ScoreWhy is Intact Financial Corp. ?
1
Strong Long Term Fundamental Strength with a 20.01% CAGR growth in Net Sales
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at CAD 3,895 MM
- DIVIDEND PER SHARE(HY) Highest at CAD 0
- INTEREST COVERAGE RATIO(Q) Highest at 375.44
3
With ROE of 14.26%, it has a very expensive valuation with a 2.47 Price to Book Value
- Over the past year, while the stock has generated a return of 1.71%, its profits have risen by 9.8% ; the PEG ratio of the company is 1.8
4
Majority shareholders : Mutual Funds
5
Underperformed the market in the last 1 year
- The stock has generated a return of 1.71% in the last 1 year, much lower than market (S&P/TSX 60) returns of 22.54%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Intact Financial Corp. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Intact Financial Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Intact Financial Corp.
-100.0%
8.23
18.90%
S&P/TSX 60
19.1%
1.54
14.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.01%
EBIT Growth (5y)
121.24%
EBIT to Interest (avg)
0.92
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
20.80%
Dividend Payout Ratio
39.10%
Pledged Shares
0
Institutional Holding
0.62%
ROCE (avg)
0.90%
ROE (avg)
14.85%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
2.47
EV to EBIT
NA
EV to EBITDA
65.98
EV to Capital Employed
2.26
EV to Sales
1.71
PEG Ratio
1.77
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
14.26%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CAD 3,895 MM
DIVIDEND PER SHARE(HY)
Highest at CAD 0
INTEREST COVERAGE RATIO(Q)
Highest at 375.44
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DEBT-EQUITY RATIO
(HY)
Lowest at 20 %
OPERATING PROFIT(Q)
Highest at CAD 1,332 MM
OPERATING PROFIT MARGIN(Q)
Highest at 18.03 %
PRE-TAX PROFIT(Q)
Highest at CAD 1,243 MM
NET PROFIT(Q)
Highest at CAD 963.62 MM
EPS(Q)
Highest at CAD 4.7
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Intact Financial Corp.
Operating Cash Flow
Highest at CAD 3,895 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CAD MM)
Interest Coverage Ratio
Highest at 375.44
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Dividend per share
Highest at CAD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (CAD)
Operating Profit
Highest at CAD 1,332 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CAD MM)
Operating Profit Margin
Highest at 18.03 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at CAD 1,243 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CAD MM)
Pre-Tax Profit
At CAD 1,243 MM has Grown at 56.8%
over average net sales of the previous four periods of CAD 792.75 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CAD MM)
Net Profit
Highest at CAD 963.62 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CAD MM)
EPS
Highest at CAD 4.7
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CAD)
Debt-Equity Ratio
Lowest at 20 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at CAD 214 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (CAD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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