Intact FinancialMEX:IFCN 83 Pretax Margin % is 15.02% as of Mar. 2026, which is 43% above its 10-year median of 10.49. 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 66.4% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Intact Financial Pretax Margin % Related Terms
Intact Financial Pretax Margin % Historical Data
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The historical data trend for Intact Financial's Pretax 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.
MEX:IFCN vs CB, PGR, TRV: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, Intact Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Intact Financial's Pretax 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 Pretax Margin % of 15.02% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Intact Financial and its competitors. This is 43% above median its historical median of 10.49. Over the past decade, Intact Financial's Pretax Margin % has ranged from 7.34 to 16.95. According to the industry distribution chart, Intact Financial ranks #170 out of 506 companies in the Insurance industry, placing it in the top 33.6%.
Is Intact Financial's Pretax Margin % too high?
Intact Financial's current Pretax Margin % of 15.02% is 43% above median its 10-year median of 10.49. Over the past 10 years, this metric has ranged from a low of 7.34 to a high of 16.95. The Insurance industry median Pretax Margin % is 12.02. Intact Financial's value of 15.02% is 25% above this industry median. Based on the distribution chart, Intact Financial ranks #170 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 Pretax Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #170 out of 506 companies for Pretax Margin %. This puts Intact Financial in the upper half of its industry. The industry median Pretax Margin % is 12.02. Intact Financial's value of 15.02% is 25% above this benchmark. Historically, Intact Financial's own Pretax Margin % has ranged from 7.34 to 16.95 over the past decade. While the company's 10-year median is 10.49 vs. the industry median of 12.02, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.02, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current Pretax Margin % of 15.02% is 25% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Intact Financial and its competitors. For the Insurance industry, the median Pretax Margin % is 12.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current Pretax Margin % is 15.02%, which is 43% above median its own 10-year median of 10.49. 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 Pretax Margin % of 15.02%. 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 Pretax Margin % is 15.02%, which is 43% above median its 10-year median of 10.49 and 25% above the Insurance industry median of 12.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Intact Financial (MEX:IFCN), the current Pretax Margin % is 15.02% 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:
Pretax Margin %: 15.02% (43% above median its 10-year median of 10.49)
GF Value™: MXN2,530.23 vs. price of MXN2,862.01 (13.1% above fair value)
Industry Position: 25% above the Insurance median (#170 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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