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Intact Financial Corporation reports Q2-2025 results

News Release

July 29, 2025

TORONTO, July 29, 2025 /CNW/ -

Highlights

Operating DPW1,2 growth of 4% improved sequentially, primarily attributable to Personal lines
Combined ratio1 was strong at 86.1% with solid performance across all geographies
Net operating income per share1 of $5.23 (EPS of $4.70) reflected robust underwriting performance and stable contributions from investment and distribution income
BVPS1 increased 12% from last year to $98.67 driven by solid earnings growth, with operating ROE1 of 16.3% (ROE1 of 14.0%)
Robust balance sheet with total capital margin1 of $3.1 billion and adjusted debt-to-total capital ratio1 decreasing to 18.4%

Charles Brindamour, Chief Executive Officer, said:

"I'm pleased to see our platform continuing to prove its strength in the current economic and geopolitical environment. We delivered another quarter of solid underlying results, while growing our premium base in Personal lines and remaining disciplined in Commercial and Specialty lines. We did not experience significant CAT losses in the quarter, but our business is well positioned to help our customers deal with the deep trend of increased natural disasters. With our resilient balance sheet, we remain ready to capture opportunities as they arise, while staying on track to continue delivering on our financial objectives of exceeding the industry ROE by 500 basis points and growing NOIPS by 10% annually over time."

Read the full news release here>>

Intact Insurance Specialty Solutions is the marketing brand for the insurance company subsidiaries of Intact Insurance Group USA LLC. Coverages may be underwritten by one of the following insurance companies: Atlantic Specialty Insurance Company, a New York insurer; Homeland Insurance Company of New York, a New York insurer; Homeland Insurance Company of Delaware, a Delaware insurer; OBI America Insurance Company, a Pennsylvania insurer; OBI National Insurance Company, a Pennsylvania insurer; or The Guarantee Company of North America USA, a Michigan insurer. Each of these insurers maintains its principal place of business at 605 Highway 169 N, Plymouth, MN 55441, except The Guarantee Company of North America USA, which is located at One Towne Square, Southfield, MI 48076. This material is intended as a general description of certain types of insurance coverages and services. Coverages and availability vary by state; exclusions and deductibles may apply. Please refer to your insurance policy or consult with your independent insurance advisor for information about coverages, terms and conditions. Some coverage may be written by a surplus lines insurer through a licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.