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Intact Financial Corporation IFCZF

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202.04 USD +15.30 (+8.19%)

At closeNov 4, 2026, 4:00 PM EST

193.45 Day range 202.20
166.68 52-week range 226.09
YTD
-2.80%
1 year
+7.47%

Financial health

Altman Z-Score

1.67 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 2
  • P/B 1

Valuation

P/E 15.5×
FY 2016: 24.2×FY 2017: 18.2×FY 2018: 20.5×FY 2019: 27.4×FY 2020: 21.1×FY 2021: 13.3×FY 2022: 14.5×FY 2023: 30.9×FY 2024: 21.2×FY 2025: 15.5×
FY 2016 5y median 15.5× FY 2025
P/S 1.9×
FY 2016: 1.5×FY 2017: 1.5×FY 2018: 1.3×FY 2019: 1.7×FY 2020: 1.7×FY 2021: 1.5×FY 2022: 1.5×FY 2023: 1.5×FY 2024: 1.9×FY 2025: 1.9×
FY 2016 5y median 1.5× FY 2025
P/B 2.4×
FY 2016: 2.1×FY 2017: 1.9×FY 2018: 1.7×FY 2019: 2.2×FY 2020: 2.3×FY 2021: 1.7×FY 2022: 2.3×FY 2023: 2.2×FY 2024: 2.6×FY 2025: 2.4×
FY 2016 5y median 2.3× FY 2025
P/FCF 12.9×
FY 2016: 15.7×FY 2017: 20.4×FY 2018: 19.1×FY 2019: 16.6×FY 2020: 9.9×FY 2021: 9.5×FY 2022: 10.7×FY 2023: 25.7×FY 2024: 15.8×FY 2025: 12.9×
FY 2016 5y median 12.9× FY 2025
EV/EBITDA 10.3×
FY 2016: 15.9×FY 2017: 14.1×FY 2018: 13.4×FY 2019: 18.1×FY 2020: 13.6×FY 2021: 9.5×FY 2022: 10.4×FY 2023: 15.3×FY 2024: 13.4×FY 2025: 10.3×
FY 2016 5y median 10.4× FY 2025
EV/Sales 2.1×
FY 2016: 1.6×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 1.9×FY 2020: 1.9×FY 2021: 1.7×FY 2022: 1.7×FY 2023: 1.7×FY 2024: 2.1×FY 2025: 2.1×
FY 2016 5y median 1.7× FY 2025
FCF Yield 7.7%
FY 2016: 6.4%FY 2017: 4.9%FY 2018: 5.2%FY 2019: 6.0%FY 2020: 10.1%FY 2021: 10.5%FY 2022: 9.4%FY 2023: 3.9%FY 2024: 6.3%FY 2025: 7.7%
FY 2016 5y median 7.7% FY 2025

Profitability

Gross Margin 21.8%
FY 2016: 40.0%FY 2017: 40.5%FY 2018: 40.1%FY 2019: 38.4%FY 2020: 44.8%FY 2021: 49.0%FY 2022: 16.3%FY 2023: 12.8%FY 2024: 16.1%FY 2025: 21.8%
FY 2016 5y median 16.3% FY 2025
Operating Margin 16.5%
FY 2016: 8.1%FY 2017: 10.1%FY 2018: 8.4%FY 2019: 7.3%FY 2020: 10.9%FY 2021: 14.6%FY 2022: 13.3%FY 2023: 7.7%FY 2024: 11.5%FY 2025: 16.5%
FY 2016 5y median 13.3% FY 2025
Net Margin 12.9%
FY 2016: 6.4%FY 2017: 8.5%FY 2018: 6.7%FY 2019: 6.6%FY 2020: 8.7%FY 2021: 11.8%FY 2022: 10.9%FY 2023: 5.7%FY 2024: 9.2%FY 2025: 12.9%
FY 2016 5y median 10.9% FY 2025
ROE 16.1%
FY 2016: 8.9%FY 2017: 10.6%FY 2018: 9.1%FY 2019: 8.6%FY 2020: 11.3%FY 2021: 13.2%FY 2022: 15.9%FY 2023: 8.1%FY 2024: 12.7%FY 2025: 16.1%
FY 2016 5y median 13.2% FY 2025
ROIC 5.7%
FY 2016: 2.4%FY 2017: 3.0%FY 2018: 2.6%FY 2019: 2.5%FY 2020: 3.3%FY 2021: 2.8%FY 2022: 3.3%FY 2023: 2.3%FY 2024: 4.0%FY 2025: 5.7%
FY 2016 5y median 3.3% FY 2025
ROA 5.4%
FY 2016: 2.4%FY 2017: 2.8%FY 2018: 2.5%FY 2019: 2.3%FY 2020: 3.1%FY 2021: 3.1%FY 2022: 3.8%FY 2023: 2.4%FY 2024: 3.9%FY 2025: 5.4%
FY 2016 5y median 3.8% FY 2025

Growth (YoY)

Revenue 4.4%
FY 2016: 5.2%FY 2017: 10.0%FY 2018: 13.0%FY 2019: 7.3%FY 2020: 9.8%FY 2021: 41.0%FY 2022: 28.2%FY 2023: 3.3%FY 2024: 7.3%FY 2025: 4.4%
FY 2016 FY 2025
Operating Income 49.7%
FY 2016: -21.6%FY 2017: 37.3%FY 2018: -5.9%FY 2019: -6.0%FY 2020: 63.1%FY 2021: 89.0%FY 2022: 17.1%FY 2023: -40.0%FY 2024: 59.5%FY 2025: 49.7%
FY 2016 FY 2025
EPS (diluted) 48.5%
FY 2016: -23.7%FY 2017: 44.8%FY 2018: -16.7%FY 2019: 6.1%FY 2020: 41.7%FY 2021: 72.2%FY 2022: 9.9%FY 2023: -48.7%FY 2024: 76.8%FY 2025: 48.5%
FY 2016 FY 2025
Free Cash Flow 32.9%
FY 2016: 0.6%FY 2017: -15.2%FY 2018: 4.8%FY 2019: 63.8%FY 2020: 86.6%FY 2021: 28.0%FY 2022: 16.1%FY 2023: -57.3%FY 2024: 113.1%FY 2025: 32.9%
FY 2016 FY 2025

Financial Health

Current Ratio 6.1×
FY 2016: 176×FY 2017: 62.6×FY 2018: 55.2×FY 2019: 15.7×FY 2020: 20.7×FY 2021: 13.4×FY 2022: 13.9×FY 2023: 3.0×FY 2024: 10.7×FY 2025: 6.1×
FY 2016 5y median 10.7× FY 2025
Quick Ratio 6.1×
FY 2016: 304×FY 2017: 111×FY 2018: 99.7×FY 2019: 15.7×FY 2020: 20.7×FY 2021: 17.9×FY 2022: 14.7×FY 2023: 3.0×FY 2024: 10.7×FY 2025: 6.1×
FY 2016 5y median 10.7× FY 2025
Debt / Equity 0.3×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 0.8×
FY 2016: 1.4×FY 2017: 1.8×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.7×FY 2024: 1.2×FY 2025: 0.8×
FY 2016 5y median 1.1× FY 2025
Interest Coverage 19.1×
FY 2016: 9.5×FY 2017: 11.5×FY 2018: 8.6×FY 2019: 7.6×FY 2020: 11.8×FY 2021: 16.8×FY 2022: 17.0×FY 2023: 8.1×FY 2024: 13.0×FY 2025: 19.1×
FY 2016 5y median 16.8× FY 2025

Dividends

Dividend Yield 2.0%
FY 2016: 2.6%FY 2017: 2.7%FY 2018: 3.1%FY 2019: 2.4%FY 2020: 2.4%FY 2021: 2.5%FY 2022: 2.2%FY 2023: 2.4%FY 2024: 2.0%FY 2025: 2.0%
FY 2016 5y median 2.2% FY 2025
Payout Ratio 30.8%
FY 2016: 59.9%FY 2017: 47.7%FY 2018: 60.8%FY 2019: 62.9%FY 2020: 48.7%FY 2021: 32.8%FY 2022: 31.1%FY 2023: 65.5%FY 2024: 41.5%FY 2025: 30.8%
FY 2016 5y median 32.8% FY 2025

Annual · latest fiscal year ends 2025-12-31