Intact FinancialFRA:I5U +6.51%78 OCF Margin % is 6.66% as of Mar. 2026, which is 47% below its 10-year median of 12.47. GuruFocus rates FRA:I5U with a GF Score™ of 78/100 and a GF Value™ of €157.69 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 501 Insurance companies, Intact Financial ranks better than 63.67% on this metric.
The historical rank and industry rank for Intact Financial's OCF Margin % or its related term are showing as below:
FRA:I5U'
s OCF Margin % Range Over the Past 10 Years
Min: 7.88 Med: 12.47 Max: 18.87
Current: 16.21
During the past 13 years, the highest OCF Margin % of Intact Financial was 18.87%. The lowest was 7.88%. And the median was 12.47%.
FRA:I5U's OCF Margin % is ranked better than 63.67% of 501
companies
in the Insurance industry
Industry Median: 10.85
vs FRA:I5U: 16.21
Intact Financial OCF Margin % Related Terms
Intact Financial OCF Margin % Historical Data
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The historical data trend for Intact Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Intact Financial's OCF 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 (FRA:I5U) has a OCF Margin % of 6.66% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Intact Financial and its competitors. This is 47% below median its historical median of 12.47. Over the past decade, Intact Financial's OCF Margin % has ranged from 7.88 to 18.87. According to the industry distribution chart, Intact Financial ranks #182 out of 501 companies in the Insurance industry, placing it in the top 36.3%.
Is Intact Financial's OCF Margin % too high?
Intact Financial's current OCF Margin % of 6.66% is 47% below median its 10-year median of 12.47. Over the past 10 years, this metric has ranged from a low of 7.88 to a high of 18.87. The Insurance industry median OCF Margin % is 10.85. Intact Financial's value of 6.66% is 38.6% below this industry median. Based on the distribution chart, Intact Financial ranks #182 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, Intact Financial has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intact Financial's OCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #182 out of 501 companies for OCF Margin %. This puts Intact Financial in the upper half of its industry. The industry median OCF Margin % is 10.85. Intact Financial's value of 6.66% is 38.6% below this benchmark. Historically, Intact Financial's own OCF Margin % has ranged from 7.88 to 18.87 over the past decade. While the company's 10-year median is 12.47 vs. the industry median of 10.85, Intact Financial has consistently been below 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.85, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current OCF Margin % of 6.66% is 38.6% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Intact Financial and its competitors. For the Insurance industry, the median OCF Margin % is 10.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current OCF Margin % is 6.66%, which is 47% below median its own 10-year median of 12.47. 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 (FRA:I5U) is currently considered Modestly Overvalued. The stock's GF Value™ is €157.69, compared to a current price of €180.00 — trading 14.1% above its estimated fair value. The current OCF Margin % is 6.66%, which is 47% below median its 10-year median of 12.47 and 38.6% below the Insurance industry median of 10.85. Intact Financial's overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Intact Financial (FRA:I5U), the current OCF Margin % is 6.66% 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 (FRA:I5U) Overvalued in 2026?
Based on GuruFocus' analysis, Intact Financial stock appears to be overvalued.
The current stock price of €180.00 is trading 14.1% above its estimated GF Value™ of €157.69.
GuruFocus considers Intact Financial to be Modestly Overvalued.
Key valuation signals for FRA:I5U:
OCF Margin %: 6.66% (47% below median its 10-year median of 12.47)
GF Value™: €157.69 vs. price of €180.00 (14.1% above fair value)
Industry Position: 38.6% below the Insurance median (#182 of 501)
No single metric tells the full story. See the FRA:I5U 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.
78GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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