INTAF
Intact Financial Corporation
OTC Markets OTCPKUSDEQUITY
Financial Services
DELAYED
Last price
17.75
■ 0.00 (0.00%)
MARKET · —
Price
Chart style
Interval
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Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
—
Prev close
17.75
Day high
14.25
Day low
14.25
Volume
2.00K
Market cap
—
P/E (TTM)
2.00
52W range
14.25 – 18.18
Trailing performance
Returnvs SPY
1W
0.00%
+1.3%
1M
0.00%
-3.3%
3M
0.00%
-2.3%
6M
0.00%
-11.8%
YTD
-1.39%
-13.3%
1Y
+24.56%
+4.5%
3Y
+44.14%
-30.7%
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 INTAF 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
0
Total on file
Fundamentals
Market cap—
Enterprise value$6.27B
Revenue (TTM)$26.59B
Gross profit$4.76B
EBITDA$5.45B
Net income$3.20B
EPS (TTM)$8.87
Free cash flow$5.28B
Total cash$3.33B
Total debt$4.99B
Book value / share$83.34
Shares outstanding—
Float175.55M
Short % of float—
Dividend yield3.50%
Beta (5Y)0.29
Valuation & profitability ratios
Trailing P/E2.00
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.21
EV / revenue0.24
EV / EBITDA1.15
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% |
| EBIT | $4.53B | $3.10B | $2.03B | $3.18B | +46.2% |
| 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 | 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% |
| EBIT | $991.00M | $1.01B | $1.26B | $1.17B | $1.19B | -2.3% |
| 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
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $6.08B | +3.7% |
| Next quarter | — | — | $6.22B | +3.5% |
| Current year | — | — | $24.17B | +4.8% |
| Next year | — | — | $25.57B | +5.8% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.00%
Held by institutions40.26%
Institutions holding11
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
17.75
0.00% from price
SMA 20
17.75
0.00% from price
SMA 50
17.75
0.00% from price
SMA 100
17.75
0.00% from price
SMA 200
17.67
+0.48% from price
EMA 12
17.75
+0.00% from price
EMA 26
17.75
+0.00% from price
EMA 50
17.75
+0.00% from price
RSI (14)
68.0
Neutral
MACD (12,26,9)
0.00
Hist -0.00
ATR (14)
0.00
—
Realised vol 30D
0.0%
Annualised
Bollinger upper
17.75
20, 2σ
Bollinger lower
17.75
20, 2σ
50 / 200 cross
Golden
17.75 vs 17.67
Trend bias
Above 200
+0.48%
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
0.07
Less volatile than market
Correlation to SPY
0.04
Largely independent
Realised vol 30D
0.0%
Annualised
Market vol 1Y
12.8%
SPY, annualised
Max drawdown 1Y
-1.4%
Peak to trough
Max drawdown 5Y
-38.5%
Peak to trough
ATR 14
0.00
Average true range
Beta (reported)
0.29
5Y monthly, from filing
Dividends & splits
Forward rate$0.62 / yr
Forward yield3.50%
5-year avg yield—
Payout ratio—
Ex-dividend dateSep 15, 2026
Next pay dateMar 31, 2024
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 · 4d ago
Intact Insurance brings extreme weather risks to life with a handcrafted miniature house campaign
CNW Group · 5d 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 · 14d ago
Is Intact Financial (TSX:IFC) Trading At A Discount To Fair Value?
Simply Wall St. · 17d ago
Canadian Olympic Committee and Intact Insurance announce Intact Olympian Impact program
CNW Group · 18d ago
Intact Financial Q2 Earnings Call Highlights
MarketBeat · 23d ago
S&P/TSX Composite Index Down 470 Points at Midday as the Middle East Conflict Resumes
MT Newswires · 26d ago
Intact Financial Q2 Net Operating Income Per Share Falls 39% YoY on Higher Losses
MT Newswires · 26d ago
PRIVATE STRATEGY · BY QUALIFICATION
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