Intact Financial IFC.TO
Intact Financial Corporation is a Canadian property and casualty (P&C) insurer offering auto, home, and business insurance, operating primarily in Canada, the United Kingdom, and Ireland. Intact Financial shows solid financial health (ROE 16.09%) and a healthy operating margin (14.51%), but earnings growth is negative (-17.00%), which weighs on its growth profile. Valuation is reasonable (P/E 13.93) and the dividend is sustainable (payout 31.15%).
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Intact Financial Corporation is a Canadian property and casualty (P&C) insurer offering auto, home, and business insurance, operating primarily in Canada, the United Kingdom, and Ireland. Intact Financial shows solid financial health (ROE 16.09%) and a healthy operating margin (14.51%), but earnings growth is negative (-17.00%), which weighs on its growth profile. Valuation is reasonable (P/E 13.93) and the dividend is sustainable (payout 31.15%).
Score by category
| Category | Score |
|---|---|
| Financial health | 7.1 |
| Quality / Moat | 5.9 |
| Valuation | 5.0 |
| Growth | 3.5 |
| Dividend | 6.5 |
| Momentum | 4.7 |
| Risk & Context | 8.9 |
OVERALL SCORE: 6.3/10
Context and risks
Moderate regulatory risk in Canada for the P&C insurance sector, with active oversight of rates and solvency. No specific geopolitical or business model risks beyond standard country governance are identified.
News considered in the analysis
- Intact Financial (TSX:IFC), What Is Drawing Fresh Attention Now? — Artículo genérico de análisis sin información nueva material.
- Intact Financial Corp's Dividend Analysis — Análisis de dividendo sin hechos nuevos que afecten a la valoración.
- Tokio Marine nears Suncorp takeover bid – report — Noticia sobre un competidor (Suncorp) que no afecta directamente a Intact.
- Is Intact Financial (TSX:IFC) Trading At A Discount To Fair Value? — Análisis de valoración genérico sin información nueva.
- Intact Financial Q2 Earnings Call Highlights — Resumen de la llamada de resultados del Q2 sin titulares específicos que indiquen un evento material no descontado.
Verdict: Hold; the company is financially solid but faces negative earnings growth that limits short-term appeal.
Main risk: The main risk is the persistence of negative earnings growth (-17.00%), which could indicate competitive or underwriting pressures in the Canadian and UK P&C market.
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