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

PAST TOP PICK

(A Top Pick Jun 12/20, Up 22%) Would buy this again. On an EPS profile, he sees 15% growth. Trading at 15.4x 2022 right now. Price to growth, it is compelling. Closing a big acquisition in June. The multiple will expand once they show signs of incorporating the acquisition well.

BUY

Billy Kawasaki’s Insights - Billy’s most-liked answers from 5i Research. It has pulled back in the last seven days of trading. It completed a bond offering. Price targets were cut by BMO. The drop seems related to the market more than anything company specific. Earnings remain good and the stock is up year to date. Fairly attractive at these prices. Unlock Premium - Try 5i Free

HOLD

Very well run. Fundamentals in the P&C insurance industry are very positive. It's a "hard market", so they're enjoying significant price increases and more volume across different lines of business. Currently making a pretty significant acquisition.

PAST TOP PICK

(A Top Pick Mar 11/20, Up 20%) Recommended this on the eve of covid. Wanted something steady and it did well. They bought RSA in Q2 that gives value to shareholders. Still a fragmented business and has good upside potential. Trading at 12x 2023. Still likes it.

BUY

Very well run company, but would consider it if the price were 15% lower. You can buy this and do well over several years. Happy to recommend it. Their combined ratio has always been on the positive side.

TOP PICK

Dominant property and casualty insurer with 17% market share in home, auto, commercial and specialty lines. They are going through a $12B acquisition that will give them a presence in the UK. Longer-term forces like climate change and rising property values give them higher premiums and higher insured values. There is a hardening market in their insurance space. (Analysts’ price target is $181.78)

BUY

Fundamentals are very strong. Investors are unsure about recent RSA acquisition. Undervalued at these levels. Great opportunity to buy. Great story. Good strong dividend payer. Will execute well on the RSA deal.

BUY ON WEAKNESS

The stock has been a high performer in recent years, so it's cooling down now and testing support levels. That is not the worst thing, though. It remains well-run and continues to dominate market share. As it consolidates with this European acquisition, watch it. As Intact touches the 50- or 200-day moving average, buy it.

TOP PICK

Doesn't want to add more risk if there is no need. The RSA purchase gives them greater scale, distribution and more avenues for growth. Synergistic. The market is waiting to see results. The stock will rerate with results. Good to grow quiet wealth. (Analysts’ price target is $176.00)

BUY ON WEAKNESS

A quality name to own. Likes the stock. Modelling 9.3% growth. It is trading at 14x 2022 so it is quite expensive price to book. They did an interesting deal recently. If you look at Canadian financials they are very cheap by PE ratio. Would buy it around $136.

BUY

A sensational performer since its IPO. Operates efficiently, smart acquisitions. Likes the RSA deal, as it adds diversity and bolsters market share. Exposure to commercial real estate, but it's a manageable risk.

WATCH

Looks more interesting with the potential acquisition of RSA, as it expands their growth potential. Excellent operators. P&C insurance gets repriced annually, a plus. She's planning to research it more closely.

TOP PICK

Last quarter earnings were excellent. Good acquirer. Efficient, with consistent underwriting profitability. ROE is 5 points above industry average. 17% market share in Canada. Great operator. Yield is 2.25%. (Analysts’ price target is $162.83)

BUY

A major insurer. Their biggest expense is going down hard--auto claims. With people under lockdown, people aren't driving much, so the quantity of auto claims is lower than ever based on Q2 results. This boasts their underwriting profit and will be a tailwind for a long while. They're also generating investing income, which may be pressured with interest rates low. IFC is a great company and marketer. A fine consolidator in a fragmented industry. A solid, long-term hold and a buy.

BUY ON WEAKNESS

An outstandingly well managed company. It has run up and the valuation is on the premium side. The insurance they are in is doing well so you might want to wait for softening on the market or a one time event like forest fires. Long term you will do okay.

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Intact Financial (IFC.TO)