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How does IFC-PA.TO make money? Does IFC-PA.TO have pricing power? What's the Earnings Whisper? Will IFC-PA.TO profit more as the business scales? What is IFC-PA.TO's management track record? Is IFC-PA.TO's current price justified?

Intact Financial Corporation

CAD 23.83 +$2.25 (+10.43%)

TSX · 14 Sep 2026 20:00 UTC

Previous Close

CAD 23.83

Day Range

CAD 23.8CAD 23.83

Year Range

CAD 21.25CAD 24.1

Market Cap

50.94B

AVG Volume

4.77K

Trailing/Forward PE

14.41/1.28

PEG ratio

1.36

Dividend Yield

2.16%

Next Earnings Date

2026-11-03

Primary Exchange

Toronto Stock Exchange

Revenue (CAD)

IFC-PA.TO Revenue (CAD) by quarter
Period	Revenue (CAD)
26 Q2	6.72B
26 Q1	7.3B
25 Q4	6.64B
25 Q3	6.7B
25 Q2	6.33B
25 Q1	6.4B
24 Q4	6.14B
24 Q3	6.8B
24 Q2	5.74B
24 Q1	5.59B

Net Income (CAD)

IFC-PA.TO Net Income (CAD) by quarter
Period	Net Income (CAD)
26 Q2	720M
26 Q1	752M
25 Q4	961M
25 Q3	861M
25 Q2	867M
25 Q1	676M
24 Q4	667M
24 Q3	207M
24 Q2	750M
24 Q1	673M

Operating Income (CAD)

IFC-PA.TO Operating Income (CAD) by quarter
Period	Operating Income (CAD)
26 Q2	937M
26 Q1	960M
25 Q4	1.21B
25 Q3	1.12B
25 Q2	1.13B
25 Q1	849M
24 Q4	838M
24 Q3	229M
24 Q2	981M
24 Q1	830M

EBITDA (CAD)

IFC-PA.TO EBITDA (CAD) by quarter
Period	EBITDA (CAD)
26 Q2	1.16B
26 Q1	1.19B
25 Q4	1.46B
25 Q3	1.37B
25 Q2	1.41B
25 Q1	1.09B
24 Q4	1.08B
24 Q3	459M
24 Q2	1.22B
24 Q1	1.07B

Cash Flows (CAD)

IFC-PA.TO Cash Flows (CAD) by quarter
Period	Cash Flows (CAD)
26 Q2	942M
26 Q1	272M
25 Q4	841M
25 Q3	1.55B
25 Q2	1.05B
25 Q1	489M
24 Q4	975M
24 Q3	993M
24 Q2	819M
24 Q1	171M

EPS (CAD)

IFC-PA.TO EPS (CAD) by quarter
Period	EPS (CAD)
26 Q2	3.9
26 Q1	4.12
25 Q4	5.24
25 Q3	4.73
25 Q2	4.7
25 Q1	3.69
24 Q4	3.58
24 Q3	1.06
24 Q2	4.04
24 Q1	3.68

Expenses (CAD)

IFC-PA.TO Expenses (CAD) by quarter
Period	Expenses (CAD)
26 Q2	138M
26 Q1	154M
25 Q4	156M
25 Q3	127M
25 Q2	85M
25 Q1	89M
24 Q4	102M
24 Q3	109M
24 Q2	119M
24 Q1	99M

Cash & Debt (CAD)

IFC-PA.TO Cash & Debt (CAD) by quarter
Period	Cash & Debt (CAD)
26 Q2	19.4B
26 Q1	19.65B
25 Q4	18.92B
25 Q3	19.74B
25 Q2	19.51B
25 Q1	19.47B
24 Q4	18.9B
24 Q3	18.65B
24 Q2	18.84B
24 Q1	2.94B

Debt ratios

IFC-PA.TO Debt ratios by quarter
Period	Debt ratios
26 Q2	-2.77
26 Q1	-2.71
25 Q4	-2.57
25 Q3	-2.88
25 Q2	-3.48
25 Q1	-3.63
24 Q4	-3.51
24 Q3	-3.49
24 Q2	-3.69
24 Q1	0.9

Margins

IFC-PA.TO Margins by quarter
Period	Margins
26 Q2	17.78%
26 Q1	100%
25 Q4	24.54%
25 Q3	21.44%
25 Q2	23.74%
25 Q1	17.59%
24 Q4	20.6%
24 Q3	7.75%
24 Q2	20.8%
24 Q1	18.69%

Return on Capital

IFC-PA.TO Return on Capital by quarter
Period	Return on Capital
26 Q2	3.32%
26 Q1	3.54%
25 Q4	4.61%
25 Q3	4.31%
25 Q2	4.51%
25 Q1	3.6%
24 Q4	3.68%
24 Q3	1.16%
24 Q2	4.26%
24 Q1	3.95%

Shares Outstanding

IFC-PA.TO Shares Outstanding by quarter
Period	Shares Outstanding
26 Q2	176.7M
26 Q1	177.4M
25 Q4	177.7M
25 Q3	178.2M
25 Q2	178.3M
25 Q1	178.3M
24 Q4	178.4M
24 Q3	178.4M
24 Q2	178.3M
24 Q1	178.3M

Dividends (CAD)

IFC-PA.TO Dividends (CAD) by quarter
Period	Dividends (CAD)
Sep 26	0.3
Jun 26	0.3
Mar 26	0.3
Dec 25	0.3
Sep 25	0.3
Jun 25	0.3
Mar 25	0.3
Dec 24	0.3
Sep 24	0.3
Jun 24	0.3

Book Value Per Share (CAD)

IFC-PA.TO Book Value Per Share (CAD) by quarter
Period	Book Value Per Share (CAD)
26 Q2	122.9
26 Q1	119.9
25 Q4	117.25
25 Q3	112.02
25 Q2	107.77
25 Q1	105.26
24 Q4	101.73
24 Q3	99.66
24 Q2	98.71
24 Q1	95.49

Total Assets (CAD)

IFC-PA.TO Total Assets (CAD) by quarter
Period	Total Assets (CAD)
26 Q2	64.28B
26 Q1	62.86B
25 Q4	62.87B
25 Q3	62.97B
25 Q2	60.85B
25 Q1	60.58B
24 Q4	59.53B
24 Q3	59.3B
24 Q2	56.53B
24 Q1	56.44B

PE Ratio

IFC-PA.TO PE Ratio by quarter
Period	PE Ratio
Sep 26	1.23
Sep 26	1.24
Aug 26	1.24
Aug 26	1.22
Aug 26	1.24
Aug 26	1.21
Jul 26	1.22
Jul 26	1.22
Jul 26	1.22
Jul 26	1.2
Jul 26	1.19
Jun 26	1.2
Jun 26	1.21
Jun 26	1.21
Jun 26	1.22
May 26	1.24
May 26	1.23
May 26	1.21
May 26	1.21
May 26	1.21
Apr 26	1.2
Apr 26	1.2
Apr 26	1.2
Apr 26	1.19
Mar 26	1.3
Mar 26	1.3
Mar 26	1.29
Mar 26	1.28
Feb 26	1.29
Feb 26	1.29
Feb 26	1.29
Feb 26	1.28
Jan 26	1.27
Jan 26	1.27
Jan 26	1.25
Jan 26	1.25
Jan 26	1.25
Dec 25	1.59
Dec 25	1.58
Dec 25	1.6
Dec 25	1.59
Nov 25	1.58
Nov 25	1.58
Nov 25	1.62
Nov 25	1.65
Oct 25	1.62
Oct 25	1.61
Oct 25	1.6
Oct 25	1.62
Oct 25	1.61
Sep 25	1.71
Sep 25	1.71
Sep 25	1.75
Sep 25	1.73
Aug 25	1.75
Aug 25	1.73
Aug 25	1.73
Aug 25	1.74
Aug 25	1.72
Jul 25	1.72
Jul 25	1.75
Jul 25	1.72
Jul 25	1.75
Jun 25	1.7
Jun 25	1.66
Jun 25	1.69
Jun 25	1.7
May 25	1.69
May 25	1.64
May 25	1.62
May 25	1.53
May 25	1.5
Apr 25	1.47
Apr 25	1.43
Apr 25	1.37
Apr 25	1.49
Mar 25	1.66
Mar 25	1.67
Mar 25	1.68
Mar 25	1.73
Feb 25	1.75
Feb 25	1.77
Feb 25	1.75
Feb 25	1.73
Jan 25	1.75
Jan 25	1.73
Jan 25	1.74
Jan 25	1.77
Jan 25	1.77
Dec 24	1.77
Dec 24	1.74
Dec 24	1.8
Dec 24	1.69
Nov 24	1.68
Nov 24	1.67
Nov 24	1.61
Nov 24	1.61
Nov 24	1.58
Oct 24	1.59
Oct 24	1.61

Free Cash Flow Yield

IFC-PA.TO Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 26	87.85%
Sep 26	87.05%
Aug 26	87.27%
Aug 26	88.15%
Aug 26	87.34%
Aug 26	89.39%
Jul 26	88.3%
Jul 26	88.71%
Jul 26	88.79%
Jul 26	90.01%
Jul 26	90.44%
Jun 26	97.75%
Jun 26	96.43%
Jun 26	96.64%
Jun 26	95.43%
May 26	94.17%
May 26	95.15%
May 26	96.18%
May 26	96.85%
May 26	96.64%
Apr 26	97.24%
Apr 26	97.28%
Apr 26	97.37%
Apr 26	98.36%
Mar 26	101.84%
Mar 26	101.56%
Mar 26	102.75%
Mar 26	103.08%
Feb 26	102.8%
Feb 26	102.75%
Feb 26	102.99%
Feb 26	103.45%
Jan 26	103.92%
Jan 26	104.21%
Jan 26	105.71%
Jan 26	105.51%
Jan 26	105.71%
Dec 25	91.22%
Dec 25	92.16%
Dec 25	90.68%
Dec 25	91.05%
Nov 25	91.78%
Nov 25	91.69%
Nov 25	89.73%
Nov 25	87.92%
Oct 25	89.64%
Oct 25	90.22%
Oct 25	90.8%
Oct 25	89.77%
Oct 25	90.22%
Sep 25	83.52%
Sep 25	83.21%
Sep 25	81.52%
Sep 25	82.13%
Aug 25	81.59%
Aug 25	82.54%
Aug 25	82.54%
Aug 25	81.81%
Aug 25	82.91%
Jul 25	82.76%
Jul 25	81.41%
Jul 25	82.99%
Jul 25	81.33%
Jun 25	75.88%
Jun 25	77.66%
Jun 25	76.16%
Jun 25	75.75%
May 25	76.13%
May 25	78.69%
May 25	79.6%
May 25	84.04%
May 25	86.13%
Apr 25	87.4%
Apr 25	90.21%
Apr 25	94.21%
Apr 25	86.27%
Mar 25	63.06%
Mar 25	62.44%
Mar 25	62.16%
Mar 25	60.43%
Feb 25	59.6%
Feb 25	59.16%
Feb 25	59.6%
Feb 25	60.29%
Jan 25	59.77%
Jan 25	60.35%
Jan 25	59.94%
Jan 25	59.07%
Jan 25	58.94%
Dec 24	66.45%
Dec 24	67.67%
Dec 24	65.51%
Dec 24	69.84%
Nov 24	70.02%
Nov 24	70.47%
Nov 24	73.06%
Nov 24	73.17%
Nov 24	74.5%
Oct 24	74.26%
Oct 24	73.36%

Price to Sales

IFC-PA.TO Price to Sales by quarter
Period	Price to Sales
Sep 26	0.16
Sep 26	0.16
Aug 26	0.16
Aug 26	0.16
Aug 26	0.16
Aug 26	0.15
Jul 26	0.16
Jul 26	0.16
Jul 26	0.16
Jul 26	0.15
Jul 26	0.15
Jun 26	0.15
Jun 26	0.16
Jun 26	0.16
Jun 26	0.16
May 26	0.16
May 26	0.16
May 26	0.16
May 26	0.16
May 26	0.16
Apr 26	0.16
Apr 26	0.15
Apr 26	0.15
Apr 26	0.15
Mar 26	0.16
Mar 26	0.16
Mar 26	0.15
Mar 26	0.15
Feb 26	0.15
Feb 26	0.15
Feb 26	0.15
Feb 26	0.15
Jan 26	0.15
Jan 26	0.15
Jan 26	0.15
Jan 26	0.15
Jan 26	0.15
Dec 25	0.15
Dec 25	0.15
Dec 25	0.15
Dec 25	0.15
Nov 25	0.15
Nov 25	0.15
Nov 25	0.15
Nov 25	0.16
Oct 25	0.15
Oct 25	0.15
Oct 25	0.15
Oct 25	0.15
Oct 25	0.15
Sep 25	0.16
Sep 25	0.16
Sep 25	0.16
Sep 25	0.16
Aug 25	0.16
Aug 25	0.16
Aug 25	0.16
Aug 25	0.16
Aug 25	0.16
Jul 25	0.16
Jul 25	0.16
Jul 25	0.16
Jul 25	0.16
Jun 25	0.16
Jun 25	0.16
Jun 25	0.16
Jun 25	0.16
May 25	0.16
May 25	0.15
May 25	0.15
May 25	0.15
May 25	0.14
Apr 25	0.14
Apr 25	0.14
Apr 25	0.13
Apr 25	0.14
Mar 25	0.15
Mar 25	0.15
Mar 25	0.15
Mar 25	0.15
Feb 25	0.15
Feb 25	0.16
Feb 25	0.15
Feb 25	0.15
Jan 25	0.15
Jan 25	0.15
Jan 25	0.15
Jan 25	0.16
Jan 25	0.16
Dec 24	0.16
Dec 24	0.16
Dec 24	0.17
Dec 24	0.16
Nov 24	0.16
Nov 24	0.16
Nov 24	0.15
Nov 24	0.15
Nov 24	0.15
Oct 24	0.15
Oct 24	0.15

EV/EBITDA

IFC-PA.TO EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	-1.93
Sep 26	-1.92
Aug 26	-1.92
Aug 26	-1.93
Aug 26	-1.92
Aug 26	-1.94
Jul 26	-1.93
Jul 26	-1.94
Jul 26	-1.94
Jul 26	-1.95
Jul 26	-1.95
Jun 26	-1.81
Jun 26	-1.8
Jun 26	-1.8
Jun 26	-1.79
May 26	-1.78
May 26	-1.79
May 26	-1.8
May 26	-1.8
May 26	-1.8
Apr 26	-1.81
Apr 26	-1.81
Apr 26	-1.81
Apr 26	-1.82
Mar 26	-2.08
Mar 26	-2.07
Mar 26	-2.08
Mar 26	-2.09
Feb 26	-2.08
Feb 26	-2.08
Feb 26	-2.09
Feb 26	-2.09
Jan 26	-2.09
Jan 26	-2.1
Jan 26	-2.11
Jan 26	-2.1
Jan 26	-2.11
Dec 25	-2.53
Dec 25	-2.54
Dec 25	-2.53
Dec 25	-2.53
Nov 25	-2.54
Nov 25	-2.54
Nov 25	-2.52
Nov 25	-2.5
Oct 25	-2.52
Oct 25	-2.52
Oct 25	-2.53
Oct 25	-2.52
Oct 25	-2.52
Sep 25	-2.61
Sep 25	-2.61
Sep 25	-2.59
Sep 25	-2.59
Aug 25	-2.59
Aug 25	-2.6
Aug 25	-2.6
Aug 25	-2.59
Aug 25	-2.6
Jul 25	-2.6
Jul 25	-2.59
Jul 25	-2.6
Jul 25	-2.58
Jun 25	-2.49
Jun 25	-2.51
Jun 25	-2.49
Jun 25	-2.49
May 25	-2.49
May 25	-2.53
May 25	-2.54
May 25	-2.59
May 25	-2.61
Apr 25	-2.62
Apr 25	-2.65
Apr 25	-2.69
Apr 25	-2.61
Mar 25	-2.52
Mar 25	-2.51
Mar 25	-2.51
Mar 25	-2.48
Feb 25	-2.46
Feb 25	-2.46
Feb 25	-2.46
Feb 25	-2.48
Jan 25	-2.47
Jan 25	-2.48
Jan 25	-2.47
Jan 25	-2.46
Jan 25	-2.45
Dec 24	-2.65
Dec 24	-2.67
Dec 24	-2.64
Dec 24	-2.7
Nov 24	-2.71
Nov 24	-2.71
Nov 24	-2.75
Nov 24	-2.75
Nov 24	-2.76
Oct 24	-2.76
Oct 24	-2.75

Price/Operating Cashflow

IFC-PA.TO Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Sep 26	1
Sep 26	1.01
Aug 26	1
Aug 26	0.99
Aug 26	1
Aug 26	0.98
Jul 26	0.99
Jul 26	0.99
Jul 26	0.99
Jul 26	0.97
Jul 26	0.97
Jun 26	0.92
Jun 26	0.93
Jun 26	0.93
Jun 26	0.94
May 26	0.95
May 26	0.94
May 26	0.93
May 26	0.92
May 26	0.93
Apr 26	0.92
Apr 26	0.92
Apr 26	0.92
Apr 26	0.91
Mar 26	0.89
Mar 26	0.9
Mar 26	0.89
Mar 26	0.88
Feb 26	0.89
Feb 26	0.89
Feb 26	0.88
Feb 26	0.88
Jan 26	0.88
Jan 26	0.87
Jan 26	0.86
Jan 26	0.86
Jan 26	0.86
Dec 25	0.99
Dec 25	0.98
Dec 25	0.99
Dec 25	0.99
Nov 25	0.98
Nov 25	0.98
Nov 25	1
Nov 25	1.02
Oct 25	1.01
Oct 25	1
Oct 25	0.99
Oct 25	1
Oct 25	1
Sep 25	1.06
Sep 25	1.07
Sep 25	1.09
Sep 25	1.08
Aug 25	1.09
Aug 25	1.07
Aug 25	1.07
Aug 25	1.08
Aug 25	1.07
Jul 25	1.07
Jul 25	1.09
Jul 25	1.07
Jul 25	1.09
Jun 25	1.15
Jun 25	1.12
Jun 25	1.15
Jun 25	1.15
May 25	1.15
May 25	1.11
May 25	1.1
May 25	1.04
May 25	1.01
Apr 25	1
Apr 25	0.97
Apr 25	0.93
Apr 25	1.01
Mar 25	1.33
Mar 25	1.34
Mar 25	1.35
Mar 25	1.38
Feb 25	1.4
Feb 25	1.41
Feb 25	1.4
Feb 25	1.39
Jan 25	1.4
Jan 25	1.39
Jan 25	1.39
Jan 25	1.42
Jan 25	1.42
Dec 24	1.27
Dec 24	1.25
Dec 24	1.29
Dec 24	1.21
Nov 24	1.21
Nov 24	1.2
Nov 24	1.16
Nov 24	1.16
Nov 24	1.14
Oct 24	1.14
Oct 24	1.15

Price to Book

IFC-PA.TO Price to Book by quarter
Period	Price to Book
Sep 26	0.2
Sep 26	0.2
Aug 26	0.2
Aug 26	0.2
Aug 26	0.2
Aug 26	0.2
Jul 26	0.2
Jul 26	0.2
Jul 26	0.2
Jul 26	0.19
Jul 26	0.19
Jun 26	0.19
Jun 26	0.2
Jun 26	0.2
Jun 26	0.2
May 26	0.2
May 26	0.2
May 26	0.2
May 26	0.19
May 26	0.2
Apr 26	0.19
Apr 26	0.19
Apr 26	0.19
Apr 26	0.19
Mar 26	0.2
Mar 26	0.2
Mar 26	0.2
Mar 26	0.2
Feb 26	0.2
Feb 26	0.2
Feb 26	0.2
Feb 26	0.2
Jan 26	0.2
Jan 26	0.2
Jan 26	0.19
Jan 26	0.19
Jan 26	0.19
Dec 25	0.2
Dec 25	0.2
Dec 25	0.2
Dec 25	0.2
Nov 25	0.2
Nov 25	0.2
Nov 25	0.2
Nov 25	0.21
Oct 25	0.2
Oct 25	0.2
Oct 25	0.2
Oct 25	0.2
Oct 25	0.2
Sep 25	0.21
Sep 25	0.21
Sep 25	0.21
Sep 25	0.21
Aug 25	0.21
Aug 25	0.21
Aug 25	0.21
Aug 25	0.21
Aug 25	0.21
Jul 25	0.21
Jul 25	0.21
Jul 25	0.21
Jul 25	0.21
Jun 25	0.21
Jun 25	0.21
Jun 25	0.21
Jun 25	0.22
May 25	0.21
May 25	0.21
May 25	0.2
May 25	0.19
May 25	0.19
Apr 25	0.19
Apr 25	0.18
Apr 25	0.17
Apr 25	0.19
Mar 25	0.2
Mar 25	0.2
Mar 25	0.2
Mar 25	0.21
Feb 25	0.21
Feb 25	0.21
Feb 25	0.21
Feb 25	0.21
Jan 25	0.21
Jan 25	0.21
Jan 25	0.21
Jan 25	0.21
Jan 25	0.21
Dec 24	0.21
Dec 24	0.21
Dec 24	0.22
Dec 24	0.2
Nov 24	0.2
Nov 24	0.2
Nov 24	0.19
Nov 24	0.19
Nov 24	0.19
Oct 24	0.19
Oct 24	0.19

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Intact Financial Corporation

Video analysis: IFC-PA.TO

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