2021 Annual Investor Factsheet
Why
Invest
inIntact
Largest provider
of P&C insurance in
Proven industry consolidator
with 18 successful P&C acquisitions since 1988
Consistently outperforms industry
leveraging disciplined underwriting, scale advantage and in-house claims expertise
Financial strength
reinforced by prudent risk management and capital levels well above regulatory requirements
Track record
of strong capital generation, earnings growth and annual dividend increases
Attracts and retains
Top talent
as a best employer
We are here to help people, businesses and societyprosper in good times and be resilient in bad times.
2021 highlights
Financial strength
Operating DPW1and DPW
(in $ billions)
2019
2020
OROE1and ROE1
(%)
13%
Operating DPW110 year CAGR
Operating combined ratio
95.4%
2021
13%
DPW (GAAP) 10 year CAGR
2019
NOIPS1and EPS
(in $ per share)
Underwriting Income
Net Investment Income
Distribution Income
2020
2021
Book Value per share
2019
0
2012
2013
2014
2015
14.7%10 year average OROE
1These are non-IFRS financial measures
2016
2017
2018
2019
12.4%10 year average ROE
2020
2021
2012
2013
2014
2015
12%
NOIPS110 year CAGR
EPS 10 year CAGR
2016
2017
2018
12%
Adjusted debt-to-total capital ratio23.0%
Total capital margin
Track record of dividends increase17 consecutive annual dividend increase since 2005
*Projected
Credit Ratings
AM Best DBRS FITCH
A+ AA AA-A1
TSX ticker symbol
2020
2021
IFC
2020
2021
2019
2020
2021
-
2005
$0.65 -
2006
$1.00 -
2007
$1.08 -
2008
$1.24 -
2009
$1.28 -
2010
$1.36
2011
2012
2013
2014
2015
2016
2017
2018
2019
Market capitalization
2022*
Common shares outstanding176.1M
A leading P&C insurer
2021 Operating DPW (pro forma)
BUSINESS SEGMENT
TYPE
DISTRIBUTION CHANNEL
Our ValuesWhat we aim to achieve
OUR BRANDS
Personal Commercial SpecialtyLinesLines
LinesBrokers & MGAsDirect to consumers
Track record of outperformance
Adjusted retuon equity2
25% 20 15 10 5 0
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
Intact314.1%
2012-2021 average
Industry
6.4 pts
Estimate4
2012-2021 average outperformance
Our superior underwriting results, investment performance and capital management have led to a better ROE than the industry.
US combined ratio
10098
105%100%
9596
9094
8592
8090
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2018
2019
2020
2021
Intact
4.8 pts
2012-2021average outperformanceIntact USBenchmark6
1.6 pts
2018-2021average outperformance
Our sophisticated pricing, underwriting discipline and in-house claims expertise enable us to outperform the industry benchmark combined ratio.
Investor inquiries
Email:[email protected]www.intactfc.com
Vice President, Investor RelationsPhone: 1.416.341.1464 ext. 41004 Email:[email protected]
Media inquiries
Email:[email protected]
Expected earnings release dates
|
Q1 |
Q2 |
Q3 |
Q4 |
|
|
|
|
|
|
2022 |
2022 |
2022 |
2022 |
-
2. Adjusted retuon equity is a non-GAAP financial measure. See Section 38 - Non-GAAP and other financial measures of the MD&A for the definition and reconciliation to the most comparable GAAP measure.
-
3. IFC's ROE outperformance is measured against the weighted-average industry ROE. The weighting is based on deployed capital as follows: 2017 and prior
Canada 100%; 2018 to 2020 Canada 80% and US 20%; 2021 Canada 74%, US 15%,UK 11%.Canada industry data is based on MSA. US industry data is based on NAIC statutory filings for the top 200 US P&C insurance entities and includes comparability adjustments. -
4. Includes estimated
UK industry ROE. -
5.
Canada industry benchmark consists of the 20 largest comparable companies in the P&C industry based on MSA. -
6. US industry benchmark consists of the 11 most relevant competitors in the P&C industry, for which reliable and comparable information is publicly available.
Attachments
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