Intact Financial Corporation (IFC.TO) stock analysis

In our weekly check, Intact Financial Corporation is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 4, red flags: 2.

About Intact Financial Corporation

Intact Financial Corporation is a Financial Services company (Insurance - Property & Casualty) based in Canada, listed on TSX as IFC.TO.

What our checks show for IFC.TO

Red flags

• The gross margin fell by 6.7 points, to 42.2%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 0.6% a year.

Warning signs

• The stock has fallen as much as 52% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 2.6 years.
• Thinly traded (about 494 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 7%.

Strengths

• Operating cash flow is 1.27x net profit: the profit arrives as real cash.
• Net profit grew 10.3% a year over the last 3 years.
• Free cash flow is 13.2% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 33% of profit: there is a cushion.
• The price is 14.7 times earnings (P/E), reasonable for its growth.
• A large company: market value $33.33 billion.

Next earnings report: 2026-11-03

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FFH.TO · QBE.AX · PZU.WA · ALL · WRB · CINF

Questions

What grade does Intact Financial Corporation (IFC.TO) have?

In our weekly check, Intact Financial Corporation is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 4, red flags: 2. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of IFC.TO stock?

This week's biggest flags for Intact Financial Corporation: Gross margin falling, Weak revenue forecast, Deep past fall. In total 6 of 25 checks show a warning or a red flag.

What does Intact Financial Corporation do?

Intact Financial Corporation is a Financial Services company (Insurance - Property & Casualty) based in Canada, listed on TSX as IFC.TO.

When does Intact Financial Corporation report earnings next?

The next earnings report is expected on 2026-11-03. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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