Intact Financial Corporation

IFC.TOTSXFinancial Services● Active

$277.25

+$1.33(+0.48%)

Market Cap$49.0B

P/E Ratio—

52W High$317.35

52W Low$242.87

Avg Volume458K

Open$274.16

Beta0.30

Free Cash Flow Financials Revenue

Intact Financial Corporation (IFC.TO) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

IFC.TO · free cash flow · updated Jun 8, 2026

Core FCF metrics

IFC.TO · FCF · TTM · margin & CAGR

Free cash flow was $3.93B for FY2025 (fiscal year ending 2025-12-31), up 32.9% year-over-year The FCF margin was 15.1%. Five-year CAGR stands at +12.4%.

FY2025 Free Cash Flow$3.93B▲ +32.9% YoY

Trailing 12M (TTM)$3.71Btrailing 4 quarters sum

FCF Margin15.1%$3.93B ÷ revenue

3-Year CAGR+6.5%FY2022 → FY2025

5-Year CAGR+12.4%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

IFC.TO · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$4.39B(457M)$3.93B▲ +32.9%15.1%

FY2024$3.39B(429M)$2.96B▲ +113.1%11.8%

FY2023$1.85B(458M)$1.39B▼ 57.3%6.0%

FY2022$3.67B(411M)$3.25B▲ +16.1%14.4%

FY2021$3.13B(327M)$2.80B▲ +28.0%15.9%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

IFC.TO · P/FCF · FCF yield · FCF per share

Intact Financial Corporation (IFC.TO) trades at a FCF yield of 7.58% and a price-to-free-cash-flow ratio of 13.3x. FCF per share stands at $20.85, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

7.58%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$20.85

TTM FCF ÷ Shares Outstanding

Price / FCF

x13.3

Share Price ÷ FCF per Share

EV / FCF (TTM)

x13.9

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

IFC.TO · cash flow statement · operating / investing / financing

For FY2025, Intact Financial Corporation generated $4.39B in operating cash flow and spent 457M in capital expenditures, yielding $3.93B in free cash flow.

Operating Activities

+$4.39B

Cash from core business operations

2025-12-31

Investing Activities

−$2.58B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$1.60B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($4.39B) − |CapEx| (457M) = FCF ($3.93B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

IFC.TO vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Intact Financial CorporationYOU

IFC.TO

$3.93B+32.9%15.1%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Intact Financial Corporation (IFC.TO) reported free cash flow of $3.93B for FY2025 (fiscal year ending 2025-12-31), up 32.9% year-over-year. The FCF margin was 15.1%.

Based on available data, Intact Financial Corporation has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $3.93B in FY2025. The 5-year CAGR stands at +12.4%.

Intact Financial Corporation's FCF yield is 7.58% and price-to-FCF ratio is 13.3x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

IFC.TO free cash flow · 8 questions

Intact Financial Corporation free cash flow was $3.93B for FY2025, up 32.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $3.71B.

IFC.TO free cash flowIFC.TO FCFIFC.TO FCF 2025IFC.TO free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Intact Financial Corporation · Intact Financial Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026