Intact Financial Corporation · TSX:IFC
Intact Financial — Q3 2026 Earnings Presentation
14 slides from Intact Financial's earnings presentation, Nov 4, 2026
Slide 1: Q3-2026 Earnings call slides
Intact Financial Corporation (TSX: IFC) Q3-2026 Earnings call slides November 4, 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 Q3-2026 Earnings call slides
Slide 5: Q3-2026 key points & highlights
Q3-2026 key points & highlights 15.8% $3.63 NOIPS 1,2 included a $1.19 impact from higher-than-expected catastrophe losses, while distribution and investment income continued to contribute meaningfully OROE 1 10th consecutive quarter above 15%, $3.03 EPS 2 was driven by higher operating income in th
Slide 6: Q3-2026 Canadian results
Q3-2026 Canadian results Industry premium Combined ratio Operating DPW growth1 Combined ratio1 growth outlook2 guidance +10% 91.2% including unit growth of was strong, reflecting Industry growth in the Sub-95% PERSONAL 2% in hard market conditions continued focus on profitable mid-single-digits comb
Slide 7: Q3-2026 UK&I and US results
Q3-2026 UK&I and US results Operating DPW growth Industry premium Combined ratio Combined ratio1 (constant currency)1 growth outlook2 guidance 0% 94.1% driven by solid new business, reflecting solid underlying Industry growth in the Combined ratio evolving particularly in Specialty lines performance
Slide 8: Progress on our Strategic Roadmap in Q3-2026
Progress on our Strategic Roadmap in Q3-2026 Expand leadership Strengthen our leading Build a Global Specialty position in Canada position in UK & Ireland Lines Leader We enhanced the broker experience We are on track to deliver ~£70 million of We launched a strategic capacity through advanced autom
Slide 9: Ken Anderson, Chief Financial Officer
Ken Anderson Chief Financial Officer 9 Q3-2026 Earnings call slides
Slide 10: Strong third quarter results
Strong third quarter results Combined ratio1 +4.2 pts y-o-y Underlying Underlying current year loss ratio of 55.4% was solid, and was current year loss¹ the result of disciplined underwriting across all our regions. 33.9% 34.2% Catastrophe CAT loss ratio of 10.7% was above expectations, driven by st
Slide 11: Solid operating results
Solid operating results Net operating income Operating net investment attributable to common Underwriting income1 Distribution income1 income shareholders1 (20%) (38%) +5% +16% $422 $171 $797 $598 $402 $147 $641 $368 Q3-2025 Q3-2026 Q3-2025 Q3-2026 Q3-2025 Q3-2026 Q3-2025 Q3-2026 in C$ 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 $111.11 $3.6B 16.3% was broadly in line with last quarter as remained strong, reflecting solid capital driven by growth in shareholders’
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