Intact Financial Corporation · TSX:IFC
Intact Financial — Q3 2025 Earnings Presentation
14 slides from Intact Financial's earnings presentation, Nov 5, 2025
Slide 1: Q3-2025 Review of Performance
Intact Financial Corporation (TSX: IFC) Q3-2025 Review of Performance September 30, 2025
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 Q3-2025 Review of Performance
Slide 5: Q3-2025 key points & highlights
Q3-2025 key points & highlights $4.46 $4.73 NOIPS 1,2 $3.45 higher than last year, driven by robust EPS 2 increased year-over-year, driven by strong operating 19.6% underwriting, investment and distribution income income and improved non-operating results OROE 1 increased 4 points from last year dri
Slide 6: Q3-2025 Canadian results
Q3-2025 Canadian results Industry premium Operating DPW growth1 Combined ratio1 Guidance growth outlook2 +11% 91.5% Sub-95% combined reflecting 3% growth in units was strong, driven by the benefits of our Growth in the PERSONAL AUTO pricing and risk selection high-single-digits ratio +10% 92.4% refl
Slide 7: Q3-2025 UK&I and US results
Q3-2025 UK&I and US results Operating DPW growth Industry premium Combined ratio1 Guidance (constant currency)1 growth outlook2 -5% 95.5% Growth in the low-to- Evolve combined ratio reflecting remediation actions in the DLG driven by healthy underlying performance portfolio and strategic exits and m
Slide 8: Progress on our Strategic Roadmap
Progress on our Strategic Roadmap Expand leadership Strengthen our leading position Build a Global Specialty position in Canada in UK & Ireland Lines Leader • BrokerLink reached its 2025 goal of • We have now officially rebranded • GSL expanded its Life Sciences $5 billion in annual operating DPW, R
Slide 9: Ken Anderson, Chief Financial Officer
Ken Anderson Chief Financial Officer 9 Q3-2025 Review of Performance
Slide 10: Delivering another strong quarter
Delivering another strong quarter Combined ratio1 (14.1)% 103.9% Underlying current Strong underlying current year loss ratio of 54.0%, improving 1 point year-over- 89.8% year loss1 year, reflecting solid performances across all geographies. 32.5% 34.2% Catastrophe Catastrophe loss ratio of 6.8% pri
Slide 11: Robust operating results
Robust operating results Net operating income attributable to Underwriting income1 Operating net investment income Distribution income1 common shareholders1 338% nm 2% 11% $ 402 $ 147 $ 797 $ 598 $ 394 $ (215) $ 132 $ 182 Q3-24 Q3-25 Q3-24 Q3-25 Q3-24 Q3-25 Q3-24 Q3-25 in millions of Canadian dollar
Slide 12: Maintaining a strong financial position
Maintaining a strong financial position Equity Capital position Capital Structure Book value per share1,2 Total capital margin1,2 Adjusted debt-to-total capital ratio1,2 $103.16 $3.3B 17.9% increased 14% year-over-year and 5% quarter-over- increased from last quarter, driven by strong decreased from
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