TO · IFC-PA.TO
Intact Financial Corporation
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Toronto, ON M5G 0A1
- Website
- intactfc.com
Price · as of 2025-12-31
$22.89
Market cap 3.95B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $115.29 | +403.67% |
| Intrinsic Value(DCF) | $99.54 | +334.86% |
| Graham-Dodd Method(GD) | $96.67 | +322.32% |
| Graham Formula(GF) | $233.13 | +918.5% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $12.06 | $20.49 | $234.76 | $27.77 | $91.42 |
| 2012 | $13.03 | $25.32 | $1,100.11 | $25.69 | $156.59 |
| 2013 | $12.28 | $21.25 | $594.81 | $17.72 | $43.29 |
| 2014 | $11.25 | $38.12 | $421.73 | $31.35 | $85.89 |
| 2015 | $7.84 | $32.44 | $41.06 | $27.30 | $53.92 |
| 2016 | $11.88 | $27.52 | $35.06 | $18.57 | $52.04 |
| 2017 | $13.21 | $39.28 | $46.70 | $26.06 | $105.30 |
| 2018 | $11.08 | $37.54 | $59.40 | $17.93 | $104.45 |
| 2019 | $9.13 | $34.29 | $47.98 | $19.93 | $82.20 |
| 2020 | $13.88 | $50.86 | $56.49 | $29.89 | $132.44 |
| 2021 | $15.12 | $50.22 | $1,655.77 | $78.56 | $602.63 |
| 2022 | $14.60 | $77.15 | $4,449.26 | $75.93 | $490.58 |
| 2023 | $16.48 | $52.68 | $2,270.94 | $32.66 | $85.01 |
| 2024 | $19.72 | $78.18 | $849.93 | $60.75 | $193.47 |
| 2025 | $22.04 | $115.29 | $155.42 | $96.67 | $233.13 |
AI valuation
Our deep-learning model estimates Intact Financial Corporation's (IFC-PA.TO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $115.29
- Current price
- $22.89
- AI upside
- +403.67%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$99.54
+334.86% upside
Graham-Dodd
$96.67
+322.32% upside
Graham Formula
$233.13
+918.5% upside
About Intact Financial Corporation
Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. 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, as well as travel insurance. The company also provides commercial line insurance coverages for a diversified group of 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 coverage. In addition, it offers commercial vehicle insurance coverages for the protection of 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, builder's risk, and entertainment, as well as financial services and institutions; and various products to specialty property, surety, tuition reimbursement, management liability, and 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.
- CEO
- Charles Joseph Gaston Brindamour
- Employees
- 31K
- Beta
- 0.26
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($99.54 ÷ $22.89) − 1 = +334.86% (DCF, example).