Intact Financial Corporation · TSX:IFC
Intact Financial — Q1 2026 Earnings Presentation
14 slides from Intact Financial's earnings presentation, May 6, 2026
Slide 1: Q1-2026 Earnings call slides
Intact Financial Corporation (TSX: IFC) Q1-2026 Earnings call slides May 6, 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 Q1-2026 Earnings call slides
Slide 5: Starting 2026 with strong results
Starting 2026 with strong results 8% higher than last year, driven by growth in both investment and 19.4% $4.33 NOIPS 1,2 underwriting income, our highest ever for a Q1. OROE 1 increased 3 points year-over-year, 12% increase year-over-year, reflecting higher operating income and $4.12 EPS 2 lower no
Slide 6: Q1-2026 Canadian results
Q1-2026 Canadian results Industry premium Combined ratio Operating DPW growth1 Combined ratio1 growth outlook2 guidance +9% 94.4 % including unit growth of 1% in improved 3 points year-over- PERSONAL Industry growth in the Sub-95% hard market conditions year, highlighting our continued AUTO high-sin
Slide 7: Q1-2026 UK&I and US results
Q1-2026 UK&I and US results Operating DPW growth Industry premium Combined ratio Combined ratio1 (constant currency)1 growth outlook2 guidance 2% 103.2% improving 4 points sequentially, increased year-over-year, driven Industry growth in the Combined ratio evolving reflecting strong new business, by
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 IFC’s usage-based insurance (UBI) Intact Insurance launched refreshed GSL expanded its Surety vertical into the program saw a record 43% uptake
Slide 9: Ken Anderson, Chief Financial Officer
Ken Anderson Chief Financial Officer 9 Q1-2026 Earnings call slides
Slide 10: Strong start to 2026
Strong start to 2026 Combined ratio1 No change y-o-y Underlying current year loss ratio of 61.5% reflected Underlying solid performance across the business, increasing current year loss¹ slightly from last year due to higher large losses. 33.5% 34.5% Catastrophe loss ratio of 2.4% was 2 points lower
Slide 11: Robust operating results
Robust operating results Net operating income Operating net investment attributable to common Underwriting income1 Distribution income1 income shareholders1 +7% +4% +10% (2)% $457 $504 $415 $770 $485 $117 $115 $717 Q1-25 Q1-26 Q1-25 Q1-26 Q1-25 Q1-26 Q1-25 Q1-26 in C$ millions in C$ millions in C$ m
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 $108.78 $4.0B 16.4% increased 13% y-o-y driven by increased by $0.3 billion driven by growth in equity capital from strong operating earn
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