Intact FinancialMEX:IFCN 83 Interest Coverage is 18.78 as of Mar. 2026, which is 48% above its 10-year median of 12.66. 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 353 Insurance companies, Intact Financial ranks better than 56.09% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Intact Financial's
EBIT
for the
three
months ended in Mar. 2026 was MXN13,327 Mil. Intact Financial's Interest Expense for the
three
months ended in Mar. 2026 was MXN-710 Mil.
Intact Financial's interest coverage for the quarter that ended in Mar. 2026 was 18.78.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Intact Financial's Interest Coverage or its related term are showing as below:
MEX:IFCN'
s Interest Coverage Range Over the Past 10 Years
Min: 8.57 Med: 12.66 Max: 20.72
Current: 20.72
MEX:IFCN's Interest Coverage is ranked better than 56.09% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs MEX:IFCN: 20.72
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Intact Financial Interest Coverage Related Terms
Intact Financial Interest Coverage Historical Data
* Premium members only.
The historical data trend for Intact Financial's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
MEX:IFCN vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Intact Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Intact Financial's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 18.78 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Intact Financial and its competitors. This is 48% above median its historical median of 12.66. Over the past decade, Intact Financial's Interest Coverage has ranged from 8.57 to 20.72. According to the industry distribution chart, Intact Financial ranks #155 out of 353 companies in the Insurance industry, placing it in the top 43.9%.
Is Intact Financial's Interest Coverage too high?
Intact Financial's current Interest Coverage of 18.78 is 48% above median its 10-year median of 12.66. Over the past 10 years, this metric has ranged from a low of 8.57 to a high of 20.72. The Insurance industry median Interest Coverage is 16.26. Intact Financial's value of 18.78 is 15.5% above this industry median. Based on the distribution chart, Intact Financial ranks #155 out of 353 companies in the Insurance industry, which is above 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 Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #155 out of 353 companies for Interest Coverage. This puts Intact Financial in the upper half of its industry. The industry median Interest Coverage is 16.26. Intact Financial's value of 18.78 is 15.5% above this benchmark. Historically, Intact Financial's own Interest Coverage has ranged from 8.57 to 20.72 over the past decade. While the company's 10-year median is 12.66 vs. the industry median of 16.26, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.26, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current Interest Coverage of 18.78 is 15.5% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Intact Financial and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current Interest Coverage is 18.78, which is 48% above median its own 10-year median of 12.66. 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 Interest Coverage of 18.78. 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 Interest Coverage is 18.78, which is 48% above median its 10-year median of 12.66 and 15.5% above the Insurance industry median of 16.26. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Intact Financial (MEX:IFCN), the current Interest Coverage is 18.78 as of Mar. 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:
Interest Coverage: 18.78 (48% above median its 10-year median of 12.66)
GF Value™: MXN2,530.23 vs. price of MXN2,862.01 (13.1% above fair value)
Industry Position: 15.5% above the Insurance median (#155 of 353)
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
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