IFCZF
Intact Financial Corporation
OTC Markets OTCPKUSDEQUITY
Financial Services
DELAYED
Last price
192.86
▲ 0.07 (0.04%)
MARKET · —
Price
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
192.18
Prev close
192.79
Day high
193.37
Day low
192.18
Volume
52
Market cap
$34.01B
P/E (TTM)
14.81
52W range
174.43 – 226.09
Trailing performance
Returnvs SPY
1W
-0.37%
+1.0%
1M
-4.97%
-8.7%
3M
-5.14%
-8.2%
6M
+0.46%
-10.6%
YTD
-7.22%
-19.5%
1Y
-4.44%
-24.4%
3Y
+32.75%
-41.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on IFCZF open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
525.52K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 31, 26 | Intact Financial Corp Issuer |
BUY | 15.00K | $2.94M | Direct |
| Jul 31, 26 | Intact Financial Corp Issuer |
— | 136.70K | — | Direct |
| Jul 30, 26 | Intact Financial Corp Issuer |
BUY | 22.30K | $4.39M | Direct |
| Jul 29, 26 | Intact Financial Corp Issuer |
BUY | 9.50K | $1.94M | Direct |
| Jul 27, 26 | Intact Financial Corp Issuer |
BUY | 4.30K | $892.92K | Direct |
| Jul 24, 26 | Intact Financial Corp Issuer |
BUY | 9.50K | $1.96M | Direct |
| Jul 23, 26 | Intact Financial Corp Issuer |
BUY | 9.50K | $1.91M | Direct |
| Jul 22, 26 | Intact Financial Corp Issuer |
BUY | 9.50K | $1.94M | Direct |
| Jul 21, 26 | Intact Financial Corp Issuer |
BUY | 9.50K | $1.95M | Direct |
| Jul 20, 26 | Intact Financial Corp Issuer |
BUY | 8.40K | $1.74M | Direct |
| Jul 17, 26 | Intact Financial Corp Issuer |
BUY | 9.50K | $1.97M | Direct |
| Jul 16, 26 | Intact Financial Corp Issuer |
BUY | 9.50K | $1.97M | Direct |
| Jul 15, 26 | Intact Financial Corp Issuer |
BUY | 9.50K | $1.97M | Direct |
| Jul 15, 26 | Paquette (Sylvie) Director of Issuer |
COMPENSATION | 108 | $22.55K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
Anderson, Kenneth |
Senior Officer of Issuer | 12.50K | Exercise of rights |
Barbeau, Patrick |
Senior Officer of Issuer | 19.32K | Exercise of rights |
Brindamour (Charles) |
Senior Officer of Issuer | 137.63K | Exercise of rights |
Clarke de Dromantin (Emmanuel Jacques) |
Senior Officer of Issuer | 52.34K | Grant of rights |
Fortin, Anne |
Senior Officer of Issuer | 16.30K | Acquisition or disposition in the public market |
Gagnon, Louis |
Senior Officer of Issuer | 42.26K | Exercise of rights |
Intact Financial Corp |
Issuer | 151.70K | Redemption, retraction, cancelation, repurchase |
Johnson (Randy T) |
Senior Officer of Issuer | 12.11K | Exercise of rights |
Miller (Timothy Michael) |
Director of Issuer | 37.77K | Exercise of rights |
Norgrove (Kenneth Michael) |
Senior Officer of Issuer | 32.96K | Exercise of rights |
Fundamentals
Market cap$34.01B
Enterprise value$37.15B
Revenue (TTM)$26.59B
Gross profit$4.76B
EBITDA$5.45B
Net income$3.20B
EPS (TTM)$13.02
Free cash flow$5.28B
Total cash$3.33B
Total debt$4.99B
Book value / share$83.34
Shares outstanding176.35M
Float175.55M
Short % of float—
Dividend yield2.16%
Beta (5Y)0.29
Valuation & profitability ratios
Trailing P/E14.81
Forward P/E14.20
PEG ratio—
Price / sales—
Price / book2.31
EV / revenue1.40
EV / EBITDA6.82
Gross margin17.92%
Operating margin14.51%
Profit margin12.39%
Return on equity16.09%
Return on assets4.70%
Debt / equity23.00
Current ratio0.34
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $26.07B | $24.98B | $23.29B | $22.54B | +4.4% |
| Operating revenue | $26.07B | $24.98B | $23.29B | $22.54B | +4.4% |
| Selling, general & admin | $843.00M | $756.00M | $626.00M | $622.00M | +11.5% |
| Net interest income | -$225.00M | -$222.00M | -$222.00M | -$177.00M | -1.4% |
| Pre-tax income | $4.31B | $2.88B | $1.80B | $3.01B | +49.7% |
| Tax provision | $942.00M | $568.00M | $473.00M | $557.00M | +65.8% |
| Net income | $3.37B | $2.30B | $1.32B | $2.45B | +46.5% |
| Net income to common | $3.27B | $2.21B | $1.23B | $2.39B | +48.4% |
| Basic EPS | 18.39 | 12.37 | 6.99 | 13.63 | +48.7% |
| Diluted EPS | 18.35 | 12.36 | 6.99 | 13.63 | +48.5% |
| EBIT | $4.53B | $3.10B | $2.03B | $3.18B | +46.2% |
| Basic shares | 178.10M | 178.30M | 176.20M | 175.60M | -0.1% |
| Diluted shares | 178.50M | 178.60M | 176.20M | 175.60M | -0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $1.08B | $894.00M | $939.00M | $1.01B | +20.5% |
| Cash & short-term investments | $18.80B | $18.90B | $17.94B | $23.85B | -0.5% |
| Accounts receivable | $86.00M | $107.00M | $9.00M | $8.50B | -19.6% |
| Property, plant & equipment | $865.00M | $820.00M | $799.00M | $778.00M | +5.5% |
| Goodwill & intangibles | $9.79B | $9.57B | $9.13B | $8.05B | +2.3% |
| Total assets | $62.87B | $59.53B | $55.98B | $53.74B | +5.6% |
| Current debt | $402.00M | $448.00M | $1.06B | $3.97B | -10.3% |
| Long-term debt | $4.18B | $4.38B | $4.02B | $556.00M | -4.7% |
| Total debt | $5.25B | $5.47B | $5.74B | $5.14B | -4.1% |
| Total liabilities | $42.03B | $41.38B | $39.50B | $37.61B | +1.6% |
| Retained earnings | $10.32B | $7.92B | $6.50B | $7.80B | +30.2% |
| Shareholder equity | $20.84B | $18.15B | $16.19B | $15.84B | +14.8% |
| Net tangible assets | $11.05B | $8.58B | $7.06B | $7.79B | +28.7% |
| Shares issued | 177.63M | 178.36M | 178.32M | 175.26M | -0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $4.31B | $2.88B | $1.80B | $3.01B | +49.7% |
| Depreciation & amortisation | $797.00M | $726.00M | $597.00M | $563.00M | +9.8% |
| Stock-based compensation | $147.00M | $104.00M | $120.00M | $152.00M | +41.3% |
| Change in working capital | $806.00M | $947.00M | -$289.00M | $249.00M | -14.9% |
| Operating cash flow | $4.39B | $3.39B | $1.85B | $3.67B | +29.6% |
| Capital expenditure | -$457.00M | -$429.00M | -$458.00M | -$411.00M | -6.5% |
| Investing cash flow | -$2.58B | -$1.61B | -$2.00B | -$2.75B | -59.9% |
| Share buybacks | -$394.00M | -$204.00M | -$128.00M | -$262.00M | -93.1% |
| Dividends paid | -$1.04B | -$953.00M | -$862.00M | -$762.00M | -8.8% |
| Financing cash flow | -$1.60B | -$2.01B | $321.00M | -$2.21B | +20.2% |
| Free cash flow | $3.93B | $2.96B | $1.39B | $3.25B | +32.9% |
| End cash position | $1.21B | $997.00M | $1.17B | $1.01B | +21.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $6.72B | $6.39B | $6.64B | $6.70B | $6.33B | — | +5.2% |
| Operating revenue | $6.72B | $6.39B | $6.64B | $6.70B | $6.33B | — | +5.2% |
| Net interest income | -$54.00M | -$54.00M | -$58.00M | -$55.00M | -$57.00M | — | 0.0% |
| Pre-tax income | $937.00M | $960.00M | $1.21B | $1.12B | $1.13B | — | -2.4% |
| Tax provision | $217.00M | $208.00M | $245.00M | $257.00M | $267.00M | — | +4.3% |
| Net income | $720.00M | $752.00M | $961.00M | $861.00M | $867.00M | — | -4.3% |
| Net income to common | $690.00M | $732.00M | $871.00M | $861.00M | $839.00M | — | -5.7% |
| Basic EPS | 3.91 | 4.13 | — | 4.73 | 4.71 | 3.70 | -5.3% |
| Diluted EPS | 3.90 | 4.12 | — | 4.73 | 4.70 | 3.69 | -5.3% |
| EBIT | $991.00M | $1.01B | $1.26B | $1.17B | $1.19B | — | -2.3% |
| Basic shares | 176.70M | 177.40M | — | 178.20M | 178.30M | 178.30M | -0.4% |
| Diluted shares | 177.00M | 177.70M | — | 178.50M | 178.70M | 178.70M | -0.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $2.18B | $2.36B | $1.08B | $1.49B | $1.27B | -7.7% |
| Cash & short-term investments | $19.31B | $19.50B | $18.80B | $19.74B | $19.51B | -1.0% |
| Accounts receivable | $131.00M | $317.00M | $86.00M | $223.00M | $94.00M | -58.7% |
| Property, plant & equipment | $915.00M | $914.00M | $865.00M | $854.00M | $838.00M | +0.1% |
| Goodwill & intangibles | $9.95B | $9.84B | $9.79B | $9.79B | $9.66B | +1.2% |
| Total assets | $64.28B | $62.86B | $62.87B | $62.97B | $60.85B | +2.3% |
| Current debt | $159.00M | $334.00M | $402.00M | $122.00M | $107.00M | -52.4% |
| Long-term debt | $4.20B | $3.93B | $4.18B | $4.66B | $4.64B | +6.7% |
| Total debt | $5.04B | $4.96B | $5.25B | $5.46B | $5.43B | +1.6% |
| Total liabilities | $42.56B | $41.59B | $42.03B | $43.01B | $41.64B | +2.3% |
| Retained earnings | $10.99B | $10.66B | $10.32B | $9.56B | $8.96B | +3.1% |
| Shareholder equity | $21.72B | $21.27B | $20.84B | $19.96B | $19.22B | +2.1% |
| Net tangible assets | $11.77B | $11.44B | $11.05B | $10.17B | $9.56B | +2.9% |
| Shares issued | 176.35M | 177.04M | 177.63M | 177.81M | 178.34M | -0.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $937.00M | $960.00M | $1.21B | $1.12B | $1.13B | -2.4% |
| Depreciation & amortisation | $170.00M | $179.00M | $192.00M | $200.00M | $214.00M | -5.0% |
| Stock-based compensation | $42.00M | $28.00M | $30.00M | $45.00M | $38.00M | +50.0% |
| Change in working capital | $610.00M | -$137.00M | -$75.00M | $869.00M | $68.00M | +545.3% |
| Operating cash flow | $1.08B | $426.00M | $997.00M | $1.68B | $1.14B | +153.5% |
| Capital expenditure | -$138.00M | -$154.00M | -$156.00M | -$127.00M | -$85.00M | +10.4% |
| Investing cash flow | -$716.00M | $1.11B | -$1.08B | -$964.00M | -$485.00M | -164.6% |
| Share buybacks | -$265.00M | -$194.00M | -$58.00M | -$156.00M | -$125.00M | -36.6% |
| Dividends paid | -$290.00M | -$280.00M | -$264.00M | -$254.00M | -$265.00M | -3.6% |
| Financing cash flow | -$584.00M | -$507.00M | -$424.00M | -$436.00M | -$451.00M | -15.2% |
| Free cash flow | $942.00M | $272.00M | $841.00M | $1.55B | $1.05B | +246.3% |
| End cash position | $2.06B | $2.27B | $1.21B | $1.74B | $1.44B | -9.2% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 3.47 | 4.33 | +24.8% |
| Mar 2026 | 4.08 | 4.61 | +13.1% |
| Dec 2025 | 4.69 | 5.89 | +25.5% |
| Sep 2025 | 4.21 | 4.46 | +6.0% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 4.27 | 12 | $6.08B | +3.7% |
| Next quarter | 4.97 | 11 | $6.22B | +3.5% |
| Current year | 16.94 | 13 | $24.17B | +4.8% |
| Next year | 18.71 | 13 | $25.57B | +5.8% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy5 / 4
Hold4
Sell / Strong sell0 / 0
Held by insiders0.30%
Held by institutions47.73%
Institutions holding356
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
193.96
-0.57% from price
SMA 20
198.75
-2.96% from price
SMA 50
202.69
-4.85% from price
SMA 100
196.19
-1.70% from price
SMA 200
195.42
-1.31% from price
EMA 12
194.96
-1.08% from price
EMA 26
198.44
-2.81% from price
EMA 50
199.54
-3.35% from price
RSI (14)
40.0
Neutral
MACD (12,26,9)
-3.48
Hist -0.71
ATR (14)
2.72
1.41% of price
Realised vol 30D
26.4%
Annualised
Bollinger upper
211.64
20, 2σ
Bollinger lower
185.86
20, 2σ
50 / 200 cross
Golden
202.69 vs 195.42
Trend bias
Below 200
-1.31%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.05
Less volatile than market
Correlation to SPY
0.03
Largely independent
Realised vol 30D
26.4%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-15.8%
Peak to trough
Max drawdown 5Y
-24.1%
Peak to trough
ATR 14
2.72
1.41% of price
Beta (reported)
0.29
5Y monthly, from filing
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 12, 22 | UBS | DOWNGRADE | Buy | Neutral |
Dividends & splits
Forward rate$4.16 / yr
Forward yield2.16%
5-year avg yield1.98%
Payout ratio31.15%
Ex-dividend dateSep 15, 2026
Next pay dateMar 31, 2026
Last split—
Split date—
Headlines
Shepherd Doubles GWP Run Rate in First Half 2026, Partners with Intact to Back U.S. Casualty Growth
PR Newswire · 3d ago
Intact Insurance brings extreme weather risks to life with a handcrafted miniature house campaign
CNW Group · 4d ago
Intact Financial Corporation Announces Private Placement of $250 Million Limited Recourse Capital Notes and Intention to Redeem Non-cumulative Rate Reset Class A Shares Series 3
CNW Group · 12d ago
Is Intact Financial (TSX:IFC) Trading At A Discount To Fair Value?
Simply Wall St. · 16d ago
Canadian Olympic Committee and Intact Insurance announce Intact Olympian Impact program
CNW Group · 17d ago
Intact Financial Q2 Earnings Call Highlights
MarketBeat · 22d ago
S&P/TSX Composite Index Down 470 Points at Midday as the Middle East Conflict Resumes
MT Newswires · 24d ago
Intact Financial Q2 Net Operating Income Per Share Falls 39% YoY on Higher Losses
MT Newswires · 25d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.