Is a complete TSX/IFC research report available?

No complete published report is available for tsx/IFC (TSX/IFC) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

TSX/IFC (TSX/IFC)

Toronto Stock Exchange: TSX/IFC · CAD

CA$262

-0.58 (-0.2%)· Recorded snapshot

Market cap	46.2B
Revenue (ttm)	26.6B
Net income (ttm)	3.2B
EPS (ttm)	CA$18.0
Shares out	176.3M
P/E (trailing)	14.6x
P/E (forward)	15.8x
Dividend	CA$5.88 (2.24%)
Volume	83,192
Beta	0.31

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	CAD
Country	Canada
Country code	CA
Earnings date	2026-11-03
Employees	32,000
Employees change	1,000
Employees growth	3.23%
Enterprise value	CAD 50.8B
Exchange	Toronto Stock Exchange
Financial currency	CAD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1809
Industry	Insurance - Property & Casualty
Is primary listing	Yes
ISIN number	CA45823T1066
Last earnings date	2026-07-29
Last refreshed	2026-10-28
Market cap	CAD 46.2B
Next earnings date	2026-11-03
Price	CAD 262.14
Price currency	CAD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	tsx/IFC
Website	https://www.intactfc.com

Metric

Value

Amount currency

CAD

Country

Canada

Country code

Earnings date

2026-11-03

Employees

32,000

Employees change

1,000

Employees growth

3.23%

Enterprise value

CAD 50.8B

Exchange

Toronto Stock Exchange

Financial currency

CAD

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1809

Industry

Insurance - Property & Casualty

Is primary listing

Yes

ISIN number

CA45823T1066

Last earnings date

2026-07-29

Last refreshed

2026-10-28

Market cap

CAD 46.2B

Next earnings date

2026-11-03

Price

CAD 262.14

Price currency

CAD

Sector

Financials

SIC code

6331

Stock price date

2026-10-28

Symbol

tsx/IFC

Website

https://www.intactfc.com

Metric	Value
Adjusted P/E ratio	13.59x
Average P/E ratio (10Y)	20.75x
Average P/E ratio (3Y)	21.77x
Average P/E ratio (5Y)	19.55x
Earnings yield	6.86%
EV/Earnings	15.91x
EV/EBIT	10.81x
EV/EBITDA	9.34x
EV/FCF	14.12x
EV/Sales	1.91x
FCF / EV yield	7.08%
FCF yield	7.78%
Forward P/E	15.83x
Graham number	215.55935
Graham upside	-17.79%
Lynch fair value	CAD 232.97
Lynch upside	-11.16%
P/(FCF - SBC) ratio	13.46x
P/(OCF - SBC) ratio	11.54x
P/B ratio	2.13x
P/E ratio	14.57x
P/FCF ratio	12.86x
P/OCF ratio	11.09x
P/S ratio	1.74x
Price / tangible book value	4.5x
Price/EBITDA ratio	8.5x
Sector forward P/E	15.29x
Sector P/E	18.2x

Metric

Value

Adjusted P/E ratio

13.59x

Average P/E ratio (10Y)

20.75x

Average P/E ratio (3Y)

21.77x

Average P/E ratio (5Y)

19.55x

Earnings yield

6.86%

EV/Earnings

15.91x

EV/EBIT

10.81x

EV/EBITDA

9.34x

EV/FCF

14.12x

EV/Sales

1.91x

FCF / EV yield

7.08%

FCF yield

7.78%

Forward P/E

15.83x

Graham number

215.55935

Graham upside

-17.79%

Lynch fair value

CAD 232.97

Lynch upside

-11.16%

P/(FCF - SBC) ratio

13.46x

P/(OCF - SBC) ratio

11.54x

P/B ratio

2.13x

P/E ratio

14.57x

P/FCF ratio

12.86x

P/OCF ratio

11.09x

P/S ratio

1.74x

Price / tangible book value

4.5x

Price/EBITDA ratio

8.5x

Sector forward P/E

15.29x

Sector P/E

18.2x

Metric	Value
EBIT margin	17.71%
EBITDA margin	20.5%
Effective tax rate	21.96%
FCF margin	13.55%
Gross margin	17.92%
Operating margin	17.71%
Pretax margin	15.88%
Profit margin	12.39%
Profit per employee	CAD 99,969
Profitable quarters	67
Profitable years	23
Revenue per employee	CAD 830,813
ROA	4.7%
ROA (5Y)	3.58%
ROCE	13.18%
ROE	16.09%
ROE (5Y)	13.9%
ROIC	13.88%
ROIC (5Y)	11.84%
SBC / revenue	0.61%
Tax / revenue	3.49%

Metric

Value

EBIT margin

17.71%

EBITDA margin

20.5%

Effective tax rate

21.96%

FCF margin

13.55%

Gross margin

17.92%

Operating margin

17.71%

Pretax margin

15.88%

Profit margin

12.39%

Profit per employee

CAD 99,969

Profitable quarters

Profitable years

Revenue per employee

CAD 830,813

ROA

4.7%

ROA (5Y)

3.58%

ROCE

13.18%

ROE

16.09%

ROE (5Y)

13.9%

ROIC

13.88%

ROIC (5Y)

11.84%

SBC / revenue

0.61%

Tax / revenue

3.49%

Metric	Value
EPS growth	38.03%
EPS growth (Q)	-17.02%
EPS growth (QoQ)	-5.34%
EPS growth 10Y	15.64%
EPS growth 3Y	35.09%
EPS growth 5Y	8.55%
EPS growth years	2
FCF growth	2.65%
FCF growth (Q)	-10.54%
FCF growth (QoQ)	246.32%
FCF growth 3Y	20.6%
FCF growth 5Y	10.08%
Net income growth	36.29%
Net income growth (Q)	-16.96%
Net income growth (QoQ)	-5.74%
Net income growth 3Y	35.71%
Net income growth 5Y	12.95%
Net income growth years	2
OCF growth	7.27%
OCF growth (Q)	-5.1%
OCF growth (QoQ)	153.52%
OCF growth 10Y	16.29%
OCF growth 3Y	18.77%
OCF growth 5Y	11.35%
Revenue growth	5.3%
Revenue growth (Q)	3.68%
Revenue growth (QoQ)	0.5%
Revenue growth 10Y	12.42%
Revenue growth 3Y	5.82%
Revenue growth 5Y	14.61%
Revenue growth quarters	3
Revenue growth years	17

Metric

Value

EPS growth

38.03%

EPS growth (Q)

-17.02%

EPS growth (QoQ)

-5.34%

EPS growth 10Y

15.64%

EPS growth 3Y

35.09%

EPS growth 5Y

8.55%

EPS growth years

FCF growth

2.65%

FCF growth (Q)

-10.54%

FCF growth (QoQ)

246.32%

FCF growth 3Y

20.6%

FCF growth 5Y

10.08%

Net income growth

36.29%

Net income growth (Q)

-16.96%

Net income growth (QoQ)

-5.74%

Net income growth 3Y

35.71%

Net income growth 5Y

12.95%

Net income growth years

OCF growth

7.27%

OCF growth (Q)

-5.1%

OCF growth (QoQ)

153.52%

OCF growth 10Y

16.29%

OCF growth 3Y

18.77%

OCF growth 5Y

11.35%

Revenue growth

5.3%

Revenue growth (Q)

3.68%

Revenue growth (QoQ)

0.5%

Revenue growth 10Y

12.42%

Revenue growth 3Y

5.82%

Revenue growth 5Y

14.61%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	CAD -575M
EBIT	CAD 4.7B
EBITDA	CAD 5.5B
EPS	CAD 17.99
FCF per share	CAD 20.43
Financing cash flow	CAD -2B
Free cash flow	CAD 3.6B
Free cash flow minus SBC	CAD 3.4B
Gross profit	CAD 4.8B
Income taxes	CAD 927M
Investing cash flow	CAD -1.7B
Net borrowing	CAD -584M
Net cash flow	CAD 626M
Net income	CAD 3.2B
Operating cash flow minus SBC	CAD 4B
Operating income	CAD 4.7B
Revenue	CAD 26.6B
Stock-based compensation	CAD 162M

Metric

Value

Capital expenditures

CAD -575M

EBIT

CAD 4.7B

EBITDA

CAD 5.5B

EPS

CAD 17.99

FCF per share

CAD 20.43

Financing cash flow

CAD -2B

Free cash flow

CAD 3.6B

Free cash flow minus SBC

CAD 3.4B

Gross profit

CAD 4.8B

Income taxes

CAD 927M

Investing cash flow

CAD -1.7B

Net borrowing

CAD -584M

Net cash flow

CAD 626M

Net income

CAD 3.2B

Operating cash flow minus SBC

CAD 4B

Operating income

CAD 4.7B

Revenue

CAD 26.6B

Stock-based compensation

CAD 162M

Metric	Value
Book value per share	CAD 114.81
Debt / EBITDA	0.92
Debt / equity	0.23
Debt / FCF	1.39
Goodwill	CAD 5B
Interest coverage	21.31
Net cash (debt)	CAD -3.1B
Net cash / market cap	-6.66%
Net debt / EBITDA	0.57
Net debt / equity	0.14
Net debt / FCF	0.86
Piotroski F-Score	5
Property, plant and equipment	CAD 915M
Shareholders' equity	CAD 21.7B
Tangible book value	CAD 10.3B
Tangible book value per share	CAD 58.38
Total assets	CAD 64.3B
Total cash	CAD 3.3B
Total debt	CAD 5B
Total liabilities	CAD 42.6B
WACC	5.72%

Metric

Value

Book value per share

CAD 114.81

Debt / EBITDA

0.92

Debt / equity

0.23

Debt / FCF

1.39

Goodwill

CAD 5B

Interest coverage

21.31

Net cash (debt)

CAD -3.1B

Net cash / market cap

-6.66%

Net debt / EBITDA

0.57

Net debt / equity

0.14

Net debt / FCF

0.86

Piotroski F-Score

Property, plant and equipment

CAD 915M

Shareholders' equity

CAD 21.7B

Tangible book value

CAD 10.3B

Tangible book value per share

CAD 58.38

Total assets

CAD 64.3B

Total cash

CAD 3.3B

Total debt

CAD 5B

Total liabilities

CAD 42.6B

WACC

5.72%

Metric	Value
Asset turnover	0.42
Current ratio	0.34
Net working capital	CAD -20.2B
Quick ratio	0.15
Working capital	CAD -18.8B

Metric

Value

Asset turnover

0.42

Current ratio

0.34

Net working capital

CAD -20.2B

Quick ratio

0.15

Working capital

CAD -18.8B

Metric	Value
Buyback yield / dilution	0.5%
Dividend growth	10.38%
Dividend growth (10Y)	9.72%
Dividend growth (3Y)	10.11%
Dividend growth (5Y)	11.57%
Dividend growth years	20
Dividend payment date	2026-09-29
Dividend payment years	22
Dividend payout frequency	Quarterly
Dividend per share	CAD 5.88
Dividend yield	2.24%
Ex-dividend date	2026-09-15
FCF payout ratio	28.78%
Last dividend	CAD 1.47
Payout ratio	33.03%
Shareholder yield	2.75%

Metric

Value

Buyback yield / dilution

0.5%

Dividend growth

10.38%

Dividend growth (10Y)

9.72%

Dividend growth (3Y)

10.11%

Dividend growth (5Y)

11.57%

Dividend growth years

Dividend payment date

2026-09-29

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

CAD 5.88

Dividend yield

2.24%

Ex-dividend date

2026-09-15

FCF payout ratio

28.78%

Last dividend

CAD 1.47

Payout ratio

33.03%

Shareholder yield

2.75%

Metric	Value
10Y price change	188.21%
10Y return CAGR	13.75%
10Y total return	262.51%
150-day SMA	CAD 267.42
15Y price change	356.57%
15Y return CAGR	13.33%
15Y total return	553.56%
1D price change	-0.22%
1M price change	4.79%
1M total return	4.79%
1W price change	1.33%
1W total return	1.33%
1Y price change	-0.45%
1Y return CAGR	1.72%
1Y total return	1.72%
20-day SMA	CAD 251.85
200-day SMA	CAD 265.27
20Y price change	360.5%
20Y return CAGR	10.73%
20Y total return	668.05%
3M price change	-11.94%
3M total return	-11.44%
3Y price change	38.66%
3Y return CAGR	13.79%
3Y total return	47.35%
50-day SMA	CAD 257.17
50-day SMA vs 200-day SMA	50under200
52-week high	CAD 305.52
52-week high date	2026-07-28
52-week low	CAD 236.92
52-week low date	2026-10-06
5Y price change	56.37%
5Y return CAGR	11.67%
5Y total return	73.6%
6M price change	2.67%
6M total return	3.81%
All-time high	CAD 317.35
All-time high date	2025-07-02
All-time low	CAD 26.03
All-time low date	2008-11-20
Average true range (ATR)	CAD 4.61
Average volume	426.9K
Beta (1Y)	0.49
Beta (2Y)	0.44
Beta (5Y)	0.31
Change from 52-week high	-14.2%
Change from 52-week low	10.65%
Change from all-time high	-17.27%
Change from all-time low	908.57%
Change from open	-0.08%
Day's gap	-0.14%
Dollar volume	CAD 21.8M
High price	CAD 265.46
Low price	CAD 261.31
Monthly RSI	50.12
Open price	CAD 262.35
Position in 52-week range	20%
Previous close	CAD 262.73
Price vs 150-day SMA	-1.83%
Price vs 20-day SMA	4.24%
Price vs 200-day SMA	-1.03%
Price vs 50-day SMA	2.09%
Relative volume	0.2
RSI	60.53
Sharpe ratio	0
Sharpe ratio (3Y)	0.53
Sharpe ratio (5Y)	0.48
Sortino ratio	0.26
Sortino ratio (3Y)	1.08
Sortino ratio (5Y)	1.01
Volume	83.2K
Weekly RSI	48.24
YTD price change	-8.12%
YTD total return	-6.57%

Metric

Value

10Y price change

188.21%

10Y return CAGR

13.75%

10Y total return

262.51%

150-day SMA

CAD 267.42

15Y price change

356.57%

15Y return CAGR

13.33%

15Y total return

553.56%

1D price change

-0.22%

1M price change

4.79%

1M total return

4.79%

1W price change

1.33%

1W total return

1.33%

1Y price change

-0.45%

1Y return CAGR

1.72%

1Y total return

1.72%

20-day SMA

CAD 251.85

200-day SMA

CAD 265.27

20Y price change

360.5%

20Y return CAGR

10.73%

20Y total return

668.05%

3M price change

-11.94%

3M total return

-11.44%

3Y price change

38.66%

3Y return CAGR

13.79%

3Y total return

47.35%

50-day SMA

CAD 257.17

50-day SMA vs 200-day SMA

50under200

52-week high

CAD 305.52

52-week high date

2026-07-28

52-week low

CAD 236.92

52-week low date

2026-10-06

5Y price change

56.37%

5Y return CAGR

11.67%

5Y total return

73.6%

6M price change

2.67%

6M total return

3.81%

All-time high

CAD 317.35

All-time high date

2025-07-02

All-time low

CAD 26.03

All-time low date

2008-11-20

Average true range (ATR)

CAD 4.61

Average volume

426.9K

Beta (1Y)

0.49

Beta (2Y)

0.44

Beta (5Y)

0.31

Change from 52-week high

-14.2%

Change from 52-week low

10.65%

Change from all-time high

-17.27%

Change from all-time low

908.57%

Change from open

-0.08%

Day's gap

-0.14%

Dollar volume

CAD 21.8M

High price

CAD 265.46

Low price

CAD 261.31

Monthly RSI

50.12

Open price

CAD 262.35

Position in 52-week range

20%

Previous close

CAD 262.73

Price vs 150-day SMA

-1.83%

Price vs 20-day SMA

4.24%

Price vs 200-day SMA

-1.03%

Price vs 50-day SMA

2.09%

Relative volume

0.2

RSI

60.53

Sharpe ratio

Sharpe ratio (3Y)

0.53

Sharpe ratio (5Y)

0.48

Sortino ratio

0.26

Sortino ratio (3Y)

1.08

Sortino ratio (5Y)

1.01

Volume

83.2K

Weekly RSI

48.24

YTD price change

-8.12%

YTD total return

-6.57%

Metric	Value
Float	175.5M
Shares change (QoQ)	-0.39%
Shares change (YoY)	-0.5%
Shares held by insiders	0.46%
Shares held by institutions	50.13%
Shares outstanding	176.3M
Short % of float	0.58%
Short % of shares	0.58%

Metric

Value

Float

175.5M

Shares change (QoQ)

-0.39%

Shares change (YoY)

-0.5%

Shares held by insiders

0.46%

Shares held by institutions

50.13%

Shares outstanding

176.3M

Short % of float

0.58%

Short % of shares

0.58%

TSX/IFC (TSX/IFC)

Price

Financial snapshot

Fair-value bridge

Latest news · TSX/IFC

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All TSX/IFC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TSX/IFC

Frequently asked questions