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

PAST TOP PICK

(A Top Pick Jun 18/19, Up 9%) Very resilient and he is still modelling 20% earnings growth. It trades at 19 times PE -- a good ratio to growth. He thinks there is still $60 per share of M&A activity that has not been factored into the stock price. You want to buy it around $130.

TOP PICK

Q1 earnings were beat and they maintained full year guidance. He feels this reflects on the quality of the company and its resilience. He is modelling 20% earnings growth against a 19 times PE ratio -- excellent value. Yield 2.53% (Analysts’ price target is $154.50)

TOP PICK

They have strong businesses in each insurance line. Insurance is a necessity. They have a 17% market share. They have consistent underwriting profitability. There are more consolidation opportunities in front of them. (Analysts’ price target is $154.50)

PAST TOP PICK

(A Top Pick May 08/19, Up 20%) He continues to own it. It is Canada's largest property and casualty insurer. They saw a hardening of the insurance market last summer, which was leading to a stronger position to charge higher premiums. This was a reversal from trends over the past several years. Regulators were more willing to allow the increases or face a loss in capacity. They will have some headwinds as premiums they will invest into bonds and other fixed income will be lower. Also, they will benefit in their auto policies not having as many claims. They have reached out to offer 15% discounts to customers as accidents are down 75% in the GTA area. Excellent business for now and the long term.

TOP PICK

Looking out one year, what's an ironclad business that's going to be growth but defensive. Still modeling about 25% EPS growth. Makes sense on a price to growth. Recession resilient. Yield is 2.52%. (Analysts’ price target is $159.38)

PAST TOP PICK

(A Top Pick Sep 27/19, Up 18%) Canada's biggest P&C insurer, IFC continues to snap up busineses. Most insurers lose money on underwriting, but the CEO has done a great job in making money underwriting as well as acquiring other companies.

DON'T BUY

He does not own this one. It has been on a great run. The outlook for long term interest rates makes the life insurance business more challenging. He sees better opportunities out there.

PAST TOP PICK

(A Top Pick Oct 26/18, Up 37%) It was defensive at the time. Markets were falling. Even at these levels, it's trading at 15x and growing at 15%. On a price to growth basis, still a good opportunity in a fragmented market.

TOP PICK

It's more than doubled over the last five years. They consistently make money underwriting insurance, which is very rare. They've outperformed the industry by 6%. They bought a guarantee that will lead to appreciation. Has a 2.5% yield.

TOP PICK

Not economically sensitive. Trading at the top of the range, but growth is the same, so the PEG ratio is 1. Good product, and they can grow via acquisitions. Yield is 2.42%. (Analysts’ price target is $123.92)

BUY

It's a growth story with a lower payout ratio than the larger life insurance companies. It's different from the lifecos, because they are the biggest Canadian property and casualty insurer. They've enjoyed significant capital appreciation. Their costs are lower than their peers and they have a strong balance sheet, allowing them to make acquisitions. They recently bought an American company. An excellent CEO. This will continue to grow.

PAST TOP PICK

(A Top Pick Jun 21/18, Up 33%) Weather made their Q1 soft, but pricing is a tailwind across all business lines. He sees 14% EPS growth, and still trades around 15x. Lots os upside organically and by acquisition in a fragmented space.

BUY ON WEAKNESS

The long term chart shows it is trading near the upper end of the trend channel. He added IFC-T during the consolidation back in March. The latest move has been a good return, but he expects to see consolidation. He would buy on weakness near $120.

BUY ON WEAKNESS

A great performer. Pays a 2.6% dividend. $99.18 is his model price. It's expensive. It trades within a zone and is now in the upper region of it. Hold it if you own it. Buy during a pullback.

PAST TOP PICK

(A Top Pick May 28/18, Up 23%) Held up better than other stocks did last November. Have increased auto insurance in last 3 quarters. Home and commercial premiums have gone up. Top line and bottom growth.

Showing 91 to 105 of 256 entries

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Intact Financial (IFC.TO)