Intact Financial Corporation (TSE:IFC)
TSX:IFC
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IFC Stock Chart & Stats
C$262.16
C$2.57(1.00%)
At close: 4:00 PM EST
C$262.16
C$2.57(1.00%)
Day’s Range― - ―
52-Week RangeC$242.87 - C$317.35
Previous CloseN/A
Volume45.10K
Average Volume (3M)447.13K
Market Cap
C$49.90B
Enterprise ValueC$50.45B
Total Cash (Recent Filing)C$2.40B
Total Debt (Recent Filing)C$4.96B
Price to Earnings (P/E)14.6
Beta0.46
Next Earnings
Jul 28, 2026EPS Estimate
4.34Next Dividend Ex-DateN/A
Dividend Yield1.86%
Share Statistics
EPS (TTM)18.82
Shares Outstanding176,788,900
10 Day Avg. Volume410,697
30 Day Avg. Volume447,135
Financial Highlights & Ratios
PEG Ratio0.31
Price to Book (P/B)2.44
Price to Sales (P/S)1.95
P/FCF Ratio12.95
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
C$311.50Price Target Upside18.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)17.98
Revenue Forecast (FY)C$24.68B
Bulls Say, Bears Say
Bulls Say
Profitability RecoveryIFC's multi-year rebound in operating and net margins into 2025 and TTM indicates underwriting discipline and pricing power. Sustained margin improvement supports recurring earnings, higher ROE and internal capital generation, enhancing the firm's ability to invest, retain surplus and return capital over the medium term.
Improving Balance SheetLower debt-to-equity and consistent equity growth materially strengthen financial flexibility for an insurer. A cleaner capital structure reduces solvency strain in loss years, supports reinsurance purchasing and rating stability, and gives management room to underwrite, deploy surplus and sustain dividends over time.
Diversified Distribution & Product MixA dual distribution strategy and mix of personal, commercial and specialty lines create a diversified premium base and cross-sell opportunities. This structural diversification reduces dependence on any single channel or product, smoothing premium flows and aiding retention and growth across market cycles.
Bears Say
Loss-event ExposureExposure to catastrophes and large loss events is an inherent, persistent risk for P&C insurers. Even with improved leverage, significant weather or accumulation events can sharply widen underwriting losses, pressure capital ratios, trigger reinsurance costs and force rapid repricing, creating durable earnings volatility.
Inconsistent Cash ConversionUneven FCF and inconsistent operating cash flow coverage undermine the predictability of internally generated funds. That makes capital allocation, dividend sustainability and buyback plans harder to rely on across cycles, and increases the chance the company will need external capital or to cut payouts after loss-heavy periods.
Earnings & Margin VolatilityThe company has shown meaningful earnings rebounds but also pronounced year-to-year swings in margins. This structural volatility—driven by underwriting cycles and claims severity—complicates forecasting, capital planning and investor confidence, and can force abrupt underwriting or pricing shifts.
Intact Financial Corporation News
IFC FAQ
What was Intact Financial Corporation’s price range in the past 12 months?
Intact Financial Corporation lowest stock price was C$242.87 and its highest was C$317.35 in the past 12 months.
What is Intact Financial Corporation’s market cap?
Intact Financial Corporation’s market cap is C$49.90B.
When is Intact Financial Corporation’s upcoming earnings report date?
Intact Financial Corporation’s upcoming earnings report date is Jul 28, 2026 which is in 47 days.
How were Intact Financial Corporation’s earnings last quarter?
Intact Financial Corporation released its earnings results on May 05, 2026. The company reported C$4.33 earnings per share for the quarter, beating the consensus estimate of C$4.06 by C$0.27.
Is Intact Financial Corporation overvalued?
According to Wall Street analysts Intact Financial Corporation’s price is currently Undervalued.
Does Intact Financial Corporation pay dividends?
Intact Financial Corporation pays a Quarterly dividend of C$1.47 which represents an annual dividend yield of 1.86%. See more information on Intact Financial Corporation dividends here
What is Intact Financial Corporation’s EPS estimate?
Intact Financial Corporation’s EPS estimate is 4.34.
How many shares outstanding does Intact Financial Corporation have?
Intact Financial Corporation has 176,788,900 shares outstanding.
What happened to Intact Financial Corporation’s price movement after its last earnings report?
Intact Financial Corporation reported an EPS of C$4.33 in its last earnings report, beating expectations of C$4.06. Following the earnings report the stock price went down -3.898%.
Which hedge fund is a major shareholder of Intact Financial Corporation?
Currently, no hedge funds are holding shares in TSE:IFC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Intact Financial Corporation Stock Smart Score
Outperform
1
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4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
C$311.50 (18.82% Upside)
C$311.50 (18.82% Upside)
Insider Transactions
Sold Shares
Worth C$32.9M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.0%
Last 30 Days ▲ 7.0%
Last 30 Days ▲ 7.0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-1.63%
12-Months-Change
Fundamentals
Return on Equity
16.93%
Trailing 12-Months
Asset Growth
3.77%
Trailing 12-Months
Company Description
Intact Financial Corporation
Intact Financial Corporation (IFC), through its network of subsidiaries, stands as a leading provider of property and casualty (P&C) insurance. The company delivers its insurance solutions to individuals and businesses across a wide geographic footprint, including Canada, the United States, the United Kingdom, Ireland, other European countries, and the Middle East. For personal clients, IFC offers a comprehensive suite of insurance products. This encompasses auto coverage for personal vehicles, motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles. Its personal property policies protect homes and their contents from a range of perils like fire, theft, vandalism, and water damage, while also providing personal liability coverage. These offerings extend to tenants, condominium owners, non-owner occupied residences, and seasonal properties, alongside various other personal lines such as pet insurance. In the commercial sector, the corporation develops tailored insurance programs for small and medium-sized businesses. This includes commercial property coverage to safeguard physical business assets, as well as various liability protections such as commercial general, product, professional, and cyber liability endorsements. Furthermore, IFC provides commercial vehicle insurance, addressing needs for commercial autos, fleets, garage operations, light trucks, public vehicles, and the unique requirements of the sharing economy. Beyond these core segments, Intact Financial also specializes in general insurance, sophisticated risk management solutions, and a diverse portfolio of niche insurance products. These specialized coverages cater to distinct groups and industries, including accident and health, technology, ocean and inland marine, public entities, entertainment, financial services, and various institutions. Additional offerings encompass specialty property, surety bonds, tuition reimbursement, management liability, cyber risk, and environmental insurance. Founded in 1809, the company was initially known as ING Canada Inc. It officially adopted the name Intact Financial Corporation in 2009 and is headquartered in Toronto, Canada.
IFC Stock 12 Month Forecast
Average Price Target
C$311.50
▲(18.82% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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