# Intact Financial Corporation (IFC.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Insurance. Price C$266.05, market value C$46.9 billion.

## Valuation
- **P/E (trailing): 14.8×** (5-yr avg 17.8×, 3-yr avg 21.2×). Intact Financial Corporation trades at 14.8× trailing earnings, close to its own five-year average of 17.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 14.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.29**. A PEG of 0.29 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.7×**. Each dollar of revenue is priced at 1.7×.
- **Price / book: 2.3×**. The shares trade at 2.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.7%** (5-yr avg 8.0%). Free cash flow equals 7.7% of the market value, in line with its five-year average of 8.0%. Above 5% is generally attractive.
- **Earnings yield: 6.8%**. The inverse of the P/E: 6.8% of the price is earned each year.

## Profitability
- **Net margin: 12.9%**. 12.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 16.1%**. 16.1% on shareholders' equity is solid.
- **Return on assets: 5.2%**. Each dollar of assets produces 5.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 4.4%** (3-yr 5.0%/yr, 5-yr 15.9%/yr). Revenue grew 4.4% over the last year, against 15.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 48.5%** (3-yr 10.4%/yr, 5-yr 20.6%/yr). Earnings per share rose 48.5%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 6.5%/yr**. Free cash flow has compounded at 6.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: C$18.9 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.21%** (C$5.60 per share, trailing). Intact Financial Corporation yields 2.21%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 31%** (30% of free cash flow). 31% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 9.9%/yr** (1-yr 9.9%). The dividend has grown 9.9% a year over five years.
- **Shareholder yield: 3.6%**. Dividends plus net buybacks return 3.6% of the market value a year.

## Price and momentum
- **Total return (1 yr): -1.5%** (YTD -5.8%, 3-mo -3.1%). The shares are down 1.5% over twelve months including dividends.
- **From 52-week high: -12.9%** (9.5% above the low). Trading 13% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 40**. An RSI of 40 is neutral.
- **Beta (1 yr): 0.17** (volatility 21%). Beta of 0.17 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=IFC.TO · Page: https://foliofundamentals.com/stocks/ifc.to

Not investment advice.