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Intact FinancialTSX:IFC -1.71%92 Debt-to-Equity is 0.23 as of Jun. 2026, which is 28% below its 10-year median of 0.32. GuruFocus rates TSX:IFC with a GF Score™ of 92/100 and a GF Value™ of C$268.03 (Fairly Valued). The stock has 1 warning sign investors should review. Among 404 Insurance companies, Intact Financial ranks worse than 52.48% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Intact Financial's Debt-to-Equity or its related term are showing as below:
TSX:IFC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.23 Med: 0.32 Max: 0.41
Current: 0.23
During the past 13 years, the highest Debt-to-Equity Ratio of Intact Financial was 0.41. The lowest was 0.23. And the median was 0.32.
TSX:IFC's Debt-to-Equity is ranked worse than 52.48% of 404
companies
in the Insurance industry
Industry Median: 0.21
vs TSX:IFC: 0.23
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Intact Financial Debt-to-Equity Related Terms
Intact Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Intact Financial's Debt-to-Equity 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-Equity Comparison
For the Insurance - Property & Casualty subindustry, Intact Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Intact Financial's Debt-to-Equity 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.
Intact Financial (TSX:IFC) has a Debt-to-Equity of 0.23 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Intact Financial and its competitors. This is 28% below median its historical median of 0.32. Over the past decade, Intact Financial's Debt-to-Equity has ranged from 0.23 to 0.41. According to the industry distribution chart, Intact Financial ranks #212 out of 404 companies in the Insurance industry, placing it in the top 52.5%.
Is Intact Financial's Debt-to-Equity too high?
Intact Financial's current Debt-to-Equity of 0.23 is 28% below median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.41. The Insurance industry median Debt-to-Equity is 0.21. Intact Financial's value of 0.23 is 9.5% above this industry median. Based on the distribution chart, Intact Financial ranks #212 out of 404 companies in the Insurance industry, which is below the industry midpoint. Overall, Intact Financial has a GF Score™ of 92/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Intact Financial's Debt-to-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #212 out of 404 companies for Debt-to-Equity. This places Intact Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.21. Intact Financial's value of 0.23 is 9.5% above this benchmark. Historically, Intact Financial's own Debt-to-Equity has ranged from 0.23 to 0.41 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.21, Intact Financial has consistently been above 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 404 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current Debt-to-Equity of 0.23 is 9.5% above 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Intact Financial and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current Debt-to-Equity is 0.23, which is 28% below median its own 10-year median of 0.32. 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$268.03, compared to a current price of C$267.92 — trading 0% below its estimated fair value. The current Debt-to-Equity is 0.23, which is 28% below median its 10-year median of 0.32 and 9.5% above the Insurance industry median of 0.21. Intact Financial's overall GF Score™ is 92/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Intact Financial (TSX:IFC), the current Debt-to-Equity is 0.23 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 undervalued.
The current stock price of C$267.92 is trading 0% below its estimated GF Value™ of C$268.03.
GuruFocus considers Intact Financial to be Fairly Valued.
Key valuation signals for TSX:IFC:
Debt-to-Equity: 0.23 (28% below median its 10-year median of 0.32)
GF Value™: C$268.03 vs. price of C$267.92 (0% below fair value)
Industry Position: 9.5% above the Insurance median (#212 of 404)
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.
92GF Score
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