Intact Financial (IFC.TO) Buy, Sell or Hold

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Intact Financial (IFC.TO)

275.92

+4.39 (1.62%)

as of Jun 5, 2026, 8:00:00 pm Market Open.

379 watching

Investor Insights

Jun 5, 2026, 12:00 am

This summary was created by AI, based on 20 opinions in the last 12 months.

Intact Financial (IFC-T) is recognized as the largest property and casualty (P&C) insurer in Canada, with a notable presence in specialty insurance internationally. The company has exhibited consistent operational growth, with expectations to meet or exceed a 10% increase in operating EPS. Despite recent market reactions, which have negatively impacted stock performance due to concerns over U.S. operations and pricing competition, many experts see potential for recovery, particularly given favorable long-term trends associated with interest rates. While there are mixed views on its valuation, with some deeming it expensive and others highlighting recent pullbacks as buying opportunities, various analysts suggest a cautious approach in the current environment, recommending consideration on dips. Overall, despite challenges, the business is seen as solid, with impressive management and a sound growth strategy.

Consensus

Hold

Valuation

Fair Value

Similar

ING, IBN

WEAK BUY

There have been a lot of natural disasters this year, but IFC has still absorbed those, because they have strong capital and operating ratios. Still growth and trades at a high PE, though. How will self-driving cars impact insurance. That said, IFC has been a winner, a great growth stock.

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HOLD

Well managed company.
Challenges given all of the forest fires.
Lots of claims over the summer.
Hard to value company.
Inflation not worry given pricing power.
Wants to see how company performs through tough economic times.

BUY ON WEAKNESS

Spectacular company that has performed well.
Currently insurance pricing not making up for losses.
Tough period for the company at the moment, but will recover.
Will buy if share price falls.

HOLD

Gold standard for P&C in Canada. Cost challenges, but policies renew annually at higher rates. Great, blue-chip, well-managed business. He owns DFY, as it's cheaper and growing faster.

BUY

Climate change is impacting the P&C insurance world, increasing claims and pressuring companies like this. Share have done well in the past 12 months, but he sees challenges ahead for this sector. Higher interest rates offer some relief to them.

BUY ON WEAKNESS

Well-run and has done well in recent years, but it needs to be cheaper before he buys it. P&C insurance is a good business to be in now.

DON'T BUY

Not interested in P&C insurance, and IFC shares are close to all-time highs. Not now.

WEAK BUY

Recently bought another PC insurer (see top picks) for its better valuation and wider international exposure, but Intact offers good exposure to this sector.

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COMMENT

It is a very well run company and management has done a consistent job of gaining market share. It has no major large competitor in Canada. He would love to own it but it is now too expensive.

BUY

What other metric do you use beyond the combined ratio for lifecos?

Up 34% in 3 years. He looks for book value. IFC trades at a big premium to that, because it consistently makes money through investment earnings. They've made big recent acquisitions in Canada and the UK.

BUY ON WEAKNESS

Property & casualty company with strong presence in Canada.
Growing international market.
Positive aspect of business is premiums renew every year.
Premiums have been re-invested well.
Stock has performed very well.
Would recommend buying on weakness.

HOLD

Prefers IFC in the space with its scale, breadth, and geographic diversification. P&C has been in the sweet spot.

PAST TOP PICK

(A Top Pick Nov 03/21, Up 22%) Still buying. Reported yesterday, close to what the street was looking for. Great company. Insured loss costs went down during Covid. Pricing power. Best-in-class P&C insurer. A buy and hold "trophy".

COMMENT

P&C insurers pay lower yields than the lifecos. IFC is seen as quasi-growth/income. P&C can re-price annually, and there is pricing power in the market. She owns no P&C insurers, because valuations are higher.

TOP PICK

Great replacement for MFC in your portfolio. Creating significantly more shareholder value. Expanding outside Canada. Stable. Excellent capital allocators. Predictable earnings, what you want right now. Yield is 1.95%. (Analysts’ price target is $214.14)

Showing 46 to 60 of 256 entries

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Intact Financial (IFC.TO)