IFC-PG.TO
Financial ServicesIntact Financial Corporation · Insurance - Property & Casualty · $22B
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.
Intact generates revenue by underwriting a wide range of insurance policies — from personal auto and home coverage to commercial property, liability, and specialty lines. Premiums collected from policyholders, combined with disciplined claims management and investment income from float, form the core of its business model. The company also serves niche segments including recreational vehicles, cyber liability, and risk management solutions for mid-sized enterprises.
The company was established in 2018 and is headquartered in Toronto, Canada.
- Personal auto and recreational vehicle insurance
- Home, tenant, and condominium property insurance
- Commercial property, liability, and specialty lines
- Cyber endorsement and risk management solutions
Is IFC-PG.TO a Good Stock to Buy?
UQS Score rates IFC-PG.TO as Good overall, reflecting a balanced profile with meaningful strengths and some areas of caution.
The Risk pillar stands out as a clear strength, suggesting the company carries a conservative financial structure relative to sector peers. Valuation is rated Attractive, meaning the preferred shares may offer reasonable value at current levels. Quality is rated Good, indicating sound underlying business fundamentals.
Both the Moat and Growth pillars are rated Weak, pointing to limited competitive differentiation and subdued near-term expansion prospects within a competitive 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-PG.TO pay dividends?
Yes — Intact Financial Corporation pays a dividend.
IFC-PG.TO pays a regular dividend, consistent with the nature of preferred share instruments that typically carry fixed or floating distributions. Intact's scale and established underwriting operations support ongoing dividend payments. Investors seeking predictable income from a large-cap Canadian insurer often consider preferred share series like this one for that reason.
When does IFC-PG.TO report earnings?
Intact Financial Corporation reports earnings on a quarterly cadence, typical for TSX-listed financial services companies.
Intact's results are driven by underwriting performance, claims ratios, and investment income — all of which can shift with weather events, interest rate movements, and economic conditions. The company's diversified geographic footprint helps moderate volatility across any single market.
For the most recent quarter's results, visit Intact Financial Corporation's investor relations page directly.
IFC-PG.TO Price History
+38.1% 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-PG.TO Long-term Outlook
The Growth pillar's Weak rating suggests the near-term expansion outlook is modest, reflecting a mature insurance market and limited organic premium acceleration. However, the Strong Risk rating indicates the company is well-positioned to weather adverse underwriting cycles. The Attractive Valuation label on this preferred series may appeal to income-focused investors who prioritize capital preservation over growth.
Growth drivers
- Geographic diversification across Canada, the US, UK, and Europe
- Expansion into specialty and commercial lines with higher margin potential
- Rising insurance demand driven by climate-related property risk awareness
Key risks
- Elevated catastrophe claims from severe weather events compressing underwriting margins
- Competitive pressure in personal lines limiting pricing power
- Interest rate sensitivity affecting the value of fixed-income investment portfolios
IFC-PG.TO vs Peers
Intact Financial operates in a global property and casualty insurance market alongside several well-known specialty and diversified insurers.
Loews is a diversified conglomerate with insurance exposure through CNA Financial, giving it a broader business mix beyond pure-play P&C underwriting.
Markel focuses on specialty insurance niches and also operates a venture-style investment portfolio, distinguishing it from Intact's more traditional personal and commercial lines focus.
W. R. Berkley emphasizes disciplined specialty and commercial underwriting across decentralized business units, with a strong US-centric footprint compared to Intact's Canadian-led international model.
Frequently Asked Questions
What does Intact Financial Corporation do?
Intact Financial provides property and casualty insurance to individuals and businesses across Canada, the US, the UK, Ireland, and other international markets. Its products span personal auto, home, commercial property, liability, specialty lines, and risk management solutions.
Does IFC-PG.TO pay dividends?
Yes. As a preferred share series, IFC-PG.TO pays a regular dividend. Preferred shares typically carry fixed or floating distributions, making them a common choice for income-focused investors. The sustainability of those payments is supported by Intact's scale as a leading Canadian insurer.
When does IFC-PG.TO report earnings?
Intact Financial reports on a quarterly cadence. Preferred shareholders are affected by the company's overall financial health, so quarterly results matter. For exact reporting dates, check Intact Financial's official investor relations page.
Is IFC-PG.TO a good stock to buy?
UQS Score rates IFC-PG.TO as Good overall. The Risk pillar is Strong and Valuation is Attractive, which may suit conservative income investors. However, the Moat and Growth pillars are both Weak, signaling limited competitive differentiation and modest expansion prospects. The full pillar breakdown is available to Pro members.
Is IFC-PG.TO overvalued?
The UQS Valuation pillar for IFC-PG.TO is rated Attractive, suggesting the preferred shares are not considered expensive relative to the underlying fundamentals. For the specific metrics driving that rating, the complete analysis is accessible through a UQS Pro account.
How does IFC-PG.TO compare to its competitors?
Intact Financial competes with diversified and specialty insurers such as Loews Corporation, Markel Corporation, and W. R. Berkley. Intact's distinguishing feature is its Canadian-led international footprint and broad personal lines franchise, whereas peers like Markel and W. R. Berkley lean more heavily into specialty commercial niches.
What is IFC-PG.TO's market cap bracket?
Intact Financial Corporation is classified as a large-cap company. This reflects its position as one of the dominant property and casualty insurers in Canada, with significant operations across North America and Europe.
Who founded Intact Financial Corporation?
Intact Financial's founding history and executive leadership are publicly documented on the company's official website and through Canadian financial regulatory filings. The company traces its roots to ING Canada before rebranding and evolving into its current form.
Is IFC-PG.TO a long-term quality indicator?
From a quality standpoint, IFC-PG.TO scores Good on the UQS composite, with a Strong Risk rating suggesting financial resilience over time. The Weak Moat rating, however, indicates the company may face ongoing competitive pressure — a factor long-term investors should weigh carefully alongside the Attractive Valuation.
What sector does IFC-PG.TO belong to?
IFC-PG.TO belongs to the Financial Services sector, specifically within the property and casualty insurance industry. This sector is sensitive to underwriting cycles, catastrophe events, and interest rate movements, all of which influence insurer profitability and preferred share stability.
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Pro Analysis
IFC-PG.TO — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 17, 2026 | 55.1 | 69.0 | 39.0 | 30.3 | 63.6 | 83.2 | -0.3 |
| May 14, 2026 | 55.4 | 69.2 | 39.0 | 30.3 | 63.6 | 85.4 | -4.9 |
| Apr 25, 2026 | 60.3 | 69.6 | 39.0 | 30.3 | 100.0 | 80.7 | -0.3 |
| Apr 21, 2026 | 60.6 | 69.6 | 39.0 | 30.3 | 100.0 | 82.3 | +0.1 |
| Apr 18, 2026 | 60.5 | 69.6 | 39.0 | 30.3 | 100.0 | 82.1 | -0.5 |
| Apr 16, 2026 | 61.0 | 69.6 | 39.0 | 30.3 | 100.0 | 85.3 | -0.1 |
| Apr 15, 2026 | 61.1 | 69.6 | 39.0 | 30.3 | 100.0 | 85.8 | 0.0 |
| Apr 14, 2026 | 61.1 | 69.6 | 39.0 | 30.3 | 100.0 | 86.2 | -0.1 |
| Apr 12, 2026 | 61.2 | 69.6 | 39.0 | 30.3 | 100.0 | 86.5 | — |
IFC-PG.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
— 39/100 (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-PG.TO.
Score Composition
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How is the IFC-PG.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.