Intact Financial Corporation (IFC) — Cash Flow-to-Debt Ratio
Intact Financial Corporation (IFC) has a Cash Flow-to-Debt Ratio of 0.03x as of June 2026, meaning its operating cash flow of CA$1.08 Billion could theoretically repay 0% of its total liabilities (CA$42.56 Billion) in one year. See Intact Financial Corporation (IFC) flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Intact Financial Corporation Cash Flow-to-Debt Ratio (2003–2025)
Historical debt coverage capacity for Intact Financial Corporation across 23 annual periods. For the full cash flow conversion analysis, see cash flow conversion of Intact Financial Corporation.
Annual Cash Flow-to-Debt Ratio for Intact Financial Corporation (2003–2025)
Year-by-year debt coverage analysis for Intact Financial Corporation. Check Intact Financial Corporation earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (CAD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.10x | CA$4.39 Billion | CA$42.03 Billion | ▲ +27.5% |
| 2024 | 0.08x | CA$3.39 Billion | CA$41.38 Billion | ▲ +75.2% |
| 2023 | 0.05x | CA$1.85 Billion | CA$39.50 Billion | ▼ -52.0% |
| 2022 | 0.10x | CA$3.67 Billion | CA$37.61 Billion | ▲ +19.0% |
| 2021 | 0.08x | CA$3.13 Billion | CA$38.20 Billion | ▼ -11.1% |
| 2020 | 0.09x | CA$2.35 Billion | CA$25.54 Billion | ▲ +68.1% |
| 2019 | 0.05x | CA$1.29 Billion | CA$23.55 Billion | ▲ +35.8% |
| 2018 | 0.04x | CA$833.00 Million | CA$20.65 Billion | ▲ +5.7% |
| 2017 | 0.04x | CA$781.00 Million | CA$20.46 Billion | ▼ -30.3% |
| 2016 | 0.05x | CA$925.00 Million | CA$16.90 Billion | ▼ -4.5% |
| 2015 | 0.06x | CA$889.00 Million | CA$15.51 Billion | ▼ -38.6% |
| 2014 | 0.09x | CA$1.41 Billion | CA$15.12 Billion | ▲ +647.9% |
| 2013 | 0.01x | CA$185.00 Million | CA$14.82 Billion | ▼ -74.2% |
| 2012 | 0.05x | CA$723.00 Million | CA$14.92 Billion | ▲ +41.2% |
| 2011 | 0.03x | CA$529.00 Million | CA$15.41 Billion | ▼ -13.4% |
| 2010 | 0.04x | CA$360.00 Million | CA$9.08 Billion | ▼ -38.3% |
| 2009 | 0.06x | CA$538.00 Million | CA$8.37 Billion | ▼ -25.9% |
| 2008 | 0.09x | CA$619.70 Million | CA$7.14 Billion | ▲ +1.0% |
| 2007 | 0.09x | CA$620.30 Million | CA$7.22 Billion | ▲ +38.7% |
| 2006 | 0.06x | CA$430.94 Million | CA$6.96 Billion | ▼ -31.6% |
| 2005 | 0.09x | CA$637.45 Million | CA$7.03 Billion | ▼ -50.5% |
| 2004 | 0.18x | CA$1.39 Billion | CA$7.60 Billion | ▲ +89.4% |
| 2003 | 0.10x | CA$572.00 Million | CA$5.92 Billion | — |