Intact Financial (IFC.TO) Stock Price
Intact Financial Price
Intact Financial (IFC.TO) Stock | ISIN CA45823T1066 | WKN A0RNQW. The current Intact Financial stock price is 292 CAD (2026). Revenue is 24.51 B CAD. Net income is 3.15 B CAD. The P/E ratio is 16.53. Market capitalization is 52.12 B CAD. Intact Financial operates in the Finance sector.
Over the last 19 years Intact Financial grew revenue by 10.1% annually, reaching 27.28 B CAD. Earnings per share have grown at 7.2% per year over the last 19 years. For Intact Financial, the net margin of 12% is broadly stable versus 11.4% a few years ago. At today's price the dividend yield works out to roughly 1.82%. The payout ratio is around 32% of earnings. The dividend has grown at 9.2% per year over the past 19 years.
Intact Financial stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Intact Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Intact Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Intact Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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Intact Financial Revenue, EBIT, Net Income
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Intact Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUE (B CAD) |
|---|
| REVENUE GROWTH (%) |
| GROSS MARGIN (%) |
| GROSS INCOME (B CAD) |
| NET INCOME (B CAD) |
| NET INCOME GROWTH (%) |
| DIVIDEND (CAD)DIV. (CAD) |
| DIVIDEND GROWTH (%)DIV. GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|
| 17.73 | 21.28 | 25.69 | 26.5 | 27.28 | 24.51 | 26.2 | 27.28 |
| 40.92 | 20.05 | 20.7 | 3.16 | 2.93 | -10.15 | 6.89 | 4.13 |
| 18.65 | 17.39 | 14.41 | 13.97 | 13.57 | 15.1 | 14.13 | 13.57 |
| 3.31 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 | 3.7 |
| 2.01 | 2.36 | 1.23 | 2.21 | 3.28 | 3.15 | 3.37 | - |
| 95.53 | 17.38 | -47.88 | 79.14 | 48.39 | -3.73 | 6.82 | – |
| 3.4 | 4 | 4.4 | 4.84 | 5.32 | 5.88 | 5.93 | - |
| 2.41 | 17.65 | 10 | 10 | 9.92 | 10.53 | 0.85 | – |
| 162 | 176 | 176.2 | 178.6 | 178.5 | 178.5 | 178.5 | 178.5 |
| – | – | – | – | – | – | – | – |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Intact Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Intact Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Intact Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Intact Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Intact Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Intact Financial stock margins
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Intact Financial Stock Revenue, EBIT, Earnings per Share
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Intact Financial business model & stock analysis
Intact Financial SWOT Analysis
Strengths
Intact Financial Corp is one of Canada's largest insurance providers, with a strong and established market presence.
The company has a diverse portfolio of insurance products, including home, auto, and commercial insurance, which allows it to cater to various customer segments.
Intact Financial Corp benefits from a robust financial position, with stable cash flows and a solid balance sheet, enabling it to weather uncertain economic conditions.
Weaknesses
One of the potential weaknesses for Intact Financial Corp is its heavy reliance on the Canadian market. This exposes the company to risks associated with the economic and regulatory environment of a single country.
The company's dependence on insurance brokers for distribution could pose a vulnerability, as changes in broker relationships or industry dynamics may impact its market reach.
Intact Financial Corp's large size and complex organizational structure may lead to bureaucratic hurdles, slowing down decision-making processes and hindering flexibility.
Opportunities
Intact Financial Corp has opportunities to expand its market share and customer base by capitalizing on the growing demand for specialty insurance products, such as cyber insurance and climate change-related coverage.
The company can explore potential partnerships or acquisitions to strengthen its position in new markets or enter into complementary sectors of the insurance industry.
Intact Financial Corp can leverage technological advancements, such as artificial intelligence and big data analytics, to enhance its underwriting capabilities, risk assessment, and customer experience.
Threats
Intense competition within the insurance industry poses a threat to the company's market share and profitability.
The evolving regulatory landscape, including changes in government policies or regulatory requirements, may create challenges for Intact Financial Corp's operations and profitability.
External factors, such as natural disasters and catastrophic events, can significantly impact the company's claims frequency and severity, leading to potential financial losses.
Intact Financial Eulerpool Fair Value
Intact Financial historical P/E ratio, EBIT multiple, and P/S ratio
Intact Financial annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Intact Financial shares outstanding
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Intact Financial Dividend History
22 years of dividend payments · 20 consecutive increases
Intact Financial dividend history and estimates
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Intact Financial dividend payout ratio
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Intact Financial Earnings Estimates
Intact Financial Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 5/8/2024 | 3.27CAD | 5.43 BCAD | 2024 Q1 |
| 2/13/2024 | 3.59CAD | 5.59 BCAD | 2023 Q4 |
| 7/26/2023 | 3.39CAD | -CAD | 2023 Q2 |
| 5/8/2023 | 2.99CAD | -CAD | 2023 Q1 |
| 2/7/2023 | 3.25CAD | 5.16 BCAD | 2022 Q4 |
| 11/8/2022 | 2.78CAD | 5.02 BCAD | 2022 Q3 |
| 7/28/2022 | 2.81CAD | 4.82 BCAD | 2022 Q2 |
| 5/10/2022 | 2.4CAD | 4.93 BCAD | 2022 Q1 |
| 2/8/2022 | 2.65CAD | 5.13 BCAD | 2021 Q4 |
| 11/9/2021 | 1.82CAD | 5.05 BCAD | 2021 Q3 |
EESG©
Eulerpool ESG Scorecard© for the Intact Financial stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
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Intact Financial shareholder structure
| % | Name |
|---|---|
8.73158% | |
3.3304% | |
3.14925% | |
2.8866% | |
2.56494% | |
2.56274% | |
2.46695% | |
2.45548% | |
2.28324% | |
2.04773% |
Intact Financial Executives and Management Board
Mr. Charles Brindamour
(54)Chief Executive Officer, Director
Mr. Timothy Miller
(66)Director, Chairman - Global Specialty Lines · since 2017
Dr. Louis Gagnon
Chief Executive Officer, Canada
Mr. Ken Norgrove
Chief Executive Officer, UK & International
Mr. William Young
(70)Independent Chairman of the Board
Intact Financial Supply Chain
Frequently asked questions about Intact Financial
Intact Financial Corp is a leading provider of property and casualty insurance in Canada. Their business model focuses on underwriting, distributing, and managing insurance products and services. With a customer-centric approach, the company offers a wide range of coverage options for homes, vehicles, businesses, and more. Intact Financial Corp leverages its extensive industry expertise and advanced data analytics to assess risks and provide tailored insurance solutions to customers. By combining traditional insurance practices with innovation and technology, the company aims to enhance customer experiences and deliver exceptional value in the insurance industry.
Intact Financial stock
Intact Financial Peer Group
Intact Financial Ticker
Intact Financial FIGI
All fundamentals and in-depth analysis of Intact Financial
Our stock analysis for Intact Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Intact Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.