Intact Financial (MEX:IFCN) Cyclically Adjusted FCF per Share: MXN141.19 (As of Jun. 2026)

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MEX:IFCN Intact Financial Corp MEX:IFCN
78 GF Score
Price MXN3,426.77
GF Value MXN2,641.30
Valuation Modestly Overvalued
! 1 Warning Sign
View Full Analysis

What is Intact Financial Cyclically Adjusted FCF per Share?

Intact Financial MEX:IFCN 78 Cyclically Adjusted FCF per Share is MXN141.19 as of Jun. 2026. GuruFocus rates MEX:IFCN with a GF Score™ of 78/100 and a GF Value™ of MXN2,641.30 (Modestly Overvalued). The stock has 1 warning sign 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Intact Financial's adjusted free cash flow per share for the three months ended in Jun. 2026 was MXN66.171. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is MXN141.19 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Intact Financial's average Cyclically Adjusted FCF Growth Rate was 12.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 9.80% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 13.60% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 12.30% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Intact Financial was 21.60% per year. The lowest was 3.20% per year. And the median was 10.40% per year.

As of today (2026-08-12), Intact Financial's current stock price is MXN3426.77. Intact Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was MXN141.19. Intact Financial's Cyclically Adjusted Price-to-FCF of today is 24.27.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Intact Financial was 26.81. The lowest was 16.98. And the median was 20.07.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Intact Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=3426.77/141.19
=24.27

* 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 Price-to-FCF of Intact Financial was 26.81. The lowest was 16.98. And the median was 20.07.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Intact Financial Cyclically Adjusted FCF per Share Related Terms


Intact Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Intact Financial's Cyclically Adjusted FCF 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 FCF per Share Chart

Intact Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 151.24 159.20 130.34 136.42

Intact Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF 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 116.05 141.11 136.42 159.40 141.19

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

For the Insurance - Property & Casualty subindustry, Intact Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Intact Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Intact Financial's Cyclically Adjusted Price-to-FCF falls into.


MEX:IFCN
78GF Score
Intact Financial Corp MEX:IFCN
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Intact Financial Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=66.171/133.5265*133.5265
=66.171

Current CPI (Jun. 2026) = 133.5265.

Intact Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 54.345 101.765 71.307
201612 14.523 101.449 19.115
201703 -4.509 102.634 -5.866
201706 34.042 103.029 44.119
201709 44.835 103.345 57.929
201712 -0.111 103.345 -0.143
201803 -27.146 105.004 -34.520
201806 30.975 105.557 39.182
201809 53.816 105.636 68.025
201812 18.372 105.399 23.275
201903 1.251 106.979 1.561
201906 35.825 107.690 44.420
201909 70.264 107.611 87.185
201912 16.321 107.769 20.222
202003 8.340 107.927 10.318
202006 90.045 108.401 110.915
202009 86.057 108.164 106.236
202012 67.875 108.559 83.485
202103 40.373 110.298 48.876
202106 54.193 111.720 64.771
202109 107.263 112.905 126.854
202112 71.674 113.774 84.117
202203 45.459 117.646 51.596
202206 51.927 120.806 57.395
202209 116.495 120.648 128.930
202212 66.230 120.964 73.108
202303 -46.291 122.702 -50.375
202306 37.246 124.203 40.042
202309 90.091 125.230 96.059
202312 18.946 125.072 20.227
202403 11.759 126.258 12.436
202406 61.333 127.522 64.221
202409 80.818 127.285 84.781
202412 79.914 127.364 83.781
202503 38.996 129.181 40.308
202506 81.177 129.892 83.448
202509 114.996 130.287 117.855
202512 61.599 130.366 63.092
202603 20.118 132.262 20.310
202606 66.171 133.527 66.171

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of MXN141.19 mean?
Intact Financial (MEX:IFCN) has a Cyclically Adjusted FCF per Share of MXN141.19 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Intact Financial and its competitors.
Is Intact Financial's Cyclically Adjusted FCF per Share too high?
Intact Financial's current Cyclically Adjusted FCF per Share is MXN141.19. Overall, Intact Financial has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intact Financial's Cyclically Adjusted FCF per Share compare to CB and PGR?
Intact Financial's Cyclically Adjusted FCF per Share of MXN141.19 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 FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Intact Financial and its competitors. Intact Financial's current Cyclically Adjusted FCF per Share is MXN141.19. 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?
Based on GuruFocus' analysis, Intact Financial (MEX:IFCN) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN2,641.30, compared to a current price of MXN3,426.77 — trading 29.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is MXN141.19. Intact Financial's overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Intact Financial (MEX:IFCN), the current Cyclically Adjusted FCF per Share is MXN141.19 as of Jun. 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 MXN3,426.77 is trading 29.7% above its estimated GF Value™ of MXN2,641.30. GuruFocus considers Intact Financial to be Modestly Overvalued.

Key valuation signals for MEX:IFCN:

  • Cyclically Adjusted FCF per Share: MXN141.19
  • GF Value™: MXN2,641.30 vs. price of MXN3,426.77 (29.7% above fair value)
  • GF Score™: 78/100 with 1 warning sign

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.
78GF Score

Get the complete analysis for MEX:IFCN

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

MXN3,426.77
Price
MXN2,641.30
GF Value