Intact Financial Corporation (IFC) — Defensive Interval Ratio

Latest as of June 2026: 2376 days

Intact Financial Corporation (IFC) has a Defensive Interval Ratio of 2376 days as of June 2026. Defensive assets of CA$23.25 Billion (cash CA$-, short-term investments CA$17.22 Billion, receivables CA$6.03 Billion) cover 2376 days of daily cash needs of CA$9.79 Million/day.

Defensive Interval Ratio

2376 days
Days of operational coverage

Defensive Assets

CA$23.25 Billion
Cash + ST Investments + Receivables

Daily Cash Need

CA$9.79 Million
Current Liabilities ÷ 365

Current Liabilities

CA$3.57 Billion
CAD

Intact Financial Corporation Defensive Interval Ratio (2003–2025)

This chart shows how Intact Financial Corporation's Defensive Interval Ratio has evolved across 20 annual periods from 2003 to 2025. As of June 2026, the ratio stands at 2376 days, meaning defensive assets of CA$23.25 Billion can fund 2376 days of operations without new revenue. For the complete balance sheet picture, see balance sheet size of Intact Financial Corporation.

Annual Defensive Interval Ratio for Intact Financial Corporation (2003–2025)

The table below presents the year-by-year Defensive Interval Ratio for Intact Financial Corporation from 2003 to 2025, covering 20 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See IFC net working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (CAD) Daily Cash Need Cash ST Investments Change (days)
2025 2130 days CA$24.62 Billion CA$11.56 Million/day CA$498.00 Million CA$17.85 Billion ▼ -1602 days
2024 3733 days CA$18.98 Billion CA$5.08 Million/day CA$264.00 Million CA$18.00 Billion ▲ +3423 days
2023 310 days CA$1.99 Billion CA$6.44 Million/day CA$- CA$1.38 Billion ▼ -105 days
2022 414 days CA$2.78 Billion CA$6.70 Million/day CA$410.00 Million CA$1.42 Billion ▲ +357 days
2021 58 days CA$3.42 Billion CA$59.21 Million/day CA$1.38 Billion CA$1.85 Billion ▼ -375 days
2020 432 days CA$15.68 Billion CA$36.25 Million/day CA$73.00 Million CA$11.26 Billion ▼ -5043 days
2019 5476 days CA$6.17 Billion CA$1.13 Million/day CA$667.00 Million CA$1.47 Billion ▲ +5307 days
2018 169 days CA$5.18 Billion CA$30.68 Million/day CA$237.00 Million CA$1.17 Billion ▼ -5 days
2017 174 days CA$5.14 Billion CA$29.61 Million/day CA$49.00 Million CA$1.41 Billion ▼ -20 days
2016 194 days CA$4.93 Billion CA$25.48 Million/day CA$1.00 Million CA$1.38 Billion ▲ +4 days
2015 190 days CA$4.48 Billion CA$23.57 Million/day CA$- CA$1.24 Billion ▲ +33 days
2014 157 days CA$4.34 Billion CA$27.65 Million/day CA$- CA$1.27 Billion ▼ -14 days
2013 171 days CA$4.68 Billion CA$27.37 Million/day CA$- CA$1.19 Billion ▼ -319423 days
2012 319594 days CA$4.38 Billion CA$13.70K/day CA$- CA$1.26 Billion ▲ +319442 days
2011 152 days CA$4.04 Billion CA$26.53 Million/day CA$- CA$1.28 Billion ▼ -16 days
2008 168 days CA$2.20 Billion CA$13.08 Million/day CA$- CA$261.30 Million ▼ -591 days
2006 759 days CA$1.70 Billion CA$2.24 Million/day CA$- CA$- ▲ +653 days
2005 106 days CA$1.57 Billion CA$14.86 Million/day CA$- CA$- ▼ -20 days
2004 126 days CA$1.92 Billion CA$15.27 Million/day CA$- CA$274.74 Million ▼ -1276 days
2003 1402 days CA$1.45 Billion CA$1.03 Million/day CA$- CA$- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)