Intact Financial Corporation
Intact Financial Corporation (TSX: IFC) is trading at CA$246.65, about ₹16,685 at today's CAD/INR rate, as of 29 Sep 2026, 4:00 PM ET, down 0.54% today. Indian residents can buy Intact Financial from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
CA$244.85
Today's high
CA$248.18
52 week low
CA$242.87
52 week high
CA$305.52
IFC opened at CA$248.18, closed previously at CA$248.00, and has traded between CA$242.87 and CA$305.52 over the past 52 weeks.
About
Intact Financial Corporation (IFC), through its network of subsidiaries, stands as a leading provider of property and casualty (P&C) insurance. The company delivers its insurance solutions to individuals and businesses across a wide geographic footprint, including Canada, the United States, the United Kingdom, Ireland, other European countries, and the Middle East. For personal clients, IFC offers a comprehensive suite of insurance products. This encompasses auto coverage for personal vehicles, motor homes, recreational vehicles, motorcycles, snowmobiles, and all-terrain vehicles. Its personal property policies protect homes and their contents from a range of perils like fire, theft, vandalism, and water damage, while also providing personal liability coverage. These offerings extend to tenants, condominium owners, non-owner occupied residences, and seasonal properties, alongside various other personal lines such as pet insurance. In the commercial sector, the corporation develops tailored insurance programs for small and medium-sized businesses. This includes commercial property coverage to safeguard physical business assets, as well as various liability protections such as commercial general, product, professional, and cyber liability endorsements. Furthermore, IFC provides commercial vehicle insurance, addressing needs for commercial autos, fleets, garage operations, light trucks, public vehicles, and the unique requirements of the sharing economy. Beyond these core segments, Intact Financial also specializes in general insurance, sophisticated risk management solutions, and a diverse portfolio of niche insurance products. These specialized coverages cater to distinct groups and industries, including accident and health, technology, ocean and inland marine, public entities, entertainment, financial services, and various institutions. Additional offerings encompass specialty property, surety bonds, tuition reimbursement, management liability, cyber risk, and environmental insurance. Founded in 1809, the company was initially known as ING Canada Inc. It officially adopted the name Intact Financial Corporation in 2009 and is headquartered in Toronto, Canada.
Key statistics
Avg. volume
458.48K
Market cap
CA$43.50B
P/E Ratio
13.69
Price-to-sales ratio
1.59
Enterprise value
CA$55.06B
Free cash flow yield
7.72%
Debt-to-equity ratio
0.23
Return on equity
16.15%
ROIC
5.70%
Beta
0.28
Dividend yield
2.33%
Last dividend
CA$5.74
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, 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.
Read the full guide: how to invest in Intact Financial from India
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 2.33%.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) has been listed on the Toronto Stock Exchange since 2004, 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$246.65 — about ₹16,685 at a CAD/INR rate of 67.65 on 29 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 2.33%; the last declared dividend was CA$5.74 per share, about ₹388.30. 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.