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Intact FinancialTSX:IFC -1.02%91 3-Year EBITDA Growth Rate is 11.80% as of Jun. 2026, which is 39% above its 10-year median of 8.50. GuruFocus rates TSX:IFC with a GF Score™ of 91/100 and a GF Value™ of C$265.62 (Fairly Valued). The stock has 1 warning sign investors should review. Among 290 Insurance companies, Intact Financial ranks worse than 56.9% on this metric.
During the past 12 months, Intact Financial's average EBITDA Per Share Growth Rate was 28.80% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 11.80% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 12.90% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 15.40% 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 average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Intact Financial was 60.70% per year. The lowest was -40.00% per year. And the median was 8.50% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Intact Financial 3-Year EBITDA Growth Rate Related Terms
TSX:IFC vs CB, PGR, TRV: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Intact Financial's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Intact Financial's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 11.80% mean?
Intact Financial (TSX:IFC) has a 3-Year EBITDA Growth Rate of 11.80% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Intact Financial and its competitors. This is 39% above median its historical median of 8.50. According to the industry distribution chart, Intact Financial ranks #165 out of 290 companies in the Insurance industry, placing it in the top 56.9%.
Is Intact Financial's 3-Year EBITDA Growth Rate too high?
Intact Financial's current 3-Year EBITDA Growth Rate of 11.80% is 39% above median its 10-year median of 8.50. The Insurance industry median 3-Year EBITDA Growth Rate is 15.55. Intact Financial's value of 11.80% is 24.1% below this industry median. Based on the distribution chart, Intact Financial ranks #165 out of 290 companies in the Insurance industry, which is below 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 3-Year EBITDA Growth Rate compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #165 out of 290 companies for 3-Year EBITDA Growth Rate. This places Intact Financial in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 15.55. Intact Financial's value of 11.80% is 24.1% below this benchmark. While the company's 10-year median is 8.50 vs. the industry median of 15.55, 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 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 15.55, based on 290 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current 3-Year EBITDA Growth Rate of 11.80% is 24.1% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Intact Financial and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 15.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current 3-Year EBITDA Growth Rate is 11.80%, which is 39% above median its own 10-year median of 8.50. 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$265.62, compared to a current price of C$266.05 — trading 0.2% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 11.80%, which is 39% above median its 10-year median of 8.50 and 24.1% below the Insurance industry median of 15.55. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Intact Financial (TSX:IFC), the current 3-Year EBITDA Growth Rate is 11.80% 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$266.05 is trading 0.2% above its estimated GF Value™ of C$265.62.
GuruFocus considers Intact Financial to be Fairly Valued.
Key valuation signals for TSX:IFC:
3-Year EBITDA Growth Rate: 11.80% (39% above median its 10-year median of 8.50)
GF Value™: C$265.62 vs. price of C$266.05 (0.2% above fair value)
Industry Position: 24.1% below the Insurance median (#165 of 290)
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
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