Intact Financial revenue and financials
$239.33Change from previous close: −0.82%Absolute change: −$1.97
In the fiscal year ended December 2025, Intact Financial reported revenue of $26.07B (+4.36% year over year). Net income was $3.37B, a net margin of 12.9%.
Fiscal year ending in December. Sources and method on the page Methodology and sources.
At a glance
- Revenue growth
- +4.36%
- 2025 vs 2024
- Net income growth
- +46.50%
- 2025 vs 2024
- Net margin
- 12.9%
- 2024: 9.2%
Financial data
Amounts in millions of CAD; per-share values in CAD; shares in millions.
| Item | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 1,080 | 426 | 997 | 1,675 | 1,138 | 578 | 1,077 | 1,102 | 938 | 270 | 381 | 1,353 |
| Depreciation and amortization | 170 | 179 | 192 | 200 | 214 | 191 | 187 | 175 | 182 | 182 | -37.0 | 145 |
| Capital expenditure | -138 | -154 | -156 | -127 | -85.0 | — | — | — | — | — | — | — |
| Investing cash flow | -716 | 1,108 | -1,082 | -964 | -485 | -50.0 | -698 | -1,186 | -69.0 | 339 | -629 | -1,278 |
| Financing cash flow | -584 | -507 | -424 | -436 | -451 | -290 | -495 | -359 | -462 | -690 | -102 | 484 |
| Dividends paid | -290 | -280 | -264 | -254 | -265 | -254 | -243 | -233 | -244 | -233 | -224 | -213 |
| Share repurchases | -265 | -194 | -58.0 | -156 | -125 | — | — | — | — | — | — | — |
| Debt issued | 0.0 | 248 | 0.0 | 0.0 | 0.0 | 340 | -97.0 | 197 | 303 | — | 109 | 396 |
| Debt repaid | -29.0 | -528 | -249 | -26.0 | -19.0 | — | — | — | — | — | — | — |
| Effect of exchange rates | 10.0 | 14.0 | -14.0 | 23.0 | -13.0 | 14.0 | 30.0 | 11.0 | 5.0 | 13.0 | -10.0 | -4.0 |
| Net change in cash | -210 | 1,041 | -523 | 298 | 189 | 252 | -86.0 | -432 | 412 | -68.0 | -360 | 555 |
| Free cash flow | 942 | 272 | 841 | 1,548 | 1,053 | 489 | 975 | 993 | 819 | 171 | 267 | 1,231 |
| Levered free cash flow | 746 | 2,207 | 691 | 1,617 | -201 | 1,360 | 1,548 | 1,622 | 695 | 1,882 | 1,122 | 877 |