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Intact FinancialTSX:IFC -0.22%91 Debt-to-EBITDA is 1.09 as of Jun. 2026, which is 39% below its 10-year median of 1.79. GuruFocus rates TSX:IFC with a GF Score™ of 91/100 and a GF Value™ of C$269.48 (Fairly Valued). The stock has 1 warning sign investors should review. Among 319 Insurance companies, Intact Financial ranks better than 57.68% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Intact Financial's Debt-to-EBITDA or its related term are showing as below:
TSX:IFC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.97 Med: 1.79 Max: 2.4
Current: 0.97
During the past 13 years, the highest Debt-to-EBITDA Ratio of Intact Financial was 2.40. The lowest was 0.97. And the median was 1.79.
TSX:IFC's Debt-to-EBITDA is ranked better than 57.68% of 319
companies
in the Insurance industry
Industry Median: 1.19
vs TSX:IFC: 0.97
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Intact Financial Debt-to-EBITDA Related Terms
Intact Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Intact Financial's Debt-to-EBITDA 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.
TSX:IFC vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Intact Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Intact Financial's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Intact Financial (TSX:IFC) has a Debt-to-EBITDA of 1.09 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Intact Financial. This is 39% below median its historical median of 1.79. Over the past decade, Intact Financial's Debt-to-EBITDA has ranged from 0.97 to 2.40. According to the industry distribution chart, Intact Financial ranks #135 out of 319 companies in the Insurance industry, placing it in the top 42.3%.
Is Intact Financial's Debt-to-EBITDA too high?
Intact Financial's current Debt-to-EBITDA of 1.09 is 39% below median its 10-year median of 1.79. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 2.40. The Insurance industry median Debt-to-EBITDA is 1.19. Intact Financial's value of 1.09 is 8.4% below this industry median. Based on the distribution chart, Intact Financial ranks #135 out of 319 companies in the Insurance industry, which is above the industry midpoint. Overall, Intact Financial has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Intact Financial's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #135 out of 319 companies for Debt-to-EBITDA. This puts Intact Financial in the upper half of its industry. The industry median Debt-to-EBITDA is 1.19. Intact Financial's value of 1.09 is 8.4% below this benchmark. Historically, Intact Financial's own Debt-to-EBITDA has ranged from 0.97 to 2.40 over the past decade. While the company's 10-year median is 1.79 vs. the industry median of 1.19, Intact Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current Debt-to-EBITDA of 1.09 is 8.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Intact Financial. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current Debt-to-EBITDA is 1.09, which is 39% below median its own 10-year median of 1.79. 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 (TSX:IFC) is currently considered Fairly Valued. The stock's GF Value™ is C$269.48, compared to a current price of C$282.53 — trading 4.8% above its estimated fair value. The current Debt-to-EBITDA is 1.09, which is 39% below median its 10-year median of 1.79 and 8.4% below the Insurance industry median of 1.19. Intact Financial's overall GF Score™ is 91/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Intact Financial (TSX:IFC), the current Debt-to-EBITDA is 1.09 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 (TSX:IFC) Overvalued in 2026?
Based on GuruFocus' analysis, Intact Financial stock appears to be overvalued.
The current stock price of C$282.53 is trading 4.8% above its estimated GF Value™ of C$269.48.
GuruFocus considers Intact Financial to be Fairly Valued.
Key valuation signals for TSX:IFC:
Debt-to-EBITDA: 1.09 (39% below median its 10-year median of 1.79)
GF Value™: C$269.48 vs. price of C$282.53 (4.8% above fair value)
Industry Position: 8.4% below the Insurance median (#135 of 319)
No single metric tells the full story. See the TSX:IFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
91GF Score
Get the complete analysis for TSX:IFC
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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