Intact Financial Corporation Logo

Intact Financial Corporation

IFC-PE.TO

(2.5)
Stock Price

21,70 CAD

4.48% ROA

12.86% ROE

21.56x PER

Market Cap.

45.514.925.520,00 CAD

27.84% DER

1.85% Yield

8.69% NPM

Intact Financial Corporation Stock Analysis

Intact Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Intact Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (36%), which means it has a small amount of debt compared to the ownership it holds

3 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROE

ROE in an average range (9.29%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (3.12%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

8 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (0) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Intact Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Intact Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Intact Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Intact Financial Corporation Revenue
Year Revenue Growth
2003 3.015.359.000
2004 3.780.886.000 20.25%
2005 4.446.068.000 14.96%
2006 4.406.376.000 -0.9%
2007 4.439.900.000 0.76%
2008 4.131.700.000 -7.46%
2009 4.241.300.000 2.58%
2010 4.668.900.000 9.16%
2011 5.503.000.000 15.16%
2012 7.074.000.000 22.21%
2013 7.371.000.000 4.03%
2014 7.940.000.000 7.17%
2015 8.048.000.000 1.34%
2016 8.511.000.000 5.44%
2017 9.325.000.000 8.73%
2018 10.599.000.000 12.02%
2019 11.349.000.000 6.61%
2020 12.462.000.000 8.93%
2021 17.482.000.000 28.72%
2022 21.151.000.000 17.35%
2023 21.548.000.000 1.84%
2023 22.089.000.000 2.45%
2024 27.660.000.000 20.14%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Intact Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Intact Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 276.681.000 100%
2005 405.349.000 31.74%
2006 443.225.000 8.55%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Intact Financial Corporation EBITDA
Year EBITDA Growth
2003 241.297.000
2004 899.701.000 73.18%
2005 1.137.165.000 20.88%
2006 965.893.000 -17.73%
2007 700.500.000 -37.89%
2008 123.600.000 -466.75%
2009 145.400.000 14.99%
2010 601.400.000 75.82%
2011 696.000.000 13.59%
2012 870.000.000 20%
2013 619.000.000 -40.55%
2014 1.117.000.000 44.58%
2015 1.049.000.000 -6.48%
2016 868.000.000 -20.85%
2017 1.139.000.000 23.79%
2018 1.147.000.000 0.7%
2019 735.000.000 -56.05%
2020 1.211.000.000 39.31%
2021 2.334.000.000 48.11%
2022 3.686.000.000 36.68%
2023 1.296.000.000 -184.41%
2023 2.363.000.000 45.15%
2024 -332.000.000 811.75%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Intact Financial Corporation Gross Profit
Year Gross Profit Growth
2003 3.015.359.000
2004 3.780.886.000 20.25%
2005 4.446.068.000 14.96%
2006 4.406.376.000 -0.9%
2007 4.439.900.000 0.76%
2008 4.131.700.000 -7.46%
2009 4.241.300.000 2.58%
2010 4.668.900.000 9.16%
2011 5.503.000.000 15.16%
2012 7.074.000.000 22.21%
2013 7.371.000.000 4.03%
2014 7.940.000.000 7.17%
2015 8.048.000.000 1.34%
2016 8.511.000.000 5.44%
2017 9.325.000.000 8.73%
2018 10.599.000.000 12.02%
2019 11.349.000.000 6.61%
2020 12.462.000.000 8.93%
2021 17.482.000.000 28.72%
2022 21.151.000.000 17.35%
2023 21.548.000.000 1.84%
2023 22.089.000.000 2.45%
2024 27.660.000.000 20.14%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Intact Financial Corporation Net Profit
Year Net Profit Growth
2003 150.487.000
2004 624.152.000 75.89%
2005 781.783.000 20.16%
2006 658.053.000 -18.8%
2007 508.300.000 -29.46%
2008 128.200.000 -296.49%
2009 126.700.000 -1.18%
2010 419.800.000 69.82%
2011 465.000.000 9.72%
2012 587.000.000 20.78%
2013 431.000.000 -36.19%
2014 782.000.000 44.88%
2015 706.000.000 -10.76%
2016 541.000.000 -30.5%
2017 792.000.000 31.69%
2018 707.000.000 -12.02%
2019 754.000.000 6.23%
2020 1.082.000.000 30.31%
2021 2.067.000.000 47.65%
2022 2.454.000.000 15.77%
2023 652.000.000 -276.38%
2023 1.316.000.000 50.46%
2024 3.000.000.000 56.13%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Intact Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 2
2004 7 83.33%
2005 6 -20%
2006 5 -25%
2007 4 0%
2008 1 -300%
2009 1 0%
2010 4 75%
2011 4 -33.33%
2012 4 25%
2013 3 -33.33%
2014 6 40%
2015 5 0%
2016 4 -66.67%
2017 6 40%
2018 5 0%
2019 5 0%
2020 7 28.57%
2021 12 41.67%
2022 14 7.69%
2023 0 0%
2023 7 100%
2024 16 62.5%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Intact Financial Corporation Free Cashflow
Year Free Cashflow Growth
2003 563.981.000
2004 1.372.649.000 58.91%
2005 580.303.000 -136.54%
2006 390.491.000 -48.61%
2007 572.900.000 31.84%
2008 570.100.000 -0.49%
2009 487.400.000 -16.97%
2010 462.300.000 -5.43%
2011 473.000.000 2.26%
2012 650.000.000 27.23%
2013 87.000.000 -647.13%
2014 1.281.000.000 93.21%
2015 800.000.000 -60.13%
2016 805.000.000 0.62%
2017 683.000.000 -17.86%
2018 716.000.000 4.61%
2019 1.173.000.000 38.96%
2020 2.189.000.000 46.41%
2021 2.802.000.000 21.88%
2022 3.254.000.000 13.89%
2023 1.388.000.000 -134.44%
2023 1.231.000.000 -12.75%
2024 819.000.000 -50.31%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Intact Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
2003 572.005.000
2004 1.386.864.000 58.76%
2005 637.446.000 -117.57%
2006 430.938.000 -47.92%
2007 620.300.000 30.53%
2008 619.700.000 -0.1%
2009 538.000.000 -15.19%
2010 500.500.000 -7.49%
2011 529.000.000 5.39%
2012 723.000.000 26.83%
2013 185.000.000 -290.81%
2014 1.378.000.000 86.57%
2015 889.000.000 -55.01%
2016 925.000.000 3.89%
2017 781.000.000 -18.44%
2018 833.000.000 6.24%
2019 1.290.000.000 35.43%
2020 2.352.000.000 45.15%
2021 3.129.000.000 24.83%
2022 3.665.000.000 14.62%
2023 1.846.000.000 -98.54%
2023 1.353.000.000 -36.44%
2024 938.000.000 -44.24%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Intact Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
2003 8.024.000
2004 14.215.000 43.55%
2005 57.143.000 75.12%
2006 40.447.000 -41.28%
2007 47.400.000 14.67%
2008 49.600.000 4.44%
2009 50.600.000 1.98%
2010 38.200.000 -32.46%
2011 56.000.000 31.79%
2012 73.000.000 23.29%
2013 98.000.000 25.51%
2014 97.000.000 -1.03%
2015 89.000.000 -8.99%
2016 120.000.000 25.83%
2017 98.000.000 -22.45%
2018 117.000.000 16.24%
2019 117.000.000 0%
2020 163.000.000 28.22%
2021 327.000.000 50.15%
2022 411.000.000 20.44%
2023 458.000.000 10.26%
2023 122.000.000 -275.41%
2024 119.000.000 -2.52%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Intact Financial Corporation Equity
Year Equity Growth
2003 989.072.000
2004 2.059.609.000 51.98%
2005 2.892.613.000 28.8%
2006 3.420.755.000 15.44%
2007 3.172.100.000 -7.84%
2008 2.632.600.000 -20.49%
2009 2.982.600.000 11.73%
2010 3.070.100.000 2.85%
2011 4.341.000.000 29.28%
2012 4.893.000.000 11.28%
2013 4.954.000.000 1.23%
2014 5.455.000.000 9.18%
2015 5.728.000.000 4.77%
2016 6.088.000.000 5.91%
2017 7.463.000.000 18.42%
2018 7.810.000.000 4.44%
2019 8.747.000.000 10.71%
2020 9.583.000.000 8.72%
2021 16.783.000.000 42.9%
2022 15.685.000.000 -7%
2023 16.475.000.000 4.8%
2023 15.677.000.000 -5.09%
2024 17.600.000.000 10.93%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Intact Financial Corporation Assets
Year Assets Growth
2003 6.906.785.000
2004 9.663.124.000 28.52%
2005 9.926.535.000 2.65%
2006 10.377.269.000 4.34%
2007 10.389.700.000 0.12%
2008 9.773.400.000 -6.31%
2009 11.351.300.000 13.9%
2010 12.148.900.000 6.57%
2011 19.753.000.000 38.5%
2012 19.813.000.000 0.3%
2013 19.774.000.000 -0.2%
2014 20.580.000.000 3.92%
2015 21.236.000.000 3.09%
2016 22.991.000.000 7.63%
2017 27.928.000.000 17.68%
2018 28.461.000.000 1.87%
2019 32.292.000.000 11.86%
2020 35.119.000.000 8.05%
2021 66.349.000.000 47.07%
2022 64.959.000.000 -2.14%
2023 55.979.000.000 -16.04%
2023 55.007.000.000 -1.77%
2024 56.535.000.000 2.7%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Intact Financial Corporation Liabilities
Year Liabilities Growth
2003 5.917.713.000
2004 7.603.515.000 22.17%
2005 7.033.922.000 -8.1%
2006 6.956.514.000 -1.11%
2007 7.217.600.000 3.62%
2008 7.140.800.000 -1.08%
2009 8.368.700.000 14.67%
2010 9.078.800.000 7.82%
2011 15.412.000.000 41.09%
2012 14.920.000.000 -3.3%
2013 14.820.000.000 -0.67%
2014 15.125.000.000 2.02%
2015 15.508.000.000 2.47%
2016 16.903.000.000 8.25%
2017 20.465.000.000 17.41%
2018 20.651.000.000 0.9%
2019 23.545.000.000 12.29%
2020 25.536.000.000 7.8%
2021 49.566.000.000 48.48%
2022 49.274.000.000 -0.59%
2023 39.504.000.000 -24.73%
2023 39.330.000.000 -0.44%
2024 38.935.000.000 -1.01%

Intact Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
144.87
Net Income per Share
11.83
Price to Earning Ratio
21.56x
Price To Sales Ratio
1.76x
POCF Ratio
15.47
PFCF Ratio
18.29
Price to Book Ratio
2.63
EV to Sales
1.91
EV Over EBITDA
37.42
EV to Operating CashFlow
16.75
EV to FreeCashFlow
19.81
Earnings Yield
0.05
FreeCashFlow Yield
0.05
Market Cap
45,51 Bil.
Enterprise Value
49,28 Bil.
Graham Number
160.8
Graham NetNet
-160.95

Income Statement Metrics

Net Income per Share
11.83
Income Quality
1.26
ROE
0.13
Return On Assets
0.04
Return On Capital Employed
0.05
Net Income per EBT
0.77
EBT Per Ebit
0.99
Ebit per Revenue
0.11
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.99
Operating Profit Margin
0.11
Pretax Profit Margin
0.11
Net Profit Margin
0.09

Dividends

Dividend Yield
0.02
Dividend Yield %
1.85
Payout Ratio
0.43
Dividend Per Share
4.73

Operating Metrics

Operating Cashflow per Share
16.5
Free CashFlow per Share
13.95
Capex to Operating CashFlow
0.15
Capex to Revenue
0.02
Capex to Depreciation
0.69
Return on Invested Capital
0.07
Return on Tangible Assets
0.04
Days Sales Outstanding
13.38
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
27.28
Payables Turnover
0
Inventory Turnover
0
Capex per Share
2.55

Balance Sheet

Cash per Share
110,41
Book Value per Share
98,71
Tangible Book Value per Share
45.78
Shareholders Equity per Share
97.11
Interest Debt per Share
28.33
Debt to Equity
0.28
Debt to Assets
0.09
Net Debt to EBITDA
2.86
Current Ratio
8.26
Tangible Asset Value
8,16 Bil.
Net Current Asset Value
-31,51 Bil.
Invested Capital
16789000000
Working Capital
6,52 Bil.
Intangibles to Total Assets
0.17
Average Receivables
0,99 Bil.
Average Payables
0,46 Bil.
Average Inventory
-12147000000
Debt to Market Cap
0.11

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Intact Financial Corporation Dividends
Year Dividends Growth
2017 1
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Intact Financial Corporation Profile

About Intact Financial Corporation

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, Ireland, rest of Europe, and the Middle East. It offers personal auto insurance; insurance for motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles; personal property insurance, such as protection for homes and contents from risks, including fire, theft, vandalism, water damage, and other damages, as well as personal liability coverage; and property coverage for tenants, condominium owners, non-owner occupied residences, and seasonal residences. The company also provides insurance products for commercial lines for a group of small and medium sized businesses; commercial property insurance for the protection of physical assets of the business; and liability coverages comprising commercial general, product, and professional liability, as well as cyber endorsement. In addition, it offers commercial vehicle insurance coverages for the protection for commercial auto, fleets, garage operations, light trucks, public vehicles, and the specific needs of the sharing economy. Further, the company provides various personal levels of coverage to customers for their home, motor, pet, and other insurance products; general insurance, specialty lines, and risk management solutions; specialty insurance products for various product and customer groups, including accident and health, technology, ocean and inland marine, public entities, and entertainment, as well as financial services and institutions; and various products to specialty property, surety, tuition reimbursement, management liability, cyber, and environmental institutions. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.

CEO
Mr. Charles Joseph Gaston Brin
Employee
30.000
Address
700 University Avenue
Toronto, M5G 0A1

Intact Financial Corporation Executives & BODs

Intact Financial Corporation Executives & BODs
# Name Age
1 Mr. Kenneth Norgrove
Chief Executive Officer of U.K.&I
70
2 Ms. Imen Zitouni
Senior Vice President & Chief Marketing Officer
70
3 Mr. Frederic Cotnoir
Executive Vice President, Chief Legal Officer & Secretary
70
4 Mr. Timothy Michael Miller
Chief Executive Officer of Global Specialty Lines
70
5 Mr. Patrick Barbeau
Chief Operating Officer
70
6 Ms. Carla Smith
Executive Vice President and Chief People, Strategy & Climate Officer
70
7 Mr. Kenneth Anderson
Executive Vice President & Chief Financial Officer of RSA UK and International
70
8 Mr. Charles Joseph Gaston Brindamour B.Sc.
Chief Executive Officer & Director
70
9 Mr. Louis Marcotte
Executive Vice President & Chief Financial Officer
70
10 Dr. Louis Gagnon MBA
Chief Executive Officer of Canada
70

Intact Financial Corporation Competitors