Intact Financial (TSX:IFC) GF Value Rank: 7 (As of Jul. 28, 2026) — 17% Above Median

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TSX:IFC Intact Financial Corp TSX:IFC
91 GF Score
Price C$298.13
GF Value C$256.17
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Intact Financial GF Value Rank?

Intact Financial TSX:IFC +1.59% 91 GF Value Rank is 7 as of Jul. 28, 2026, which is 17% above its 10-year median of 6.00. GuruFocus rates TSX:IFC with a GF Score™ of 91/100 and a GF Value™ of C$256.17 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Intact Financial has the GF Value Rank of 7.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Intact Financial GF Value Rank Related Terms

TSX:IFC vs CB, PGR, TRV: GF Value Rank Comparison

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

For the Insurance industry and Financial Services sector, Intact Financial's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Intact Financial's GF Value Rank falls into.


TSX:IFC
91GF Score
Intact Financial Corp TSX:IFC
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 7 mean?
Intact Financial (TSX:IFC) has a GF Value Rank of 7 as of Jul. 28, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Intact Financial and its competitors. This is 17% above median its historical median of 6.00. Over the past decade, Intact Financial's GF Value Rank has ranged from 3.00 to 10.00.
Is Intact Financial's GF Value Rank too high?
Intact Financial's current GF Value Rank of 7 is 17% above median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 10.00. Overall, Intact Financial has a GF Score™ of 91/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intact Financial's GF Value Rank compare to CB and PGR?
Intact Financial's GF Value Rank of 7 can be compared against companies in the Insurance industry. Historically, Intact Financial's own GF Value Rank has ranged from 3.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for an Insurance company?
A good GF Value Rank depends on the Insurance industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Intact Financial and its competitors. Intact Financial's current GF Value Rank is 7, which is 17% above median its own 10-year median of 6.00. 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 (TSX:IFC) is currently considered Modestly Overvalued. The stock's GF Value™ is C$256.17, compared to a current price of C$298.13 — trading 16.4% above its estimated fair value. The current GF Value Rank is 7, which is 17% above median its 10-year median of 6.00. Intact Financial's overall GF Score™ is 91/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Intact Financial (TSX:IFC), the current GF Value Rank is 7 as of Jul. 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 (TSX:IFC) Overvalued in 2026?

Based on GuruFocus' analysis, Intact Financial stock appears to be overvalued. The current stock price of C$298.13 is trading 16.4% above its estimated GF Value™ of C$256.17. GuruFocus considers Intact Financial to be Modestly Overvalued.

Key valuation signals for TSX:IFC:

  • GF Value Rank: 7 (17% above median its 10-year median of 6.00)
  • GF Value™: C$256.17 vs. price of C$298.13 (16.4% above fair value)
  • GF Score™: 91/100 with 3 warning signs

No single metric tells the full story. See the TSX:IFC 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.
91GF Score

Get the complete analysis for TSX:IFC

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

C$298.13
Price
C$256.17
GF Value