IFTPF(IFTPF)

$20.47—

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IFTPF(IFTPF)

OTC

$20.47—

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IFTPF(IFTPF)

IFTPF

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8/20/26

INTACT FINANCIAL CORPORATION NON-CUM CONV RED PERP PFD REGISTERED SHS A SERIES 7 REG S (IFTPF)

Thursday

11:35 PM

Thesis: Intact Financial Corporation Non-Cum Conv Red Perp Pfd Registered Shs A Series 7 Reg S: the story is balanced — Combined ratio performance - target sub-95% indicates profitable underwriting; catastrophe losses from Canadian…

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$26.1B	$24.9B	$26.4B
Rev. Growth	+9.8%	-4.5%	+5.8%
EPS	$18.37	$17.23	$19.06
EPS Growth	+48.5%	-6.2%	+10.6%
P/E (fwd)	1.1×	1.2×	1.1×

★ Analysts see FY2027 revenue reaching $26.4B — +5.8% growth in a single year.

What Moves the Stock

1Combined ratio performance - target sub-95% indicates profitable underwriting; catastrophe losses from Canadian wildfires, Alberta hailstorms, or Atlantic hurricanes can spike ratios
2Premium rate increases - ability to push through 5-8% annual rate hikes in personal auto and property lines drives top-line growth and margin expansion
3Investment yield on $40B+ float - rising interest rates increase fixed income returns on insurance reserves, adding 200-300bps to ROE
4Catastrophe loss experience - major weather events (CAD$500M+ losses) trigger reinsurance recoveries but impact quarterly earnings volatility
5UK/European integration - RSA acquisition synergies (CAD$250M annual target) and combined ratio improvement in international operations
6Personal auto insurance (estimated 35-40% of premiums) - private passenger vehicle coverage across Canadian provinces
7Personal property insurance (estimated 20-25%) - homeowners, tenant, and condominium policies
8Commercial lines (estimated 30-35%) - business insurance including property, liability, and specialty coverages

FY2025 Snapshot

Revenue: $26.1B
Rev. Growth: +9.8%
Gross Margin: 21.8%
Op. Margin: 16.5%
Net Margin: 12.9%
Net Income: $3.4B
NI Growth: +46.5%
EPS: $18.37
1Y Return: +5.5%

IFTPF Chart

My Notes

value and dividend - Intact trades at 2.2x book value with 17% ROE, attracting value investors seeking profitable insurers with pricing…
Rising interest rates are highly positive for Intact's investment income on $40B+ insurance float…
Watch on earnings: Canadian auto insurance rate approvals by province - Ontario, Alberta, and BC regulatory decisions on 5-8% annual rate increase requests, Catastrophe loss frequency and severity - quarterly CAT losses as % of earned premiums, particularly Q2-Q3 wildfire and severe weather season, 10-year Government of Canada bond yield - proxy for investment portfolio yield on insurance float.

One Sentence Summary:

Intact Financial Corporation Non-Cum Conv Red Perp Pfd Registered Shs A Series 7 Reg S: the story is balanced — combined ratio performance - target sub-95% indicates profitable underwriting; catastrophe losses from canadian wildfires.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

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Metric

FY2025

FY2026E

FY2027E

P/E (fwd)

1.1×

1.2×

1.1×

What Moves the Stock

1Combined ratio performance - target sub-95% indicates profitable underwriting; catastrophe losses from Canadian wildfires, Alberta hailstorms, or Atlantic hurricanes can spike ratios

2Premium rate increases - ability to push through 5-8% annual rate hikes in personal auto and property lines drives top-line growth and margin expansion

3Investment yield on $40B+ float - rising interest rates increase fixed income returns on insurance reserves, adding 200-300bps to ROE

4Catastrophe loss experience - major weather events (CAD$500M+ losses) trigger reinsurance recoveries but impact quarterly earnings volatility

5UK/European integration - RSA acquisition synergies (CAD$250M annual target) and combined ratio improvement in international operations

6Personal auto insurance (estimated 35-40% of premiums) - private passenger vehicle coverage across Canadian provinces

7Personal property insurance (estimated 20-25%) - homeowners, tenant, and condominium policies

8Commercial lines (estimated 30-35%) - business insurance including property, liability, and specialty coverages

My Notes

value and dividend - Intact trades at 2.2x book value with 17% ROE, attracting value investors seeking profitable insurers with pricing…

Rising interest rates are highly positive for Intact's investment income on $40B+ insurance float…

Watch on earnings: Canadian auto insurance rate approvals by province - Ontario, Alberta, and BC regulatory decisions on 5-8% annual rate increase requests, Catastrophe loss frequency and severity - quarterly CAT losses as % of earned premiums, particularly Q2-Q3 wildfire and severe weather season, 10-year Government of Canada bond yield - proxy for investment portfolio yield on insurance float.