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.
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.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Intact Financial's 3-Year RORE % for the quarter that ended in Mar. 2026 was 40.98%.
The industry rank for Intact Financial's 3-Year RORE % or its related term are showing as below:
TSX:IFC's 3-Year RORE % is ranked better than 81.06% of 470
companies
in the Insurance industry
Industry Median: 12.05
vs TSX:IFC: 40.98
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Intact Financial 3-Year RORE % Related Terms
Intact Financial 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Intact Financial's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Intact Financial's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Intact Financial's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Intact Financial (TSX:IFC) has a 3-Year RORE % of 40.98 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Intact Financial and its competitors. According to the industry distribution chart, Intact Financial ranks #89 out of 470 companies in the Insurance industry, placing it in the top 18.9%.
Is Intact Financial's 3-Year RORE % too high?
Intact Financial's current 3-Year RORE % is 40.98. The Insurance industry median 3-Year RORE % is 12.05. Intact Financial's value of 40.98 is 240.1% above this industry median. Based on the distribution chart, Intact Financial ranks #89 out of 470 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 88/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Intact Financial's 3-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, Intact Financial ranks #89 out of 470 companies for 3-Year RORE %. This places Intact Financial in the top 19% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 12.05. Intact Financial's value of 40.98 is 240.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 12.05, based on 470 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Intact Financial's current 3-Year RORE % of 40.98 is 240.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Intact Financial and its competitors. For the Insurance industry, the median 3-Year RORE % is 12.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intact Financial's current 3-Year RORE % is 40.98. 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$256.79, compared to a current price of C$294.02 — trading 14.5% above its estimated fair value. The current 3-Year RORE % is 40.98 and 240.1% above the Insurance industry median of 12.05. Intact Financial's overall GF Score™ is 88/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Intact Financial (TSX:IFC), the current 3-Year RORE % is 40.98 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 (TSX:IFC) Overvalued in 2026?
Based on GuruFocus' analysis, Intact Financial stock appears to be overvalued.
The current stock price of C$294.02 is trading 14.5% above its estimated GF Value™ of C$256.79.
GuruFocus considers Intact Financial to be Modestly Overvalued.
Key valuation signals for TSX:IFC:
3-Year RORE %: 40.98
GF Value™: C$256.79 vs. price of C$294.02 (14.5% above fair value)
Industry Position: 240.1% above the Insurance median (#89 of 470)
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 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.
88GF Score
Get the complete analysis for TSX:IFC
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TSX:IFC has been successfully added to your 
