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STOCKS

Intact Financial Corporation (TSE:IFC)

TSX:IFC

IFC

Intact Financial Corporation

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Intact Financial Corporation (IFC) Ratios

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Intact Financial Corporation Ratios

TSE:IFC's free cash flow for Q1 2025 was C$0.74. For the 2025 fiscal year, TSE:IFC's free cash flow was decreased by C$ and operating cash flow was C$4.06. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	13.88	7.98	13.88	13.38	20.71
Quick Ratio	14.73	7.98	14.73	17.92	37.21
Cash Ratio	0.42	0.50	0.42	0.90	2.79
Solvency Ratio	0.06	0.05	0.06	0.05	0.05
Operating Cash Flow Ratio	1.54	0.79	1.54	1.23	7.15
Short-Term Operating Cash Flow Coverage	26.75	1.74	26.75	7.13	0.00
Net Current Asset Value	C$ -17.11B	C$ -20.75B	C$ -16.16B	C$ -15.56B	C$ -18.72B
Leverage Ratios
Debt-to-Assets Ratio	0.08	0.10	0.08	0.09	0.10
Debt-to-Equity Ratio	0.33	0.35	0.33	0.37	0.36
Debt-to-Capital Ratio	0.25	0.26	0.25	0.27	0.27
Long-Term Debt-to-Capital Ratio	0.23	0.20	0.23	0.25	0.24
Financial Leverage Ratio	4.22	3.46	4.22	4.23	3.66
Debt Service Coverage Ratio	9.94	1.51	9.94	4.42	12.69
Interest Coverage Ratio	17.64	8.13	17.64	12.24	7.80
Debt to Market Cap	0.14	0.14	0.14	0.21	0.14
Interest Debt Per Share	30.30	33.84	30.30	37.07	25.20
Net Debt to EBITDA	1.65	1.90	1.13	1.16	1.48
Profitability Margins
Gross Profit Margin	100.00%	100.10%	100.00%	100.00%	100.00%
EBIT Margin	14.57%	8.18%	14.57%	15.07%	11.83%
EBITDA Margin	17.23%	10.88%	17.23%	17.70%	13.93%
Operating Profit Margin	14.77%	8.18%	14.77%	10.71%	7.20%
Pretax Profit Margin	13.91%	8.18%	13.91%	14.69%	10.91%
Net Profit Margin	11.60%	5.96%	11.60%	11.82%	8.68%
Continuous Operations Profit Margin	11.58%	6.03%	11.58%	11.45%	8.27%
Net Income Per EBT	83.41%	72.95%	83.41%	80.49%	79.62%
EBT Per EBIT	94.20%	100.00%	94.20%	137.11%	151.51%
Return on Assets (ROA)	2.33%	2.35%	3.78%	3.12%	3.08%
Return on Equity (ROE)	8.62%	8.13%	15.94%	13.19%	11.29%
Return on Capital Employed (ROCE)	1.57%	3.36%	4.99%	2.94%	2.58%
Return on Invested Capital (ROIC)	1.51%	2.01%	3.48%	2.04%	2.18%
Return on Tangible Assets	2.78%	2.81%	4.31%	3.52%	3.63%
Earnings Yield	3.85%	3.67%	7.17%	7.74%	5.02%
Efficiency Ratios
Receivables Turnover	0.00	36.18	0.00	89.65	0.00
Payables Turnover	0.00	-0.15	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	27.19	27.62	27.19	22.59	23.97
Asset Turnover	0.33	0.39	0.33	0.26	0.35
Working Capital Turnover Ratio	0.68	0.92	0.68	0.92	1.99
Cash Conversion Cycle	0.00	2.52K	0.00	4.07	0.00
Days of Sales Outstanding	0.00	10.09	0.00	4.07	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	-2.51K	0.00	0.00	0.00
Operating Cycle	0.00	10.09	0.00	4.07	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	20.87	10.48	20.87	19.27	16.45
Free Cash Flow Per Share	18.53	7.88	18.53	17.25	15.31
CapEx Per Share	2.34	2.60	2.34	2.01	1.14
Free Cash Flow to Operating Cash Flow	0.89	0.75	0.89	0.90	0.93
Dividend Paid and CapEx Coverage Ratio	3.12	1.40	3.12	3.11	3.41
Capital Expenditure Coverage Ratio	8.92	4.03	8.92	9.57	14.43
Operating Cash Flow Coverage Ratio	0.71	0.32	0.71	0.53	0.67
Operating Cash Flow to Sales Ratio	0.17	0.08	0.17	0.18	0.19
Free Cash Flow Yield	5.99%	3.87%	9.51%	10.49%	10.16%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.95	27.28	13.95	12.92	19.92
Price-to-Sales (P/S) Ratio	1.62	1.63	1.62	1.53	1.73
Price-to-Book (P/B) Ratio	2.22	2.22	2.22	1.70	2.25
Price-to-Free Cash Flow (P/FCF) Ratio	10.52	25.87	10.52	9.53	9.85
Price-to-Operating Cash Flow Ratio	9.34	19.45	9.34	8.53	9.16
Price-to-Earnings Growth (PEG) Ratio	1.41	-0.56	1.41	0.18	0.48
Price-to-Fair Value	2.22	2.22	2.22	1.70	2.25
Enterprise Value Multiple	10.53	16.86	10.53	9.79	13.90
Enterprise Value	21.48B	40.47B	38.36B	30.29B	24.12B
EV to EBITDA	18.72	16.86	10.53	9.79	13.90
EV to Sales	1.89	1.83	1.81	1.73	1.94
EV to Free Cash Flow	18.31	29.16	11.79	10.81	11.02
EV to Operating Cash Flow	16.65	21.93	10.47	9.68	10.26
Tangible Book Value Per Share	43.48	41.67	43.48	55.92	29.76
Shareholders’ Equity Per Share	87.70	91.88	87.70	96.51	67.01
Tax and Other Ratios
Effective Tax Rate	0.18	0.26	0.18	0.19	0.20
Revenue Per Share	120.45	125.24	120.45	107.65	87.15
Net Income Per Share	13.97	7.47	13.97	12.73	7.57
Tax Burden	0.91	0.73	0.83	0.80	0.80
Interest Burden	0.88	1.00	0.95	0.97	0.92
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.03	0.00	0.00	0.00
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.55	1.02	1.25	1.22	1.73

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