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Market Price

76.73 

1.33 1.8%

as of Dec 07 '18

52 Week Range:

70.26 84.51


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada and the United States. It offers personal auto insurance; and insurance for motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles. The company also offers personal property insurance, such as protection for homes and contents from risks, such as fire, theft, vandalism, water damage, and other damages, as well as personal liability coverage; and property coverage for tenants, condominium owners, non-owner occupied residences, and seasonal residences. In addition, it provides insurance products for commercial lines for a group of small and medium sized businesses; and commercial property insurance for the protection of physical assets of the business; and liability coverages, including commercial general, product, and professional liability, as well as cyber endorsement. Further, the company offers commercial vehicle insurance coverages for the protection for commercial auto, fleets, garage operations, light trucks, public vehicles, and the transportation needs of the sharing economy. Additionally, it provides specialty products for various customers or industry groups, including accident and health, technology, ocean and inland marine, public entities, and entertainment; and various products and coverages to healthcare, tuition reimbursement, surety, management liability, financial services, specialty property, environmental, and financial institutions. The company offers its products and services under the Intact Insurance, belairdirect, Brokerlink, and OneBeacon brands through a network of brokers, independent agencies, wholesalers, and managing general agencies, as well as directly to consumers. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 28.38
33.20
31.23
31.39
27.37
30.75
37.05
growth rate 17.0% -5.9% 0.5% -12.8% 12.4% 20.5%
Earnings BIT 529.00
1,021.00
920.00
736.00
944.00
growth rate 93.0% -9.9% -20.0% 28.3%
Avg.PE 15.65
16.18
22.43
19.16
growth rate 3.4% 38.6% -14.6%
ROA 4.90
1.27
1.20
3.57
2.92
2.97
2.18
3.88
3.38
2.45
3.11
growth rate -74.1% -5.5% 197.5% -18.2% 1.7% -26.6% 78.0% -12.9% -27.5% 26.9%
ROE 15.42
4.42
4.51
13.87
13.44
14.22
9.72
16.58
13.84
9.98
12.90
growth rate -71.3% 2.0% 207.5% -3.1% 5.8% -31.7% 70.6% -16.5% -27.9% 29.3%
Leverage 3.28
3.71
3.81
3.96
5.13
4.50
4.43
4.14
4.05
4.11
4.18
growth rate 13.1% 2.7% 3.9% 29.6% -12.3% -1.6% -6.6% -2.2% 1.5% 1.7%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 3,494.00
3,075.00
3,244.00
3,429.00
3,685.00
growth rate -12.0% 5.5% 5.7% 7.5%
Acct.Payable 3,303.00
3,288.00
3,299.00
3,655.00
4,253.00
growth rate -0.5% 0.3% 10.8% 16.4%
Cur.Assets 4,180.00
3,590.00
3,799.00
4,215.00
4,900.00
growth rate -14.1% 5.8% 11.0% 16.3%
Total Assets 19,774.00
20,580.00
21,315.00
22,866.00
27,928.00
growth rate 4.1% 3.6% 7.3% 22.1%
Cash 99.00
89.00
141.00
168.00
163.00
growth rate -10.1% 58.4% 19.2% -3.0%
Cur.Liabilities 8,053.00
8,250.00
8,604.00
9,299.00
10,868.00
growth rate 2.5% 4.3% 8.1% 16.9%
Liabilities 14,820.00
15,125.00
15,591.00
16,778.00
20,465.00
growth rate 2.1% 3.1% 7.6% 22.0%
LT Debt 1,143.00
1,143.00
1,143.00
1,393.00
2,241.00
growth rate 0.0% 0.0% 21.9% 60.9%
Equity 4,465.00
4,966.00
5,235.00
5,599.00
6,680.00
growth rate 11.2% 5.4% 7.0% 19.3%
Common Shares 127.00
122.00
120.00
115.00
115.00
131.00
132.00
132.00
132.00
131.00
133.00
growth rate -3.9% -1.6% -4.2% 0.0% 13.9% 0.8% 0.0% 0.0% -0.8% 1.5%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 98.00
97.00
89.00
120.00
98.00
growth rate -1.0% -8.3% 34.8% -18.3%
Cash Dividends 254.00
276.00
300.00
324.00
378.00
growth rate 8.7% 8.7% 8.0% 16.7%
Cash From OA 185.00
1,412.00
889.00
925.00
781.00
growth rate 663.2% -37.0% 4.1% -15.6%
FCF per Share 4.05
5.00
2.34
5.28
4.56
5.03
4.90
growth rate 23.5% -53.2% 125.6% -13.6% 10.3% -2.6%
Sale Purchase of Stock 754.00
754.00
754.00
754.00
growth rate 0.0% 0.0% 0.0%
FCF 572.00
570.00
487.00
462.00
473.00
650.00
87.00
1,281.00
800.00
805.00
683.00
growth rate -0.4% -14.6% -5.1% 2.4% 37.4% -86.6% 1,372.4% -37.6% 0.6% -15.2%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 7,476.00
7,980.00
8,099.00
8,507.00
9,245.00
growth rate 6.7% 1.5% 5.0% 8.7%
Op.Income 529.00
1,021.00
920.00
736.00
944.00
growth rate 93.0% -9.9% -20.0% 28.3%
IBT 465.00
957.00
875.00
686.00
942.00
growth rate 105.8% -8.6% -21.6% 37.3%
Net Income 431.00
782.00
706.00
541.00
792.00
growth rate 81.4% -9.7% -23.4% 46.4%
EPS 4.01
1.05
1.06
4.32
3.96
4.20
3.10
5.79
5.20
3.97
5.75
growth rate -73.8% 1.0% 307.6% -8.3% 6.1% -26.2% 86.8% -10.2% -23.7% 44.8%
Gross Profit 628.00
1,109.00
1,023.00
842.00
1,061.00
growth rate 76.6% -7.8% -17.7% 26.0%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 255.00
250.00
241.00
123.00
207.00
growth rate -2.0% -3.6% -49.0% 68.3%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 3,425.00
3,831.00
3,685.00
3,411.00
3,853.00
growth rate 11.9% -3.8% -7.4% 13.0%
Acct.Payable 8,703.00
10,686.00
4,253.00
10,829.00
10,888.00
growth rate 22.8% -60.2% 154.6% 0.5%
Cur.Assets 4,185.00
5,448.00
4,900.00
4,768.00
5,287.00
growth rate 30.2% -10.1% -2.7% 10.9%
Total Assets 23,716.00
28,552.00
27,928.00
27,330.00
28,410.00
growth rate 20.4% -2.2% -2.1% 4.0%
Cash 155.00
518.00
163.00
240.00
287.00
growth rate 234.2% -68.5% 47.2% 19.6%
Cur.Liabilities 14,575.00
17,376.00
10,868.00
16,586.00
17,199.00
growth rate 19.2% -37.5% 52.6% 3.7%
Liabilities 17,558.00
21,288.00
20,465.00
19,960.00
20,612.00
growth rate 21.2% -3.9% -2.5% 3.3%
LT Debt 1,815.00
2,389.00
2,241.00
2,248.00
2,266.00
growth rate 31.6% -6.2% 0.3% 0.8%
Equity 5,522.00
6,481.00
6,680.00
6,587.00
6,770.00
growth rate 17.4% 3.1% -1.4% 2.8%
Common Shares 2,081.00
2,818.00
2,816.00
2,816.00
2,816.00
growth rate 35.4% -0.1% 0.0% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 25.00
24.00
24.00
22.00
29.00
growth rate -4.0% 0.0% -8.3% 31.8%
Cash Dividends 88.00
102.00
99.00
106.00
105.00
growth rate 15.9% -2.9% 7.1% -0.9%
Cash From OA 353.00
422.00
23.00
-247.00
317.00
growth rate 19.6% -94.6% -100.0% 100.0%
Sale Purchase of Stock 731.00
731.00
23.00
growth rate 0.0% -96.9%
FCF 328.00
398.00
-1.00
-269.00
288.00
growth rate 21.3% -100.0% 0.0% 100.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 2,232.00
2,172.00
2,613.00
2,541.00
2,611.00
growth rate -2.7% 20.3% -2.8% 2.8%
Op.Income 255.00
250.00
241.00
123.00
207.00
growth rate -2.0% -3.6% -49.0% 68.3%
IBT 295.00
220.00
246.00
120.00
199.00
growth rate -25.4% 11.8% -51.2% 65.8%
Net Income 243.00
171.00
232.00
103.00
161.00
growth rate -29.6% 35.7% -55.6% 56.3%
Gross Profit 281.00
281.00
285.00
157.00
242.00
growth rate 0.0% 1.4% -44.9% 54.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (33.31)

YOY Growth Grade:

E (16.73)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 21.66 21.66
EPS / Growth 3.54

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 13.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 13.3% 13.3% 13.3%
Future PE 0.01 16.10 16.10
Future EPS 12.37 12.37 12.37
Value Price
MOS %
0.03
-100.0%
49.25
-35.8%
49.25
-35.8%
MOS Price 0.02 24.62 24.62
IRT 10.12 10.12 10.12

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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