IFC-PE.TO
Financial ServicesIntact Financial Corporation · Insurance - Property & Casualty · $17B
What is Intact Financial Corporation?
Intact Financial Corporation is one of Canada's largest property and casualty insurers, serving individuals and businesses across Canada, the United States, the United Kingdom, Ireland, and broader international markets. Its preferred shares trade on the Toronto Stock Exchange under IFC-PE.TO.
Intact generates revenue by underwriting a wide range of insurance products — from personal auto and home coverage to complex commercial lines and specialty risk solutions. Premiums collected from policyholders, combined with disciplined claims management and investment income from the float, form the core of its business model. The company also serves niche segments including recreational vehicles, cyber liability, and sharing-economy operators.
Intact Financial Corporation was established in 2017 and is headquartered in Toronto, Canada.
- Personal auto and recreational vehicle insurance
- Home, tenant, and condominium property insurance
- Commercial property and liability coverage
- Specialty lines and risk management solutions
Is IFC-PE.TO a Good Stock to Buy?
UQS Score rates IFC-PE.TO as Good overall, reflecting a balanced profile with notable strengths and some areas to watch.
The Risk pillar stands out as the clearest strength — Intact's insurance operations are underpinned by conservative underwriting discipline and broad geographic diversification. Valuation is rated Attractive, suggesting the preferred share may offer reasonable value relative to its fundamentals. Quality is rated Good, consistent with a well-established insurer.
Growth is rated Weak, which is typical for mature preferred-share instruments where capital appreciation is limited by design. The Moat pillar sits at Neutral, reflecting competitive pressure across the broader P&C insurance landscape.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does IFC-PE.TO pay dividends?
Yes — Intact Financial Corporation pays a dividend.
IFC-PE.TO pays a regular dividend, which is the primary return driver for preferred shareholders. Preferred dividends from Intact are typically fixed or reset-rate, offering more predictable income than common shares. This structure appeals to income-focused investors seeking stability within the financial services sector.
When does IFC-PE.TO report earnings?
Intact Financial Corporation reports earnings on a quarterly cadence, typical for TSX-listed financial companies.
As a large-cap P&C insurer, Intact's quarterly results are shaped by underwriting performance, claims ratios, and investment income trends. Preferred shareholders focus less on earnings-per-share growth and more on the company's ability to sustain dividend coverage through the insurance cycle.
For the most recent quarter's results, visit Intact Financial Corporation's investor relations page directly.
IFC-PE.TO Price History
+19.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Intact Financial Corporation?
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.
IFC-PE.TO Long-term Outlook
The UQS Growth pillar for IFC-PE.TO is rated Weak, which aligns with the nature of preferred shares — price appreciation is constrained, and total return is largely driven by dividend income. The Strong Risk rating suggests the underlying issuer maintains sound financial footing, which supports ongoing dividend reliability. Valuation rated Attractive indicates the preferred may be priced reasonably relative to peers in the financial services space.
Growth drivers
- Consistent dividend income supported by Intact's diversified insurance operations
- Geographic expansion across North America and Europe providing revenue resilience
- Disciplined underwriting in commercial and specialty lines supporting issuer financial strength
Key risks
- Rising catastrophe claims from climate-related events pressuring underwriting margins
- Interest rate sensitivity affecting preferred share pricing and reset-rate mechanics
- Competitive intensity in personal lines insurance across Canadian and international markets
IFC-PE.TO vs Peers
IFC-PE.TO sits within a peer group of insurance and diversified financial companies — each with a distinct business mix and risk profile.
Another preferred share series from the same issuer, differing in reset terms and dividend mechanics — useful for comparing within Intact's own capital structure.
A US-based commercial lines insurer with a heavy focus on specialty and professional liability, offering a different geographic and product-mix exposure than Intact.
A diversified conglomerate with significant insurance operations through CNA Financial, but also exposure to energy, hospitality, and packaging — a broader risk profile than a pure-play insurer.
Frequently Asked Questions
What does Intact Financial Corporation do?
Intact Financial is a property and casualty insurer operating across Canada, the US, the UK, Ireland, and parts of Europe and the Middle East. It covers personal auto, home, commercial property, liability, and specialty insurance lines for individuals and businesses of all sizes.
Does IFC-PE.TO pay dividends?
Yes, IFC-PE.TO pays a regular preferred dividend. Preferred dividends from Intact are typically structured as fixed or reset-rate payments, making them a primary return driver for holders of this instrument. Check Intact's investor relations page for the current dividend schedule.
When does IFC-PE.TO report earnings?
Intact Financial reports on a quarterly cadence. As a preferred share, IFC-PE.TO does not have its own earnings report — results are tied to the parent company's quarterly disclosures. Visit Intact Financial's investor relations page for the latest reporting schedule.
Is IFC-PE.TO a good stock to buy?
UQS Score rates IFC-PE.TO as Good overall. The Risk pillar is Strong and Valuation is Attractive, which are positives for income-focused investors. Growth is rated Weak, consistent with the nature of preferred shares. The full pillar breakdown is available to UQS Pro members.
Is IFC-PE.TO overvalued?
The UQS Valuation pillar for IFC-PE.TO is rated Attractive, suggesting the preferred share may be reasonably priced relative to its fundamentals and sector peers. Preferred share valuation is driven largely by dividend yield and credit quality of the issuer rather than earnings multiples.
How does IFC-PE.TO compare to its competitors?
Within its peer group, IFC-PE.TO benefits from Intact's broad geographic diversification and disciplined underwriting. Peers like CNA Financial focus more heavily on US commercial lines, while Loews brings diversified conglomerate exposure. Each carries a different risk-return profile for preferred investors.
What is IFC-PE.TO's market cap bracket?
Intact Financial Corporation is classified as a large-cap company. As a preferred share series, IFC-PE.TO represents a portion of Intact's broader capital structure rather than a standalone equity with its own market capitalization.
Who founded Intact Financial Corporation?
Intact Financial Corporation was established in 2017 as a corporate entity, though its roots trace back through predecessor organizations with a much longer history in Canadian insurance. Founding context and corporate history are available on Intact's official website.
Is IFC-PE.TO a long-term quality indicator?
From a long-term quality perspective, IFC-PE.TO scores Good on the UQS composite. The Strong Risk rating and Attractive Valuation support the case for income stability over time. Preferred shares are generally suited to investors prioritizing consistent income over long-term capital growth.
What is the main competitive advantage of Intact Financial?
Intact's scale as Canada's largest P&C insurer, combined with its international diversification across the US, UK, and Europe, provides underwriting breadth that smaller regional insurers cannot easily replicate. Its specialty lines and risk management capabilities also serve as differentiators in commercial segments.
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Pro Analysis
IFC-PE.TO — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 17, 2026 | 56.8 | 69.0 | 46.0 | 30.3 | 63.6 | 83.2 | -0.2 |
| May 15, 2026 | 57.0 | 69.2 | 46.0 | 30.3 | 63.6 | 84.2 | -5.1 |
| Apr 25, 2026 | 62.1 | 69.6 | 46.0 | 30.3 | 100.0 | 80.7 | -0.2 |
| Apr 21, 2026 | 62.3 | 69.6 | 46.0 | 30.3 | 100.0 | 82.3 | 0.0 |
| Apr 18, 2026 | 62.3 | 69.6 | 46.0 | 30.3 | 100.0 | 82.1 | -0.5 |
| Apr 16, 2026 | 62.8 | 69.6 | 46.0 | 30.3 | 100.0 | 85.3 | 0.0 |
| Apr 15, 2026 | 62.8 | 69.6 | 46.0 | 30.3 | 100.0 | 85.8 | -0.1 |
| Apr 14, 2026 | 62.9 | 69.6 | 46.0 | 30.3 | 100.0 | 86.2 | 0.0 |
| Apr 12, 2026 | 62.9 | 69.6 | 46.0 | 30.3 | 100.0 | 86.5 | — |
IFC-PE.TO — Pillar Breakdown
Quality
— 68.0/100 (25%)Intact Financial Corporation shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 30.3/100 (20%)Intact Financial Corporation faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Risk
— 63.6/100 (15%)Intact Financial Corporation maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 81.9/100 (15%)Intact Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 46/100 (25%)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-PE.TO.
Score Composition
Financial Data
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How is the IFC-PE.TO UQS Score Calculated?
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.