Intact FinancialMEX:IFCN 83 Net Margin % is 11.76% as of Mar. 2026, which is 37% above its 10-year median of 8.57. 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 506 Insurance companies, Intact Financial ranks better than 67.39% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Intact Financial's Net Income for the
three
months ended in Mar. 2026 was MXN9,884 Mil. Intact Financial's Revenue for the
three
months ended in Mar. 2026 was MXN84,012 Mil. Therefore, Intact Financial's net margin for the quarter that ended in Mar. 2026 was 11.76%.
The historical rank and industry rank for Intact Financial's Net Margin % or its related term are showing as below:
MEX:IFCN'
s Net Margin % Range Over the Past 10 Years
Min: 5.65 Med: 8.57 Max: 13.2
Current: 13.2
MEX:IFCN's Net Margin % is ranked better than 67.39% of 506
companies
in the Insurance industry
Industry Median: 9.275
vs MEX:IFCN: 13.20
Intact Financial (MEX:IFCN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Intact Financial Net Margin % Related Terms
Intact Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Intact Financial's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Intact Financial's Net Margin % falls into.
* 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 Net Margin % of 11.76% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Intact Financial and its competitors. This is 37% above median its historical median of 8.57. Over the past decade, Intact Financial's Net Margin % has ranged from 5.65 to 13.20. According to the industry distribution chart, Intact Financial ranks #165 out of 506 companies in the Insurance industry, placing it in the top 32.6%.
Is Intact Financial's Net Margin % too high?
Intact Financial's current Net Margin % of 11.76% is 37% above median its 10-year median of 8.57. Over the past 10 years, this metric has ranged from a low of 5.65 to a high of 13.20. The Insurance industry median Net Margin % is 9.28. Intact Financial's value of 11.76% is 26.8% above this industry median. Based on the distribution chart, Intact Financial ranks #165 out of 506 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 Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #165 out of 506 companies for Net Margin %. This puts Intact Financial in the upper half of its industry. The industry median Net Margin % is 9.28. Intact Financial's value of 11.76% is 26.8% above this benchmark. Historically, Intact Financial's own Net Margin % has ranged from 5.65 to 13.20 over the past decade. While the company's 10-year median is 8.57 vs. the industry median of 9.28, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.28, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current Net Margin % of 11.76% is 26.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Intact Financial and its competitors. For the Insurance industry, the median Net Margin % is 9.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current Net Margin % is 11.76%, which is 37% above median its own 10-year median of 8.57. 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 Net Margin % of 11.76%. 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 Net Margin % is 11.76%, which is 37% above median its 10-year median of 8.57 and 26.8% above the Insurance industry median of 9.28. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Intact Financial (MEX:IFCN), the current Net Margin % is 11.76% 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:
Net Margin %: 11.76% (37% above median its 10-year median of 8.57)
GF Value™: MXN2,530.23 vs. price of MXN2,862.01 (13.1% above fair value)
Industry Position: 26.8% above the Insurance median (#165 of 506)
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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