Intact Financial Corporation (IFC) — Financial Flexibility Index

Latest as of June 2026: 0.03x

Intact Financial Corporation (IFC) has a Financial Flexibility Index of 0.03x as of June 2026. Free cash flow of CA$1.22 Billion (operating CF CA$1.08 Billion minus capex CA$138.00 Million) represents 0% of total liabilities (CA$42.56 Billion). Check IFC cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.03x
Free Cash Flow / Total Liabilities

Free Cash Flow

CA$1.22 Billion
Operating CF − Capex

Total Liabilities

CA$42.56 Billion
CAD

Capital Expenditures

CA$138.00 Million
CAD

Intact Financial Corporation Financial Flexibility Index (2003–2025)

Historical Financial Flexibility Index trend for Intact Financial Corporation across 23 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Intact Financial Corporation.

Annual Financial Flexibility Index for Intact Financial Corporation (2003–2025)

Year-by-year free cash flow to debt coverage for Intact Financial Corporation. Explore IFC operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (CAD) Operating CF Total Liabilities YoY Change
2025 0.12x CA$4.84 Billion CA$4.39 Billion CA$42.03 Billion ▲ +25.0%
2024 0.09x CA$3.82 Billion CA$3.39 Billion CA$41.38 Billion ▲ +58.1%
2023 0.06x CA$2.30 Billion CA$1.85 Billion CA$39.50 Billion ▼ -46.2%
2022 0.11x CA$4.08 Billion CA$3.67 Billion CA$37.61 Billion ▲ +19.8%
2021 0.09x CA$3.46 Billion CA$3.13 Billion CA$38.20 Billion ▼ -8.1%
2020 0.10x CA$2.52 Billion CA$2.35 Billion CA$25.54 Billion ▲ +64.8%
2019 0.06x CA$1.41 Billion CA$1.29 Billion CA$23.55 Billion ▲ +29.9%
2018 0.05x CA$950.00 Million CA$833.00 Million CA$20.65 Billion ▲ +7.1%
2017 0.04x CA$879.00 Million CA$781.00 Million CA$20.46 Billion ▼ -30.5%
2016 0.06x CA$1.04 Billion CA$925.00 Million CA$16.90 Billion ▼ -2.0%
2015 0.06x CA$978.00 Million CA$889.00 Million CA$15.51 Billion ▼ -36.8%
2014 0.10x CA$1.51 Billion CA$1.41 Billion CA$15.12 Billion ▲ +422.5%
2013 0.02x CA$283.00 Million CA$185.00 Million CA$14.82 Billion ▼ -64.2%
2012 0.05x CA$796.00 Million CA$723.00 Million CA$14.92 Billion ▲ +40.6%
2011 0.04x CA$585.00 Million CA$529.00 Million CA$15.41 Billion ▼ -14.3%
2010 0.04x CA$402.00 Million CA$360.00 Million CA$9.08 Billion ▼ -37.0%
2009 0.07x CA$588.60 Million CA$538.00 Million CA$8.37 Billion ▼ -25.0%
2008 0.09x CA$669.30 Million CA$619.70 Million CA$7.14 Billion ▲ +1.3%
2007 0.09x CA$667.70 Million CA$620.30 Million CA$7.22 Billion ▲ +36.5%
2006 0.07x CA$471.38 Million CA$430.94 Million CA$6.96 Billion ▼ -31.4%
2005 0.10x CA$694.59 Million CA$637.45 Million CA$7.03 Billion ▼ -46.6%
2004 0.18x CA$1.41 Billion CA$1.39 Billion CA$7.60 Billion ▲ +88.7%
2003 0.10x CA$580.03 Million CA$572.00 Million CA$5.92 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities