Intact Financial Corporation · TSX:IFC
Intact Financial — Q1 2025 Earnings Presentation
14 slides from Intact Financial's earnings presentation, May 7, 2025
Slide 1: Q1-2025 Review of Performance
Intact Financial Corporation (TSX: IFC) Q1-2025 Review of Performance May 7, 2025
Slide 2: Forward-looking statements
Forward-looking statements Certain of the statements included in this MD&A about the Company’s current and future plans, expectations and intentions, results, levels of activity, performance, goals or achievements or any other future events or developments constitute forward-looking statements. The
Slide 3: Disclaimer
Disclaimer This presentation does not constitute or form part of any offer for sale or solicitation of any offer to buy or subscribe for any securities nor shall it or any part of it form the basis of or be relied on in connection with, or act as any inducement to enter into, any contract or commitm
Slide 4: Charles Brindamour
Charles Brindamour Chief Executive Officer 4 Q1-2025 Review of Performance
Slide 5: Q1-2025 key points & highlights
Q1-2025 key points & highlights $4.01 $3.69 NOIPS 1,2 up 10% year-over-year, with strong contributions across EPS 2 was solid, driven by strong operating income and non- 16.5% the business significant non-operating losses overall OROE 1 over the last 12 months, despite a few points drag +3% 91.3% fr
Slide 6: Q1-2025 Canadian results
Q1-2025 Canadian results Industry premium Operating DPW growth1 Combined ratio1 Guidance growth outlook2 +11% 97.5% Growth in the Sub-95% combined driven by rate actions and included a 4-point impact from severe low double-digits ratio PERSONAL AUTO 2% unit growth winter conditions, higher than seas
Slide 7: Q1-2025 UK&I and US results
Q1-2025 UK&I and US results Operating DPW growth Industry premium Combined ratio1 Guidance (constant currency)1 growth outlook2 -4% 97.6% Growth in the mid- Evolve combined ratio as we continued to take remediation single-digit level towards 90% in 2026 included elevated weather-related actions in t
Slide 8: Progress on our Strategic Roadmap
Progress on our Strategic Roadmap Expand leadership Strengthen our leading position in Build a Specialty Lines Leader position in Canada UK & Ireland • BrokerLink had its first acquisition • We will rebrand RSA Insurance to • GSL boosted its global Crime in British Columbia, 1 of 8 Intact Insurance
Slide 9: Ken Anderson
Ken Anderson Chief Financial Officer 9 Q1-2025 Review of Performance
Slide 10: Starting 2025 on strong footing
Starting 2025 on strong footing Combined ratio1 +0.1% Underlying current Underlying current year loss ratio of 60.3%, driven by year-over-year year loss ratio1 improvements in Commercial lines in Canada and in the US. 91.3% 91.2% 33.5% 34.4% Catastrophe Catastrophe loss ratio of 4.4%, higher than la
Slide 11: Robust underwriting, investment and distribution results
Robust underwriting, investment and distribution results Net operating income attributable to Underwriting income1 Operating net investment income Distribution income1 common shareholders1 11% 6% 9% 17% $485 $415 $117 $717 $459 $647 $380 $100 Q1-24 Q1-25 Q1-24 Q1-25 Q1-24 Q1-25 Q1-24 Q1-25 in millio
Slide 12: Maintaining a strong financial position
Maintaining a strong financial position Capital position Capital Structure Equity Total capital margin1,2 Adjusted debt-to-total capital ratio1,2 Book value per share1,2 $3.1B 19.1% $96.16 up $0.2 billion from last quarter, mainly due to below our target and lower than last quarter increased 13% yea
Slide 13: Q&A
Q&A 13
Slide 14: Contact us
Contact us Investor Inquiries Intact Financial Corporation 700 University Avenue Toronto, ON M5G 0A1 ir@intact.net www.intactfc.com Investor Relations Geoff Kwan Deputy SVP, Finance and Chief Investor Relations Officer 1-866-440-8300 ext. 20022 ir@intact.net Media Inquiries Caroline Audet Manager, M