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IFC

TOR:IFC · CA45823T1066
InsuranceLarge

360

38
EV / EBIT10
Price / Owner Earnings21
Owner Earnings Yield35
Dividend Yield71
Price/Sales24
EV / Gross Profit10
Price/Book22
Returns on capital41
Profit margins65
Cash Conversion46
Accruals68
Owner Earnings Margin69
Sales growth56
Profit Growth86
Long-Term EPS Growth50
Owner Earnings Growth82
Reinvestment89
Price momentum33
Debt load52
Debt serviceability33
Liquidity67
Analyst ratings68
Opinion Changes50
Price Target Upside52
Market mood65
Value Creation18/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

IFC generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryCanada
IndustryInsurance
SizeLarge
TypePublic Company
ExchangeTSX
Employees13,194
Websiteintactfc.com
ISINCA45823T1066
Last UpdateApr 2, 2026
Indices
TSX Composite (Canada)
Themes
Auto InsuranceInsuranceProperty Insurance

Description

Intact Financial Corporation is the largest provider of Property and Casualty (P&C) insurance in Canada, as well as a leading specialty lines insurer with international expertise. The company operates primarily in three segments: Canada, the U.K. an…

Analysis

Hope premium

Intact Financial Corporation carries what we call a hope premium: an average business trading at an ambitious price.

The price is attractive. You pay 13.4× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is stretched. The company scores 18/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
59
2023202420252026

All-time high

94

Jan 2026

All-time low

6

Feb 2026

Average rank

75

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
24
25
35
48
Price/Earnings
22
35
44
48
Price/Book
22
29
41
28
Dividend Yield
71
58
64
61
Value (overall)
22
31
46
53

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →