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Intact Financial Corporation

Financial Statements (IFRS) · Amounts in CAD
5 10 All
Income Statement
Balance Sheet
Cash Flow
Line Item Q4 2025Dec 31, 2025 Q3 2025Sep 30, 2025 Q2 2025Jun 30, 2025 Q1 2025Mar 31, 2025 Q4 2024Dec 31, 2024
Total Revenue 6.6B 6.7B 6.3B 6.4B 6.1B
Operating Revenue 6.6B 6.7B 6.3B 6.4B 6.1B
Other Operating Expenses -851.0M 170.0M 203.0M 175.0M -776.0M
EBIT 1.3B 1.2B 1.2B 904.0M 894.0M
Interest Expense 58.0M 55.0M 57.0M 55.0M 56.0M
Interest Expense Non Operating 58.0M 55.0M 57.0M 55.0M 56.0M
Interest Income 225.0M 211.0M 209.0M 209.0M 190.0M
Net Interest Income -58.0M -55.0M -57.0M -55.0M -56.0M
Other Income Expense 14.0M 8.0M 3.0M 8.0M 7.0M
Special Income Charges -99.0M -101.0M -127.0M -69.0M -127.0M
Restructuring And Mergern Acquisition 99.0M 101.0M 127.0M 69.0M 127.0M
Pretax Income 1.2B 1.1B 1.1B 849.0M 838.0M
Tax Provision 245.0M 257.0M 267.0M 173.0M 171.0M
Tax Effect Of Unusual Items -20.1M -23.2M -29.8M -14.1M -25.9M
Net Income From Continuing And Discontinued Operation 961.0M 861.0M 867.0M 676.0M 667.0M
Net Income From Continuing Operation Net Minority Interest 961.0M 861.0M 867.0M 676.0M 667.0M
Net Income Including Noncontrolling Interests 961.0M 861.0M 867.0M 676.0M 667.0M
Minority Interests 0.00 0.00 0.00 -- 0.00
Net Income Common Stockholders 871.0M 861.0M 839.0M 659.0M 639.0M
Net Income 961.0M 861.0M 867.0M 676.0M 667.0M
Reconciled Depreciation 192.0M 200.0M 214.0M 191.0M 187.0M
Basic EPS -- 4.73 4.71 3.70 --
Diluted EPS -- 4.73 4.70 3.69 --
Basic Average Shares -- 178.2M 178.3M 178.3M --
Diluted Average Shares -- 178.5M 178.7M 178.7M --
Total Unusual Items -99.0M -101.0M -127.0M -69.0M -127.0M
Total Unusual Items Excluding Goodwill -99.0M -101.0M -127.0M -69.0M -127.0M
Tax Rate For Calcs 0.20 0.23 0.23 0.20 0.20
Normalized Income 1.0B 938.8M 964.2M 730.9M 768.1M
Diluted NI Availto Com Stockholders 871.0M 861.0M 839.0M 659.0M 639.0M
Loss Adjustment Expense 3.5B 5.3B 4.8B 3.9B 3.5B
Net Income Continuous Operations 961.0M 861.0M 867.0M 676.0M 667.0M
Net Non Operating Interest Income Expense -58.0M -55.0M -57.0M -55.0M -56.0M
Net Policyholder Benefits And Claims 3.5B 5.3B 4.8B 3.9B 3.5B
Other Special Charges -- -- -- -- 0.00
Policyholder Benefits Ceded 244.0M 306.0M 265.0M 405.0M 116.0M
Policyholder Benefits Gross 3.7B 5.6B 5.1B 4.3B 3.6B
Preferred Stock Dividends -- -- 28.0M 17.0M 28.0M
Total Expenses 5.4B 5.6B 5.2B 5.6B 5.3B
Line Item Q4 2025Dec 31, 2025 Q3 2025Sep 30, 2025 Q2 2025Jun 30, 2025 Q1 2025Mar 31, 2025 Q4 2024Dec 31, 2024
Cash And Cash Equivalents 1.1B 1.5B 1.3B 1.0B 894.0M
Cash Cash Equivalents And Short Term Investments 18.8B 19.7B 19.5B 19.1B 18.9B
Other Short Term Investments 17.7B 18.2B 18.2B 18.1B 18.0B
Accounts Receivable 86.0M 223.0M 94.0M 135.0M 107.0M
Receivables 706.0M 832.0M 671.0M 735.0M 712.0M
Prepaid Assets 239.0M 266.0M 297.0M 317.0M 242.0M
Net PPE 865.0M 854.0M 838.0M 838.0M 820.0M
Goodwill 4.9B 4.9B 4.7B 4.7B 4.5B
Goodwill And Other Intangible Assets 9.8B 9.8B 9.7B 9.8B 9.6B
Other Intangible Assets 4.9B 4.9B 4.9B 5.1B 5.1B
Investments And Advances 40.8B 40.7B 39.4B 39.2B 38.7B
Long Term Equity Investment 1.1B 1.1B 1.1B 1.0B 940.0M
Total Assets 62.9B 63.0B 60.9B 60.6B 59.5B
Current Debt 402.0M 122.0M 107.0M 130.0M 448.0M
Current Debt And Capital Lease Obligation 402.0M 122.0M 107.0M 130.0M 448.0M
Accounts Payable 748.0M 1.1B 1.0B 915.0M 768.0M
Payables 1.5B 1.7B 1.5B 1.2B 1.2B
Payables And Accrued Expenses 2.2B 2.4B 1.9B 1.9B 1.8B
Current Accrued Expenses 743.0M 732.0M 430.0M 719.0M 640.0M
Long Term Debt 4.2B 4.7B 4.6B 4.7B 4.4B
Long Term Debt And Capital Lease Obligation 4.8B 5.3B 5.3B 5.4B 5.0B
Long Term Capital Lease Obligation 674.0M 679.0M 677.0M 668.0M 646.0M
Total Liabilities Net Minority Interest 42.0B 43.0B 41.6B 41.8B 41.4B
Common Stock 8.1B 8.1B 8.1B 8.1B 8.1B
Capital Stock 9.9B 9.7B 9.7B 9.7B 9.7B
Additional Paid In Capital 343.0M 283.0M 254.0M 284.0M 298.0M
Retained Earnings 10.3B 9.6B 9.0B 8.3B 7.9B
Gains Losses Not Affecting Retained Earnings 322.0M 404.0M 260.0M 399.0M 183.0M
Common Stock Equity 19.1B 18.3B 17.6B 17.1B 16.5B
Stockholders Equity 20.8B 20.0B 19.2B 18.8B 18.1B
Total Equity Gross Minority Interest 20.8B 20.0B 19.2B 18.8B 18.1B
Minority Interest 0.00 -- 0.00 -- 0.00
Total Capitalization 25.0B 24.6B 23.9B 23.5B 22.5B
Net Tangible Assets 11.0B 10.2B 9.6B 9.0B 8.6B
Tangible Book Value 9.3B 8.5B 7.9B 7.3B 7.0B
Invested Capital 23.6B 23.1B 22.3B 22.0B 21.4B
Total Debt 5.3B 5.5B 5.4B 5.5B 5.5B
Net Debt 3.5B 3.3B 3.5B 3.8B 3.9B
Share Issued 177.6M 177.8M 178.3M 178.3M 178.4M
Ordinary Shares Number 177.6M 177.8M 178.3M 178.3M 178.4M
Capital Lease Obligations 674.0M 679.0M 677.0M 668.0M 646.0M
Commercial Paper -- -- -- 42.0M 0.00
Current Notes Payable 250.0M 0.00 0.00 0.00 300.0M
Defined Pension Benefit 463.0M 436.0M 329.0M 312.0M 296.0M
Derivative Product Liabilities 87.0M 165.0M 119.0M 207.0M 251.0M
Employee Benefits 298.0M 304.0M 299.0M 303.0M 306.0M
Foreign Currency Translation Adjustments 380.0M 464.0M 370.0M 544.0M 436.0M
Income Tax Payable 433.0M 325.0M 174.0M 85.0M 142.0M
Investments In Other Ventures Under Equity Method 1.1B 1.1B 1.1B 1.0B 940.0M
Long Term Provisions 83.0M 84.0M 89.0M 92.0M 106.0M
Non Current Deferred Liabilities 497.0M 511.0M 536.0M 555.0M 593.0M
Non Current Deferred Taxes Liabilities 497.0M 511.0M 536.0M 555.0M 593.0M
Non Current Pension And Other Postretirement Benefit Plans 298.0M 304.0M 299.0M 303.0M 306.0M
Other Current Borrowings 152.0M 122.0M 107.0M 88.0M 148.0M
Other Payable 275.0M 299.0M 273.0M 191.0M 275.0M
Other Receivables 552.0M 558.0M 512.0M 514.0M 534.0M
Preferred Shares Number -- 54.0M 54.0M 54.0M 54.0M
Preferred Stock 1.8B 1.6B 1.6B 1.6B 1.6B
Preferred Stock Equity 1.8B 1.6B 1.6B 1.6B 1.6B
Taxes Receivable 68.0M 51.0M 65.0M 86.0M 71.0M
Total Tax Payable 433.0M 325.0M 174.0M 85.0M 142.0M
Unrealized Gain Loss -58.0M -60.0M -110.0M -145.0M -253.0M
Line Item Q4 2025Dec 31, 2025 Q3 2025Sep 30, 2025 Q2 2025Jun 30, 2025 Q1 2025Mar 31, 2025 Q4 2024Dec 31, 2024
Operating Cash Flow 997.0M 1.7B 1.1B 578.0M 1.1B
Cash Flow From Continuing Operating Activities 1.4B 1.7B 1.1B 578.0M 1.1B
Depreciation And Amortization 192.0M 200.0M 214.0M 191.0M 187.0M
Stock Based Compensation 30.0M 45.0M 50.0M 22.0M 48.0M
Change In Working Capital -75.0M 869.0M 56.0M -26.0M 119.0M
Change In Other Current Assets 65.0M -16.0M 25.0M -83.0M -17.0M
Change In Other Current Liabilities 29.0M 148.0M -180.0M -10.0M 12.0M
Other Non Cash Items -398.0M -65.0M -2.0M -62.0M -220.0M
Capital Expenditure -156.0M -127.0M -85.0M -89.0M -102.0M
Sale Of Business 0.00 0.00 0.00 -- 0.00
Purchase Of Investment -6.4B -6.9B -7.1B -7.9B -7.1B
Sale Of Investment 5.6B 6.2B 6.8B 8.2B 6.6B
Net Investment Purchase And Sale -837.0M -670.0M -326.0M 330.0M -572.0M
Investing Cash Flow -1.1B -964.0M -485.0M -50.0M -698.0M
Cash Flow From Continuing Investing Activities -1.1B -964.0M -485.0M -50.0M -698.0M
Issuance Of Debt 0.00 0.00 0.00 340.0M -97.0M
Repayment Of Debt -249.0M -26.0M -19.0M -321.0M -22.0M
Net Issuance Payments Of Debt -249.0M -26.0M -61.0M 19.0M -224.0M
Issuance Of Capital Stock 147.0M 0.00 -- -- 0.00
Repurchase Of Capital Stock -58.0M -156.0M -125.0M -55.0M -28.0M
Net Common Stock Issuance -58.0M -156.0M -125.0M -55.0M -28.0M
Common Stock Payments -58.0M -156.0M -125.0M -55.0M -28.0M
Financing Cash Flow -424.0M -436.0M -451.0M -290.0M -495.0M
Cash Flow From Continuing Financing Activities -424.0M -436.0M -451.0M -290.0M -495.0M
Effect Of Exchange Rate Changes -14.0M 23.0M -13.0M 14.0M 30.0M
Changes In Cash -509.0M 275.0M 202.0M 238.0M -116.0M
Beginning Cash Position 1.7B 1.4B 1.2B 997.0M 1.1B
End Cash Position 1.2B 1.7B 1.4B 1.2B 997.0M
Free Cash Flow 841.0M 1.5B 1.1B 489.0M 975.0M
Interest Paid Supplemental Data 62.0M 56.0M -- 55.0M 63.0M
Amortization Cash Flow 147.0M 152.0M 173.0M 150.0M 147.0M
Amortization Of Intangibles 147.0M 152.0M 173.0M 150.0M 147.0M
Amortization Of Securities -41.0M -44.0M -38.0M -37.0M -38.0M
Cash Dividends Paid -264.0M -254.0M -265.0M -254.0M -243.0M
Common Stock Issuance -- 0.00 -- -- 0.00
Depreciation 45.0M 48.0M 41.0M 41.0M 40.0M
Dividend Received Cfo 34.0M 9.0M 7.0M 9.0M 5.0M
Earnings Losses From Equity Investments -19.0M -8.0M -18.0M -22.0M -22.0M
Gain Loss On Investment Securities 373.0M -527.0M -120.0M -173.0M 430.0M
Gain Loss On Sale Of Business 0.00 0.00 -- -- --
Long Term Debt Issuance 0.00 0.00 0.00 340.0M -97.0M
Long Term Debt Payments -249.0M -26.0M -19.0M -321.0M -22.0M
Net Business Purchase And Sale -89.0M -167.0M -74.0M -291.0M -24.0M
Net Foreign Currency Exchange Gain Loss -36.0M -36.0M -- 58.0M -67.0M
Net Income From Continuing Operations 1.2B 1.1B 1.1B 849.0M 838.0M
Net Intangibles Purchase And Sale -156.0M -127.0M -85.0M -89.0M -102.0M
Net Long Term Debt Issuance -249.0M -26.0M -19.0M 19.0M -119.0M
Net Other Financing Charges -- -- -- -- 0.00
Net Preferred Stock Issuance -- -- -- -- 0.00
Net Short Term Debt Issuance 0.00 0.00 -42.0M -- --
Operating Gains Losses 336.0M -547.0M -114.0M -115.0M 230.0M
Pension And Employee Benefit Expense 18.0M 24.0M 24.0M 22.0M 27.0M
Preferred Stock Issuance -- -- -- -- 0.00
Proceeds From Stock Option Exercised -- -- 0.00 -- 0.00
Purchase Of Intangibles -156.0M -127.0M -85.0M -89.0M -102.0M
Taxes Refund Paid -213.0M -157.0M -169.0M -281.0M -134.0M
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