The earnings call highlighted strong financial performance with significant growth in net operating income and a stable combined ratio. Strategic expansions and a robust balance sheet further emphasized positive aspects. However, challenges in commercial lines and specific regional declines, such as in the UK&I, presented notable concerns.

Company Guidance -

Q3 2025

During the Intact Financial Corporation Q2 2025 Results Conference Call, the company reported a net operating income per share of $5.23, with strong underwriting performance contributing to a book value per share increase of 12% year-over-year and an operating ROE above 16%. Top-line growth improved by 4%, with a notable 11% increase in personal auto premiums and a 10% rise in personal property premiums, driven by rate actions and unit growth. The combined ratio was robust at 86.1%, a 1-point improvement year-over-year, despite higher catastrophe losses. The Canadian personal auto segment's combined ratio improved to 90.3%, while personal property saw a strong combined ratio of 84.5%. In Commercial Lines in Canada, premium growth was modest at 1%, with a combined ratio of 74%. In the UK&I, premiums were down 5% year-over-year, with a combined ratio of 92.9%, while the U.S. maintained a strong combined ratio of 87.8%. The company remains focused on leveraging technology to enhance customer and broker experiences and anticipates continued growth through new verticals and expanded broker relationships globally.

Strong Net Operating Income

Net operating income per share increased to $5.23, an 8% growth from last year, driven by strong underwriting performance across all segments.

Improved Combined Ratio

Overall combined ratio improved to 86.1%, a 1-point improvement year-over-year despite higher CAT losses.

Canadian Personal Lines Growth

Premiums grew 11% in personal auto and 10% in personal property, driven by rate actions and a 2% increase in units.

Expansion and Strategic Initiatives

Intact is entering new verticals in the U.S. and Europe, expanding broker relationships in the U.K., and leveraging technology in Canada.

Resilient Balance Sheet

Maintained a strong financial position with a total capital margin of $3.1 billion and adjusted debt total capital ratio decreasing to 18.4%.

Positive Outlook for Distribution Income

Distribution income of $165 million was achieved despite a decline in some segments, with continued M&A activities and a positive outlook for 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

Daily Earnings Calendar >

TSE:IFC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 04, 2025	2025 (Q3)	3.89 / -	1.01	―	―	―
Jul 29, 2025	2025 (Q2)	4.04 / 5.23	4.86	7.61% (+0.37)	―	―
May 06, 2025	2025 (Q1)	3.55 / 4.01	3.63	10.47% (+0.38)	―	―
Feb 11, 2025	2024 (Q4)	4.31 / 4.93	4.22	16.82% (+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	2.3	111.30% (+2.56)	―	―
May 07, 2024	2024 (Q1)	3.40 / 3.63	3.06	18.63% (+0.57)	―	―
Feb 13, 2024	2023 (Q4)	3.38 / 4.22	3.34	26.35% (+0.88)	―	―
Nov 07, 2023	2023 (Q3)	1.47 / 2.10	2.7	-22.22% (-0.60)	―	―
Aug 02, 2023	2023 (Q2)	2.40 / 2.30	3.14	-26.75% (-0.84)	―	―

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
Jul 29, 2025	C$305.21	C$285.45	-6.47%
May 06, 2025	C$307.92	C$307.61	-0.10%
Feb 11, 2025	C$273.74	C$287.64	+5.08%
Nov 05, 2024	C$268.12	C$261.42	-2.50%

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 Nov 04, 2025, After Close (Confirmed).

What is Intact Financial Corporation (TSE:IFC) earnings time?

Intact Financial Corporation (TSE:IFC) earnings time is at Nov 04, 2025, 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 (Q3) is 3.89.

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