Intact Financial Corporation · TSX:IFC
Intact Financial — Q2 2026 Earnings Presentation
14 slides from Intact Financial's earnings presentation, Jul 29, 2026
Slide 1: Q2-2026 Earnings call slides
Intact Financial Corporation (TSX: IFC) Q2-2026 Earnings call slides July 29, 2026
Slide 2: Forward-looking statements
Forward-looking statements Certain of the statements included in this presentation 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 statemen
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, Chief Executive Officer
Charles Brindamour Chief Executive Officer 4 Q2-2026 Earnings call slides
Slide 5: Q2-2026 key points & highlights
Q2-2026 key points & highlights 17.0% $3.17 NOIPS 1,2 included a $1.08 impact from elevated catastrophe and large losses, above our expectations. OROE 1 increased almost 1 point year-over- $3.90 EPS 2 reflected solid contributions from distribution and investment income, as well as non-operating gai
Slide 6: Q2-2026 Canadian results
Q2-2026 Canadian results Industry premium Combined ratio Operating DPW growth1 Combined ratio1 growth outlook2 guidance +9% 88.8% PERSONAL including unit growth of 1% in driven by our continued Industry growth in the Sub-95% AUTO hard market conditions underwriting discipline high-single-digits comb
Slide 7: Q2-2026 UK&I and US results
Q2-2026 UK&I and US results Operating DPW growth Industry premium Combined ratio Combined ratio1 (constant currency)1 growth outlook2 guidance (1%) 112.0% as solid new business and included a 15-point impact Industry growth in the retention were more than offset from catastrophe and large Combined r
Slide 8: Progress on our Strategic Roadmap in Q2-2026
Progress on our Strategic Roadmap in Q2-2026 Expand leadership Strengthen our leading Build a Global Specialty position in Canada position in UK & Ireland Lines Leader The ‘Keep it Intact’ prevention ecosystem is We advanced our UK digital distribution Intact Insurance Specialty Solutions driving pr
Slide 9: Ken Anderson, Chief Financial Officer
Ken Anderson Chief Financial Officer 9 Q2-2026 Earnings call slides
Slide 10: Solid results for Q2 2026
Solid results for Q2 2026 Combined ratio1 +8.8 pts y-o-y Underlying Underlying current year loss ratio of 59.1% was solid after excluding a 3-point impact from elevated large current year loss¹ losses. 34.9% 34.3% Catastrophe CAT loss ratio of 7.0% was 1 point above expectations and 5 points higher
Slide 11: Solid operating results
Solid operating results Net operating income Operating net investment attributable to common Underwriting income1 Distribution income1 income shareholders1 (40%) (61%) +1% +4% $935 $400 $405 $165 $172 $784 $561 $305 Q2-2025 Q2-2026 Q2-2025 Q2-2026 Q2-2025 Q2-2026 Q2-2025 Q2-2026 in C$ millions in C$
Slide 12: Balance sheet strength continues
Balance sheet strength continues Equity Capital position Capital Structure Book value per Total capital Adjusted debt-to-total capital share1,2 margin1,2 ratio1,2 $111.73 $3.8B 16.2% increased 13% year-over-year, driven by remained strong with solid capital driven by growth in shareholders’ equity,
Slide 13: Q&A
Q&A 13 Q&A
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