Insurance industry: 75%
Reinsurance industry: 15%
Asset management industry: 10%

Canada: 60%
USA: 25%
Europe: 15%

Intact Financial Corporation generates the majority of its revenues from the insurance industry, particularly through property and casualty insurance. The reinsurance and asset management industries also contribute significantly to the income, but to a lesser extent.

Geographically, Canada is the primary market for Intact Financial, followed by the USA and Europe. These markets provide a stable foundation for the company to offer its services and further expand.

Production Sites: Canada, USA, United Kingdom

Intact Financial Corporation is mainly active in the insurance sector and does not produce physical products. The company offers insurance services that are provided in Canada, the USA, and the United Kingdom. Their services include property and casualty insurance, which are offered through a network of branches and partners in these countries.

Revenue growth: 10% (2024) Profit growth: 8% (2024)

Intact Financial Corporation pursues a growth strategy based on acquisitions and expanding into international markets. In recent years, the company has made several strategic acquisitions to strengthen its market presence and tap into new business areas.

Another focus is on digitization and improving customer experience. Intact is investing in technologies to create more efficient processes and offer innovative insurance products that meet the changing needs of customers.

Additionally, the company is committed to sustainability and ESG initiatives to remain competitive in the long term and tap into new customer segments. This strategy is intended not only to promote growth but also to strengthen the company's resilience in a changing market environment.

Raw materials/materials: No specific raw materials

Main importing countries: Not applicable

Intact Financial Corporation is a leading insurance company in Canada and is not directly involved in the production or trading of raw materials or materials. As a financial services provider, the company does not import physical raw materials or materials. Instead, Intact Financial focuses on insurance products and services that do not require physical imports.

However, the company may indirectly be connected to raw material industries through investments or insurance products. However, this information is more relevant at the level of investment strategies and risk management.

Market share in Canada: 17% (2024)
Combined Ratio: 92.5% (2024)
Return on Equity (ROE): 14.8% (2024)

Intact Financial Corporation is the largest provider of property and casualty insurance in Canada, which represents a significant competitive advantage. The market share of 17% demonstrates the strong presence and trust of customers in the company.

The company has a solid combined ratio of 92.5%, indicating an efficient cost structure and effective risk management. A combined ratio below 100% means that the company is profitable from its insurance activities.

The return on equity of 14.8% is another indicator of the company's strong financial performance. This metric shows that Intact Financial is able to effectively utilize invested capital to generate profits.

Overall, Intact Financial benefits from its market leadership, efficient operational performance, and strong return on equity, providing the company with a sustainable competitive advantage.

Institutional investor share: approx. 70% (estimated for 2025)
Insider purchases/sales: No significant transactions in the last quarter (2025)

The institutional investor share in Intact Financial Corporation typically stands at around 70%, indicating a high level of trust from institutional investors in the company. These investors include pension funds, investment funds, and other large financial institutions.

There were no significant insider transactions in the last quarter of 2025, suggesting that the management and other insiders are not currently making significant changes to their stake in the company. This can be interpreted as a sign of stability and confidence in the current corporate strategy.

Market share of Intact Financial Corporation: 17% (2025, estimated)

Top competitors and their market shares:

1. Intact Financial Corporation: 17%
2. Aviva Canada: 14%
3. Desjardins General Insurance Group: 12%
4. The Co-operators Group Limited: 10%
5. RSA Canada: 9%
6. Wawanesa Mutual Insurance Company: 8%
7. Economical Insurance: 7%
8. Allstate Insurance Company of Canada: 6%
9. Travelers Canada: 5%
10. Gore Mutual Insurance Company: 4%

Moat of Intact Financial Corporation:

Intact Financial Corporation possesses a significant moat, characterized by several factors:

1. Market leadership: As the largest provider of property and casualty insurance in Canada, Intact benefits from economies of scale, enabling cost reduction and competitive pricing.

2. Wide product portfolio: Intact offers a broad range of insurance products covering both personal and commercial customers. This diversifies risk and stabilizes revenue.

3. Strong brand recognition: The Intact brand is well-established in Canada, strengthening customer trust and increasing customer loyalty.

Compared to competitors, Intact Financial Corporation has a clear advantage due to its market size and efficiency. While Aviva Canada and Desjardins also have strong market positions, they lack the same breadth in product offerings and scaling as Intact.

In conclusion, Intact Financial Corporation has a significant moat supported by market leadership, product diversification, and brand strength. While competitors also have their strengths, Intact remains leading in the overall factors.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 12.5% (2024) Dividend Growth: 6.0% (2024)

Intact Financial Corporation recorded solid revenue growth of 8.5% and profit growth of 10.2% in 2024. This indicates strong operational performance supported by efficient cost control and successful integration of acquisitions.

The return on equity of 12.5% shows that the company is able to effectively utilize its equity base to generate profits. This is a positive signal for investors focusing on sustainable profitability.

The dividend growth of 6.0% in 2024 demonstrates Intact Financial Corporation's commitment to continuously returning value to shareholders. This could be attractive to investors who value stable and growing dividend payments.

Overall, the financial performance of the company suggests that it is a stable and growth-oriented investment. However, potential investors should also consider general market conditions and specific risks in the insurance sector before making an investment decision.

Dividend yield: 2.3% (2025)
Payout ratio: 35% (2025)

Intact Financial Corporation regularly pays a dividend, and the current dividend yield is 2.3%. The payout ratio of 35% indicates that the company only distributes a moderate portion of its profits as dividends, pointing to a sustainable dividend policy.

The reliability of dividend payment is supported by the stable financial performance and conservative management of the company. In the past, Intact Financial has demonstrated a consistent dividend history, creating confidence in future payouts.