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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 Q3 2025 was C$0.21. For the 2025 fiscal year, TSE:IFC's free cash flow was decreased by C$ and operating cash flow was C$0.18. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	10.70	7.98	13.87	0.20
Quick Ratio	0.00	10.70	7.98	13.87	0.20
Cash Ratio	0.00	0.48	0.50	0.41	0.11
Solvency Ratio	0.09	0.07	0.05	0.08	0.07
Operating Cash Flow Ratio	0.00	1.82	0.79	1.50	0.14
Short-Term Operating Cash Flow Coverage	36.62	7.56	1.74	26.75	7.13
Net Current Asset Value	C$ -43.01B	C$ -21.53B	C$ -20.75B	C$ -3.67B	C$ -33.88B
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.09	0.10	0.10	0.10
Debt-to-Equity Ratio	0.27	0.30	0.35	0.33	0.40
Debt-to-Capital Ratio	0.21	0.23	0.26	0.25	0.29
Long-Term Debt-to-Capital Ratio	0.19	0.19	0.20	0.22	0.25
Financial Leverage Ratio	3.15	3.28	3.46	3.39	4.23
Debt Service Coverage Ratio	11.84	4.86	1.68	10.16	4.56
Interest Coverage Ratio	17.66	12.96	8.13	16.99	16.78
Debt to Market Cap	0.10	0.10	0.14	0.14	0.21
Interest Debt Per Share	31.87	31.95	33.84	31.08	39.77
Net Debt to EBITDA	0.80	1.20	1.74	1.14	1.27
Profitability Margins
Gross Profit Margin	20.84%	16.13%	12.85%	16.26%	48.98%
EBIT Margin	16.28%	12.41%	8.70%	14.13%	15.48%
EBITDA Margin	19.38%	15.31%	11.26%	16.62%	18.10%
Operating Profit Margin	15.41%	11.52%	7.75%	13.34%	14.61%
Pretax Profit Margin	15.41%	11.52%	7.75%	13.34%	14.61%
Net Profit Margin	12.01%	9.19%	5.65%	10.89%	11.76%
Continuous Operations Profit Margin	12.01%	9.25%	5.71%	10.87%	11.88%
Net Income Per EBT	77.96%	79.81%	72.95%	81.61%	80.49%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	4.88%	3.86%	2.35%	4.57%	3.12%
Return on Equity (ROE)	16.14%	12.66%	8.13%	15.49%	13.19%
Return on Capital Employed (ROCE)	6.26%	4.99%	3.36%	5.86%	5.74%
Return on Invested Capital (ROIC)	2517.21%	3.97%	2.01%	2.90%	4.42%
Return on Tangible Assets	5.77%	4.60%	2.81%	5.37%	3.52%
Earnings Yield	6.50%	4.92%	3.67%	7.17%	7.74%
Efficiency Ratios
Receivables Turnover	30.73	35.09	38.18	23.80	90.14
Payables Turnover	19.20	27.28	134.42	25.93	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	29.94	30.47	29.15	28.97	22.71
Asset Turnover	0.41	0.42	0.42	0.42	0.26
Working Capital Turnover Ratio	0.00	1.45	0.97	3.17	-1.48
Cash Conversion Cycle	-7.13	-2.98	6.84	1.26	4.05
Days of Sales Outstanding	11.88	10.40	9.56	15.34	4.05
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	19.01	13.38	2.72	14.08	0.00
Operating Cycle	11.88	10.40	9.56	15.34	4.05
Cash Flow Ratios
Operating Cash Flow Per Share	25.07	19.00	10.48	20.87	19.27
Free Cash Flow Per Share	22.81	16.59	7.88	18.53	17.25
CapEx Per Share	2.26	2.41	2.60	2.34	2.01
Free Cash Flow to Operating Cash Flow	0.91	0.87	0.75	0.89	0.90
Dividend Paid and CapEx Coverage Ratio	3.15	2.45	1.40	3.12	3.11
Capital Expenditure Coverage Ratio	11.09	7.90	4.03	8.92	9.57
Operating Cash Flow Coverage Ratio	0.82	0.62	0.32	0.69	0.50
Operating Cash Flow to Sales Ratio	0.17	0.14	0.08	0.16	0.18
Free Cash Flow Yield	8.60%	6.34%	3.87%	9.51%	10.49%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	15.38	20.32	27.28	13.95	12.92
Price-to-Sales (P/S) Ratio	1.85	1.87	1.54	1.52	1.52
Price-to-Book (P/B) Ratio	2.37	2.57	2.22	2.16	1.70
Price-to-Free Cash Flow (P/FCF) Ratio	11.63	15.78	25.87	10.52	9.53
Price-to-Operating Cash Flow Ratio	10.57	13.78	19.45	9.34	8.53
Price-to-Earnings Growth (PEG) Ratio	0.55	0.26	-0.56	1.41	0.18
Price-to-Fair Value	2.37	2.57	2.22	2.16	1.70
Enterprise Value Multiple	10.34	13.39	15.43	10.27	9.66
Enterprise Value	51.23B	51.25B	40.47B	38.50B	30.73B
EV to EBITDA	10.34	13.39	15.43	10.27	9.66
EV to Sales	2.00	2.05	1.74	1.71	1.75
EV to Free Cash Flow	12.60	17.33	29.16	11.83	10.97
EV to Operating Cash Flow	11.47	15.13	21.93	10.50	9.82
Tangible Book Value Per Share	57.06	48.13	41.67	46.00	125.89
Shareholders’ Equity Per Share	112.02	101.78	91.88	90.22	96.51
Tax and Other Ratios
Effective Tax Rate	0.22	0.20	0.26	0.19	0.19
Revenue Per Share	143.48	140.12	132.18	128.35	108.23
Net Income Per Share	17.23	12.88	7.47	13.97	12.73
Tax Burden	0.78	0.80	0.73	0.82	0.80
Interest Burden	0.95	0.93	0.89	0.94	0.94
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.03	0.03	0.03	0.00
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.13	1.18	1.02	1.25	1.22

Currency in CAD