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TSX/DFY (TSX/DFY)

Toronto Stock Exchange: TSX/DFY · CAD

CA$73.0

+1.87 (+2.6%)· Recorded snapshot

Market cap	8.8B
Revenue (ttm)	6B
Net income (ttm)	467.4M
EPS (ttm)	CA$3.84
Shares out	120.1M
P/E (trailing)	19.0x
P/E (forward)	18.5x
Dividend	CA$0.86 (1.18%)
Volume	59,534
Beta	0.14

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	CAD
Country	Canada
Country code	CA
Earnings date	2026-11-05
Employees	3,462
Employees change	20
Employees growth	0.58%
Enterprise value	CAD 10.5B
Exchange	Toronto Stock Exchange
Financial currency	CAD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1871
Industry	Insurance - Property & Casualty
Is primary listing	Yes
ISIN number	CA24477T1003
Last earnings date	2026-07-30
Last refreshed	2026-10-29
Market cap	CAD 8.8B
Next earnings date	2026-11-05
Price	CAD 73.03
Price currency	CAD
Sector	Financials
SIC code	6331
Stock price date	2026-10-29
Symbol	tsx/DFY
Website	https://www.definityfinancial.com

Metric

Value

Amount currency

CAD

Country

Canada

Country code

Earnings date

2026-11-05

Employees

3,462

Employees change

Employees growth

0.58%

Enterprise value

CAD 10.5B

Exchange

Toronto Stock Exchange

Financial currency

CAD

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1871

Industry

Insurance - Property & Casualty

Is primary listing

Yes

ISIN number

CA24477T1003

Last earnings date

2026-07-30

Last refreshed

2026-10-29

Market cap

CAD 8.8B

Next earnings date

2026-11-05

Price

CAD 73.03

Price currency

CAD

Sector

Financials

SIC code

6331

Stock price date

2026-10-29

Symbol

tsx/DFY

Website

https://www.definityfinancial.com

Metric	Value
Adjusted P/E ratio	18.44x
Average P/E ratio (3Y)	16.84x
Average P/E ratio (5Y)	18.96x
Earnings yield	5.25%
EV/Earnings	21.95x
EV/EBIT	13.26x
EV/EBITDA	12.08x
EV/FCF	27.33x
EV/Sales	1.71x
FCF / EV yield	3.66%
FCF yield	4.39%
Forward P/E	18.55x
Graham number	54.96656
Graham upside	-23.76%
Lynch fair value	CAD 55.21
Lynch upside	-23.42%
P/(FCF - SBC) ratio	25x
P/(OCF - SBC) ratio	19.11x
P/B ratio	1.92x
P/E ratio	19.04x
P/FCF ratio	22.77x
P/OCF ratio	17.78x
P/S ratio	1.43x
Price / tangible book value	5.39x
Price/EBITDA ratio	10.18x
Sector forward P/E	15.35x
Sector P/E	18.28x

Metric

Value

Adjusted P/E ratio

18.44x

Average P/E ratio (3Y)

16.84x

Average P/E ratio (5Y)

18.96x

Earnings yield

5.25%

EV/Earnings

21.95x

EV/EBIT

13.26x

EV/EBITDA

12.08x

EV/FCF

27.33x

EV/Sales

1.71x

FCF / EV yield

3.66%

FCF yield

4.39%

Forward P/E

18.55x

Graham number

54.96656

Graham upside

-23.76%

Lynch fair value

CAD 55.21

Lynch upside

-23.42%

P/(FCF - SBC) ratio

25x

P/(OCF - SBC) ratio

19.11x

P/B ratio

1.92x

P/E ratio

19.04x

P/FCF ratio

22.77x

P/OCF ratio

17.78x

P/S ratio

1.43x

Price / tangible book value

5.39x

Price/EBITDA ratio

10.18x

Sector forward P/E

15.35x

Sector P/E

18.28x

Metric	Value
EBIT margin	12.88%
EBITDA margin	14.01%
Effective tax rate	25.55%
FCF margin	6.27%
Gross margin	29.91%
Operating margin	12.88%
Pretax margin	10.7%
Profit margin	7.8%
Profit per employee	CAD 135,009
Profitable quarters	11
Profitable years	7
Revenue per employee	CAD 1.7M
ROA	4.43%
ROA (5Y)	3.37%
ROCE	8.3%
ROE	11.29%
ROE (5Y)	10.27%
ROIC	9.39%
ROIC (5Y)	9.54%
SBC / revenue	0.56%
Tax / revenue	2.73%

Metric

Value

EBIT margin

12.88%

EBITDA margin

14.01%

Effective tax rate

25.55%

FCF margin

6.27%

Gross margin

29.91%

Operating margin

12.88%

Pretax margin

10.7%

Profit margin

7.8%

Profit per employee

CAD 135,009

Profitable quarters

Profitable years

Revenue per employee

CAD 1.7M

ROA

4.43%

ROA (5Y)

3.37%

ROCE

8.3%

ROE

11.29%

ROE (5Y)

10.27%

ROIC

9.39%

ROIC (5Y)

9.54%

SBC / revenue

0.56%

Tax / revenue

2.73%

Metric	Value
EPS growth	15.19%
EPS growth (Q)	95.31%
EPS growth (QoQ)	140.38%
EPS growth 3Y	4.6%
EPS growth quarters	1
EPS growth years	0
FCF growth	10.8%
FCF growth (Q)	12.64%
FCF growth 3Y	21.5%
FCF growth 5Y	-7.9%
Net income growth	20.31%
Net income growth (Q)	102.93%
Net income growth (QoQ)	138.5%
Net income growth 3Y	5.93%
Net income growth 5Y	14.39%
Net income growth quarters	1
Net income growth years	0
OCF growth	13.42%
OCF growth (Q)	12.54%
OCF growth 3Y	18.06%
OCF growth 5Y	-3.23%
Revenue growth	30.81%
Revenue growth (Q)	55.58%
Revenue growth (QoQ)	4.22%
Revenue growth 3Y	18.34%
Revenue growth 5Y	16.48%
Revenue growth quarters	6
Revenue growth years	7

Metric

Value

EPS growth

15.19%

EPS growth (Q)

95.31%

EPS growth (QoQ)

140.38%

EPS growth 3Y

4.6%

EPS growth quarters

EPS growth years

FCF growth

10.8%

FCF growth (Q)

12.64%

FCF growth 3Y

21.5%

FCF growth 5Y

-7.9%

Net income growth

20.31%

Net income growth (Q)

102.93%

Net income growth (QoQ)

138.5%

Net income growth 3Y

5.93%

Net income growth 5Y

14.39%

Net income growth quarters

Net income growth years

OCF growth

13.42%

OCF growth (Q)

12.54%

OCF growth 3Y

18.06%

OCF growth 5Y

-3.23%

Revenue growth

30.81%

Revenue growth (Q)

55.58%

Revenue growth (QoQ)

4.22%

Revenue growth 3Y

18.34%

Revenue growth 5Y

16.48%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	CAD -105.4M
EBIT	CAD 771.9M
EBITDA	CAD 839.4M
EPS	CAD 3.84
FCF per share	CAD 3.13
Financing cash flow	CAD 1.3B
Free cash flow	CAD 375.4M
Free cash flow minus SBC	CAD 341.9M
Gross profit	CAD 1.8B
Income taxes	CAD 163.8M
Investing cash flow	CAD -2B
Net borrowing	CAD 1.4B
Net cash flow	CAD -218.8M
Net income	CAD 467.4M
Operating cash flow minus SBC	CAD 447.3M
Operating income	CAD 771.9M
Revenue	CAD 6B
Stock-based compensation	CAD 33.5M

Metric

Value

Capital expenditures

CAD -105.4M

EBIT

CAD 771.9M

EBITDA

CAD 839.4M

EPS

CAD 3.84

FCF per share

CAD 3.13

Financing cash flow

CAD 1.3B

Free cash flow

CAD 375.4M

Free cash flow minus SBC

CAD 341.9M

Gross profit

CAD 1.8B

Income taxes

CAD 163.8M

Investing cash flow

CAD -2B

Net borrowing

CAD 1.4B

Net cash flow

CAD -218.8M

Net income

CAD 467.4M

Operating cash flow minus SBC

CAD 447.3M

Operating income

CAD 771.9M

Revenue

CAD 6B

Stock-based compensation

CAD 33.5M

Metric	Value
Book value per share	CAD 35.01
Debt / EBITDA	2.01
Debt / equity	0.38
Debt / FCF	4.54
Goodwill	CAD 1.2B
Interest coverage	15.02
Net cash (debt)	CAD -1.5B
Net cash / market cap	-17.15%
Net debt / EBITDA	1.75
Net debt / equity	0.33
Net debt / FCF	3.91
Piotroski F-Score	4
Property, plant and equipment	CAD 110.6M
Shareholders' equity	CAD 4.5B
Tangible book value	CAD 1.6B
Tangible book value per share	CAD 13.20
Total assets	CAD 13.5B
Total cash	CAD 293.6M
Total debt	CAD 1.7B
Total liabilities	CAD 9B
WACC	4.55%

Metric

Value

Book value per share

CAD 35.01

Debt / EBITDA

2.01

Debt / equity

0.38

Debt / FCF

4.54

Goodwill

CAD 1.2B

Interest coverage

15.02

Net cash (debt)

CAD -1.5B

Net cash / market cap

-17.15%

Net debt / EBITDA

1.75

Net debt / equity

0.33

Net debt / FCF

3.91

Piotroski F-Score

Property, plant and equipment

CAD 110.6M

Shareholders' equity

CAD 4.5B

Tangible book value

CAD 1.6B

Tangible book value per share

CAD 13.20

Total assets

CAD 13.5B

Total cash

CAD 293.6M

Total debt

CAD 1.7B

Total liabilities

CAD 9B

WACC

4.55%

Metric	Value
Asset turnover	0.55
Current ratio	0.31
Net working capital	CAD -3B
Quick ratio	0.11
Working capital	CAD -2.9B

Metric

Value

Asset turnover

0.55

Current ratio

0.31

Net working capital

CAD -3B

Quick ratio

0.11

Working capital

CAD -2.9B

Metric	Value
Buyback yield / dilution	-4.55%
Dividend growth	15.22%
Dividend growth (3Y)	15.7%
Dividend growth years	2
Dividend payment date	2026-09-23
Dividend payment years	5
Dividend payout frequency	Quarterly
Dividend per share	CAD 0.86
Dividend yield	1.18%
Ex-dividend date	2026-09-11
FCF payout ratio	27.52%
Last dividend	CAD 0.22
Payout ratio	20.67%
Shareholder yield	-3.36%

Metric

Value

Buyback yield / dilution

-4.55%

Dividend growth

15.22%

Dividend growth (3Y)

15.7%

Dividend growth years

Dividend payment date

2026-09-23

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

CAD 0.86

Dividend yield

1.18%

Ex-dividend date

2026-09-11

FCF payout ratio

27.52%

Last dividend

CAD 0.22

Payout ratio

20.67%

Shareholder yield

-3.36%

Metric	Value
150-day SMA	CAD 71.46
1D price change	2.63%
1M price change	2.94%
1M total return	2.94%
1W price change	-0.54%
1W total return	-0.54%
1Y price change	10.47%
1Y return CAGR	11.78%
1Y total return	11.77%
20-day SMA	CAD 70.11
200-day SMA	CAD 70.71
3M price change	-10.38%
3M total return	-10.11%
3Y price change	92.07%
3Y return CAGR	25.82%
3Y total return	99.23%
50-day SMA	CAD 71.44
50-day SMA vs 200-day SMA	50over200
52-week high	CAD 82.59
52-week high date	2026-08-05
52-week low	CAD 61.87
52-week low date	2026-04-07
6M price change	6.75%
6M total return	7.4%
All-time high	CAD 82.59
All-time high date	2026-08-05
All-time low	CAD 26.00
All-time low date	2021-11-18
Average true range (ATR)	CAD 1.48
Average volume	172.5K
Beta (1Y)	0.32
Beta (2Y)	0.55
Beta (5Y)	0.14
Change from 52-week high	-11.58%
Change from 52-week low	18.04%
Change from all-time high	-12.33%
Change from all-time low	178.5%
Change from open	2.69%
Day's gap	-0.06%
Dollar volume	CAD 4.3M
High price	CAD 73.08
Low price	CAD 71.12
Monthly RSI	56.32
Open price	CAD 71.12
Position in 52-week range	97.45%
Previous close	CAD 71.16
Price vs 150-day SMA	2.2%
Price vs 20-day SMA	4.16%
Price vs 200-day SMA	3.28%
Price vs 50-day SMA	2.22%
Relative volume	0.35
RSI	56.3
Sharpe ratio	0.43
Sharpe ratio (3Y)	0.94
Sortino ratio	0.9
Sortino ratio (3Y)	1.76
Volume	59.5K
Weekly RSI	50.81
YTD price change	-4.64%
YTD total return	-3.76%

Metric

Value

150-day SMA

CAD 71.46

1D price change

2.63%

1M price change

2.94%

1M total return

2.94%

1W price change

-0.54%

1W total return

-0.54%

1Y price change

10.47%

1Y return CAGR

11.78%

1Y total return

11.77%

20-day SMA

CAD 70.11

200-day SMA

CAD 70.71

3M price change

-10.38%

3M total return

-10.11%

3Y price change

92.07%

3Y return CAGR

25.82%

3Y total return

99.23%

50-day SMA

CAD 71.44

50-day SMA vs 200-day SMA

50over200

52-week high

CAD 82.59

52-week high date

2026-08-05

52-week low

CAD 61.87

52-week low date

2026-04-07

6M price change

6.75%

6M total return

7.4%

All-time high

CAD 82.59

All-time high date

2026-08-05

All-time low

CAD 26.00

All-time low date

2021-11-18

Average true range (ATR)

CAD 1.48

Average volume

172.5K

Beta (1Y)

0.32

Beta (2Y)

0.55

Beta (5Y)

0.14

Change from 52-week high

-11.58%

Change from 52-week low

18.04%

Change from all-time high

-12.33%

Change from all-time low

178.5%

Change from open

2.69%

Day's gap

-0.06%

Dollar volume

CAD 4.3M

High price

CAD 73.08

Low price

CAD 71.12

Monthly RSI

56.32

Open price

CAD 71.12

Position in 52-week range

97.45%

Previous close

CAD 71.16

Price vs 150-day SMA

2.2%

Price vs 20-day SMA

4.16%

Price vs 200-day SMA

3.28%

Price vs 50-day SMA

2.22%

Relative volume

0.35

RSI

56.3

Sharpe ratio

0.43

Sharpe ratio (3Y)

0.94

Sortino ratio

0.9

Sortino ratio (3Y)

1.76

Volume

59.5K

Weekly RSI

50.81

YTD price change

-4.64%

YTD total return

-3.76%

Metric	Value
Float	118.8M
Shares change (QoQ)	0.08%
Shares change (YoY)	4.55%
Shares held by insiders	1.11%
Shares held by institutions	58.36%
Shares outstanding	120.1M
Short % of float	0.39%
Short % of shares	0.35%

Metric

Value

Float

118.8M

Shares change (QoQ)

0.08%

Shares change (YoY)

4.55%

Shares held by insiders

1.11%

Shares held by institutions

58.36%

Shares outstanding

120.1M

Short % of float

0.39%

Short % of shares

0.35%

TSX/DFY (TSX/DFY)

Price

Financial snapshot

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