Intact Financial Corp
Intact Financial Corp
IFC
TSX
253.63
CAD
-5.58%
Dividends
Payment date
31 Dec 2024
Ex-date
16 Dec 2024
Amount
1.21 CAD
About
Intact Financial Corporation is a Canada-based company, which provides property and casualty (P&C) insurance. The Company's segment includes Canada, US and UK & International. The Canada segment is engaged in the underwriting of automobile, home and business insurance contracts to individuals and businesses in Canada distributed through a network of brokers and directly consumers.
The UK & International segment is engaged in underwriting of automobile, home, pet and business insurance contracts to individuals and businesses in the United Kingdom, Europe, Ireland and Middle East, as well as internationally. The Company distributes insurance through a network of affinity partners and brokers or directly to consumers.
The US segment is engaged in the underwriting of specialty contracts mainly to small and midsize businesses in the United States. In Canada, the Company distributes insurance under the Intact Insurance brand through a network of brokers..
Financials Amount (in millions)
Income statement
Balance sheet
Cash flow
Ratios
| Price and Volume | |
|---|---|
| Volume | |
| Ten Day Average Volume | 215.7K |
| Three Month Average Volume | 5.6M |
| High Low | |
| Fifty-Two Week High | 263.74 CAD |
| Fifty-Two Week Low | 188.22 CAD |
| Fifty-Two Week High Date | 31 Jul 2024 |
| Fifty-Two Week Low Date | 07 Sep 2023 |
| Price and Volume | |
| Current Price | 253.63 CAD |
| Beta | 1 |
| Relative Price Change | |
| Four Week Relative Price Change | -2.14% |
| Thirteen Week Relative Price Change | 6.09% |
| Twenty-Six Week Relative Price Change | 2.91% |
| Fifty-Two Week Relative Price Change | 15.73% |
| Year-to-Date Relative Price Change | 11.69% |
| Price Change | |
| One Day Price Change | 0.79% |
| Thirteen Week Price Change | 11.22% |
| Twenty-Six Week Price Change | 11.48% |
| Five Day Price Change | 0.44% |
| Fifty-Two Week Price Change | 33.14% |
| Year-to-Date Price Change | 24.41% |
| Month-to-Date Price Change | 1.09% |
| Per Share Data | |
|---|---|
| Book Value | |
| Book Value Per Share (Last Fiscal Year) | 90.79139 CAD |
| Book Value Per Share (Most Recent Quarter) | 97.07678 CAD |
| Tangible Book Value Per Share (Last Fiscal Year) | 39.58034 CAD |
| Tangible Book Value Per Share (Most Recent Quarter) | 44.16251 CAD |
| EBITD | |
| EBITD Per Share (Trailing Twelve Months) | 25.72714 CAD |
| Revenue | |
| Revenue Per Share (Last Fiscal Year) | 145.8002 CAD |
| Revenue Per Share (Trailing Twelve Months) | 145.9916 CAD |
| Dividend | |
| Dividend Per Share (Last Fiscal Year) | 4.4 CAD |
| Dividend Per Share (Trailing Twelve Months) | 4.62 CAD |
| Dividend Per Share (5 Year) | 3.632 CAD |
| Earnings Per Share | |
| Excluding Extraordinary Items (Last Fiscal Year) | 6.99205 CAD |
| Excluding Extraordinary Items (Trailing Twelve Months) | 11.33586 CAD |
| Normalized (Last Fiscal Year) | 9.09827 CAD |
| Basic Excluding Extraordinary Items (Last Fiscal Year) | 6.99205 CAD |
| Basic Excluding Extraordinary Items (Trailing Twelve Months) | 11.3404 CAD |
| Including Extraordinary Items (Last Fiscal Year) | 6.99205 CAD |
| Including Extraordinary Items (Trailing Twelve Months) | 11.33586 CAD |
| Cash | |
| Cash Per Share (Last Fiscal Year) | 6.56681 CAD |
| Cash Per Share (Most Recent Quarter) | 9.45258 CAD |
| Cash Flow Per Share (Last Fiscal Year) | 10.46538 CAD |
| Cash Flow Per Share (Trailing Twelve Months) | 15.15612 CAD |
| Free Cash Flow Per Share (Trailing Twelve Months) | 8.85513 CAD |
| Margins | |
|---|---|
| Cash Flow Revenue | |
| Cash Flow Revenue (5 Year) | 8 |
| Cash Flow Revenue (Trailing Twelve Months) | 6 |
| Pretax Margin | |
| Pretax Margin (Trailing Twelve Months) | 10.52% |
| Pretax Margin (Last Fiscal Year) | 7.02% |
| Pretax Margin (5 Year) | 10.20% |
| Gross Margin | |
| Gross Margin (Last Fiscal Year) | -99,999.99% |
| Gross Margin (Trailing Twelve Months) | -99,999.99% |
| Gross Margin (5 Year) | -99,999.99% |
| Operating Margin | |
| Operating Margin (Last Fiscal Year) | 9.27% |
| Operating Margin (Trailing Twelve Months) | 12.82% |
| Operating Margin (5 Year) | 10.80% |
| Net Profit Margin | |
| Net Profit Margin (Last Fiscal Year) | 5.18% |
| Net Profit Margin (Trailing Twelve Months) | 8.19% |
| Net Profit Margin (5 Year) | 8.22% |
| Growth | |
|---|---|
| Book Value | |
| Book Value Per Share (5 Year) | 10.10% |
| Tangible Book Value (5 Year) | 17.06% |
| Free Operating Cash Flow | |
| Free Operating Cash Flow (5 Year) | 10.04% |
| Revenue | |
| Revenue Change MRQ vs 1 Year Ago | 5.00% |
| Revenue Growth (3 Year) | 19.39% |
| Revenue Change (Trailing Twelve Months) | 2.67% |
| Revenue Per Share Growth | 13.90% |
| Revenue Growth (5 Year) | 26.87% |
| Capital Spending Debt | |
| Capital Spending (5 Year) | 31.38% |
| Total Debt (5 Year) | 21.05% |
| Dividends | |
| Dividend Growth (3 Year) | 9.84% |
| Earnings Per Share | |
| EPS Change MRQ vs 1 Year Ago | 209.63% |
| EPS Change (Trailing Twelve Months) | 55.27% |
| EPS Growth (3 Year) | 7.56% |
| EPS Growth (5 Year) | -1.43% |
| EBITDA | |
| EBITDA (5 Year) | 25.07% |
| EBITDA (5 Year Interim) | 30.03% |
| Net Profit Margin | |
| Net Profit Margin Growth (5 Year) | -5.19% |
| Valuation | |
|---|---|
| Total Price to Book | |
| Price to Tangible Book (Last Fiscal Year) | 6 |
| Price to Tangible Book (Most Recent Quarter) | 6 |
| Price to Free Cash Flow | |
| Price to Free Cash Per Share (Last Fiscal Year) | 86 |
| Price to Free Cash Per Share (Trailing Twelve Months) | 29 |
| Net Debt | |
| Net Debt (Most Recent Quarter) | 3.8B |
| Net Debt (Last Fiscal Year) | 4.6B |
| Price to Sales | |
| Price to Sales (Last Fiscal Year) | 2 |
| Price to Sales (Trailing Twelve Months) | 2 |
| Price to Earnings | |
| PE Excluding Extraordinary Items (Last Fiscal Year) | 22 |
| PE Normalized (Last Fiscal Year) | 28 |
| PE Basic Excluding Extraordinary Items (Trailing Twelve Months) | 20 |
| PE Excluding Extraordinary Items High (Trailing Twelve Months) | 33 |
| PE Excluding Extraordinary Items Low (Trailing Twelve Months) | 12 |
| PE Including Extraordinary Items (Trailing Twelve Months) | 22 |
| Dividends | |
| Dividend Yield (5 Year) | 2.13% |
| Dividend Yield | 1.91% |
| Current Dividend Yield | 1.82% |
| Price to Book | |
| Price to Book (Last Fiscal Year) | 3 |
| Price to Book (Most Recent Quarter) | 3 |
| Financial Strength | |
|---|---|
| Debt to Equity | |
| Long Term Debt to Equity (Last Fiscal Year) | 31 |
| Long Term Debt to Equity (Most Recent Quarter) | 31 |
| Payout Ratio | |
| Payout Ratio (Last Fiscal Year) | 63.15% |
| Payout Ratio (Trailing Twelve Months) | 40.79% |
| Quick Ratio | |
| Quick Ratio (Last Fiscal Year) | -100,000 |
| Quick Ratio (Most Recent Quarter) | -100,000 |
| Enterprise Value | |
| Current Enterprise Value to Free Cash Flow (Last Fiscal Year) | -100,000 |
| Current Enterprise Value to Free Cash Flow (Trailing Twelve Months) | -100,000 |
| Current Ratio | |
| Current Ratio (Last Fiscal Year) | -100,000 |
| Current Ratio (Most Recent Quarter) | -100,000 |
| Free Cash Flow | |
| Free Cash Flow (Last Fiscal Year) | 526.0M |
| Free Cash Flow (Trailing Twelve Months) | 1.6B |
| Net Interest Coverage | |
| Net Interest Coverage (Last Fiscal Year) | 14 |
| Net Interest Coverage (Trailing Twelve Months) | 17 |
| Total Debt to Equity | |
| Total Debt to Equity (Last Fiscal Year) | 35 |
| Total Debt to Equity (Most Recent Quarter) | 32 |
| Management Effectiveness | |
|---|---|
| Return on Assets | |
| Return on Assets (Last Fiscal Year) | 2.43% |
| Return on Assets (Trailing Twelve Months) | 3.87% |
| Return on Assets (5 Year) | 3.36% |
| Return on Equity | |
| Return on Equity (Last Fiscal Year) | 8.47% |
| Return on Equity (Trailing Twelve Months) | 13.90% |
| Return on Equity (5 Year) | 13.24% |
| Return on Investment | |
| Return on Investment (Last Fiscal Year) | -99,999.99% |
| Return on Investment (Trailing Twelve Months) | -99,999.99% |
| Return on Investment (5 Year) | -99,999.99% |