Intact Financial Corporation · TSX:IFC
Intact Financial — Q4 2024 Earnings Presentation
14 slides from Intact Financial's earnings presentation, Feb 12, 2025
Slide 1: Q4-2024 Review of Performance
Intact Financial Corporation (TSX: IFC) Q4-2024 Review of Performance February 12, 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 Q4-2024 Review of Performance
Slide 5: Q4-2024 key points & highlights
Q4-2024 key points & highlights $4.93 $3.58 NOIPS 1,2 up 23%, from robust underwriting performance coupled EPS 2 increased 29% year-over-year, aligned with increased 16.5% with strong growth in investment and distribution income operating income OROE 1 up 3 points from last year, demonstrating the +
Slide 6: Q4-2024 Canadian results
Q4-2024 Canadian results Industry premium Operating DPW growth1 Combined ratio1 Guidance growth outlook2 +12% 94.2% Growth in the Sub-95% combined driven by rate actions and was strong, reflecting a strong underlying low double-digits ratio PERSONAL AUTO unit growth of 3% results and in line with ex
Slide 7: Q4-2024 UK&I and US results
Q4-2024 UK&I and US results Operating DPW growth Industry premium Combined ratio1 Guidance (constant currency)1 growth outlook2 -3% 92.7% Growth in mid-single- Combined ratio digit level towards 90% in 2026 reflecting profitability actions taken within was strong, considering elevated the DLG portfo
Slide 8: Progress on our Strategic Roadmap
Progress on our Strategic Roadmap Expand our leadership position Strengthen our leading position in Build a Specialty Lines leader in Canada UK & Ireland • BrokerLink reached $4.3 billion of • RSA’s “One Commercial” program is a • Pricing governance tools and enhanced annual premiums, after closing
Slide 9: Louis Marcotte
Louis Marcotte Executive Vice President & Chief Financial Officer 9 Q4-2024 Review of Performance
Slide 10: Excellent quarter with a combined ratio of 86.5%
Excellent quarter with a combined ratio of 86.5% Combined ratio1 -3.6% Underlying current Strong underlying loss ratio of 56.4%, a 2-point improvement from last year, accident year claims1 driven by strong performance across all regions and lines of business 90.1% 86.5% Catastrophe loss ratio of 2.3
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 24% 48% 6% 13% 398 123 881 713 764 517 376 109 Q4-23 Q4-24 Q4-23 Q4-24 Q4-23 Q4-24 Q4-23 Q4-24 in millions of C
Slide 12: Strong and resilient balance sheet
Strong and resilient balance sheet Capital position Capital Structure Managing volatility Total capital margin1,2 Adjusted debt-to-total capital ratio1,2 Book value per share1,2 $2.9B 19.4% $92.67 up $0.2 billion from last year and up $0.3 billion as strong capital generation in the quarter allowed
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