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

Intact Financial (IFC.TO)

277.96

-0.26 (0.09%)

as of Jun 19, 2026, 8:00:01 pm Market Open.

246 watching

COMMENT

It is a very well run company and management has done a consistent job of gaining market share. It has no major large competitor in Canada. He would love to own it but it is now too expensive.

BUY

What other metric do you use beyond the combined ratio for lifecos?

Up 34% in 3 years. He looks for book value. IFC trades at a big premium to that, because it consistently makes money through investment earnings. They've made big recent acquisitions in Canada and the UK.

BUY ON WEAKNESS

Property & casualty company with strong presence in Canada.
Growing international market.
Positive aspect of business is premiums renew every year.
Premiums have been re-invested well.
Stock has performed very well.
Would recommend buying on weakness.

HOLD

Prefers IFC in the space with its scale, breadth, and geographic diversification. P&C has been in the sweet spot.

PAST TOP PICK

(A Top Pick Nov 03/21, Up 22%) Still buying. Reported yesterday, close to what the street was looking for. Great company. Insured loss costs went down during Covid. Pricing power. Best-in-class P&C insurer. A buy and hold "trophy".

COMMENT

P&C insurers pay lower yields than the lifecos. IFC is seen as quasi-growth/income. P&C can re-price annually, and there is pricing power in the market. She owns no P&C insurers, because valuations are higher.

TOP PICK

Great replacement for MFC in your portfolio. Creating significantly more shareholder value. Expanding outside Canada. Stable. Excellent capital allocators. Predictable earnings, what you want right now. Yield is 1.95%. (Analysts’ price target is $214.14)

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.

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