Intact Financial Corporation (IFCN) Ratios
Intact Financial Corporation Ratios
MX:IFCN's free cash flow for Q2 2026 was $942.00M. For the 2026 fiscal year, MX:IFCN's free cash flow was decreased by $-138.00M and operating cash flow was $1.08B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 6.11 | 10.70 | 7.98 | 13.87 | 0.20 |
| Quick Ratio | 6.11 | 10.70 | 7.98 | 13.87 | 0.20 |
| Cash Ratio | 0.26 | 0.48 | 0.50 | 0.41 | 0.11 |
| Solvency Ratio | 0.10 | 0.07 | 0.05 | 0.08 | 0.07 |
| Operating Cash Flow Ratio | 1.04 | 1.82 | 0.79 | 1.50 | 0.14 |
| Short-Term Operating Cash Flow Coverage | 10.92 | 7.56 | 1.74 | 26.75 | 7.13 |
| Net Current Asset Value | $ -16.27B | $ -21.53B | $ -20.75B | $ -3.67B | $ -33.88B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.08 | 0.09 | 0.10 | 0.10 | 0.10 |
| Debt-to-Equity Ratio | 0.25 | 0.30 | 0.35 | 0.33 | 0.40 |
| Debt-to-Capital Ratio | 0.20 | 0.23 | 0.26 | 0.25 | 0.29 |
| Long-Term Debt-to-Capital Ratio | 0.17 | 0.19 | 0.20 | 0.22 | 0.25 |
| Financial Leverage Ratio | 3.02 | 3.28 | 3.46 | 3.39 | 4.23 |
| Debt Service Coverage Ratio | 7.00 | 4.86 | 1.68 | 10.16 | 4.56 |
| Interest Coverage Ratio | 19.14 | 12.96 | 8.13 | 16.99 | 16.78 |
| Debt to Market Cap | 0.09 | 0.10 | 0.14 | 0.14 | 0.21 |
| Interest Debt Per Share | 30.75 | 31.95 | 33.84 | 31.08 | 39.77 |
| Net Debt to EBITDA | 0.78 | 1.20 | 1.74 | 1.14 | 1.27 |
| Profitability Margins | |||||
| Gross Profit Margin | 21.84% | 16.13% | 12.85% | 16.26% | 48.98% |
| EBIT Margin | 17.38% | 12.41% | 8.70% | 14.13% | 15.48% |
| EBITDA Margin | 20.44% | 15.31% | 11.26% | 16.62% | 18.10% |
| Operating Profit Margin | 16.52% | 11.52% | 7.75% | 13.34% | 14.61% |
| Pretax Profit Margin | 16.52% | 11.52% | 7.75% | 13.34% | 14.61% |
| Net Profit Margin | 12.91% | 9.19% | 5.65% | 10.89% | 11.76% |
| Continuous Operations Profit Margin | 12.91% | 9.25% | 5.71% | 10.87% | 11.88% |
| Net Income Per EBT | 78.13% | 79.81% | 72.95% | 81.61% | 80.49% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 5.35% | 3.86% | 2.35% | 4.57% | 3.12% |
| Return on Equity (ROE) | 16.15% | 12.66% | 8.13% | 15.49% | 13.19% |
| Return on Capital Employed (ROCE) | 7.34% | 4.99% | 3.36% | 5.86% | 5.74% |
| Return on Invested Capital (ROIC) | 5.70% | 3.97% | 2.01% | 2.90% | 4.42% |
| Return on Tangible Assets | 6.34% | 4.60% | 2.81% | 5.37% | 3.52% |
| Earnings Yield | 6.61% | 4.92% | 3.67% | 7.17% | 7.74% |
| Efficiency Ratios | |||||
| Receivables Turnover | 4.15 | 35.09 | 38.18 | 23.80 | 90.14 |
| Payables Turnover | 27.24 | 27.28 | 134.42 | 25.93 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 30.14 | 30.47 | 29.15 | 28.97 | 22.71 |
| Asset Turnover | 0.41 | 0.42 | 0.42 | 0.42 | 0.26 |
| Working Capital Turnover Ratio | 1.32 | 1.45 | 0.97 | 3.17 | -1.48 |
| Cash Conversion Cycle | 74.46 | -2.98 | 6.84 | 1.26 | 4.05 |
| Days of Sales Outstanding | 87.86 | 10.40 | 9.56 | 15.34 | 4.05 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 13.40 | 13.38 | 2.72 | 14.08 | 0.00 |
| Operating Cycle | 87.86 | 10.40 | 9.56 | 15.34 | 4.05 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 24.64 | 19.00 | 10.48 | 20.87 | 19.27 |
| Free Cash Flow Per Share | 22.07 | 16.59 | 7.88 | 18.53 | 17.25 |
| Dividend Paid and CapEx Coverage Ratio | 2.94 | 2.45 | 1.40 | 3.12 | 3.11 |
| Capital Expenditure Coverage Ratio | 9.60 | 7.90 | 4.03 | 8.92 | 9.57 |
| Operating Cash Flow Coverage Ratio | 0.84 | 0.62 | 0.32 | 0.69 | 0.50 |
| Operating Cash Flow to Sales Ratio | 0.17 | 0.14 | 0.08 | 0.16 | 0.18 |
| Free Cash Flow Yield | 7.72% | 6.34% | 3.87% | 9.51% | 10.49% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 15.54 | 21.14 | 27.28 | 13.95 | 12.92 |
| Price-to-Sales (P/S) Ratio | 1.95 | 1.87 | 1.54 | 1.52 | 1.52 |
| Price-to-Book (P/B) Ratio | 2.44 | 2.57 | 2.22 | 2.16 | 1.70 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.95 | 15.78 | 25.87 | 10.52 | 9.53 |
| Price-to-Operating Cash Flow Ratio | 11.60 | 13.78 | 19.45 | 9.34 | 8.53 |
| Price-to-Earnings Growth (PEG) Ratio | 0.32 | 0.27 | -0.56 | 1.41 | 0.18 |
| Enterprise Value Multiple | 10.33 | 13.39 | 15.43 | 10.27 | 9.66 |
| Enterprise Value | 55.06B | 51.25B | 40.47B | 38.50B | 30.73B |
| EV to EBITDA | 10.33 | 13.39 | 15.43 | 10.27 | 9.66 |
| EV to Sales | 2.11 | 2.05 | 1.74 | 1.71 | 1.75 |
| EV to Free Cash Flow | 14.01 | 17.33 | 29.16 | 11.83 | 10.97 |
| EV to Operating Cash Flow | 12.55 | 15.13 | 21.93 | 10.50 | 9.82 |
| Tangible Book Value Per Share | 62.02 | 48.13 | 41.67 | 46.00 | 125.89 |
| Shareholders’ Equity Per Share | 116.99 | 101.78 | 91.88 | 90.22 | 96.51 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.22 | 0.20 | 0.26 | 0.19 | 0.19 |
| Revenue Per Share | 146.40 | 140.12 | 132.18 | 128.35 | 108.23 |
| Net Income Per Share | 18.89 | 12.88 | 7.47 | 13.97 | 12.73 |
| Tax Burden | 0.78 | 0.80 | 0.73 | 0.82 | 0.80 |
| Interest Burden | 0.95 | 0.93 | 0.89 | 0.94 | 0.94 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.03 | 0.03 | 0.03 | 0.03 | 0.00 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.02 | 1.18 | 1.02 | 1.25 | 1.22 |
Currency in CAD