Intact Financial (IFC) 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
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 4/6 |
| Dividends | 5/6 |
IFC Community Fair Values
Create NarrativeSee what 51 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Intact Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | CA$261.74 |
| 52 Week High | CA$317.35 |
| 52 Week Low | CA$242.87 |
| Beta | 0.29 |
| 1 Month Change | 3.83% |
| 3 Month Change | 5.58% |
| 1 Year Change | -13.97% |
| 3 Year Change | 30.18% |
| 5 Year Change | 58.96% |
| Change since IPO | 806.30% |
Recent News & Updates
IFC: Underwriting Strength And Margin Durability Will Support Future Share Price Upside
Narrative Update on Intact Financial Analysts nudged their CA$ price targets on Intact Financial higher by a few dollars, supported by updated models that fine tune assumptions for fair value, revenue growth, profit margins and future P/E multiples. Analyst Commentary Recent Street research on Intact Financial focuses on refreshed price targets and how the company might stack up within the broader property and casualty peer group, especially after the latest Q4 reporting season for the sector.IFC: Underwriting Quality And Margin Durability Will Support Future Share Price Resilience
Narrative Update on Intact Financial Analysts have nudged their price targets on Intact Financial slightly higher, with recent moves such as the CA$3, CA$8 and CA$2 target increases tied to expectations for steadier underwriting quality and margin resilience. These factors are reflected in only minor shifts to modeled fair value, profit margin and future P/E assumptions.IFC: Underwriting Differentiation And Margin Durability Will Drive Future Outperformance
Narrative Update: Intact Financial Analyst Price Target Shift Analysts have nudged their price targets on Intact Financial higher by CA$2 to CA$8, citing expectations that insurers with more differentiated underwriting and resilient margins could be better positioned even as sector pricing stays weak and AI related headwinds persist. Analyst Commentary Recent research on insurers in the property and casualty group has focused on how underwriting quality and margin resilience could influence valuations, including for Intact Financial.IFC: Underwriting Differentiation And Margin Durability Will Support Future Returns
Analysts have raised their price targets for Intact Financial by CA$8 and CA$2 in recent research, citing underwriting differentiation and margin durability as key factors supporting their updated views. Analyst Commentary Recent research on Intact Financial has focused on how the company is positioned within the broader property and casualty insurance group, especially around underwriting quality and earnings durability.Recent updates
IFC: Underwriting Strength And Margin Durability Will Support Future Share Price Upside
Narrative Update on Intact Financial Analysts nudged their CA$ price targets on Intact Financial higher by a few dollars, supported by updated models that fine tune assumptions for fair value, revenue growth, profit margins and future P/E multiples. Analyst Commentary Recent Street research on Intact Financial focuses on refreshed price targets and how the company might stack up within the broader property and casualty peer group, especially after the latest Q4 reporting season for the sector.IFC: Underwriting Quality And Margin Durability Will Support Future Share Price Resilience
Narrative Update on Intact Financial Analysts have nudged their price targets on Intact Financial slightly higher, with recent moves such as the CA$3, CA$8 and CA$2 target increases tied to expectations for steadier underwriting quality and margin resilience. These factors are reflected in only minor shifts to modeled fair value, profit margin and future P/E assumptions.IFC: Underwriting Differentiation And Margin Durability Will Drive Future Outperformance
Narrative Update: Intact Financial Analyst Price Target Shift Analysts have nudged their price targets on Intact Financial higher by CA$2 to CA$8, citing expectations that insurers with more differentiated underwriting and resilient margins could be better positioned even as sector pricing stays weak and AI related headwinds persist. Analyst Commentary Recent research on insurers in the property and casualty group has focused on how underwriting quality and margin resilience could influence valuations, including for Intact Financial.IFC: Underwriting Differentiation And Margin Durability Will Support Future Returns
Analysts have raised their price targets for Intact Financial by CA$8 and CA$2 in recent research, citing underwriting differentiation and margin durability as key factors supporting their updated views. Analyst Commentary Recent research on Intact Financial has focused on how the company is positioned within the broader property and casualty insurance group, especially around underwriting quality and earnings durability.IFC: Differentiated Underwriting And Margin Durability Will Support Future Upside
Narrative Update on Intact Financial Analysts have trimmed their fair value estimate for Intact Financial by about CA$6 to CA$313. This reflects updated views on revenue trajectories, a slightly higher profit margin profile, and a lower assumed future P/E multiple in light of recent sector research on underwriting quality and pricing pressure.IFC: Updated P/E Outlook Will Support Perceived Undervalued Upside
Analysts nudged their price targets on Intact Financial slightly higher, lifting them by about C$2 as they factor in updated fair value estimates, modest adjustments to revenue growth and profit margin assumptions, and a revised future P/E outlook. Analyst Commentary Bullish Takeaways Bullish analysts see the C$2 price target increase as a reflection of slightly higher fair value estimates after updating their models.IFC: Q3 Earnings Beat And Buybacks Will Support Undervalued Upside
Analysts have nudged their view higher on Intact Financial, with the consensus price target moving up by C$6 to C$318. They cited the recent Q3 earnings beat as support for slightly stronger revenue growth, revised profit margin assumptions, and a marginally lower discount rate and forward P/E in their models.IFC: Q3 Earnings Beat And Buybacks Will Support Premium Multiple
Narrative Update Analysts have made only fine tuned adjustments to their assumptions on Intact Financial, with recent price target changes ranging between C$318 and C$358 as they respond to the Q3 earnings beat and updated outlooks on the shares. Analyst Commentary Recent research on Intact Financial points to only modest shifts in valuation, with price targets now clustered between C$318 and C$358 following the Q3 earnings update.IFC: Q3 Earnings Beat Will Sustain Premium Multiple Amid Sector Headwinds
Intact Financial's analyst price target has edged higher to about C$320, as analysts cite the recent Q3 earnings beat and resilient property and casualty fundamentals in reaffirming their outlook on the shares. Analyst Commentary Street research remains broadly constructive on Intact Financial, with recent target changes reflecting confidence in the company’s earnings power and underwriting execution, even as some analysts trim expectations to reflect a more normalized growth backdrop.Here's Why We Think Intact Financial (TSE:IFC) Might Deserve Your Attention Today
Dec 10
IFC: Future Earnings Strength Will Support Premium Multiple Despite Sector Headwinds
Analysts have nudged their average price target for Intact Financial slightly higher to about C$320, reflecting ongoing optimism after the Q3 earnings beat and reaffirmed Outperform and Overweight ratings, despite some mixed target revisions around the C$318 to C$358 range. Analyst Commentary Recent Street research on Intact Financial underscores a broadly constructive stance, with most updates reflecting greater confidence in the company’s earnings power and capital deployment, even as some analysts trim back their assumptions to reflect a more normalized operating environment.IFC: Future Earnings Strength Will Support Premium Valuation Amid Sector Challenges
Intact Financial's analyst price target has inched higher to C$319.92 from C$319.62, as analysts cite the company's recent Q3 earnings performance and improved top-line growth prospects, which are supporting a modestly stronger outlook. Analyst Commentary Analyst sentiment on Intact Financial has shifted in response to recent quarterly results, with both upward and downward revisions to target prices.IFC: Disciplined Underwriting Will Drive Outperformance Despite Sector Headwinds
Intact Financial's analyst price target has decreased modestly by approximately C$7 as analysts weigh improved profit margins against ongoing revenue growth challenges and adjust valuations following recent earnings and sector updates. Analyst Commentary Recent updates from research analysts reflect a mix of optimism and caution regarding Intact Financial's outlook and valuation following its Q3 earnings report and ongoing sector trends.Analyst Commentary Reflects Divided Outlook on Intact Financial Amid Sector Challenges and Valuation Stability
Analysts have recently reduced their price targets for Intact Financial, with Scotiabank notably lowering its target by C$21 to C$318. The bank cited ongoing sector headwinds and cautious sentiment around growth opportunities as reasons for the adjustment.AI Underwriting And Global Expansion Will Strengthen Future Resilience
Intact Financial's analyst price target saw a slight decrease of C$1.64. Analysts cited modest adjustments to fair value estimates and ongoing sector headwinds as the rationale behind the revision.Intact Financial Corporation's (TSE:IFC) Business Is Yet to Catch Up With Its Share Price
Aug 26
Harnessing AI And Decisive Acquisitions To Propel Canadian Insurer's Growth And Efficiency
Intact Financial expects premium growth and profitability from hard market conditions and Direct Line acquisition, leveraging AI, digital tech, and enhanced distribution.Shareholder Returns
| IFC | CA Insurance | CA Market | |
|---|---|---|---|
| 7D | 1.1% | 0.4% | 0.3% |
| 1Y | -14.0% | 19.1% | 36.6% |
Return vs Industry: IFC underperformed the Canadian Insurance industry which returned 17.5% over the past year.
Return vs Market: IFC underperformed the Canadian Market which returned 33.8% over the past year.
Price Volatility
| IFC volatility | |
|---|---|
| IFC Average Weekly Movement | 3.0% |
| Insurance Industry Average Movement | 3.3% |
| Market Average Movement | 10.6% |
| 10% most volatile stocks in CA Market | 18.3% |
| 10% least volatile stocks in CA Market | 4.0% |
Stable Share Price: IFC has not had significant price volatility in the past 3 months compared to the Canadian market.
Volatility Over Time: IFC's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1809 | 32,000 | 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. It 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 belongings from risks, including fire, theft, vandalism, water damages, other damages, and personal liability; and commercial line and specialty line insurance, including commercial auto, property, and liability coverages. The company also provides business insurance.
Intact Financial Corporation Fundamentals Summary
| IFC fundamental statistics | |
|---|---|
| Market cap | CA$46.00b |
| Earnings (TTM) | CA$3.28b |
| Revenue (TTM) | CA$26.07b |
14.1x
P/E Ratio1.8x
P/S RatioIs IFC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| IFC income statement (TTM) | |
|---|---|
| Revenue | CA$26.07b |
| Cost of Revenue | CA$21.18b |
| Gross Profit | CA$4.89b |
| Other Expenses | CA$1.61b |
| Earnings | CA$3.28b |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
May 05, 2026
| Earnings per share (EPS) | 18.50 |
| Gross Margin | 18.75% |
| Net Profit Margin | 12.56% |
| Debt/Equity Ratio | 22.0% |
How did IFC perform over the long term?
See historical performance and comparisonDividends
2.0%
Current Dividend Yield29%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/30 13:13 |
| End of Day Share Price | 2026/04/30 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
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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 |
| Lemar Persaud | ATB Cormark Historical (Cormark Securities) |
| John Aiken | Barclays |