IFC-PA.TO

Based on Intact Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Intact Financial Corporation do?

Intact Financial is Canada's largest property and casualty insurer. It provides personal insurance for homes, autos, and recreational vehicles, as well as commercial coverage for businesses, including property, liability, cyber, and specialty lines. It operates in Canada, the United States, the United Kingdom, and internationally.

Does IFC-PA.TO pay dividends?

Yes, IFC-PA.TO pays a regular dividend. As a preferred share, it is structured to deliver fixed or floating distributions to shareholders before any common dividends are paid. Check Intact's investor relations page for current distribution details and payment schedules.

When does IFC-PA.TO report earnings?

Intact Financial reports earnings on a quarterly basis, in line with standard practice for TSX-listed companies. For exact dates and the most recent results, refer to the company's investor relations page.

Is IFC-PA.TO a good stock to buy?

UQS Score rates IFC-PA.TO as Good overall. The Risk pillar is Strong and Valuation is Attractive, which may appeal to income-focused investors. Growth is rated Weak, so those seeking rapid earnings expansion may want to weigh that carefully. The full pillar breakdown is available to Pro members.

Is IFC-PA.TO overvalued?

The UQS Valuation pillar for IFC-PA.TO is rated Attractive, suggesting the preferred share is not considered overpriced relative to its fundamentals. This does not constitute a buy recommendation — investors should review the full analysis available to Pro members before making decisions.

How does IFC-PA.TO compare to its competitors?

Intact Financial is significantly larger and more diversified than peers like Hagerty and Palomar, which focus on niche segments. Compared to Selective Insurance, Intact has a broader geographic footprint. Each competitor has a distinct risk profile and business model — the UQS Score provides a structured comparison across pillars.

What is IFC-PA.TO's market cap bracket?

Intact Financial Corporation falls within the mid-cap bracket. This places it among established, mature companies with meaningful market presence but below the scale of the largest global financial conglomerates.

Who founded Intact Financial Corporation?

Intact Financial Corporation was established in 2012, evolving from ING Canada after its acquisition by Intact. Founding and leadership history is publicly available through the company's official corporate history and investor relations materials.

Is IFC-PA.TO a long-term quality investment?

As a long-term quality indicator, the UQS Score rates IFC-PA.TO as Good. The Strong Risk pillar and Attractive Valuation suggest a stable foundation, though the Weak Growth rating indicates limited near-term expansion. Long-term suitability depends on individual investor goals — view the full analysis with a Pro membership.

What is the main competitive advantage of Intact Financial?

Intact benefits from its scale as Canada's largest property and casualty insurer, giving it pricing leverage, claims management expertise, and diversified distribution. Its broad product range across personal, commercial, and specialty lines reduces reliance on any single market segment.

Intact Financial Corporation shows solid profitability with healthy returns on capital and reasonable margins.

Intact Financial Corporation faces growth headwinds with declining or stagnant revenue trends.

Intact Financial Corporation maintains a reasonable risk profile with manageable debt levels.

Intact Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

Intact Financial Corporation possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for IFC-PA.TO.

The UQS (Unified Quality Score) for Intact Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Intact Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Intact Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.