Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Intact FinancialTSX:IFC +0.70%91 EV-to-OCF is 12.60 as of Aug. 28, 2026, which is 19% below its 10-year median of 15.58. GuruFocus rates TSX:IFC with a GF Score™ of 91/100 and a GF Value™ of C$266.72 (Fairly Valued). The stock has 1 warning sign investors should review. Among 504 Insurance companies, Intact Financial ranks worse than 70.83% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Intact Financial's Enterprise Value is C$52,651 Mil.
Intact Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was C$4,178 Mil. Therefore, Intact Financial's EV-to-OCF for today is 12.60.
The historical rank and industry rank for Intact Financial's EV-to-OCF or its related term are showing as below:
TSX:IFC'
s EV-to-OCF Range Over the Past 10 Years
Min: 9.86 Med: 15.58 Max: 34.87
Current: 12.42
During the past 13 years, the highest EV-to-OCF of Intact Financial was 34.87. The lowest was 9.86. And the median was 15.58.
TSX:IFC's EV-to-OCF is ranked worse than 70.83% of 504
companies
in the Insurance industry
Industry Median: 6.705
vs TSX:IFC: 12.42
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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$268.86.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Intact Financial EV-to-OCF Related Terms
Intact Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Intact Financial's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Intact Financial's EV-to-OCF falls into.
Intact Financial's current Enterprise Value is C$52,651 Mil.
Intact Financial's Cash Flow from Operations 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$4,178 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-OCF of 12.60 as of Aug. 28, 2026. This is 19% below median its historical median of 15.58. Over the past decade, Intact Financial's EV-to-OCF has ranged from 9.86 to 34.87. According to the industry distribution chart, Intact Financial ranks #357 out of 504 companies in the Insurance industry, placing it in the top 70.8%.
Is Intact Financial's EV-to-OCF too high?
Intact Financial's current EV-to-OCF of 12.60 is 19% below median its 10-year median of 15.58. Over the past 10 years, this metric has ranged from a low of 9.86 to a high of 34.87. The Insurance industry median EV-to-OCF is 6.71. Intact Financial's value of 12.60 is 87.9% above this industry median. Based on the distribution chart, Intact Financial ranks #357 out of 504 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 EV-to-OCF compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #357 out of 504 companies for EV-to-OCF. This places Intact Financial in the lower half of its industry. The industry median EV-to-OCF is 6.71. Intact Financial's value of 12.60 is 87.9% above this benchmark. Historically, Intact Financial's own EV-to-OCF has ranged from 9.86 to 34.87 over the past decade. While the company's 10-year median is 15.58 vs. the industry median of 6.71, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.71, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current EV-to-OCF of 12.60 is 87.9% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current EV-to-OCF is 12.60, which is 19% below median its own 10-year median of 15.58. 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$266.72, compared to a current price of C$268.86 — trading 0.8% above its estimated fair value. The current EV-to-OCF is 12.60, which is 19% below median its 10-year median of 15.58 and 87.9% above the Insurance industry median of 6.71. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Intact Financial (TSX:IFC), the current EV-to-OCF is 12.60 as of Aug. 28, 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$268.86 is trading 0.8% above its estimated GF Value™ of C$266.72.
GuruFocus considers Intact Financial to be Fairly Valued.
Key valuation signals for TSX:IFC:
EV-to-OCF: 12.60 (19% below median its 10-year median of 15.58)
GF Value™: C$266.72 vs. price of C$268.86 (0.8% above fair value)
Industry Position: 87.9% above the Insurance median (#357 of 504)
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
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TSX:IFC has been successfully added to your 
