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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 year
Period	Revenue (CAD)
2025	26.07B
2024	24.27B
2023	21.33B
2022	19.68B
2021	17.58B
2020	12.46B
2019	11.35B
2018	10.59B
2017	9.35B
2016	8.51B

Net Income (CAD)

IFC-PA.TO Net Income (CAD) by year
Period	Net Income (CAD)
2025	3.37B
2024	2.3B
2023	1.32B
2022	2.52B
2021	2.07B
2020	1.08B
2019	754M
2018	707M
2017	792M
2016	541M

Operating Income (CAD)

IFC-PA.TO Operating Income (CAD) by year
Period	Operating Income (CAD)
2025	4.31B
2024	2.88B
2023	1.8B
2022	3.06B
2021	2.57B
2020	1.36B
2019	833M
2018	886M
2017	942M
2016	686M

EBITDA (CAD)

IFC-PA.TO EBITDA (CAD) by year
Period	EBITDA (CAD)
2025	5.33B
2024	3.83B
2023	2.62B
2022	3.8B
2021	3.18B
2020	1.79B
2019	1.18B
2018	1.15B
2017	1.14B
2016	868M

Cash Flows (CAD)

IFC-PA.TO Cash Flows (CAD) by year
Period	Cash Flows (CAD)
2025	3.93B
2024	2.96B
2023	1.39B
2022	3.25B
2021	2.8B
2020	2.19B
2019	1.17B
2018	716M
2017	683M
2016	805M

EPS (CAD)

IFC-PA.TO EPS (CAD) by year
Period	EPS (CAD)
2025	18.36
2024	12.36
2023	6.97
2022	14.06
2021	12.68
2020	7.29
2019	5.13
2018	4.87
2017	5.82
2016	4

Expenses (CAD)

IFC-PA.TO Expenses (CAD) by year
Period	Expenses (CAD)
2025	457M
2024	429M
2023	458M
2022	411M
2021	327M
2020	163M
2019	117M
2018	117M
2017	98M
2016	120M

Cash & Debt (CAD)

IFC-PA.TO Cash & Debt (CAD) by year
Period	Cash & Debt (CAD)
2025	18.92B
2024	18.9B
2023	2.56B
2022	23.85B
2021	4.12B
2020	1.32B
2019	2.4B
2018	1.61B
2017	1.49B
2016	1.54B

Debt ratios

IFC-PA.TO Debt ratios by year
Period	Debt ratios
2025	-0.88
2024	-1
2023	0.28
2022	-1.87
2021	0.3
2020	0.41
2019	0.1
2018	0.15

Margins

IFC-PA.TO Margins by year
Period	Margins
2025	21.84%
2024	16.61%
2023	14.03%
2022	27.24%
2021	48.98%
2020	44.77%
2019	38.42%
2018	39.98%
2017	40.49%
2016	39.98%

Return on Capital

IFC-PA.TO Return on Capital by year
Period	Return on Capital
2025	16.15%
2024	12.66%
2023	7.99%
2022	16.07%
2021	12.32%
2020	11.29%
2019	8.62%
2018	9.05%
2017	10.61%
2016	8.89%

Shares Outstanding

IFC-PA.TO Shares Outstanding by year
Period	Shares Outstanding
2025	177.7M
2024	178.4M
2023	178.3M
2022	183.8M
2021	176.2M
2020	148.09M
2019	147.14M
2018	145.77M
2017	145.37M
2016	134.04M

Dividends (CAD)

IFC-PA.TO Dividends (CAD) by year
Period	Dividends (CAD)
2026	0.91
2025	1.21
2024	1.21
2023	1.21
2022	0.85
2021	0.85
2020	0.85
2019	0.85
2018	0.85
2017	1.05

Book Value Per Share (CAD)

IFC-PA.TO Book Value Per Share (CAD) by year
Period	Book Value Per Share (CAD)
2025	117.25
2024	101.73
2023	92.4
2022	85.34
2021	95.25
2020	64.71
2019	59.45
2018	53.58
2017	51.34
2016	45.42

Total Assets (CAD)

IFC-PA.TO Total Assets (CAD) by year
Period	Total Assets (CAD)
2025	62.87B
2024	59.53B
2023	55.98B
2022	53.74B
2021	66.35B
2020	35.12B
2019	32.29B
2018	28.46B
2017	27.84B
2016	22.87B

PE Ratio

IFC-PA.TO PE Ratio by year
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 year
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 year
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 year
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 year
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 year
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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