shares
‪‪817.52 K‬‬ (0.46%)
Free Float shares
‪‪177.53 M‬‬ (99.54%)
Closely held shares
‪‪817.52 K‬‬ (0.46%)
Capital structure
Market cap
‪‪54.00 B‬‬
Debt
‪‪5.48 B‬‬
Preferred stock
‪‪1.62 B‬‬
Enterprise value
‪‪61.11 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪54.00 B‬‬
Price to earning ratio (P/E)
24.53x
Price to sales ratio (P/S)
1.88x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
24.53x
Price to sales ratio (P/S)
1.88x
Valuation ratios
‪0.00‬
‪0.50‬
‪1.00‬
‪1.50‬
‪2.00‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪7.00‬
‪14.00‬
‪21.00‬
‪28.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪2.5%‬
‪4.6%‬
‪6.7%‬
‪8.8%‬
‪10.9%‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪2.00 B‬‬
‪‪4.00 B‬‬
‪‪6.00 B‬‬
‪‪8.00 B‬‬
Revenue
Net income
Net margin %
Revenue to profit conversion
Revenue
Total operating expenses
Op income
Non-operating income
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪2.00 B‬‬
‪‪4.00 B‬‬
‪‪6.00 B‬‬
‪‪8.00 B‬‬
Revenue
Total operating expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪2.00 B‬‬
‪‪4.00 B‬‬
‪‪6.00 B‬‬
‪‪8.00 B‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Canada Insurance
United Kingdom & International Insurance
United States Insurance
Corporate
By country
Period: 2024
Canada
United Kingdom & International
United States

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪0.00‬
‪‪1.70 B‬‬
‪‪3.40 B‬‬
‪‪5.10 B‬‬
‪‪6.80 B‬‬
Actual
Estimate
Earnings
Next:Jul 29, 2025
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪−1.70‬
‪0.00‬
‪1.70‬
‪3.40‬
‪5.10‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
40.03%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
1.64%
Next payment
1.33
Next ex-date
Jun 16, 2025
Next pay date
Jun 30, 2025
Dividend history
‪1.5%‬
‪1.7%‬
‪1.9%‬
‪2.1%‬
‪2.3%‬
2020
2021
2022
2023
2024
‪0.00‬
‪1.30‬
‪2.60‬
‪3.90‬
‪5.20‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Insurance reserves, claims and premiums
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪1.70 B‬‬
‪‪3.40 B‬‬
‪‪5.10 B‬‬
‪‪6.80 B‬‬
Insurance reserves
Policy claims
Premium earned
Capital allocation analysis
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
Reserve to total capital
Unearned premium to total capital