Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, Ireland, rest of Europe, and the Middle East. It offers personal auto insurance; insurance for motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles; personal property insurance, such as protection for homes and contents from risks, including fire, theft, vandalism, water damage, and other damages, as well as personal liability coverage; and property coverage for tenants, condominium owners, non-owner occupied residences, and seasonal residences. The company also provides insurance products for commercial lines for a group of small and medium sized businesses; commercial property insurance for the protection of physical assets of the business; and liability coverages comprising commercial general, product, and professional liability, as well as cyber endorsement. In addition, it offers commercial vehicle insurance coverages for the protection for commercial auto, fleets, garage operations, light trucks, public vehicles, and the specific needs of the sharing economy. Further, the company provides various personal levels of coverage to customers for their home, motor, pet, and other insurance products; general insurance, specialty lines, and risk management solutions; specialty insurance products for various product and customer groups, including accident and health, technology, ocean and inland marine, public entities, and entertainment, as well as financial services and institutions; and various products to specialty property, surety, tuition reimbursement, management liability, cyber, and environmental institutions. 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.

Intact Financial Corporation

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Intact Public Entities

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The Guarantee Company of North America

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We are here to help people, businesses and society prosper in good times and be resilient in bad times. This is our purpose and the foundation of our company – it drives everything we do and gives meaning to our work.-Nous sommes là pour aider les gens, les entreprises et la société à aller de l'avant dans les bons moments et à être résilients dans les moments difficiles. C'est notre raison d'être et l'essence même de notre entreprise.

Voyage

Metromile

Ischyros New York

Intact

	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23
revenue	7.37B -	7.94B 7.72%	8.05B 1.36%	8.51B 5.75%	9.32B 9.56%	10.60B 13.66%	11.35B 7.08%	12.46B 9.81%	17.48B 40.28%	21.15B 20.99%	22.09B 4.43%
cost of revenue
gross profit	7.37B -	7.94B 7.72%	8.05B 1.36%	8.51B 5.75%	9.32B 9.56%	10.60B 13.66%	11.35B 7.08%	12.46B 9.81%	17.48B 40.28%	21.15B 20.99%	22.09B 4.43%
selling and marketing expenses
general and administrative expenses
selling general and administrative expenses
research and development expenses
other expenses	-6.84B -	-6.92B 1.13%	-7.11B 2.75%	-7.75B 9.06%	-8.30B 7.07%	-9.61B 15.77%	-10.85B 12.89%	-11.56B 6.60%	-15.61B 34.97%	-18.03B 15.50%	-627M 96.52%
cost and expenses	6.91B -	6.98B 1.11%	7.17B 2.72%	7.83B 9.09%	8.38B 7.13%	9.71B 15.87%	10.52B 8.27%	11.10B 5.58%	14.91B 34.32%	18.21B 22.09%	20.29B 11.40%
operating expenses	-6.84B -	-6.92B 1.13%	-7.11B 2.75%	-7.75B 9.06%	-8.30B 7.07%	-9.61B 15.77%	-10.85B 12.89%	-11.56B 6.60%	-15.61B 34.97%	-18.03B 15.50%	627M 103.48%
interest expense	64M -	64M 0%	64M 0%	72M 12.50%	82M 13.89%	103M 25.61%	110M 6.80%	115M 4.55%	153M 33.04%	177M 15.69%	222M 25.42%
ebitda	619M -	1.12B 80.45%	1.05B 6.09%	868M 17.25%	1.14B 31.22%	1.15B 0.70%	735M 35.92%	1.21B 64.76%	2.33B 92.73%	3.69B 57.93%	2.36B 35.89%
operating income	529M -	1.02B 93.01%	939M 8.03%	758M 19.28%	1.02B 35.09%	989M 3.42%	500M 49.44%	897M 79.40%	1.87B 108.81%	3.12B 66.74%	1.77B 43.45%
depreciation and amortization	90M -	96M 6.67%	110M 14.58%	110M 0%	115M 4.55%	158M 37.39%	235M 48.73%	314M 33.62%	461M 46.82%	563M 22.13%	597M 6.04%
total other income expenses net	77M -	198M 157.14%	243M 22.73%	265M 9.05%	266M 0.38%	257M 3.38%	333M 29.57%	462M 38.74%	695M 50.43%	-181M 126.04%	23M 112.71%
income before tax	465M -	957M 105.81%	875M 8.57%	686M 21.60%	942M 37.32%	886M 5.94%	833M 5.98%	1.36B 63.15%	2.57B 88.96%	2.94B 14.56%	1.80B 38.68%
income tax expense	34M -	175M 414.71%	169M 3.43%	145M 14.20%	150M 3.45%	179M 19.33%	79M 55.87%	277M 250.63%	480M 73.29%	522M 8.75%	473M 9.39%
net income	431M -	782M 81.44%	706M 9.72%	541M 23.37%	792M 46.40%	707M 10.73%	754M 6.65%	1.08B 43.50%	2.07B 91.04%	2.42B 17.27%	1.32B 45.71%
weighted average shs out	132.40M -	131.50M 0.68%	131.50M 0%	131.20M 0.23%	133.10M 1.45%	139.20M 4.58%	139.50M 0.22%	143M 2.51%	162.40M 13.57%	175.60M 8.13%	176.20M 0.34%
weighted average shs out dil	132.40M -	131.50M 0.68%	131.50M 0%	131.20M 0.23%	133.10M 1.45%	139.20M 4.58%	139.50M 0.22%	143M 2.51%	162.40M 13.57%	175.60M 8.13%	176.20M 0.34%
eps	3.10 -	5.79 86.77%	5.20 10.19%	3.97 23.65%	5.75 44.84%	5.08 11.65%	5.08 0%	7.20 41.73%	12.40 72.22%	13.46 8.55%	6.99 48.07%
epsdiluted	3.10 -	5.79 86.77%	5.20 10.19%	3.97 23.65%	5.75 44.84%	5.08 11.65%	5.08 0%	7.20 41.73%	12.40 72.22%	13.46 8.55%	6.99 48.07%

COM:INTACTFC

Intact Financial Corporation

Last Close

272.71

22/11 21:00

Market Cap

42.24B

Beta: -

Volume Today

189.26K

Avg: -

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