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STOCKS

Intact Financial Corporation (IFCZF)

OTHER OTC:IFCZF

IFCZF

Intact Financial Corporation

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Intact Financial Corporation (IFCZF) Ratios

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Intact Financial Corporation Ratios

IFCZF's free cash flow for Q4 2025 was C$0.25. For the 2025 fiscal year, IFCZF's free cash flow was decreased by C$ and operating cash flow was C$0.19. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	6.11	6.11	10.70	7.98	13.87
Quick Ratio	6.11	6.11	10.70	7.98	13.87
Cash Ratio	0.26	0.26	0.48	0.50	0.41
Solvency Ratio	0.10	0.10	0.07	0.05	0.08
Operating Cash Flow Ratio	1.04	1.04	1.82	0.79	1.50
Short-Term Operating Cash Flow Coverage	10.92	10.92	7.56	1.74	26.75
Net Current Asset Value	C$ -16.27B	C$ -16.27B	C$ -21.53B	C$ -20.75B	C$ -3.67B
Leverage Ratios
Debt-to-Assets Ratio	0.08	0.08	0.09	0.10	0.10
Debt-to-Equity Ratio	0.25	0.25	0.30	0.35	0.33
Debt-to-Capital Ratio	0.20	0.20	0.23	0.26	0.25
Long-Term Debt-to-Capital Ratio	0.17	0.17	0.19	0.20	0.22
Financial Leverage Ratio	3.02	3.02	3.28	3.46	3.39
Debt Service Coverage Ratio	7.00	7.00	4.86	1.68	10.16
Interest Coverage Ratio	19.14	19.14	12.96	8.13	16.99
Debt to Market Cap	0.10	0.09	0.10	0.14	0.14
Interest Debt Per Share	30.82	30.75	31.95	33.84	31.08
Net Debt to EBITDA	0.78	0.78	1.20	1.74	1.14
Profitability Margins
Gross Profit Margin	21.84%	21.84%	16.13%	12.85%	16.26%
EBIT Margin	17.38%	17.38%	12.41%	8.70%	14.13%
EBITDA Margin	20.44%	20.44%	15.31%	11.26%	16.62%
Operating Profit Margin	16.52%	16.52%	11.52%	7.75%	13.34%
Pretax Profit Margin	16.52%	16.52%	11.52%	7.75%	13.34%
Net Profit Margin	12.91%	12.91%	9.19%	5.65%	10.89%
Continuous Operations Profit Margin	12.91%	12.91%	9.25%	5.71%	10.87%
Net Income Per EBT	78.13%	78.13%	79.81%	72.95%	81.61%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	5.35%	5.35%	3.86%	2.35%	4.57%
Return on Equity (ROE)	17.09%	16.15%	12.66%	8.13%	15.49%
Return on Capital Employed (ROCE)	7.34%	7.34%	4.99%	3.36%	5.86%
Return on Invested Capital (ROIC)	5.70%	5.70%	3.97%	2.01%	2.90%
Return on Tangible Assets	6.34%	6.34%	4.60%	2.81%	5.37%
Earnings Yield	7.57%	6.61%	4.92%	3.67%	7.17%
Efficiency Ratios
Receivables Turnover	4.15	4.15	35.09	38.18	23.80
Payables Turnover	27.24	27.24	27.28	134.42	25.93
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	30.14	30.14	30.47	29.15	28.97
Asset Turnover	0.41	0.41	0.42	0.42	0.42
Working Capital Turnover Ratio	2.15	1.32	1.45	0.97	3.17
Cash Conversion Cycle	74.46	74.46	-2.98	6.84	1.26
Days of Sales Outstanding	87.86	87.86	10.40	9.56	15.34
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	13.40	13.40	13.38	2.72	14.08
Operating Cycle	87.86	87.86	10.40	9.56	15.34
Cash Flow Ratios
Operating Cash Flow Per Share	24.69	24.64	19.00	10.48	20.87
Free Cash Flow Per Share	22.12	22.07	16.59	7.88	18.53
CapEx Per Share	2.57	2.57	2.41	2.60	2.34
Free Cash Flow to Operating Cash Flow	0.90	0.90	0.87	0.75	0.89
Dividend Paid and CapEx Coverage Ratio	2.94	2.94	2.45	1.40	3.12
Capital Expenditure Coverage Ratio	9.60	9.60	7.90	4.03	8.92
Operating Cash Flow Coverage Ratio	0.84	0.84	0.62	0.32	0.69
Operating Cash Flow to Sales Ratio	0.17	0.17	0.14	0.08	0.16
Free Cash Flow Yield	8.85%	7.72%	6.34%	3.87%	9.51%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.21	15.12	20.32	27.28	13.95
Price-to-Sales (P/S) Ratio	1.70	1.95	1.87	1.54	1.52
Price-to-Book (P/B) Ratio	2.13	2.44	2.57	2.22	2.16
Price-to-Free Cash Flow (P/FCF) Ratio	11.30	12.95	15.78	25.87	10.52
Price-to-Operating Cash Flow Ratio	10.13	11.60	13.78	19.45	9.34
Price-to-Earnings Growth (PEG) Ratio	1.32	0.31	0.26	-0.56	1.41
Price-to-Fair Value	2.13	2.44	2.57	2.22	2.16
Enterprise Value Multiple	9.12	10.33	13.39	15.43	10.27
Enterprise Value	48.60B	55.06B	51.25B	40.47B	38.50B
EV to EBITDA	9.12	10.33	13.39	15.43	10.27
EV to Sales	1.86	2.11	2.05	1.74	1.71
EV to Free Cash Flow	12.36	14.01	17.33	29.16	11.83
EV to Operating Cash Flow	11.08	12.55	15.13	21.93	10.50
Tangible Book Value Per Share	62.16	62.02	48.13	41.67	46.00
Shareholders’ Equity Per Share	117.25	116.99	101.78	91.88	90.22
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.20	0.26	0.19
Revenue Per Share	146.73	146.40	140.12	132.18	128.35
Net Income Per Share	18.94	18.89	12.88	7.47	13.97
Tax Burden	0.78	0.78	0.80	0.73	0.82
Interest Burden	0.95	0.95	0.93	0.89	0.94
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.03	0.03	0.03	0.03
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.02	1.02	1.18	1.02	1.25

Currency in CAD