Financials Intact Financial Corporation

Equities

Market Closed - Toronto S.E. Other stock markets 04:00:00 2024-12-06 pm EST			5-day change	1st Jan Change
274.23 ^CAD	+1.96%		+2.83%	+34.52%

Nov. 20	Intact Financial CFO Louis Marcotte to Step Down in February.	MT
Nov. 20	Intact Financial Names Ken Anderson to Succeed Retiring CFO Louis Marcotte	DJ

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	10,211	11,220	16,238	19,792	-	21,636	23,108	24,558
Change	-	9.88%	44.72%	21.89%	-100%	-	6.8%	6.27%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	976	1,522	2,668	2,667	-	3,209	4,057	4,345
Change	-	55.94%	75.3%	-0.04%	-100%	-	26.44%	7.11%
Interest Paid ¹	-110	-115	-153	-177	-222	-237.7	-236.7	-243.7
Earnings before Tax (EBT) ¹	833	1,359	2,568	2,942	1,804	3,093	3,526	3,860
Change	-	63.15%	88.96%	14.56%	-38.68%	71.46%	14%	9.47%
Net income ¹	709	1,030	2,014	2,364	1,232	2,241	2,338	2,436
Change	-	45.28%	95.53%	17.38%	-47.88%	81.91%	4.32%	4.2%
Announcement Date	2/4/20	2/9/21	2/8/22	2/7/23	2/13/24	-	-	-

¹CAD in Million

Estimates

Fiscal Period: December	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4
Net sales ¹	2,692	2,766	2,712	2,864	2,879	2,777	3,508	4,950	5,003	4,891	4,902	4,945	5,054	-	5,016	5,226	-	5,193	5,301	5,505	5,758	-	-	-	-
Change	-	2.75%	-1.95%	5.6%	0.52%	-3.54%	26.32%	41.11%	1.07%	-2.24%	0.22%	0.88%	2.2%	-100%	-	4.19%	-100%	-	2.08%	3.85%	4.6%	-100%	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	-	-	456	546	500	744	684	664	858	-	-	614	717	-	-	-	-	665	681	-	-	-	-	-	-
Change	-	-	-	19.74%	-8.42%	48.8%	-8.06%	-2.92%	29.22%	-100%	-	-	16.78%	-100%	-	-	-	-	2.41%	-100%	-	-	-	-	-
Charge d'intérêts	-26	-28	-29	-29	-29	-28	-38	-45	-42	-41	-43	-43	-50	-50	-52	-61	-59	-57	-54	-55	-	-	-	-	-
Earnings before Tax (EBT) ¹	274	146	317	426	470	630	676	391	871	612	1,399	456	475	551	333	184	736	830	981	229	1,095	821.8	1,066	1,022	1,098
Change	-	-46.72%	117.12%	34.38%	10.33%	34.04%	7.3%	-42.16%	122.76%	-29.74%	128.59%	-67.41%	4.17%	16%	-39.56%	-44.74%	300%	12.77%	18.19%	-76.66%	378.26%	-24.97%	29.67%	-4.07%	7.44%
Net income ¹	229	95	249	334	365	501	566	295	679	459	1,183	355	396	361	229	146	496	656	722	190	666.3	508.4	687.5	664.7	713.1
Change	-	-58.52%	162.11%	34.14%	9.28%	37.26%	12.97%	-47.88%	130.17%	-32.4%	157.73%	-69.99%	11.55%	-8.84%	-36.57%	-36.24%	239.73%	32.26%	10.06%	-73.68%	250.7%	-23.7%	35.24%	-3.32%	7.27%
Announcement Date	2/4/20	5/5/20	7/28/20	11/3/20	2/9/21	5/11/21	7/27/21	11/9/21	2/8/22	5/10/22	7/28/22	11/8/22	2/7/23	5/10/23	8/2/23	11/7/23	2/13/24	5/7/24	7/30/24	11/5/24	-	-	-	-	-

¹CAD in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt ¹	2,362	-	2,953	-	3,910	1,619	1,619	1,619
Change	-	-	-	-	-	-58.59%	0%	0%
Announcement Date	2/4/20	2/9/21	2/8/22	2/7/23	2/13/24	-	-	-

¹CAD in Million

Estimates

Fiscal Period: December	2018	2019	2020	2021	2022	2023
CAPEX ¹	117	117	163	327	411	458
Change	-	0%	39.32%	100.61%	25.69%	11.44%
Free Cash Flow (FCF) ¹	7,070	-6,216	1,053	6,085	1,572	4,208
Change	-	-187.92%	-116.95%	477.72%	-74.16%	167.63%
Announcement Date	2/5/19	2/4/20	2/9/21	2/8/22	2/7/23	2/13/24

¹CAD in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-
EBIT Margin (%)	9.56%	13.57%	16.43%	13.48%	-	14.83%	17.56%	17.69%
EBT Margin (%)	8.16%	12.11%	15.81%	14.86%	-	14.3%	15.26%	15.72%
Net margin (%)	6.94%	9.18%	12.4%	11.94%	-	10.36%	10.12%	9.92%
FCF margin (%)	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-
Profitability
ROA	-	-	-	-	-	-	-	-
ROE	10.39%	15.48%	15.97%	15.48%	12.87%	15.61%	17.07%	16.27%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Dividend per Share ¹	3.04	3.32	3.4	4	4.4	4.873	5.248	5.688
Change	-	9.21%	2.41%	17.65%	10%	10.75%	7.7%	8.37%
Book Value Per Share ¹	53.97	58.79	82.34	80.33	81.71	92.57	102.1	112.1
Change	-	8.93%	40.06%	-2.44%	1.72%	13.28%	10.35%	9.75%
EPS ¹	5.08	7.2	12.4	13.46	6.99	12.58	14.36	15.3
Change	-	41.73%	72.22%	8.55%	-48.07%	80.04%	14.11%	6.56%
Nbr of stocks (in thousands)	143,018	143,018	176,082	175,257	178,323	178,364	178,364	178,364
Announcement Date	2/4/20	2/9/21	2/8/22	2/7/23	2/13/24	-	-	-