The Bid & Ask

Quotations, Dispatches, and the Daily Tape

Thursday, August 13, 2026

Subject of the day

IFC.TO

Concerning the House

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. It offers insurance, such as personal auto that provides coverage from accidents, third-party liability, and physical damage; personal property which provides protection for homes and belongings from risks, including fire, theft, vandalism, water damages, other damages, and personal liability; and commercial line and specialty line insurance, including commercial auto, property, and liability coverages. The company also provides business insurance. It serves its products to accident and health, technology, ocean and inland marine, builder's risk, and entertainment, as well as financial professional lines; and various products to specialty property, surety, tuition reimbursement, general liability, and cyber and environmental institutions. The company offers specialty insurance products, including brokers, direct to consumer, agencies, wholesalers, affinity partners, Intact Prestige, and managing general agent platform. It offers its products through multiple distribution channels, such as brokers, direct-to-consumer, and managing general agent (MGA) platforms. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.

Canada · www.intactfc.com

The Ledger
LineJun 2025Sep 2025Dec 2025Mar 2026
Revenue$6.33B$6.70B$6.64B$6.39B
Net income$867.00M$861.00M$961.00M$752.00M
Diluted EPS4.704.734.12
Free cash flow$1.05B$1.55B$841.00M$272.00M
CapEx-$85.00M-$127.00M-$156.00M-$154.00M
Quotation

$272.58

-1.56 (-0.6%)

52w hi$305.00
52w lo$242.97
Vol380.39K
As ofAug 13
The Verdict

Hold

Our score +0.32

Short+0.26
Medium+0.39
Long+0.30

computed 2026-08-13

By the Numbers

Intact Financial Corporation

Financial Services · Insurance - Property & Casualty

Market cap$48.19B
Enterprise value$51.48B
Trailing P/E15.16x
Forward P/E14.57x
EV / EBITDA9.45x
P / S (ttm)1.81x
Profit margin12.4%
Return on equity16.1%
Revenue growth+3.7%
Earnings growth-17.0%
Debt / equity23.00
Risk Metrics
Beta vs SPX0.16
Corr SPX0.13
Annual vol20.0%
Annual ret+8.4%
Sharpe0.42
Max DD-21.3%

Window: 504 trading days (493 obs)

Layer Breakdown
LayerRawContribution
Fundamental+0.24
Sector+0.09
Technical+0.22
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-08-13

Recent Sessions
DateOpenHighLowCloseVol
Aug 13$275.00$277.60$272.42$272.58380.39K
Aug 12$275.34$277.59$272.75$274.14708.00K
Aug 11$277.07$277.14$274.81$276.17380.70K
Aug 10$278.44$279.83$274.49$276.30293.20K
Aug 7$279.51$281.87$278.59$279.39272.70K