Intact Financial Corporation (IFCZF)

Intact Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Aug 15, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	35,928	32,445	27,527	25,239	22,878	16,917
Market Cap Growth	39.34%	17.87%	9.06%	10.32%	35.23%	9.26%
Enterprise Value	39,898	36,609	31,807	29,462	27,070	19,483
PE Ratio	21.06	21.15	29.51	14.27	14.38	20.93
PS Ratio	1.66	1.61	1.27	1.13	1.62	1.73
PB Ratio	2.55	2.57	2.21	2.12	1.73	2.25
P/FCF Ratio	13.96	15.78	26.19	10.50	10.27	9.85
P/OCF Ratio	12.58	13.78	19.69	9.32	9.20	9.16
EV/Sales Ratio	1.87	1.82	1.47	1.32	1.92	1.99
EV/EBITDA Ratio	13.97	15.00	15.03	10.88	10.63	13.72
EV/EBIT Ratio	15.95	17.19	17.61	12.25	11.84	15.91
EV/FCF Ratio	15.50	17.81	30.26	12.25	12.15	11.34
Debt / Equity Ratio	0.28	0.30	0.35	0.32	0.35	0.36
Debt / EBITDA Ratio	1.38	1.56	2.06	1.41	1.83	1.93
Debt / FCF Ratio	1.55	1.85	4.14	1.59	2.09	1.59
Quick Ratio	0.16	0.12	0.13	0.15	0.27	0.41
Current Ratio	0.37	0.33	0.38	0.43	0.44	0.61
Asset Turnover	0.50	0.50	0.52	0.50	0.35	0.37
Return on Equity (ROE)	13.16%	13.34%	8.16%	14.89%	15.84%	11.81%
Return on Assets (ROA)	3.68%	3.32%	2.72%	3.39%	3.56%	2.89%
Return on Capital (ROIC)	9.04%	8.35%	6.85%	9.26%	10.12%	7.91%
Earnings Yield	4.75%	4.92%	3.62%	7.18%	7.14%	5.02%
Earnings Yield	4.75%	4.92%	3.62%	7.18%	7.14%	5.02%
FCF Yield	7.16%	6.34%	3.82%	9.53%	9.74%	10.15%
Dividend Yield	1.80%	1.86%	2.25%	2.13%	2.22%	2.41%
Payout Ratio	38.07%	41.49%	65.50%	31.05%	32.85%	48.71%
Buyback Yield / Dilution	-0.51%	-1.36%	-0.34%	-8.13%	-13.57%	-2.51%
Total Shareholder Return	1.30%	0.50%	1.90%	-6.00%	-11.34%	-0.10%

Updated Feb 12, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.