INFFF

Intact Financial Corporation

Financial Services · USD

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Price alert · INFFF

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16.00 USD 0.00 0.00%
As of Oct 29, 2026
16.00 Day range 16.00
16.00 52-week range 18.75
YTD
-14.67%
1 year
-14.67%
Open
16.00
Prev close
16.00
Mkt cap
3.33B
Vol
100
Avg vol
1
EPS
0.00
P/E
0.00
Div yield
0.00%
More statistics
Low
16.00
High
16.00
Beta
0.04
Dividend
0.9408
Earnings
Nov 3, 2026

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Financial health

Altman Z-Score

1.19 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.

Valuation

P/E 1.4×
FY 2016: 6.3×FY 2017: 4.1×FY 2018: 5.0×FY 2019: 4.8×FY 2020: 3.3×FY 2021: 1.9×FY 2022: 1.9×FY 2023: 3.3×FY 2024: 2.2×FY 2025: 1.4×
FY 2016 5y median 1.9× FY 2025
P/S 0.1×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
P/B 0.2×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
P/FCF 0.8×
FY 2016: 4.1×FY 2017: 4.6×FY 2018: 5.0×FY 2019: 2.9×FY 2020: 1.6×FY 2021: 1.4×FY 2022: 1.4×FY 2023: 3.2×FY 2024: 1.6×FY 2025: 0.8×
FY 2016 5y median 1.4× FY 2025
EV/EBITDA 1.4×
FY 2016: 5.2×FY 2017: 4.6×FY 2018: 4.6×FY 2019: 4.5×FY 2020: 3.4×FY 2021: 2.3×FY 2022: 2.3×FY 2023: 3.4×FY 2024: 2.5×FY 2025: 1.4×
FY 2016 5y median 2.3× FY 2025
EV/Sales 0.3×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.4× FY 2025
FCF Yield 117.8%
FY 2016: 24.4%FY 2017: 21.8%FY 2018: 20.2%FY 2019: 34.7%FY 2020: 64.0%FY 2021: 72.8%FY 2022: 73.0%FY 2023: 31.7%FY 2024: 61.5%FY 2025: 117.8%
FY 2016 5y median 72.8% 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) 48.3%
FY 2016: -23.7%FY 2017: 44.8%FY 2018: -11.7%FY 2019: 0.0%FY 2020: 41.7%FY 2021: 72.2%FY 2022: 9.9%FY 2023: -45.2%FY 2024: 65.5%FY 2025: 48.3%
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: 4.4×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: 13.9×FY 2023: 4.4×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 31.1%
FY 2016: 9.8%FY 2017: 12.1%FY 2018: 12.1%FY 2019: 14.0%FY 2020: 15.4%FY 2021: 17.6%FY 2022: 17.1%FY 2023: 19.7%FY 2024: 19.8%FY 2025: 31.1%
FY 2016 5y median 19.7% 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