Intact Financial (IFC.PRM) Stock Overview

Through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. More details

IFC.PRM fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	5/6

Rewards

Trading at 41.3% below our estimate of its fair value

Earnings grew by 44.4% over the past year

Pays a reliable dividend of 1.89%

Risk Analysis

Shares are highly illiquid

Earnings are forecast to decline by an average of 3.3% per year for the next 3 years

IFC.PRM Community Fair Values

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Intact Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for Intact Financial
Historical stock prices
Current Share Price	CA$24.90
52 Week High	CA$25.11
52 Week Low	CA$24.90
Beta	0.24
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-0.48%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	IFC.PRM	CA Insurance	CA Market
7D	n/a	2.8%	1.7%
1Y	n/a	14.2%	19.1%

Return vs Industry: Insufficient data to determine how IFC.PRM performed against the Canadian Insurance industry.

Return vs Market: Insufficient data to determine how IFC.PRM performed against the Canadian Market.

Price Volatility

Is IFC.PRM's price volatile compared to industry and market?
IFC.PRM volatility
IFC.PRM Average Weekly Movement	n/a
Insurance Industry Average Movement	2.8%
Market Average Movement	10.0%
10% most volatile stocks in CA Market	20.1%
10% least volatile stocks in CA Market	3.1%

Stable Share Price: IFC.PRM's share price has been volatile over the past 3 months compared to the Canadian market.

Volatility Over Time: Insufficient data to determine IFC.PRM's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1809	31,000	Charles Joseph Brindamour	www.intactfc.com

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. The company offers insurance, such as personal auto that provides coverage from accidents, third-party liability, and physical damage; personal property which provides protection for homes and contents from risks, including fire, theft, vandalism, water damages, other damages, and personal liability; and commercial line and specialty line insurance which provides commercial auto, property, and liability coverages. It also provides pet and business insurance, as well as provides risk management solutions.

Intact Financial Corporation Fundamentals Summary

How do Intact Financial's earnings and revenue compare to its market cap?
IFC.PRM fundamental statistics
Market cap	CA$50.50b
Earnings (TTM)	CA$2.98b
Revenue (TTM)	CA$25.53b

16.8x

P/E Ratio

2.0x

P/S Ratio

Is IFC.PRM overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
IFC.PRM income statement (TTM)
Revenue	CA$25.53b
Cost of Revenue	CA$20.79b
Gross Profit	CA$4.74b
Other Expenses	CA$1.76b
Earnings	CA$2.98b

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	16.78
Gross Margin	18.56%
Net Profit Margin	11.68%
Debt/Equity Ratio	23.9%

How did IFC.PRM perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

31%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/11/13 05:22
End of Day Share Price	2025/11/13 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Intact Financial Corporation is covered by 23 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
David Donovan	Accountability Research Corporation
Taylor Scott	Barclays
John Aiken	Barclays