Intact Financial Stock Today
| IFC Stock | CAD 250.00 -4.35 -1.71% |
Performance Weak
| Odds Of Distress Low
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As of March 12, 2026, Intact Financial is priced at $250.00, reflecting 1.71% down today after opening at $254.35. Current risk models assign Intact Financial a 10% probability of financial distress, reflecting a relatively small probability within its capital structure. Risk-adjusted return data over the last 90 trading days classifies Intact Financial as weak in terms of performance. The performance scores are calculated from December 12, 2025 through March 12, 2026. Learn more.
Asset Type Stock | Category Financial Services | Classification Financials |
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Intact Stock Highlights
Intact Financial (IFC) is listed on Toronto Exchange in Canada. Intact Financial operates in the Property & Casualty Insurance space. The company is classified under the Insurance sector. Intact Financial carries a large-cap market capitalization of 44.39 B when compared with property & casualty insurance companies. Associated fundamentals relevant to market cap include a workforce of about 32,000 people, about 177.56 M shares outstanding, and enterprise value near 50.31 B. The company has 1.12 M shares sold short (2.07 days to cover). Intact Financial has accumulated CAD5.25 B in total debt with debt to equity ratio (D/E) of 0.27, which may suggest Intact Financial is not taking enough advantage from borrowing. Intact Financial financial risk analysis Ownership Allocation About 30% of Intact Financial outstanding shares are owned by institutions. Institutional investors - such as mutual funds, pension funds, and asset managers - typically hold positions as part of a broader portfolio strategy, managing assets on behalf of clients. As a result, institutional investors are subject to reporting requirements and oversight rules - such as 13F filings - that differ from those for individual retail investors. Changes in institutional ownership of Intact Financial can sometimes signal a shift in professional sentiment toward the company. Institutions account for approximately 45% of Intact Financial's shares, with the remaining 55% held by retail investors. Check Intact Ownership DetailsInvestment highlights for Intact Financial are designed to surface the signals most likely to affect valuation, volatility, and portfolio fit. Current market capitalization is about 44.39 Billion.
ESG SustainabilityAs a public company listed on the Toronto Exchange, Intact Financial draws investor attention across its key financial metrics. Intact Financial reports developing ESG indicators relative to peers in Property & Casualty Insurance. ESG transparency may influence valuation stability and stakeholder confidence over time. Recent ESG-related events may affect perception of governance discipline and risk oversight.
Environment Score | Governance Score | Social Score |
Notable Updates
| CEO International | Kenneth Norgrove | ||
| Chief Executive Officer, Director | Charles Brindamour | ||
| Independent Chairman of the Board | Claude Dussault | ||
| Senior Vice President - Western Canada | Luisa Currie | ||
| President | Werner Muehlemann | ||
| Senior Vice President and Chief Internal Auditor | Sonya Cote | ||
| Business Concentration | Property & Casualty Insurance, Insurance - Property & Casualty, Financial Services, Financials, Insurance, Insurance—Property & Casualty, Financial Services (View all Sectors) | ||
The financial strength profile of Intact Financial matters because profitability alone is not enough if the company cannot fund operations, service debt, and absorb operating shocks. The business is commonly classified in the Financial Services sector and the Insurance—Property & Casualty industry. | |||
Debt LevelsIntact Financial (IFC.TO) recorded $0.69 in Net Debt To EBITDA, a Debt To Equity of 0.21x, and $3.1 billion in Long Term Debt. a Long Term Debt To Capitalization of 15.0% and $3.5 billion in Long Term Debt Total round out the capital structure view for Intact Financial. Current AssetsIntact Financial (IFC.TO) recorded $0.16 in Intangibles To Total Assets, $66.0 billion in Total Assets, and a Return On Assets of 3.9%. a Return On Tangible Assets of 4.3% round out the key financial metrics view for Intact Financial.
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Intact Financial Historical Income Statement
Recent filings indicate that EBITDA continues growing. The preceding year’s EBITDA stood at 5.33 Billion. As of 03/12/2026, Total Operating Expenses is forecasted to advance to approximately 2.7 B this year, whereas Selling General Administrative is moving lower toward about 785.8 M. View More FundamentalsIntact Financial Against Markets
Intact Stock Analysis Notes
About 45.0% of the company shares are owned by institutional investors. The book value of Intact Financial was currently reported as 109.03. The company has Price/Earnings To Growth (PEG) ratio of 0.49. Intact Financial recorded earning per share (EPS) of 18.03. The company last dividend was issued on the 17th of March 2026. The firm completed a 3:2 stock split on 22nd of February 2005. Intact Financial (IFC.TO) recorded $0.16 in Intangibles To Total Assets, $62.9 billion in Total Assets, and a Return On Assets of 3.9%.Retained Earnings | 10.83 Billion |
Investor Notes and Alerts
| Intact Financial generated a negative expected return over the last 90 days | |
| Intact Financial has accumulated CAD5.25 B in total debt with debt to equity ratio (D/E) of 0.27, which may suggest Intact Financial is not taking enough advantage from borrowing. Intact Financial has a current ratio of 0.31, indicating that it has a negative working capital and may not be able to pay financial obligations in time and when they become due. Debt can assist Intact Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Intact Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Intact Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Intact to invest in growth at high rates of return. When we think about Intact Financial's use of debt, we should always consider it together with cash and equity. | |
| Latest headline from news.google.com: Intact Financial Eyes SP 60 TSX Indices - Kalkine Media |
Intact Largest EPS Surprises
On Intact Financial, EPS surprise size and direction can reshape short-term return distribution. Consensus estimates aggregate analyst revisions and guidance updates. For this stock, read EPS surprises with profitability quality and forward revisions.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2013-11-06 | 2013-09-30 | 0.32 | 0.39 | 0.07 | 21 | ||
2009-11-11 | 2009-09-30 | 0.09 | 0.18 | 0.09 | 100 | ||
2007-05-15 | 2007-03-31 | 0.89 | 0.8 | -0.09 | 10 |
Intact Market Capitalization
Intact Financial carries a large-cap market capitalization of 44.39 B when compared with property & casualty insurance companies. Associated fundamentals relevant to market cap include a workforce of about 32,000 people, about 177.56 M shares outstanding, and enterprise value near 50.31 B.Intact Profitability
Profitability analysis for Intact Financial should focus on how efficiently revenue converts into operating income, net income, and ultimately free cash flow that can be reinvested or returned to shareholders. Annual revenue is about 26.07 Billion. Investors should compare gross, operating, and net margins rather than relying on one headline figure.
The company has Profit Margin (PM) of 13.0 %, which may suggest a favorable competitive position supporting above-average margins. This is above the industry benchmark. Similarly, it shows Operating Margin (OM) of 20.0 %, which indicates that it operates with efficiency that yields $20.0 per $100 of sales. | Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.06 | 0.04 | |
| Return On Capital Employed | 0.07 | 0.08 | |
| Return On Assets | 0.05 | 0.04 | |
| Return On Equity | 0.16 | 0.14 |
Management Efficiency
The company has return on total asset (ROA) of 4.92 % which indicates that it produced a $4.92 return on every $100 of assets. This is in line with the broader industry. Similarly, it shows a return on equity (ROE) of 17.26 %, which indicates that it earned $17.26 per $100 of shareholder equity.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 116.99 | 122.84 | |
| Tangible Book Value Per Share | 62.02 | 65.12 | |
| Enterprise Value Over EBITDA | 10.33 | 10.25 | |
| Price Book Value Ratio | 2.44 | 1.58 | |
| Enterprise Value Multiple | 10.33 | 10.25 | |
| Price Fair Value | 2.44 | 1.58 | |
| Enterprise Value | 27.7 B | 29 B |
When investors examine management execution at Intact Financial, they are looking for evidence that strategy, financial discipline, and operating results are moving in the same direction. The business currently sits in the Financial Services sector and the Insurance—Property & Casualty industry. Current market capitalization is about 44.39 Billion, enterprise value is near 50.31 Billion, and annual revenue is around 26.07 Billion.
Operating Margin | Long Term Debt Total | Short Long Term Debt Total | Expected Return -0.19 | Beta 0.265 |
Technical Drivers
As of the 12th of March 2026, the last recorded price for Intact Financial is 250.00 per share. Primary technical drivers reflect Market Risk Adjusted Performance of 1.69, standard deviation of 1.22, and Risk Adjusted Performance of -0.09. Quantitative analysis incorporates volatility metrics and price behavior to assess directional bias. Metrics are compared to industry averages to assess relative positioning.Intact Financial Price Movement Analysis
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The output start index for this execution was zero with a total number of output elements of sixty-one. Intact Financial Inverse Tangent Over Price Movement function is an inverse trigonometric method to describe Intact Financial price patterns.
Intact Financial Outstanding Bonds
Reviewing Intact Financial bond obligations helps investors understand how much of the business is financed with fixed-income capital rather than purely with equity. This is why bond analysis is not just a credit exercise; it also informs equity holders about solvency, optionality, and future capital-allocation pressure.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View |
Intact Financial Predictive Daily Indicators
Daily trading signals in Intact Financial help active traders monitor momentum, reversals, and volume pressure while the session is still developing. The better setups usually come from combining these signals with strict risk limits, because short-term data can reverse quickly when liquidity thins.
| Accumulation Distribution | 12243.81 | |||
| Daily Balance Of Power | -1.08 | |||
| Rate Of Daily Change | 0.98 | |||
| Day Median Price | 251.75 | |||
| Day Typical Price | 251.16 | |||
| Price Action Indicator | -3.92 | |||
| Period Momentum Indicator | -4.35 | |||
| Relative Strength Index | 39.59 |
Intact Financial Forecast Models
Quantitative forecast tools for Intact Financial focus on patterns in observed data, which makes them especially useful when the market is moving faster than traditional bottom-up research can refresh. Used well, forecast models can complement fundamental research by showing where observed price behavior still supports or contradicts the discretionary thesis.About Intact Financial Corporation
Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada and the United States. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada. INTACT FINANCIAL operates under InsuranceProperty Casualty classification in Canada and is traded on Toronto Stock Exchange. It employs 16000 people. A high-level view of Intact Financial emphasizes earnings durability, balance-sheet flexibility, and competitive positioning. Current metrics include P/E of 23.54, P/B of 2.37, profit margin of 12.91%. Intact Financial has a market cap of 44.39 B, P/E of 23.54, ROE of 17.26%. 
Raphi Shpitalnik · Junior Member of Macroaxis Editorial Board
Methodology
Unless otherwise specified, financial data for Intact Financial is derived from periodic company reporting (annual and quarterly where available). Asset-level metrics are computed daily by Macroaxis LLC and refreshed regularly based on asset type. Intact (CA:IFC) prices are typically delayed by approximately 20 minutes from primary exchanges for listed equities. Data may be delayed depending on reporting sources and market conventions. Assumptions: We use public filings and market reference sources with disclosures published by U.S. Securities and Exchange Commission (SEC) via EDGAR as reference inputs. Data may be normalized and can be delayed. All analytics are generated using standardized, rules-based models designed to promote consistency and comparability across instruments. Model assumptions, reference parameters, and selected computational inputs are available in the Model Inputs section. If you have questions about our data sources or methodology, please contact Macroaxis Support.
Analyst Sources
Intact Financial may have analyst coverage included in Macroaxis-derived consensus inputs when available. Updates may occur throughout the day.
Intact Stock is Curated By:
Raphi Shpitalnik · Junior Member of Macroaxis Editorial BoardBe your own money manager
Optimization tools can help investors judge whether capital allocated to Intact Financial is being used efficiently relative to other opportunities in the same equity universe. This is most useful when investors want to improve risk-adjusted return instead of simply owning more ideas at once.
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Intact Financial financial ratios help frame valuation context across profits, cash flow, and enterprise value. They help compare Intact across valuation measures.