Intact Financial Corporation · TSX:IFC
Intact Financial — Q4 2025 Earnings Presentation
14 slides from Intact Financial's earnings presentation, Feb 11, 2026
Slide 1: Intact Financial Corporation Q4-2025 Earnings call slides
Intact Financial Corporation (TSX: IFC) Q4-2025 Earnings call slides February 11, 2026
Slide 2: Forward-looking statements
Forward-looking statements Certain of the statements 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 statements. The w
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 Q4-2025 Earnings call slides
Slide 5: Ending 2025 with strong Q4 results
Ending 2025 with strong Q4 results $5.50 NOIPS 1,2 12% higher than last year, driven by strong underwriting performance 19.5% OROE 1 increased 3 points year-over-year EPS 2 $5.24 driven by strong and improving margins, increased 46%, reflecting higher operating income and lower non- as well as lower
Slide 6: Q4-2025 Canadian results
Q4-2025 Canadian results Industry premium Operating DPW growth1 Combined ratio1 Guidance growth outlook2 +9% 94.2 % Industry growth in the high-single-digits Sub-95% combined ratio supported by continued driven by our continued PERSONAL underwriting discipline despite AUTO strength in unit growth of
Slide 7: Q4-2025 UK&I and US results
Q4-2025 UK&I and US results Operating DPW growth Industry premium Combined ratio1 Guidance (constant currency)1 growth outlook2 (2)% 93.5% Industry growth in the low to mid single- Combined ratio evolving towards due to continued remediation as improvements in DLG’s digits 90% and competition in lar
Slide 8: Progress on our Strategic Roadmap
Progress on our Strategic Roadmap Expand leadership Strengthen our leading Build a Global Specialty position in Canada position in UK & Ireland Lines Leader • Intact Insurance launched its first 3 • GSL expanded its use of advanced • BrokerLink continued to build scale in pricing models with 43% of
Slide 9: Ken Anderson, Chief Financial Officer
Ken Anderson Chief Financial Officer 9 Q4-2025 Earnings call slides
Slide 10: Ending the year with a strong quarter in underwriting
Ending the year with a strong quarter in Combined ratio 1 underwriting (0.6)% Strong underlying current year loss ratio of 55.9%, Underlying with improvements across the business, particularly in 86.5% 85.9% current year loss1 North America which improved by 1.4 points. 33.6% 34.4% Catastrophe loss
Slide 11: Robust operating results
Robust operating results Net operating income Operating net investment attributable to common Underwriting income1 Distribution income1 income shareholders1 +11% +11% +4% (5)% $850 $ 398 $ 415 $ 979 $764 $123 $117 $ 881 Q4-24 Q4-25 Q4-24 Q4-25 Q4-24 Q4-25 Q4-24 Q4-25 in millions of Canadian dollars
Slide 12: Balance sheet remains strong
Balance sheet remains strong Equity Capital position Capital Structure Book value per Total capital Adjusted debt-to-total capital share1,2 margin1,2 ratio1,2 $107.35 $3.7B 16.5% increased 16% year-over-year and increased from last quarter, driven decreased from last quarter, driven by 4% sequential
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