Intact Financial (MEX:IFCN) Cyclically Adjusted Book per Share: MXN878.65 (As of Mar. 2026)


MEX:IFCN Intact Financial Corp MEX:IFCN
83 GF Score
Price MXN2,862.01
GF Value MXN2,530.23
! 3 Warning Signs
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What is Intact Financial Cyclically Adjusted Book per Share?

Intact Financial MEX:IFCN 83 Cyclically Adjusted Book per Share is MXN878.65 as of Mar. 2026. GuruFocus rates MEX:IFCN with a GF Score™ of 83/100 and a GF Value™ of MXN2,530.23. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Intact Financial's adjusted book value per share for the three months ended in Mar. 2026 was MXN1,429.737. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is MXN878.65 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Intact Financial's average Cyclically Adjusted Book Growth Rate was 10.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 9.30% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 11.30% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 9.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Intact Financial was 13.00% per year. The lowest was 6.40% per year. And the median was 9.30% per year.

As of today (2026-06-28), Intact Financial's current stock price is MXN2862.01. Intact Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was MXN878.65. Intact Financial's Cyclically Adjusted PB Ratio of today is 3.26.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Intact Financial was 4.44. The lowest was 2.54. And the median was 3.37.


Intact Financial  (MEX:IFCN) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Intact Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=2862.01/878.65
=3.26

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Intact Financial was 4.44. The lowest was 2.54. And the median was 3.37.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Intact Financial Cyclically Adjusted Book per Share Related Terms


Intact Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Intact Financial's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Intact Financial Cyclically Adjusted Book per Share Chart

Intact Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 841.67 881.80 745.77 750.23

Intact Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 684.52 649.86 776.57 750.23 878.65

MEX:IFCN vs CB, PGR, TRV: Cyclically Adjusted Book per Share Comparison

For the Insurance - Property & Casualty subindustry, Intact Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Intact Financial Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Intact Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Intact Financial's Cyclically Adjusted PB Ratio falls into.


MEX:IFCN
83GF Score
Intact Financial Corp MEX:IFCN
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Intact Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Intact Financial's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1429.737/132.2623*132.2623
=1,429.737

Current CPI (Mar. 2026) = 132.2623.

Intact Financial Quarterly Data

Book Value per Share CPI Adj_Book
201606 581.918 102.002 754.555
201609 611.654 101.765 794.960
201612 660.428 101.449 861.025
201703 606.818 102.634 781.996
201706 573.203 103.029 735.845
201709 688.181 103.345 880.746
201712 738.151 103.345 944.698
201803 664.785 105.004 837.359
201806 728.175 105.557 912.399
201809 707.087 105.636 885.313
201812 712.055 105.399 893.538
201903 728.352 106.979 900.488
201906 702.015 107.690 862.196
201909 743.089 107.611 913.312
201912 772.964 107.769 948.637
202003 868.614 107.927 1,064.465
202006 918.911 108.401 1,121.178
202009 938.687 108.164 1,147.818
202012 912.988 108.559 1,112.330
202103 1,011.365 110.298 1,212.769
202106 1,265.193 111.720 1,497.831
202109 1,285.439 112.905 1,505.826
202112 1,357.892 113.774 1,578.550
202203 1,292.669 117.646 1,453.276
202206 1,270.492 120.806 1,390.977
202209 1,189.771 120.648 1,304.307
202212 1,189.069 120.964 1,300.132
202303 1,023.904 122.702 1,103.680
202306 984.400 124.203 1,048.273
202309 994.416 125.230 1,050.254
202312 1,033.842 125.072 1,093.273
202403 1,039.186 126.258 1,088.609
202406 1,176.334 127.522 1,220.064
202409 1,317.050 127.285 1,368.555
202412 1,356.565 127.364 1,408.741
202503 1,370.303 129.181 1,402.989
202506 1,359.282 129.892 1,384.087
202509 1,367.950 130.287 1,388.689
202512 1,401.257 130.366 1,421.639
202603 1,429.737 132.262 1,429.737

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of MXN878.65 mean?
Intact Financial (MEX:IFCN) has a Cyclically Adjusted Book per Share of MXN878.65 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Intact Financial and its competitors.
Is Intact Financial's Cyclically Adjusted Book per Share too high?
Intact Financial's current Cyclically Adjusted Book per Share is MXN878.65. Overall, Intact Financial has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Intact Financial's Cyclically Adjusted Book per Share compare to CB and PGR?
Intact Financial's Cyclically Adjusted Book per Share of MXN878.65 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Intact Financial and its competitors. Intact Financial's current Cyclically Adjusted Book per Share is MXN878.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Intact Financial stock overvalued right now?
Intact Financial (MEX:IFCN) has a current Cyclically Adjusted Book per Share of MXN878.65. The stock's GF Value™ is MXN2,530.23, compared to a current price of MXN2,862.01 — trading 13.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is MXN878.65. Intact Financial's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Intact Financial (MEX:IFCN), the current Cyclically Adjusted Book per Share is MXN878.65 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Intact Financial (MEX:IFCN) Overvalued in 2026?

Based on GuruFocus' analysis, Intact Financial stock appears to be overvalued. The current stock price of MXN2,862.01 is trading 13.1% above its estimated GF Value™ of MXN2,530.23.

Key valuation signals for MEX:IFCN:

  • Cyclically Adjusted Book per Share: MXN878.65
  • GF Value™: MXN2,530.23 vs. price of MXN2,862.01 (13.1% above fair value)
  • GF Score™: 83/100 with 3 warning signs

No single metric tells the full story. See the MEX:IFCN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Intact Financial Business Description

Address 700 University Avenue, Suite 1500-A, Toronto, ON, CAN, M5G 0A1
Intact Financial Corp is a property and casualty insurance company that provides written premiums in Canada. The company distributes insurance under the Intact Insurance brand through a network of brokers and a wholly-owned subsidiary, BrokerLink, and directly to consumers through Belairdirect. The majority of the company's direct premiums are written in the personal automotive space. Intact directly manages its investments through its subsidiary Intact Investment Management. The vast majority of these invested assets are fixed-income securities. Its asset mix is designed to generate interest and dividend income. The company has three reportable segments Canada, UK & International, and U.S.
83GF Score

Get the complete analysis for MEX:IFCN

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN2,862.01
Price
MXN2,530.23
GF Value