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Intact FinancialTSX:IFC -0.74%92 EV-to-EBITDA is 10.34 as of Aug. 13, 2026, which is 31% below its 10-year median of 14.94. GuruFocus rates TSX:IFC with a GF Score™ of 92/100 and a GF Value™ of C$268.73 (Fairly Valued). The stock has 1 warning sign investors should review. Among 348 Insurance companies, Intact Financial ranks worse than 64.37% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Intact Financial's enterprise value is C$53,582 Mil.
Intact Financial's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was C$5,183 Mil. Therefore, Intact Financial's EV-to-EBITDA for today is 10.34.
The historical rank and industry rank for Intact Financial's EV-to-EBITDA or its related term are showing as below:
TSX:IFC'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 8.94 Med: 14.94 Max: 20.78
Current: 10.34
During the past 13 years, the highest EV-to-EBITDA of Intact Financial was 20.78. The lowest was 8.94. And the median was 14.94.
TSX:IFC's EV-to-EBITDA is ranked worse than 64.37% of 348
companies
in the Insurance industry
Industry Median: 8.11
vs TSX:IFC: 10.34
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Intact Financial's PE Ratio (TTM) for today is calculated as:
Intact Financial's share price for today is C$274.14.
Intact Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was C$17.990.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Intact Financial's EV-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.
For the Insurance - Property & Casualty subindustry, Intact Financial's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Intact Financial's EV-to-EBITDA falls into.
Intact Financial's current Enterprise Value is C$53,582 Mil.
Intact Financial's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was C$5,183 Mil.
* 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 EV-to-EBITDA of 10.34 as of Aug. 13, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Intact Financial. This is 31% below median its historical median of 14.94. Over the past decade, Intact Financial's EV-to-EBITDA has ranged from 8.94 to 20.78. According to the industry distribution chart, Intact Financial ranks #224 out of 348 companies in the Insurance industry, placing it in the top 64.4%.
Is Intact Financial's EV-to-EBITDA too high?
Intact Financial's current EV-to-EBITDA of 10.34 is 31% below median its 10-year median of 14.94. Over the past 10 years, this metric has ranged from a low of 8.94 to a high of 20.78. The Insurance industry median EV-to-EBITDA is 8.11. Intact Financial's value of 10.34 is 27.5% above this industry median. Based on the distribution chart, Intact Financial ranks #224 out of 348 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 EV-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #224 out of 348 companies for EV-to-EBITDA. This places Intact Financial in the lower half of its industry. The industry median EV-to-EBITDA is 8.11. Intact Financial's value of 10.34 is 27.5% above this benchmark. Historically, Intact Financial's own EV-to-EBITDA has ranged from 8.94 to 20.78 over the past decade. While the company's 10-year median is 14.94 vs. the industry median of 8.11, 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.11, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current EV-to-EBITDA of 10.34 is 27.5% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Intact Financial. For the Insurance industry, the median EV-to-EBITDA is 8.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current EV-to-EBITDA is 10.34, which is 31% below median its own 10-year median of 14.94. 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$268.73, compared to a current price of C$274.14 — trading 2% above its estimated fair value. The current EV-to-EBITDA is 10.34, which is 31% below median its 10-year median of 14.94 and 27.5% above the Insurance industry median of 8.11. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Intact Financial (TSX:IFC), the current EV-to-EBITDA is 10.34 as of Aug. 13, 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$274.14 is trading 2% above its estimated GF Value™ of C$268.73.
GuruFocus considers Intact Financial to be Fairly Valued.
Key valuation signals for TSX:IFC:
EV-to-EBITDA: 10.34 (31% below median its 10-year median of 14.94)
GF Value™: C$268.73 vs. price of C$274.14 (2% above fair value)
Industry Position: 27.5% above the Insurance median (#224 of 348)
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
Get the complete analysis for TSX:IFC
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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