Intact Financial (MEX:IFCN) Moat Score: 6/10 (As of Jun. 28, 2026)


MEX:IFCN Intact Financial Corp MEX:IFCN
83 GF Score
Price MXN2,862.01
GF Value MXN2,530.23
! 3 Warning Signs
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What is Intact Financial Moat Score?

Intact Financial MEX:IFCN 83 Moat Score is 6 as of Jun. 28, 2026. 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 601 Insurance companies, Intact Financial ranks better than 95.01% on this metric.

Intact Financial has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Intact Financial has Narrow Moat: Intact Financial Corp has a strong narrow moat due to its leading position in the Canadian insurance market, brand strength, and customer loyalty. It benefits from economies of scale and regulatory barriers, but lacks the global presence and pricing power needed for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Intact Financial might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Intact Financial  (MEX:IFCN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Intact Financial Moat Score Related Terms

MEX:IFCN vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Intact Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Intact Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Intact Financial's Moat Score falls into.


MEX:IFCN
83GF Score
Intact Financial Corp MEX:IFCN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Intact Financial (MEX:IFCN) has a Moat Score of 6 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Intact Financial ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is Intact Financial's Moat Score too high?
Intact Financial's current Moat Score is 6. Based on the distribution chart, Intact Financial ranks #30 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #30 out of 601 companies for Moat Score. This places Intact Financial in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Intact Financial's current Moat Score is 6. 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 Moat Score of 6. 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 Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Intact Financial (MEX:IFCN), the current Moat Score is 6 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:

  • Moat Score: 6
  • GF Value™: MXN2,530.23 vs. price of MXN2,862.01 (13.1% above fair value)
  • GF Score™: 83/100 with 3 warning signs

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 Business Description

Address 700 University Avenue, Suite 1500-A, Toronto, ON, CAN, M5G 0A1
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN2,862.01
Price
MXN2,530.23
GF Value