IFC.TO · Intrinsic value
Is Intact Financial Corporation (IFC.TO) overvalued or undervalued?
As of Oct 19, 2026, TickerWorth publishes a fair-value range of CA$711.31 – CA$711.31 for Intact Financial Corporation (IFC.TO), against the delayed market price of CA$254.92: priced below our range. It is a range, not a single number, so we do not call it over- or undervalued. It is a model estimate, and every input behind it is sourced below.
Model by Miraaj Patel · generated from market data · Updated Oct 19, 2026 · How these pages are made
What is IFC.TO worth?
- Fair-value range
- CA$711.31 – CA$711.31
- Market price
- CA$254.92
- Gap to fair value
- —
- Verdict
- Priced below our range
Reverse DCF: Today's price implies revenue growth of −6.8% a year for 5 years; our model assumes 3.8% a year on average over the same horizon.
What is IFC.TO's TickerWorth Score?
Middle of the pack — real strengths and real weaknesses
Compared with Financial Services companies in Canada
Its strongest point: looks cheap on the numbers. Its weakest: growth is slow or negative.
- Value · 89 of 100
Cheaper than 89% of Financial Services companies in Canada
- Price vs worth · 100 of 100
- Quality · 28 of 100
More profitable than 28% of Financial Services companies in Canada
- Financial health · 32 of 100
Financially stronger than 32% of Financial Services companies in Canada
- Growth · 3 of 100
Growing faster than 3% of Financial Services companies in Canada
- Momentum · 3 of 100
Outperformed 3% of Financial Services companies in Canada over the past year
Confidence: Medium confidence · Scored
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Why IFC.TO gets a range, not one number
At a recent price of C$252.66, Intact Financial Corporation (IFC.TO) sits below every lens we ran: our valuation lenses put the business somewhere between C$711.31 and C$711.31 per share. They disagree too widely for us to state a single fair value. We publish the range rather than a midpoint because a number that precise would claim more than the methods can support. This is an educational model, not a price target or a recommendation.
Read the full reasoning
The valuation discounts Intact Financial Corporation's projected free cash flows at a weighted-average cost of capital (WACC) of 6.9%, with a long-run terminal growth rate of 2.5%. About 82% of the enterprise value comes from the terminal value — the portion beyond the explicit forecast window — which is typical for a stable, cash-generative business and a reminder that small changes in the discount rate or terminal growth assumption swing the intrinsic value meaningfully.
Running the DCF in reverse — solving for the growth the current price already assumes — the market is implying roughly -6.8% annual revenue growth for IFC.TO. Our base case instead compounds to about 3.8% a year over the same forecast, so the market is pricing in slower growth than our base case. The reverse-DCF is a quick sanity check: it reframes 'is this stock cheap?' as 'do I believe the growth the price requires?' rather than arguing over a single point estimate of fair value.
Sensitivity matters more than any single number. Across a reasonable band of discount-rate assumptions, IFC.TO's modeled DCF value ranges from about C$271.82 to C$954.70 per share. If that range still sits below today's price, the market is optimistic relative to the model across the whole band; if it brackets the price, the stock is roughly fairly valued on our assumptions. Use the interactive slider to see exactly where your own cost-of-capital view lands.
How to read this page: the DCF fair value is what Intact Financial Corporation would be worth if its cash flows grow as modeled and are discounted at the stated WACC. The assumptions table shows every input and its source; the reverse-DCF shows what the market believes; the sensitivity band shows how fragile the answer is. None of this is investment advice — it is a transparent, auditable framework for forming your own view of IFC.TO's intrinsic value. Figures update as new filings and prices come in.
Every input behind IFC.TO's DCF
| Input | Value |
|---|---|
| Base-year revenueLive feed — totalRevenue (TTM) | C$26,586,000,000 |
| Base EBIT marginComputed — trailing operatingMargins, held roughly flat | 14.5% |
| Forecast revenue growthESTIMATEAssumption — TickerWorth's 5-year explicit forecast | 4% → 4% → 4% → 4% → 4% |
| Risk-free rateLive feed — US 10-year Treasury yield (^TNX) | 5.1% |
| BetaLive feed — yfinance, 5-year monthly beta vs the S&P 500 (clamped to 0.4–2.5) | 0.40 |
| Terminal growthESTIMATEAssumption — TickerWorth house default 2.5%, held below WACC | 2.5% |
| Diluted sharesLive feed — sharesOutstanding | 177M |
| Market priceLive feed — delayed quote · as of 2026-10-19T20:12:39+00:00 | C$252.66 |
Change IFC.TO's assumptions
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What does Intact Financial Corporation do?
What does it do?
Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. It offers insurance, such as personal auto that provides coverage from accidents, third-party liability, and physical damage; personal property which provides protection for homes and belongings from risks, including fire, theft, vandalism, water damages, other damages, and personal liability; and commercial line and specialty line insurance, including commercial auto, property, and liability coverages. It operates in the Insurance - Property & Casualty industry (Financial Services sector), headquartered in Canada. The company employs roughly 32,000 people.
How does it make money?
The business turns $26.6B in annual revenue into profit. Out of every $100 of sales, about $15 is left as operating profit (operating margin of 14.5%), after a 18% gross margin on the products/services it sells. After all costs, taxes and interest, 12.4% of revenue becomes bottom-line net profit.
Is it financially healthy?
Financially it looks mixed: carries modest debt (0.2× equity), may struggle to cover its short-term bills (0.3× current ratio), and is currently profitable.
IFC.TO insider trading
Insider filings are available for US-listed companies only.
Common questions
What is IFC.TO's intrinsic value?
TickerWorth's valuation lenses put Intact Financial Corporation (IFC.TO) between C$711.31 and C$711.31 per share, versus a market price of C$252.66. They disagree too widely for us to state a single fair value, so we publish the range.
Is IFC.TO overvalued or undervalued?
At C$252.66 the price sits below every lens we ran. We don't call IFC.TO overvalued or undervalued from a range this wide. This is an educational estimate, not advice.
What discount rate is used for IFC.TO?
A WACC of 6.9% and a terminal growth rate of 2.5%.
Is Intact Financial stock undervalued?
TickerWorth's fair-value range for Intact Financial Corporation (IFC.TO) is CA$711.31 – CA$711.31 against a market price of CA$254.92. Priced below our range. We publish a range here, not one number, so we do not call it over- or undervalued. This is a model estimate, not investment advice.
Intact Financial (IFC.TO) DCF valuation and fair value
Our fair-value range for Intact Financial Corporation (IFC.TO) is CA$711.31 – CA$711.31, built on a 6.9% discount rate (WACC) and 2.5% terminal growth. It blends our discounted-cash-flow model with other valuation lenses. Every assumption is listed on this page with its source.
What growth is priced into Intact Financial stock?
Today's price implies revenue growth of −6.8% a year for 5 years; our model assumes 3.8% a year on average over the same horizon. This is a reverse DCF: it holds our cash-flow model's other inputs and solves for the revenue growth that makes the model equal today's price of CA$254.92. A model estimate, not investment advice.
Intact Financial (IFC.TO) insider trading
We have no recent SEC Form 4 insider filings on file for Intact Financial Corporation (IFC.TO). Form 4 covers US-listed companies only.
Other ways into the coverage
Not investment advice. TickerWorth Score is a model output.
Educational tool. Every output reflects the assumptions shown — not a prediction and not investment advice. TickerWorth is not a licensed investment adviser, and these figures are estimates from public filings and market data that can be wrong.