Intact FinancialMEX:IFCN 83 EV-to-FCF is 14.16 as of Jun. 28, 2026, which is 20% below its 10-year median of 17.62. GuruFocus rates MEX:IFCN with a GF Score™ of 83/100 and a GF Value™ of MXN2,530.23. The stock has 3 warning signs investors should review. Among 395 Insurance companies, Intact Financial ranks worse than 69.62% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Intact Financial's Enterprise Value is MXN702,270 Mil.
Intact Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was MXN49,585 Mil. Therefore, Intact Financial's EV-to-FCF for today is 14.16.
The historical rank and industry rank for Intact Financial's EV-to-FCF or its related term are showing as below:
MEX:IFCN'
s EV-to-FCF Range Over the Past 10 Years
Min: 10.6 Med: 17.62 Max: 43.17
Current: 15.33
During the past 13 years, the highest EV-to-FCF of Intact Financial was 43.17. The lowest was 10.60. And the median was 17.62.
MEX:IFCN's EV-to-FCF is ranked worse than 69.62% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs MEX:IFCN: 15.33
EV-to-FCF 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-FCF 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 MXN2862.01.
Intact Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was MXN250.590.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Intact Financial EV-to-FCF Related Terms
Intact Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Intact Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Intact Financial's EV-to-FCF falls into.
Intact Financial's current Enterprise Value is MXN702,270 Mil.
Intact Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was MXN49,585 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 (MEX:IFCN) has a EV-to-FCF of 14.16 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Intact Financial and its competitors. This is 20% below median its historical median of 17.62. Over the past decade, Intact Financial's EV-to-FCF has ranged from 10.60 to 43.17. According to the industry distribution chart, Intact Financial ranks #275 out of 395 companies in the Insurance industry, placing it in the top 69.6%.
Is Intact Financial's EV-to-FCF too high?
Intact Financial's current EV-to-FCF of 14.16 is 20% below median its 10-year median of 17.62. Over the past 10 years, this metric has ranged from a low of 10.60 to a high of 43.17. The Insurance industry median EV-to-FCF is 9.32. Intact Financial's value of 14.16 is 51.9% above this industry median. Based on the distribution chart, Intact Financial ranks #275 out of 395 companies in the Insurance industry, which is below the industry midpoint. Overall, Intact Financial has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Intact Financial's EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #275 out of 395 companies for EV-to-FCF. This places Intact Financial in the lower half of its industry. The industry median EV-to-FCF is 9.32. Intact Financial's value of 14.16 is 51.9% above this benchmark. Historically, Intact Financial's own EV-to-FCF has ranged from 10.60 to 43.17 over the past decade. While the company's 10-year median is 17.62 vs. the industry median of 9.32, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current EV-to-FCF of 14.16 is 51.9% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Intact Financial and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current EV-to-FCF is 14.16, which is 20% below median its own 10-year median of 17.62. 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?
Intact Financial (MEX:IFCN) has a current EV-to-FCF of 14.16. The stock's GF Value™ is MXN2,530.23, compared to a current price of MXN2,862.01 — trading 13.1% above its estimated fair value. The current EV-to-FCF is 14.16, which is 20% below median its 10-year median of 17.62 and 51.9% above the Insurance industry median of 9.32. Intact Financial's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Intact Financial (MEX:IFCN), the current EV-to-FCF is 14.16 as of Jun. 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 (MEX:IFCN) Overvalued in 2026?
Based on GuruFocus' analysis, Intact Financial stock appears to be overvalued.
The current stock price of MXN2,862.01 is trading 13.1% above its estimated GF Value™ of MXN2,530.23.
Key valuation signals for MEX:IFCN:
EV-to-FCF: 14.16 (20% below median its 10-year median of 17.62)
GF Value™: MXN2,530.23 vs. price of MXN2,862.01 (13.1% above fair value)
Industry Position: 51.9% above the Insurance median (#275 of 395)
No single metric tells the full story. See the MEX:IFCN 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.
83GF Score
Get the complete analysis for MEX:IFCN
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MEX:IFCN has been successfully added to your 
