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

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Intact Financial (IFC.TO)

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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

BUY

Allan Tong’s Discover Picks Since early February, IFC-T has been range-bound roughly $172 and $190 where it trades as of this writing. While the market continues to rise this summer, volatility won’t vanish as long as inflation rages, so look for IFC to fall below $180 before stepping in. The current rally was triggered by the company’s quarter released at the end of July where the $3.14 EPS easily beat the street’s $2.78. that EPS marked a 21.92% YOY. Also, Intact beat its prior four quarters as well. The price target for IFC stock is $214.78, and the forward PE is 19.93x, much higher than the current 13.04x, so Bay Street is confident. Read 3 Recession Proof Stocks for our full analysis.

PAST TOP PICK

(A Top Pick Jul 27/21, Up 10%) A good place to hide. P&C tends to be defensive. With the market being not great, a lot of money has piled in and growth has slowed. Still lots of catalysts. Took some wins off the table to reallocate capital. Looking to get in at lower levels.

BUY

Defensive, low beta. Sustainable, competitive advantage. Market share in Canadian P&C. Specialty line in the US that's growing. Big acquisition in UK and Ireland. Great risk takers. Have the float to invest during rising rates. Plenty of room to grow. Grows dividend each and every year. Strong balance sheet, undemanding valuation. Buy and hold for the long haul.

HOLD

It has performed very well in Canada. Continues to make acquisitions in North America and elsewhere. It is a good (necessary) business since people need to spend money on insurance. He would keep if owned but prefers one in the same field which will be one of his top picks.

BUY

Exceptional company, great growth over the years, well managed and well structured. With the pullback, price today is reasonable as a long-term prospect.

PARTIAL SELL

It struggles to test new highs, three attempts at $190 so that's probably a stop. Go lower to find an entry point, even trimming exposure. That said, it's a steady company that one should own.

PAST TOP PICK

(A Top Pick Mar 05/21, Up 29%) Is still buying it today. It is the best in the casualty and property insurance business. It is a dominant operator and has 23% market share. Great acquirer and great consolidator.

DON'T BUY

Never bought it, though IFC is dominant in its space. But its ROE is weaker than the Canadian banks, which she owns instead.

BUY ON WEAKNESS

Well run. He's a happy customer. A consolidator. Stock's range bound, but at high levels. Fully valued. On his list, so if it got hurt, he'd take a look. Overall, rising rates will not have a material impact on its business.

PAST TOP PICK

(A Top Pick Jan 29/21, Up 19%) Beat last quarter by 64%. Bought RSA, with an 8% accretion rate. Trading around 14.3x. Still a very good, long-term story. A lot of catastrophe losses, but they've managed that part of the business well.

TOP PICK

Largest P&C insurer in Canada. 21% market share. Efficient operations. Consistent profitability, 5% above that of industry rivals. Consolidator. Now on the map in the UK and Ireland. Longer term, climate change and rising property values advantage them. Yield is 2%. (Analysts’ price target is $196.08)

PAST TOP PICK

(A Top Pick Nov 05/20, Up 16%) It's a major holding of his. They're an excellent insurance operator. They're a leader in digital insurance in Canada with over 400 AI experts. This drives organic growth. They invest the float conservatively, and they are good acquirers, most recently getting a toehold in the UK and Scandinavia. They are gaining market share in Canada, too. The insurance market now has "hard" conditions, meaning pricing power as premiums rise. So, there's strong earnings growth.

TOP PICK

A steady eddy. They just did an acquisition of RSA which expand their leadership in Canada, and gives them a presence in the UK and Ireland. Tailwinds come from their high-quality investment porfolio. They enjoy good pricing in various divisions as we leave Covid behind. He see EPS growth. Trades at 16.3x future PE. (Analysts’ price target is $189.64)

BUY ON WEAKNESS

Great stock over the years, acquiring and consolidating. Great business, well managed. Tremendous pricing power in the industry. Richly valued. Good one to own long term, quality company. Try to buy it on the rare dips, when there's a market correction.

PAST TOP PICK

(A Top Pick Jun 11/20, Up 29%) Capable acquirers. Recent acquisitions are expected to be accretive. Good environment for P&C insurers. By far, best in breed in Canada, maybe in NA.

Showing 61 to 75 of 256 entries

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Intact Financial (IFC.TO)