tiprankstipranks
Trending News
More News >
Intact Financial Corporation (TSE:IFC)
TSX:IFC
Canadian Market
Advertisement

Intact Financial Corporation (IFC) Earnings Dates, Call Summary & Reports

Compare
438 Followers

Earnings Data

Report Date
Feb 10, 2026
After Close (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
4.6
Last Year’s EPS
4.93
Same Quarter Last Year
Moderate Buy
Based on 7 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Nov 04, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The call highlighted strong financial performance with significant income and ROE growth, especially in North American operations. However, challenges such as UK&I premium decline and high catastrophe losses were noted, though they aligned with expectations.
Company Guidance
During Intact Financial Corporation's Q3 2025 earnings call, the company provided guidance on various financial metrics and market conditions. The company reported a net operating income per share of $4.46, driven by strong underwriting performance and top-line growth of 6%. The combined ratio was maintained at a sub-90 level, highlighting effective margin management. The operating return on equity (ROE) improved by 4 points year-over-year to 20%, reflecting robust performance across all regions, particularly in personal and commercial lines. The Canadian market showed an 11% growth in personal auto premiums and a 10% growth in personal property, with the combined ratio in personal lines at 91.5% and 92.4%, respectively. Intact's UK&I business experienced a 5% decline in premiums due to ongoing remediation efforts, but the company expects growth to rebound as these efforts taper off. In the U.S., premiums increased by 8%, with certain segments growing over 20% and maintaining low 80s combined ratios. The company's investments in AI have generated over $150 million in annual recurring benefits, contributing to pricing optimization and underwriting efficiencies. Intact's capital margin stands at $3.3 billion, and it remains well-positioned to pursue M&A opportunities, with a focus on maintaining an operating ROE above mid-teens and achieving net operating income per share growth of 10% annually.
Strong Net Operating Income Growth
Net operating income per share of $4.46, showcasing robust underwriting performance across all geographies and lines of business.
Significant ROE Improvement
Operating ROE improved by 4 points year-over-year to 20%, highlighting successful market navigation and earnings growth.
Positive Growth in Personal Lines
Personal auto premiums grew 11% with a 3% increase in units. Personal property premiums grew 10% with a 2% increase in units.
Distribution Income Growth
Distribution income increased 11% to $147 million, with BrokerLink reaching $5 billion in annual premiums.
U.S. Specialty Lines Performance
U.S. premiums up 8% year-over-year with the combined ratio of 83.6% improving by 4 points. Fast-growing segments exceeded 20% growth.

Intact Financial Corporation (TSE:IFC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

TSE:IFC Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Feb 10, 2026
2025 (Q4)
4.60 / -
4.93
Nov 04, 2025
2025 (Q3)
4.32 / 4.46
1.01341.58% (+3.45)
Jul 29, 2025
2025 (Q2)
4.04 / 5.23
4.867.61% (+0.37)
May 06, 2025
2025 (Q1)
3.55 / 4.01
3.6310.47% (+0.38)
Feb 11, 2025
2024 (Q4)
4.31 / 4.93
4.2216.82% (+0.71)
Nov 05, 2024
2024 (Q3)
-0.08 / 1.01
2.1-51.90% (-1.09)
Jul 30, 2024
2024 (Q2)
3.55 / 4.86
2.3111.30% (+2.56)
May 07, 2024
2024 (Q1)
3.40 / 3.63
3.0618.63% (+0.57)
Feb 13, 2024
2023 (Q4)
3.38 / 4.22
3.3426.35% (+0.88)
Nov 07, 2023
2023 (Q3)
1.47 / 2.10
2.7-22.22% (-0.60)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

TSE:IFC Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Nov 04, 2025
C$265.18C$269.73+1.72%
Jul 29, 2025
C$303.75C$284.08-6.48%
May 06, 2025
C$306.45C$306.14-0.10%
Feb 11, 2025
C$272.43C$286.27+5.08%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Intact Financial Corporation (TSE:IFC) report earnings?
Intact Financial Corporation (TSE:IFC) is schdueled to report earning on Feb 10, 2026, After Close (Confirmed).
    What is Intact Financial Corporation (TSE:IFC) earnings time?
    Intact Financial Corporation (TSE:IFC) earnings time is at Feb 10, 2026, After Close (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is TSE:IFC EPS forecast?
          TSE:IFC EPS forecast for the fiscal quarter 2025 (Q4) is 4.6.
            What am I Missing?
            Make informed decisions based on Top Analysts' activity
            Know what industry insiders are buying
            Get actionable alerts from top Wall Street Analysts
            Find out before anyone else which stock is going to shoot up
            Get powerful stock screeners & detailed portfolio analysis