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INTAF

Intact Financial Corporation

USD

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Price alert · INTAF

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17.75 USD 0.00 0.00%
As of Oct 1, 2026
14.25 Day range 14.25
14.25 52-week range 18.18
YTD
-1.39%
1 year
+2.66%
Open
14.25
Prev close
17.75
Mkt cap
3.13B
Vol
2.00K
Avg vol
0
EPS
8.87
P/E
2.00
More statistics
Low
14.25
High
14.25
Earnings
Nov 3, 2026

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Financial health

Altman Z-Score

1.36 Distress zone

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

Piotroski F-Score

7 / 9 Strong

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

Valuation

P/E 1.3×
FY 2016: 4.9×FY 2017: 3.1×FY 2018: 3.9×FY 2019: 3.7×FY 2020: 2.7×FY 2021: 1.8×FY 2022: 1.2×FY 2023: 2.5×FY 2024: 1.7×FY 2025: 1.3×
FY 2016 5y median 1.7× FY 2025
P/S 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
P/B 0.2×
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: 0.2×
FY 2016 5y median 0.2× FY 2025
P/FCF 0.8×
FY 2016: 3.1×FY 2017: 3.5×FY 2018: 3.8×FY 2019: 2.2×FY 2020: 1.2×FY 2021: 1.3×FY 2022: 0.9×FY 2023: 2.2×FY 2024: 1.2×FY 2025: 0.8×
FY 2016 5y median 1.2× FY 2025
EV/EBITDA 1.4×
FY 2016: 4.4×FY 2017: 4.0×FY 2018: 4.0×FY 2019: 3.9×FY 2020: 3.1×FY 2021: 2.4×FY 2022: 2.0×FY 2023: 3.0×FY 2024: 2.3×FY 2025: 1.4×
FY 2016 5y median 2.3× FY 2025
EV/Sales 0.3×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
FCF Yield 122.7%
FY 2016: 31.8%FY 2017: 28.4%FY 2018: 26.3%FY 2019: 45.2%FY 2020: 80.0%FY 2021: 75.5%FY 2022: 111.2%FY 2023: 44.9%FY 2024: 80.9%FY 2025: 122.7%
FY 2016 5y median 80.9% FY 2025

Profitability

Gross Margin 21.8%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.1%FY 2024: 17.0%FY 2025: 21.8%
FY 2016 5y median 100.0% FY 2025
Operating Margin 16.5%
FY 2016: 8.9%FY 2017: 11.0%FY 2018: 9.3%FY 2019: 4.4%FY 2020: 7.2%FY 2021: 10.7%FY 2022: 142.6%FY 2023: -0.4%FY 2024: 12.1%FY 2025: 16.5%
FY 2016 5y median 12.1% 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: 11.6%FY 2023: 6.0%FY 2024: 9.7%FY 2025: 12.9%
FY 2016 5y median 11.6% 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: 2.7%FY 2017: 3.2%FY 2018: 2.9%FY 2019: 1.5%FY 2020: 2.2%FY 2021: 2.0%FY 2022: 33.3%FY 2023: -0.1%FY 2024: 4.0%FY 2025: 5.7%
FY 2016 5y median 4.0% 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 9.8%
FY 2016: 5.8%FY 2017: 9.6%FY 2018: 13.7%FY 2019: 7.1%FY 2020: 9.8%FY 2021: 40.3%FY 2022: 21.0%FY 2023: 4.3%FY 2024: 7.6%FY 2025: 9.8%
FY 2016 FY 2025
Operating Income 49.7%
FY 2016: -19.3%FY 2017: 35.1%FY 2018: -3.4%FY 2019: -49.4%FY 2020: 79.4%FY 2021: 108.8%FY 2022: 1510.8%FY 2023: -100.3%FY 2024: 3097.9%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: -48.7%FY 2024: 76.8%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: 1.9×FY 2018: 1.6×FY 2019: 1.6×FY 2020: 1.5×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 1.8×FY 2024: 1.3×FY 2025: 0.8×
FY 2016 5y median 1.2× FY 2025
Interest Coverage 19.1×
FY 2016: 10.5×FY 2017: 12.5×FY 2018: 9.6×FY 2019: 4.5×FY 2020: 7.8×FY 2021: 12.2×FY 2022: 170×FY 2023: -0.4×FY 2024: 13.0×FY 2025: 19.1×
FY 2016 5y median 13.0× FY 2025

Dividends

Dividend Yield 32.4%
FY 2016: 12.8%FY 2017: 15.7%FY 2018: 15.8%FY 2019: 18.3%FY 2020: 19.3%FY 2021: 18.3%FY 2022: 26.0%FY 2023: 27.9%FY 2024: 26.1%FY 2025: 32.4%
FY 2016 5y median 26.1% 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