Intact Financial (IFC.TO) Stock Price
Intact Financial Price
Over the last 19 years Intact Financial grew revenue by 9.8% annually, reaching 26.07 B CAD. Earnings per share have grown at 7.3% per year over the last 19 years. For Intact Financial, the net margin of 12.9% is up versus 11.8% a few years ago. At today's price the dividend yield works out to roughly 2.06%. The payout ratio is around 28% of earnings. The dividend has grown at 9.2% per year over the past 19 years. The consensus 12-month price target for Intact Financial is 326.40 CAD, about 26.3% above where the stock trades today. Of 18 analysts, 12 rate the stock a buy — an overall Buy consensus. The stock trades about 5% above its 52-week low.
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.
| Date | Intact Financial Price |
|---|---|
| 9/18/2026 | 258.34 CAD |
| 9/17/2026 | 260.22 CAD |
| 9/16/2026 | 257.36 CAD |
| 9/15/2026 | 254.89 CAD |
| 9/14/2026 | 259.38 CAD |
| 9/11/2026 | 255.53 CAD |
| 9/10/2026 | 255.53 CAD |
| 9/9/2026 | 258.17 CAD |
| 9/8/2026 | 259.19 CAD |
| 9/4/2026 | 266.69 CAD |
| 9/3/2026 | 268.79 CAD |
| 9/2/2026 | 271.39 CAD |
| 9/1/2026 | 269.50 CAD |
| 8/31/2026 | 268.56 CAD |
| 8/28/2026 | 266.89 CAD |
| 8/27/2026 | 267.92 CAD |
| 8/26/2026 | 266.14 CAD |
| 8/25/2026 | 268.15 CAD |
| 8/24/2026 | 266.37 CAD |
| 8/21/2026 | 264.62 CAD |
| 8/20/2026 | 262.86 CAD |
| 8/19/2026 | 263.15 CAD |
| 8/18/2026 | 265.79 CAD |
| 8/14/2026 | 267.92 CAD |
| 8/13/2026 | 272.58 CAD |
| 8/12/2026 | 274.14 CAD |
| 8/11/2026 | 276.17 CAD |
| 8/10/2026 | 278.32 CAD |
| 8/7/2026 | 279.39 CAD |
| 8/6/2026 | 280.00 CAD |
Intact Financial Revenue, EBIT, Net Income
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Intact Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB CAD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEB CAD |
| EBITB CAD |
| EBIT MARGIN% |
| NET INCOMEB CAD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.CAD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7.45 | 7.94 | 8.09 | 8.51 | 9.36 | 10.58 | 11.35 | 12.46 | 17.58 | 22.54 | 23.29 | 24.98 | 26.07 | 24.36 | 25.78 | 27.28 |
| 5.30 | 6.59 | 1.91 | 5.18 | 10.00 | 12.97 | 7.31 | 9.81 | 41.04 | 28.23 | 3.33 | 7.27 | 4.36 | -6.55 | 5.82 | 5.81 |
| 38.19 | 42.07 | 42.42 | 39.98 | 40.45 | 40.05 | 38.42 | 44.77 | 48.98 | 16.26 | 12.85 | 16.13 | 21.84 | 21.84 | 21.84 | 21.84 |
| 2.85 | 3.34 | 3.43 | 3.40 | 3.79 | 4.24 | 4.36 | 5.58 | 8.61 | 3.66 | 2.99 | 4.03 | 5.69 | 5.32 | 5.63 | 5.96 |
| 0.47 | 0.96 | 0.88 | 0.69 | 0.94 | 0.89 | 0.83 | 1.36 | 2.57 | 3.18 | 2.03 | 3.07 | 4.50 | 3.82 | 4.13 | 4.21 |
| 6.24 | 12.05 | 10.81 | 8.06 | 10.06 | 8.38 | 7.34 | 10.91 | 14.61 | 14.13 | 8.70 | 12.28 | 17.26 | 15.68 | 16.02 | 15.43 |
| 0.43 | 0.78 | 0.71 | 0.54 | 0.79 | 0.71 | 0.75 | 1.08 | 2.07 | 2.45 | 1.32 | 2.30 | 3.37 | 3.01 | 3.33 | 3.44 |
| -24.52 | 81.44 | -9.72 | -23.37 | 46.40 | -10.73 | 6.65 | 43.50 | 91.04 | 18.72 | -46.37 | 74.54 | 46.50 | -10.61 | 10.64 | 3.25 |
| 1.76 | 1.92 | 2.12 | 2.32 | 2.56 | 2.80 | 3.04 | 3.32 | 3.40 | 4.00 | 4.40 | 4.84 | 5.32 | 5.88 | 6.46 | 7.10 |
| 10.00 | 9.09 | 10.42 | 9.43 | 10.34 | 9.37 | 8.57 | 9.21 | 2.41 | 17.65 | 10.00 | 10.00 | 9.92 | 10.53 | 9.86 | 9.91 |
| 131.50 | 131.50 | 131.50 | 131.05 | 139.20 | 139.20 | 143.00 | 143.02 | 176.10 | 175.40 | 178.30 | 178.60 | 178.00 | 178.00 | 178.00 | 178.00 |
Details
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
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
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 Intact Financial'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 Intact Financial'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 Intact Financial'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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Current Intact Financial forecasts and price targets in September 2026
Analyst Price Targets 2026Intact Financial Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 10/12/2022 | Downgrade | BuyNeutral | 49 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
Intact Financial Earnings Calls
Intact Financial Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 11/3/2026 | 4.30CAD | - | 6.08 BCAD | - | 2026 Q3 |
| 7/28/2026 | 3.42CAD | 3.13CAD | 5.99 BCAD | - | 2026 Q2 |
| 5/5/2026 | 4.09CAD | 4.26CAD | 6.14 BCAD | - | 2026 Q1 |
| 2/10/2026 | 4.66CAD | 5.46CAD | 6.17 BCAD | - | 2025 Q4 |
| 11/3/2025 | 4.35CAD | 4.49CAD | 6.45 BCAD | - | 2025 Q3 |
| 7/28/2025 | 4.09CAD | 5.29CAD | 6.98 BCAD | - | 2025 Q2 |
| 5/5/2025 | 3.43CAD | 3.88CAD | 5.39 BCAD | - | 2025 Q1 |
| 2/11/2025 | 4.13CAD | 4.86CAD | 5.72 BCAD | - | 2024 Q4 |
| 11/5/2024 | 0.44CAD | 1.01CAD | 6.37 BCAD | - | 2024 Q3 |
| 7/30/2024 | 3.52CAD | 4.86CAD | 6.70 BCAD | - | 2024 Q2 |
EESG©
Eulerpool ESG Scorecard© for the Intact Financial stock
EEnvironment
Environment
SSocial
Social
GGovernance (Corporate Governance)
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Intact Financial Beneficial Ownership Filings (SEC 13D/G)
Intact Financial Executives and Management Board
28 members · avg. age 61 · 36 % women
Mr. Charles Brindamour (54)
Chief Executive Officer, Director
17.76 M CAD
Management
Dr. Louis Gagnon
Chief Executive Officer, Canada
Mr. Ken Norgrove
Chief Executive Officer, UK & International
Mr. Emmanuel Clarke (54)
Chief Executive Officer - Global Specialty Lines · since 2021
Mr. Kenneth Anderson
Chief Financial Officer, Executive Vice President
Mr. Aaron Belair
president of Technology - North American Operations
Ms. Anne Fortin
President - Intact Insurance
Board of Directors
Mr. Timothy Miller (66)
Director, Chairman - Global Specialty Lines · since 2017
Mr. William Young (70)
Independent Chairman of the Board
Ms. Sylvie Paquette (65)
Independent Director
Mr. Robert Leary (64)
Independent Director
Mr. Frederick Singer (62)
Independent Director
Mr. Stuart Russell (63)
Independent Director
Intact Financial Supply Chain
Intact Financial Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | -0.23 | -0.36 | 0.79 |
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 Corp is primarily active in the insurance industry.
The main competitors of Intact Financial Corp in the market include companies such as Sun Life Financial, Manulife Financial, and Fairfax Financial Holdings.
Intact Financial Corp, a leading provider of property and casualty insurance in Canada, has a rich history and background. Founded in 1809 as Halifax Fire Insurance Association, it has transformed over the years through various mergers and acquisitions. In 1987, it became Westmount Financial Group and later acquired various insurance companies, including Trafalgar Insurance Company and Nordic Insurance Company. In 2009, the company adopted its current name, Intact Financial Corp, reflecting its focus on integrity and reliability. With a strong presence across Canada, Intact offers a wide range of insurance products and services for individuals and businesses. It is committed to delivering exceptional customer experiences and fostering partnerships within the communities it serves.
Intact Financial Corp has achieved several significant milestones throughout its history. The company displayed strong financial performance, consistently delivering positive results and steady growth. It expanded its operations by acquiring Trafalgar Insurance Company, adding to its market presence and diversifying its product offerings. Intact Financial Corp also gained recognition for its dedication to corporate social responsibility, being named one of Canada's Best Employers and receiving awards for its sustainability efforts. Furthermore, the company successfully implemented digital advancements, enhancing customer experiences and improving operational efficiency. Overall, Intact Financial Corp's milestones exemplify its commitment to excellence and innovation in the insurance industry.
Intact Financial Corp is primarily present in Canada, where it is the largest provider of property and casualty insurance. With its headquarters in Toronto, the company operates throughout all the provinces and territories of Canada. Intact Insurance and belairdirect are the main brands under Intact Financial Corp, serving millions of customers across the country. As a leading provider of insurance products and services, Intact Financial Corp focuses on delivering innovative solutions to meet the needs of both individual and business clients in Canada.
Intact Financial Corp represents the values of integrity, customer focus, and innovation. With a strong commitment to its customers and stakeholders, the company strives to provide exceptional insurance and financial services. Intact believes in acting with honesty and transparency in all its operations, ensuring trust and reliability. The company also fosters a culture of continuous improvement and innovation, seeking new ways to enhance customer experiences and meet evolving needs. Through its dedication to these core values, Intact Financial Corp actively contributes to the well-being and success of its customers, employees, and communities.
Analysts currently set an average price target of 325.22 CAD for the Intact Financial stock (median: 326.40 CAD), implying +25.5 % versus the latest price. The consensus is based on 18 analyst ratings.
18 analysts currently rate the Intact Financial stock: 12 recommend buying, 6 holding and 0 selling. For 2026, analysts expect Intact Financial to generate revenue of 24.36 B CAD and earnings per share of 16.90 CAD.
Converted at the current exchange rate, the Intact Financial share trades at 160.85 EUR (258.34 CAD).
The Intact Financial share (IFC.TO) is listed on 4 stock exchanges, including: Toronto (IFC.TO), Frankfurt (I5U.F), München (I5U.MU).
Intact Financial Corporation is a leading Canadian company specializing in property and casualty insurance. The company was founded in 2004 and has since experienced significant growth. Intact is listed on the Toronto Stock Exchange and the New York Stock Exchange and has its headquarters in Toronto, Canada. Intact's business model combines a comprehensive product offering with a strong presence throughout Canada to provide its customers with the best possible insurance solution. Intact offers insurance solutions for both personal and commercial customers, covering a variety of industries including auto, home, business, liability, and specialized insurance. The company is also able to create customized insurance solutions for customers with specific requirements. An important factor of Intact's business model is diversification. The company has various business divisions and brands such as belairdirect, Grey Power, BrokerLink, and OneBeacon Insurance Group. This allows Intact to serve a broad and diverse customer base and leverage market opportunities. The company also has a strategy of geographic diversification, meaning it has a presence in all provinces and territories in Canada, as well as the United States. Another strength of Intact is its advanced technology. The company has made significant investments in its IT infrastructure and digital capabilities to adapt to the digital market's needs. For example, Intact has created an online platform where customers can submit applications, obtain rate quotes, and manage their insurance premiums. The platform connects customers directly with insurance brokers and provides a personalized experience. The company also excels in claims assessment and processing. Intact has built a network of claims adjusters and experts to respond quickly to damages and provide fast resolution to customers. Additionally, Intact collaborates closely with auto repair shops and damage restorers to ensure that customers always receive the best service. In addition, Intact invests in sustainability and corporate social responsibility. The company aims to reduce environmental impacts by focusing on energy efficiency, renewable energy, and waste reduction. Intact also engages in various initiatives to support communities throughout Canada, such as fundraising campaigns or employee volunteering. Overall, Intact Financial Corporation's business model is robust and diversified, focused on comprehensive insurance solutions, technology, and claims processing. The combination of industry diversity, geographic diversification, advanced technology, and strong customer service has made Intact a leading insurance provider in Canada.
The expected revenue of Intact Financial is 24.36 B CAD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Intact Financial is 3.01 B CAD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Intact Financial is currently 15.28. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Intact Financial stock.
The price-to-sales ratio (P/S) of Intact Financial is currently 1.89. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Intact Financial stock.
The Eulerpool Quality Score for Intact Financial is 7/10.
The ISIN of Intact Financial is CA45823T1066. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Intact Financial is A0RNQW. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Intact Financial is IFC.TO. The ticker symbol is used to trade Intact Financial shares on the stock exchange.
Over the past 12 months, Intact Financial paid a dividend of 5.32 CAD . This corresponds to a dividend yield of about 2.06 %. For the coming 12 months, Intact Financial is expected to pay a dividend of 6.46 CAD.
The current dividend yield of Intact Financial is 2.06 %.
Intact Financial pays a dividend, distributed in the months of September, December, March, June.
Intact Financial paid dividends every year for the past 21 years.
For the upcoming 12 months, dividends amounting to 6.46 CAD are expected. This corresponds to a dividend yield of 2.49 %.
Intact Financial is assigned to the 'Finance' sector.
In the year 2025, Intact Financial distributed 5.32 CAD as dividends.
The dividends of Intact Financial are distributed in CAD.
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 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. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.