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Intact Financial Corporation (TSE:IFC)
TSX:IFC
Canadian Market
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 2026 was C$1.00. For the 2026 fiscal year, TSE:IFC's free cash flow was decreased by C$ and operating cash flow was C$0.14. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 6.11 10.70 7.98 13.87
Quick Ratio
 0.00 6.11 10.70 7.98 13.87
Cash Ratio
 0.00 0.26 0.48 0.50 0.41
Solvency Ratio
 0.10 0.10 0.07 0.05 0.08
Operating Cash Flow Ratio
 0.00 1.04 1.82 0.79 1.50
Short-Term Operating Cash Flow Coverage
 50.43 10.92 7.56 1.74 26.75
Net Current Asset Value
C$ -34.53BC$ -16.27BC$ -21.53BC$ -20.75BC$ -3.67B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 0.09 0.10 0.10
Debt-to-Equity Ratio
 0.23 0.25 0.30 0.35 0.33
Debt-to-Capital Ratio
 0.19 0.20 0.23 0.26 0.25
Long-Term Debt-to-Capital Ratio
 0.16 0.17 0.19 0.20 0.22
Financial Leverage Ratio
 2.96 3.02 3.28 3.46 3.39
Debt Service Coverage Ratio
 14.45 7.00 4.86 1.68 10.16
Interest Coverage Ratio
 19.72 19.14 12.96 8.13 16.99
Debt to Market Cap
 0.09 0.09 0.10 0.14 0.14
Interest Debt Per Share
 29.23 30.75 31.95 33.84 31.08
Net Debt to EBITDA
 0.47 0.78 1.20 1.74 1.14
Profitability Margins
Gross Profit Margin
44.00%21.84%16.13%12.85%16.26%
EBIT Margin
17.21%17.38%12.41%8.70%14.13%
EBITDA Margin
20.12%20.44%15.31%11.26%16.62%
Operating Profit Margin
16.38%16.52%11.52%7.75%13.34%
Pretax Profit Margin
16.38%16.52%11.52%7.75%13.34%
Net Profit Margin
12.76%12.91%9.19%5.65%10.89%
Continuous Operations Profit Margin
12.76%12.91%9.25%5.71%10.87%
Net Income Per EBT
77.89%78.13%79.81%72.95%81.61%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
5.47%5.35%3.86%2.35%4.57%
Return on Equity (ROE)
16.93%16.15%12.66%8.13%15.49%
Return on Capital Employed (ROCE)
7.03%7.34%4.99%3.36%5.86%
Return on Invested Capital (ROIC)
5.47%5.70%3.97%2.01%2.90%
Return on Tangible Assets
6.49%6.34%4.60%2.81%5.37%
Earnings Yield
7.08%6.61%4.92%3.67%7.17%
Efficiency Ratios
Receivables Turnover
 5.79 4.15 35.09 38.18 23.80
Payables Turnover
 14.11 27.24 27.28 134.42 25.93
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 29.51 30.14 30.47 29.15 28.97
Asset Turnover
 0.43 0.41 0.42 0.42 0.42
Working Capital Turnover Ratio
 1.89 1.32 1.45 0.97 3.17
Cash Conversion Cycle
 37.22 74.46 -2.98 6.84 1.26
Days of Sales Outstanding
 63.08 87.86 10.40 9.56 15.34
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 25.86 13.40 13.38 2.72 14.08
Operating Cycle
 63.08 87.86 10.40 9.56 15.34
Cash Flow Ratios
Operating Cash Flow Per Share
 23.88 24.64 19.00 10.48 20.87
Free Cash Flow Per Share
 20.94 22.07 16.59 7.88 18.53
CapEx Per Share
 2.94 2.57 2.41 2.60 2.34
Free Cash Flow to Operating Cash Flow
 0.88 0.90 0.87 0.75 0.89
Dividend Paid and CapEx Coverage Ratio
 2.67 2.94 2.45 1.40 3.12
Capital Expenditure Coverage Ratio
 8.11 9.60 7.90 4.03 8.92
Operating Cash Flow Coverage Ratio
 0.85 0.84 0.62 0.32 0.69
Operating Cash Flow to Sales Ratio
 0.16 0.17 0.14 0.08 0.16
Free Cash Flow Yield
7.63%7.72%6.34%3.87%9.51%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 14.12 15.12 20.32 27.28 13.95
Price-to-Sales (P/S) Ratio
 1.80 1.95 1.87 1.54 1.52
Price-to-Book (P/B) Ratio
 2.28 2.44 2.57 2.22 2.16
Price-to-Free Cash Flow (P/FCF) Ratio
 13.10 12.95 15.78 25.87 10.52
Price-to-Operating Cash Flow Ratio
 11.47 11.60 13.78 19.45 9.34
Price-to-Earnings Growth (PEG) Ratio
 0.27 0.31 0.26 -0.56 1.41
Price-to-Fair Value
 2.28 2.44 2.57 2.22 2.16
Enterprise Value Multiple
 9.44 10.33 13.39 15.43 10.27
Enterprise Value
 51.21B 55.06B 51.25B 40.47B 38.50B
EV to EBITDA
 9.44 10.33 13.39 15.43 10.27
EV to Sales
 1.90 2.11 2.05 1.74 1.71
EV to Free Cash Flow
 13.79 14.01 17.33 29.16 11.83
EV to Operating Cash Flow
 12.09 12.55 15.13 21.93 10.50
Tangible Book Value Per Share
 64.46 62.02 48.13 41.67 46.00
Shareholders’ Equity Per Share
 119.90 116.99 101.78 91.88 90.22
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.20 0.26 0.19
Revenue Per Share
 152.02 146.40 140.12 132.18 128.35
Net Income Per Share
 19.40 18.89 12.88 7.47 13.97
Tax Burden
 0.78 0.78 0.80 0.73 0.82
Interest Burden
 0.95 0.95 0.93 0.89 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 0.03
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.01 1.02 1.18 1.02 1.25
Currency in CAD