Intact Financial Corporation
Intact Financial Corporation (TSX: IFC-PA) is trading at CA$23.70, about ₹1,612 at today's CAD/INR rate, as of 25 Sep 2026, 4:00 PM ET, up 0.21% today. Indian residents can buy Intact Financial from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
CA$23.60
Today's high
CA$23.70
52 week low
CA$21.25
52 week high
CA$24.10
IFC-PA opened at CA$23.63, closed previously at CA$23.65, and has traded between CA$21.25 and CA$24.10 over the past 52 weeks.
About
Intact Financial Corporation operates as a prominent provider of property and casualty (P&C) insurance, catering to both individual and commercial clients across Canada, the United States, the United Kingdom, and various other international markets. For individuals, the company delivers comprehensive personal automotive coverage, extending beyond standard cars to include motorhomes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles. Its personal property insurance protects homes and their contents against common perils like fire, theft, vandalism, and water damage, alongside personal liability. This extends to specialized residential coverage for tenants, condominium owners, non-owner-occupied properties, and seasonal homes. Travel insurance is also part of their personal portfolio, which also includes options for home, motor, and pet protection. For businesses, Intact provides a diverse array of commercial insurance solutions. These include commercial property insurance to safeguard physical assets, and various liability coverages such as general commercial, product, professional, and cyber liability. They further offer commercial vehicle insurance, tailored for corporate fleets, garage operations, light trucks, public transport, and the evolving requirements of the sharing economy. Beyond these, the corporation supplies general insurance, specialized underwriting, and risk management advisory services. Their extensive specialty portfolio covers sectors such as accident and health, technology, ocean and inland marine, builder's risk, entertainment, and financial institutions. Additional niche offerings include specialty property, surety bonds, tuition reimbursement, management liability, and environmental insurance, alongside cyber coverage. Established in Toronto, Canada, in 1809, the company operated as ING Canada Inc. until its renaming to Intact Financial Corporation in 2009.
Key statistics
Avg. volume
4.77K
Market cap
CA$50.66B
P/E Ratio
13.90
Price-to-sales ratio
1.61
Enterprise value
CA$47.05B
Free cash flow yield
8.15%
Debt-to-equity ratio
0.23
Return on equity
15.73%
ROIC
5.41%
Beta
0.29
Dividend yield
2.29%
Last dividend
CA$1.21
Financial overview
Revenue
CA$26.07B
Earnings per share
CA$18.39
Free cash flow
CA$3.93B
Net profit margin
12.04%
Gross margin
42.25%
EBITDA
CA$5.33B
Revenue growth
4.36%
Similar securities
This is not an investment recommendation
How to buy Intact Financial from India
Indian residents can buy Intact Financial shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars and then to CAD.
Search for Intact Financial and place an order
Find Intact Financial by name or by its ticker, IFC-PA, and choose an order type. Intact Financial trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Intact Financial position in CAD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Trading and taxes when buying Intact Financial from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. Intact Financial’s current yield is 2.29%.Dividend tax explained
Custody. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
FAQs
Can Indian residents buy Intact Financial stock?
Yes. Intact Financial (IFC-PA) has been listed on the Toronto Stock Exchange since 2012, in the Insurance - Property & Casualty industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars and then to CAD. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
How much does one Intact Financial share cost in rupees?
One Intact Financial share is CA$23.70 — about ₹1,612 at a CAD/INR rate of 68.03 on 25 Sep 2026. Both the Intact Financial price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Intact Financial from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
How are gains on Intact Financial shares taxed in India?
Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the CAD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Intact Financial price. Paasa issues a capital-gains statement for your return.
Does Intact Financial pay a dividend, and how is it taxed in India?
Yes. Intact Financial pays a dividend and the current yield is 2.29%; the last declared dividend was CA$1.21 per share, about ₹82.33. Dividends are taxed at your slab rate in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Intact Financial from India?
The Toronto Stock Exchange trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when Canada is on standard time. Orders can only execute during that window.
Do I have to declare Intact Financial shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Intact Financial holding, its cost and its closing value.
How do I sell Intact Financial and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in CAD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.
Does the rupee rate affect what I make on Intact Financial?
Yes. Intact Financial is priced in CAD, so your rupee outcome combines the CAD move with the CAD/INR move between the day you remit and the day you convert back. Both directions are reflected in the capital-gains statement Paasa issues.