Definity Financial stock | 2026 price target, earnings & valuation

Definity Financial

TSX:DFY

C$ 75,94

+ C$0,55 (0,73%)

75,94 C$

+C$0,55 (0,73%)

End-of-day quote: 12/18/2025

Definity Financial Stock Value

Currently, analysts rate TSX:DFY as Hold.

Hold

Definity Financial Company Info

EPS Growth 5Y

22,24%

Market Cap

C$9,11 B

Long-Term Debt

C$0,11 B

Short Interest

0,00%

Annual earnings

02/13/2026

Dividend

C$0,75

Dividend Yield

0,99%

Founded

1871

Industry

Financials

Country

Canada

ISIN Number

CA24477T1003

Website

http://www.definityfinancial.com

Analyst Price Target

C$76,50

0.74%

Last Update: 12/19/2025

Analysts: 10

Highest Price Target C$93,00

Average Price Target C$76,50

Lowest Price Target C$73,00

In the last five quarters, Definity Financial’s Price Target has risen from C$30,79 to C$49,23 - a 59,89% increase. Ten analysts predict that Definity Financial’s share price will increase in the coming year, reaching C$76,50. This would represent an increase of 0,74%.

Top growth stocks in the financials sector (5Y.)

What does Definity Financial do?

Definity Financial Corporation operates within the property and casualty insurance sector, offering a wide range of insurance products and services primarily aimed at individuals and businesses across Canada. Business Segments The company strategically divides its operations into several key business segments to effectively manage and oversee its diverse offerings. The company's core segments include Personal Insurance, Commercial Insurance, and Distribution services. Personal Insurance This...

Business Segments

The company strategically divides its operations into several key business segments to effectively manage and oversee its diverse offerings. The company's core segments include Personal Insurance, Commercial Insurance, and Distribution services.

Personal Insurance

This segment includes the company focuses on delivering products that cover personal auto, home, and property insurance. This segment has witnessed significant growth, particularly with the introduction of innovative direct-to-consumer brands like Sonnet and Vyne, which simplify the purchasing process for consumers through online platforms. As a result, personal insurance has shown sustained growth, contributing positively to overall company performance.

Commercial Insurance

This segment serves businesses of all sizes, from small enterprises to larger corporate entities. This segment encompasses various products, including liability, property, and specialty insurance. The company differentiates itself in this market by offering customized solutions designed to meet the unique risks associated with different types of businesses this tailored approach allows the company to capture a broader customer base while fostering strong relationships with clients.

Distribution Services

This segment focuses on the sale of insurance policies through a network of brokers and agents. The company works closely with independent brokers to ensure that its products are effectively marketed and distributed, enhancing market penetration and brand visibility. This segment has proven to be lucrative, as brokers often serve as trusted advisors to customers, making them crucial in the company's growth strategy.

Additionally, the company's emphasis on technology and digital solutions spans all business segments, facilitating a seamless customer experience and operational efficiencies. This directs the corporation toward modernization, enabling it to address changing consumer behaviors and preferences effectively.

Strategy

The company adopts a multifaceted business strategy aimed at optimizing operations, enhancing customer experience, and achieving sustainable growth. By prioritizing innovation, the corporation remains competitive in a rapidly evolving insurance landscape. The company's strategy is built on several pillars:

Customer-Centric Approach: The company places significant emphasis on understanding and catering to the diverse needs of its customers. By leveraging advanced data analytics and customer insights, the company is able to tailor products and services that resonate with specific customer demographics.

Digital Transformation: The integration of technology is paramount in the company's strategy, enabling it to streamline operations, improve service delivery, and enhance risk management capabilities. The adoption of digital platforms, particularly in the Personal Insurance segment, allows customers to obtain quotes and manage policies efficiently.

Strategic Partnerships: The company actively seeks partnerships with external brokers, technology providers, and other stakeholders to expand its service offerings and reach new customer segments. Collaborations that enhance product offerings or distribution capabilities are highly valued.

Sustainability and Community Engagement: The company is committed to corporate social responsibility, recognizing the importance of environmental, social, and governance (ESG) considerations. By prioritizing sustainable practices and actively engaging with communities, the company aims to strengthen its brand reputation and build long-term trust with stakeholders.

By implementing this comprehensive strategy, the company positions itself to achieve long-lasting growth and adaptability in an ever-changing market.

Products and Services

The company provides an extensive range of products and services tailored to meet the insurance needs of individuals, families, and businesses.

In the Personal Insurance category, the company offers:

Auto Insurance: Comprehensive policies that cover liabilities, damage, and injury while driving, designed for a variety of customer needs.

Home Insurance: Customized homeowners policies that protect against property damage and liability claims, with options for additional coverage.

Personal Property Insurance: Coverage that safeguards personal belongings, such as valuables and collectibles, against theft or damage.

The Commercial Insurance offerings include:

Business Liability: Insurance solutions that protect businesses from claims resulting from injuries or damages to third parties.

Commercial Property Insurance: Provides coverage for property owned by businesses, protecting against risks like fire, theft, and natural disasters.

Specialty Insurance: Tailored coverage for niche markets and industries, addressing unique risks that may not be covered under standard policies.

To facilitate effective distribution of products, the company also invests in the Distribution Services segment which includes training and support for brokers and agents, providing them with up-to-date information on product offerings and customer service best practices. The goal is to empower partners to serve their clients effectively, hence enhancing customer experiences and fostering loyalty.

Geographical Markets Served

The company mainly operates within Canada, focusing its services and products on individuals and businesses across the country. As a dominant player in the Canadian insurance market, the corporation leverages its comprehensive understanding of local customer needs, regulatory frameworks, and market dynamics to provide relevant and effective insurance solutions.

The company continuously explores opportunities to expand its geographical footprint through strategic partnerships and potential acquisitions while maintaining a strong presence in the core Canadian markets.

Seasonality

The company's business experiences moderate seasonality influenced primarily by weather patterns and market demand. The demand for certain types of insurance, specifically property and auto insurance, may fluctuate seasonally due to changing consumer behaviors influenced by seasonal events like winter storms or summer activities.

Additionally, underwriting processes and claims may also experience peaks during certain seasons, impacting operational focus and resource allocation. The company actively monitors these seasonal trends to optimize its offerings and ensure resources are aligned with customer needs throughout the year.

Customers

The company serves a broad customer base that includes individuals, families, and businesses across Canada. The company targets various categories, including:

Individuals seeking personal auto and home insurance solutions.

Small to Medium Enterprises (SMEs) looking for tailored commercial insurance policies.

Large Corporations in need of specialized insurance offerings to mitigate unique risks.

Trade Names

The company operates under several trade names that include well-known brands such as Sonnet and Vyne, which are recognized for their innovative insurance solutions and customer-friendly online experiences.

Sales and Marketing

The company employs a multi-channel marketing strategy to promote its products and services. The company uses a combination of digital marketing, direct outreach, partnerships with brokers, and traditional advertising methods.

The integration of technology in sales processes has enabled the company to enhance customer engagement and streamline policy purchases. Online platforms allow customers to easily compare products, obtain quotes, and manage their insurance needs conveniently.

The distribution of products predominantly occurs through a network of independent brokers, ensuring that customers receive tailored advice and support in selecting insurance policies that best suit their requirements.

History

The company was founded in 1871. The company was incorporated in 2021. The company was formerly known as Economical Holdings Corporation and changed its name to Definity Financial Corporation in 2021.

Definity Financial Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Revenue distribution by industry: Insurance: 100% (2025) TOP 3 markets and their percentage shares: Canada: 85% USA: 10% International: 5% Definity Financial Corporation generates all its revenues from the insurance sector. The main market is Canada, where the company generates the majority of i...

At which locations are the company’s products manufactured?

Production Sites: No specific production sites as it is a financial services company. Definity Financial Corporation is a financial services company mainly operating in the insurance sector. As it does not manufacture physical products, there are no production sites in the traditional sense. The com...

What strategy does Definity Financial pursue for future growth?

Revenue Growth: Estimated 8-10% annually (2025) Definity Financial Corporation pursues a growth strategy based on several core areas. Firstly, the company focuses on digitizing its services to enhance customer experience and create more efficient processes. This includes investments in technology an...

Which raw materials are imported and from which countries?

Commodities/Materials: No specific commodities/materials Definity Financial Corporation is a financial services company and not a production or manufacturing firm. Therefore, it does not import physical commodities or materials as is common in the manufacturing industry. The company focuses on finan...

How strong is the company’s competitive advantage?

Market Share: 8.5% (2024, estimated) Return on Equity (ROE): 10.2% (2024) Combined Ratio: 95.1% (2024) Definity Financial Corporation has a moderate competitive advantage in the Canadian insurance market. The market share of 8.5% indicates that the company has a significant presence, but does not be...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: 45% (estimated for 2025) Insider Buys/Sells: No significant transactions in the last 12 months (as of 2025) The institutional investor share in Definity Financial Corporation is estimated to be around 45%. This indicates a moderate interest from institutional investors...

What percentage market share does Definity Financial have?

Market share of Definity Financial Corporation: 4.5% (2025, estimated) Top competitors and their market shares: Intact Financial Corporation: 17.2% Aviva Canada: 12.8% The Co-operators Group Limited: 9.5% Desjardins General Insurance Group: 8.7% RSA Canada (part of Intact): 7.3% Economical Insuranc...

Is Definity Financial stock currently a good investment?

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity (ROE): 14.8% (2024) Debt-to-Equity Ratio: 0.35 (2024) Definity Financial Corporation recorded solid revenue growth of 8.5% in 2024, indicating effective business expansion and a strong market position. The profit growth of 10.2...

Does Definity Financial pay a dividend – and how reliable is the payout?

Dividend Yield: 2.5% (estimated for 2025) Dividend History: Regular payouts since 2022 Definity Financial Corporation has started distributing dividends regularly in recent years. The estimated dividend yield for 2025 is around 2.5%, indicating a moderate payout policy. The reliability of dividend p...

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Definity Financial Stock Value

Definity Financial Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Definity Financial do?

Definity Financial Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal