Intact Financial stock
IFC.TOTSXIntact Financial Corporation, Financial ServicesISIN CA45823T1066
73Score 73 out of 100, Strong
Price and trend
68 / 100
Price history
+1.0% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 5.2% above it.
Since October 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 63).
The price is 8.4% below its 52-week high. Largest decline in 20 years: 51% (December 2006 to November 2008).
Chart figures for advanced users
- SMA 50$181.49
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$186.60
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)63
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$167.70
- The lowest closing price of the last twelve months.
- Resistance$214.26
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Intact Financial Corporation belongs to the Insurance (Property & Casualty) industry (Canada) and, with a market value of $34.6B, is number 11 of 58 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $18.32B (up 4.4% year on year) and earnings of $2.36B (up 46.5%).
- For fiscal 2026, analysts expect on average revenue of $17.1B (down 6.7%) and adjusted earnings per share of $10.94 (down 18.5%).
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- MEQIRI Score 73 out of 100 (Strong): rank 299 of 976 in Financial Services, median 68.
- The P/E is 17 (Insurance (Property & Casualty) median 11.9, own median of recent years 20.8).
- Our model puts fair value at $164.44, with the price 19% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for 21 years.Capital allocation 51
- Earnings per share growingUp 20.6% a year since 2020.Growth 86
- Growing faster than its industryRevenue up 15.9% a year since 2020, Insurance (Property & Casualty) median 8.1%.Growth 86
Weaknesses
- DilutionShare count up 25% since 2020.Capital allocation 51
Its standout strengths are stability and fundamentals.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 72 to 73.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk not measured
How well MEQIRI warnsFor stocks from Japan, China, Hong Kong, Taiwan, Korea, Canada, India and Brazil we only show crash risk once a separate backtest shows that it warns as well there as in the US and Europe.
Valuation
Valuation signal
Modestly overvaluedIn our model the price counts as cheap below $137.03 and expensive above $205.55 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $191.49 (excess return model) and $137.38 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 8.2%. At 9.2% the fair value would be $148.48, at 7.2% it would be $188.37.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.9).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 9.9% on the twelve months before. Revenue has grown solidly since 2006, at about 10% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 17%, net 13%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
Fiscal 2025For banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 9 Feb 2027in 89 days
- Last reported
- 3 Nov 2026EPS reported $2.51 (expected $2.11)above expectations
Analyst estimates
Earnings estimates have barely changed since 23 Oct 2026.
- Earnings per share
- $10.94−1.2%
- Revenue
- $17.1B−0.1%
- Earnings per share
- $12.76−0.6%
- Revenue
- $18.07B−0.1%
MEQIRI has stored the estimates since 23 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at Intact Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 73
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- People's Insurance Company (Group) of China601319.SS $47.67B60
- MS&AD Insurance Group Holdings8725.T $46.52B84
- Fairfax Financial HoldingsFFH.TO $40.5B84
- Sompo Holdings8630.T $39.98B80
- Cincinnati FinancialCINF $29.13B75
- W. R. BerkleyWRB $28.48B82
- MarkelMKL $24.13B63
- LoewsL $22.55B61
ETFs that hold Intact Financial
Held by 64 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Xtrackers MSCI Canada Screened UCITS ETF 1CD5BH | 1.19% | 0.35% | €1.2B |
| iShares MSCI Canada UCITS ETFSXR2 | 1.16% | 0.48% | €2.15B |
| UBS MSCI Canada UCITS ETF CAD disUIM9 | 1.07% | 0.33% | €2.06B |
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| iShares Edge MSCI World Minimum Volatility Advanced UCITS ETF USD (Acc)MVEW | 0.61% | 0.30% | €306.37M |
| iShares Edge MSCI World Minimum Volatility UCITS ETF USDIQQ0 | 0.48% | 0.30% | €2.61B |
| Xtrackers MSCI World Minimum Volatility UCITS ETF 1CXDEB | 0.47% | 0.25% | €1.38B |
| Xtrackers MSCI North America High Dividend Yield UCITS ETF 1CXDND | 0.24% | 0.39% | €264.04M |
| Xtrackers MSCI World Financials UCITS ETF 1CXDWF | 0.24% | 0.25% | €1.44B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 11 Nov 2026 ($1 = CA$1.4235)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 12 Dec 2025)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.