The earnings call reflects a robust performance with strong net operating income and improvements in personal lines. However, challenges remain in commercial lines and specific regional markets such as the UK&I and the U.S. Overall, the positive aspects slightly outweigh the negative, indicating a stable position with opportunities for growth.

Company Guidance

During the Q2 2025 results conference call, Intact Financial Corporation provided guidance focusing on key performance metrics. The company's net operating income per share was reported at $5.23, with a 12% increase in book value per share year-over-year, and an operating return on equity (ROE) exceeding 16%. Top-line growth improved to 4% quarter-over-quarter, led by personal lines. The combined ratio was strong at 86.1%, a 1-point improvement year-over-year, despite higher catastrophe losses this quarter. In Canada, personal auto premiums grew by 11%, and personal property by 10%, with expectations of continued hard market conditions. Commercial lines in Canada saw a 1% premium growth, with a robust combined ratio of 74%. The UK&I business experienced a 5% drop in premiums due to portfolio remediation, although the combined ratio was stable at 92.9%. In the U.S., premiums were flat, yet the combined ratio improved to 87.8%. The company aims for a 10% annual growth in net operating income per share and intends to maintain an industry ROE outperformance by at least 500 basis points annually.

Strong Net Operating Income

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

Improved Combined Ratio

The combined ratio was strong at 86.1%, with a 1 point improvement year-over-year despite higher catastrophe losses.

Growth in Personal Lines

Personal auto premiums grew 11%, with a combined ratio improvement of 1 point to 90.3%. Personal property premiums grew 10%, with a combined ratio of 84.5%.

Resilient Financial Position

Operating return on equity was above 16% for the third straight quarter, with a strong balance sheet and a total capital margin of $3.1 billion.

Positive Distribution Income

Distribution income of $165 million was driven by a strong contribution from BrokerLink and continued M&A activities.

Successful Climate Initiative

Launched 'Keep it intact,' a national program in Canada to help protect homes from climate threats, and increased funding for municipal climate resiliency grants.

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

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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)	3.87 / -	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$303.75	C$284.08	-6.48%
May 06, 2025	C$306.45	C$306.14	-0.10%
Feb 11, 2025	C$272.43	C$286.27	+5.08%
Nov 05, 2024	C$266.84	C$260.17	-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 (TSE:IFC) report earnings?

Intact Financial (TSE:IFC) is schdueled to report earning on Nov 04, 2025, After Close (Confirmed).

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

Intact Financial (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 3.87.

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