Intact Financial Corporation

IFCZF | OTC

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$180.69

-$0.65 (-0.36%)

Sep 22, 2026, 3:59 PM ET · Market open

Overview Rating Statistics Financials Earnings Ownership Dividends Profile

Market Data

Market Cap $31.98B

Enterprise Value $29.42B

Beta 0.31

Average Volume N/A

Shares Outstanding (Diluted) 178.7M

Shares Change YoY 0.11%

Institutional Ownership N/A

Exchange N/A

ISIN N/A

Price Performance

Price Change 1M -5.4%

Price Change 3M -9.4%

Price Change 6M -0.1%

Price Change YTD -12.8%

Price Change 1Y -5.9%

Price Change 3Y 22.1%

Price Change 5Y 34.5%

1M CAGR (ann.) -8.9%

1Y CAGR (ann.) -4.4%

5Y CAGR (ann.) 7.8%

All-Time CAGR 11.9%

Valuation

PE Ratio 19.94

Forward PE 18.91

PEG Ratio 0.37

Forward PEG 1.30

PS Ratio 2.33

Forward PS 1.70

PB Ratio 2.26

P/FCF Ratio 12.71

P/Adj. FCF Ratio 13.27

P/OCF Ratio 10.70

EV/Sales 1.54

EV/EBIT 9.14

EV/EBITDA 7.38

EV/FCF 8.38

Earnings Yield 5.0%

FCF Yield 7.8%

Adj. FCF Yield 7.5%

Financial Health

Net Cash C$14.76B

Total Debt C$5.43B

Cash & Short-Term Investments C$19.51B

Total Assets C$60.85B

Current Ratio 7.21

Quick Ratio 7.21

Debt / Equity Ratio 0.23

Debt / EBITDA 1.36

Debt / FCF 1.55

OCF / Debt 0.72

Interest Coverage 19.10

Altman Z-Score 1.76

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 42.3%

Operating Profit Margin 48.5%

EBITDA Margin 18.9%

Net Profit Margin 12.0%

FCF Margin 18.3%

Adj. FCF Margin 17.6%

SBC / Revenue 0.5%

SBC Impact (per share) -4.3%

Returns

Return on Assets 5.1%

Return on Equity 15.7%

Return on Invested Capital 5.4%

Return on Capital Employed 7.0%

Return on Tangible Assets 6.1%

Historical Growth (CAGR)

Revenue CAGR 3Y -3.4%

Revenue CAGR 5Y 10.1%

Revenue CAGR 10Y 9.1%

EPS CAGR 3Y -5.8%

EPS CAGR 5Y 19.1%

EPS CAGR 10Y 8.1%

FCF CAGR 3Y 4.9%

FCF CAGR 5Y 16.4%

FCF CAGR 10Y 12.2%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 2, 2026

EPS Estimate (next Q) $2.19

EPS Growth Est (next Q) -4.1%

Revenue Est (next Q) $3.09B

Revenue Growth Est (next Q) -8.9%

Fair Value Estimates

Graham Number $137.67

Graham Upside -24.1%

Lynch Fair Value $173.75

Lynch Upside -4.2%

Price Target $250

Price Target Upside 37.9%

Cash Flow

Operating Cash Flow C$3.9B

Free Cash Flow C$3.51B

Adj. Free Cash Flow C$3.36B

FCF Per Share $20.39

OCF Per Share $23.64

OCF/S Ratio 15.3%

Income Statement

Revenue C$19.15B

Gross Profit C$8.36B

Operating Income C$9.29B

EBITDA C$3.99B

Net Income C$2.42B

EPS (Diluted) $12.68

Revenue / Employee N/A

Profit / Employee N/A

Employees N/A

Dividends

Annual Dividend $4.14

Dividend Yield 2.28%

Payout Ratio 32.7%

FCF Payout Ratio 28.4%

Adj. FCF Payout Ratio 29.6%

Dividend Growth (YoY) 11.4%

Pay Frequency Quarterly

Ex-Dividend Date Sep 14, 2026