INTACT FINANCIAL CORPORATION chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 120.69
Dividend & Yield4.00C$ (1.97%)
Beta 0.63
Market capitalization 36.3B
Operating cash flow 3.43B
ESG Scores 21.4

Company description

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.

Sector: Financial Services - Industry: Insurance—Property & Casualty

Financial Ratios
Quick Ratio0.7
Working Capital-0.25
Return On Equity0.14
Debt To Equity0.3
Fixed Asset Ratio0.17
Fixed Interest Cover18.9

Financial data

Financial Statements

Cashflow Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Change To Liabilities -33M 274M 375M 434M
Total Cashflows From Investing Activities -285M -842M -2.44B -5.97B
Net Borrowings -60M 130M 603M 728M
Total Cash From Financing Activities -283M 57M 79M 4.21B
Change To Operating Activities 121M 178M 957M 809M
Issuance Of Stock 461M 461M 4.31B 4.31B
Net Income 707M 754M 1.08B 2.07B
Change In Cash 279M 494M -19M 1.36B
Effect Of Exchange Rate 14M -11M -8M -4M
Total Cash From Operating Activities 833M 1.29B 2.35B 3.13B
Depreciation 113M 183M 249M 329M
Change To Account Receivables 19M -136M -246M -90M
Other Cashflows From Financing Activities -7M -17M -98M -90M
Change To Netincome -139M -15M -130M -552M
Capital Expenditures -117M -117M -163M -327M

Income Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Research Development
Income Before Tax 886M 833M 1.36B 2.57B
Net Income 707M 754M 1.08B 2.07B
Selling General Administrative
Gross Profit 4.21B 1.15B 1.91B 3.31B
Ebit 4.05B 928M 1.56B 2.89B
Operating Income 4.05B 928M 1.56B 2.89B
Interest Expense -103M -110M -115M -153M
Income Tax Expense 179M 79M 277M 480M
Total Revenue 10.6B 11.31B 12.48B 17.88B
Cost Of Revenue 6.39B 10.16B 10.58B 14.58B
Total Other Income ExpenseNet -3.16B -95M -201M -324M
Net Income From Continuing Ops 707M 754M 1.08B 2.09B
Net Income Applicable To Common Shares 667M 709M 1.03B 2.01B

Balance Sheet Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Total Liabilities 20.65B 23.55B 25.54B 49.57B
Total Stockholder Equity 6.78B 7.72B 8.41B 14.5B
Other Current Liabilities 5.62B 6.35B 6.45B 12.04B
Total Assets 28.46B 32.29B 35.12B 66.35B
Common Stock 2.82B 3.27B 3.27B 7.58B
Other Current Assets 1.14B 1.76B 2.44B 7.11B
Retained Earnings 3.78B 3.96B 4.55B 6.18B
Treasury Stock 41M 325M 409M 529M
Cash 442M 936M 917M 2.28B
Total Current Liabilities 17.33B 11.18B 12.69B 26.82B
Other Stockholder Equity 41M 325M 409M 529M
Property, Plant, and Equipment 170M 538M 520M 774M
Total Current Assets 5.36B 6.84B 7.76B 18.66B
Net Tangible Assets 2.18B 2.57B 3.08B 6.8B
Net Receivables 3.71B 4.03B 4.21B 8.61B
Accounts Payable 10.77B 4.03B 4.72B 11.89B


Insider Transactions

Here are the insider transactions of stock shares related to INTACT FINANCIAL CORPORATION:

Filer Name Transaction Text Ownership Date Filer Relation Shares
Russell (Stuart Johnathan)Compensation for services at price 139.46 per share.D2022-10-14Director of Issuer199
Clarke de Dromantin (Emmanuel Jacques)Compensation for services at price 139.46 per share.D2022-10-14Director of Issuer344
Intact Financial CorpD2022-09-30Issuer16.55k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 144.93 per share.D2022-09-29Issuer2.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 144.32 per share.D2022-09-28Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 142.67 per share.D2022-09-27Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 142.84 per share.D2022-09-26Issuer2.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 145.60 per share.D2022-09-23Issuer2.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 147.56 per share.D2022-09-22Issuer2.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.34 per share.D2022-09-21Issuer2.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.97 per share.D2022-09-20Issuer1.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 153.06 per share.D2022-09-19Issuer1.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 152.91 per share.D2022-09-16Issuer1.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 154.35 per share.D2022-09-15Issuer1.05k
Intact Financial CorpD2022-09-15Issuer28.95k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 154.10 per share.D2022-09-14Issuer1.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 155.18 per share.D2022-09-13Issuer1.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 156.92 per share.D2022-09-12Issuer2.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 154.52 per share.D2022-09-09Issuer2.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 151.91 per share.D2022-09-08Issuer2.05k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.30 per share.D2022-09-07Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 147.78 per share.D2022-09-06Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 145.66 per share.D2022-09-02Issuer4.15k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 143.67 per share.D2022-09-01Issuer4.15k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 145.72 per share.D2022-08-31Issuer4.15k
Intact Financial CorpD2022-08-31Issuer77k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 146.31 per share.D2022-08-30Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 147.76 per share.D2022-08-29Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 148.28 per share.D2022-08-26Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.77 per share.D2022-08-25Issuer3k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 148.98 per share.D2022-08-24Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 150.30 per share.D2022-08-23Issuer2.05k
Marcotte, LouisAcquisition or disposition in the public market at price 150.49 per share.D2022-08-23Senior Officer of Issuer4k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.62 per share.D2022-08-22Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 150.44 per share.D2022-08-19Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 151.15 per share.D2022-08-18Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 151.84 per share.D2022-08-17Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 151.61 per share.D2022-08-16Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.82 per share.D2022-08-15Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 150.16 per share.D2022-08-12Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.30 per share.D2022-08-11Issuer4.15k
Fortin, AnneAcquisition or disposition in the public market at price 149.98 per share.D2022-08-11Senior Officer of Issuer350
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.45 per share.D2022-08-10Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.11 per share.D2022-08-09Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 149.62 per share.D2022-08-08Issuer3.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 147.30 per share.D2022-08-05Issuer4.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 147.51 per share.D2022-08-04Issuer4.15k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 147.20 per share.D2022-08-03Issuer4.1k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 146.34 per share.D2022-08-02Issuer4.15k
Intact Financial CorpRedemption, retraction, cancelation, repurchase at price 148.13 per share.D2022-07-29Issuer5.5k
Intact Financial CorpD2022-07-29Issuer138.85k

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to INTACT FINANCIAL CORPORATION. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on INTACT FINANCIAL CORPORATION

Here is the result of two systematic investment strategies applied to INTACT FINANCIAL CORPORATION. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on INTACT FINANCIAL CORPORATION

The following chart shows the equity curve of the two systematic investment strategies applied to INTACT FINANCIAL CORPORATION:

INTACT FINANCIAL CORPORATION automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 24.15% on the backtest period.

Performance at glance

Performance

24.15 %

Latent gain

378.28 C$

Invested capital

1566.63 C$

Annualized return

5.83 %
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Momentum strategy results on INTACT FINANCIAL CORPORATION

This is the result of two momentum investment strategies applied to INTACT FINANCIAL CORPORATION. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on INTACT FINANCIAL CORPORATION

The following chart shows all the entries opened by the momentum investment system on INTACT FINANCIAL CORPORATION:

INTACT FINANCIAL CORPORATION momentum entries
  • The first momentum investment strategy would give 31.34% of return on INTACT FINANCIAL CORPORATION. That represents 2151.85C$ of latent gain with 6865.46C$ of employed capital.
  • The second momentum investment strategy would give 30.99% of return on INTACT FINANCIAL CORPORATION. That represents 1003.82C$ of latent gain with 3239.62C$ of employed capital.
Performance at glance (1Q Momentum)

Performance

31.34 %

Latent gain

2151.85 C$

Invested capital

6865.46 C$

Annualized return

10.58 %
Performance at glance (2Q Momentum)

Performance

30.99 %

Latent gain

1003.82 C$

Invested capital

3239.62 C$

Annualized return

8.47 %

Momentum equity curve on INTACT FINANCIAL CORPORATION

The following chart shows the equity curve of the two momentum strategies applied to INTACT FINANCIAL CORPORATION:

INTACT FINANCIAL CORPORATION momentum equity

Note: the dividends potentially given by INTACT FINANCIAL CORPORATION are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on INTACT FINANCIAL CORPORATION

The following chart shows the employed capital evolution of the two momentum strategies on INTACT FINANCIAL CORPORATION since the beginning:

INTACT FINANCIAL CORPORATION

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250C$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000C$.


Buy the dip strategy result on INTACT FINANCIAL CORPORATION

Buy the dip entry openings on INTACT FINANCIAL CORPORATION

INTACT FINANCIAL CORPORATION

The performance achieved by the robo-advisor on INTACT FINANCIAL CORPORATION is 22.65%. That represents 130.62$ of latent gain with 576.62C$ of employed capital. The following chart shows INTACT FINANCIAL CORPORATION stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of INTACT FINANCIAL CORPORATION, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

22.65 %

Latent gain

130.62 C$

Invested capital

576.62 C$

Annualized return

10.58 %

Equity curve of the strategy applied to INTACT FINANCIAL CORPORATION

The following chart shows the result of the investment strategy applied to INTACT FINANCIAL CORPORATION:

INTACT FINANCIAL CORPORATION

Note: the dividends potentially given by INTACT FINANCIAL CORPORATION are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on INTACT FINANCIAL CORPORATION

The following chart shows the employed capital evolution since the beginning of the investment strategy on INTACT FINANCIAL CORPORATION:

INTACT FINANCIAL CORPORATION

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on INTACT FINANCIAL CORPORATION

In this section, I will compare the three previous investment strategies applied to INTACT FINANCIAL CORPORATION.

Equity curve comparison on INTACT FINANCIAL CORPORATION

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

INTACT FINANCIAL CORPORATION investment strategy comparison

Employed capital comparison on INTACT FINANCIAL CORPORATION

INTACT FINANCIAL CORPORATION investment comparison

Performance comparison on INTACT FINANCIAL CORPORATION

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 24.15% 378.28C$ 1566.63C$ 5.83%
Momentum 1 quarter 31.34% 2151.85C$ 6865.46C$ 8.04%
Momentum 2 quarters 30.99% 1003.82C$ 3239.62C$ 8.47%
Non-directional 22.65% 130.62C$ 576.62C$ 10.58%
Annualized return comparison

Automatic investment

5.83 %

Momentum 1Q

8.47 %

Momentum 2Q

8.47 %

Non-directional

10.58 %

Correlated stocks

Here are the most positively and negatively correlated stocks with INTACT FINANCIAL CORPORATION:

Positive correlations

Most correlated stocks this year

  • INTACT FINANCIAL CORPORATION

  • Most correlated stocks last 3 months

  • SHL TELEMEDICINE N
  • Ferroglobe Plc
  • INTACT FINANCIAL CORPORATION

  • Negative correlation

    Most negatively correlated stocks this year


    Most negatively correlated stocks last 3 months


    Note: The algorithm computes the probability of correlation between INTACT FINANCIAL CORPORATION and the other stocks. There may be false positives or some missing correlated stocks. If the price of INTACT FINANCIAL CORPORATION does not vary for 36 weeks, the correlation calculation result will be wrong.


    Company information

    Company name INTACT FINANCIAL CORPORATION
    Country Canada
    City Toronto
    Address 700 University Avenue
    Phone
    Website www.intactfc.com
    FullTime employees 26000
    Industry Insurance—Property & Casualty
    Sector Financial Services
    Exchange XTSE
    Ticker IFC.XTSE
    Market

    INTACT FINANCIAL CORPORATION ESG Scores

    Environment scores

    Environment ESG Factors Scores
    Environment Score 1.5
    Peer Environment Performance 1.4494680851064
    Environment Percentile unknown
    Palm Oil no
    Nuclear no
    Fur Leather no
    GMO no
    Coal no
    Pesticides no
    Animal Testing no

    Social scores

    Social ESG Factors Scores
    Social Score 9.1
    Peer Social Performance 8.7667021276596
    Social Percentile unknown
    Highest Controversy 1
    Peer Highest Controversy Performance 1.46875
    Adult no
    Gambling no
    Alcoholic no
    Tobacco no
    Catholic no
    Controversial Weapons no
    Small Arms no
    Military Contract no
    Peer Count yes

    Related Controversy: Product & Service IncidentsCustomer Incidents


    Governance scores

    Governance ESG Factors Scores
    Governance Score 10.8
    Peer Governance Performance 10.650425531915
    Governance Percentile unknown

    ESG at glance
    Total ESG Scores: 21.4
    Environment Score: 1.5
    Social Score: 9.1
    Governance Score: 10.8

    ESG Performance: AVG_PERF

    Peer Group: Insurance

    Peer Esg Score Performance: 21.185416666667

    Rating Year: 2022

    Rating Month: 8

    Max Age: 86400

    Percentile: 30