Intact Financial Corp
TSX:IFC
Balance Sheet
Balance Sheet Decomposition
Intact Financial Corp
Intact Financial Corp
Balance Sheet
Intact Financial Corp
| Dec-2004 | Dec-2005 | Dec-2006 | Dec-2007 | Dec-2008 | Dec-2009 | Dec-2010 | Dec-2011 | Dec-2012 | Dec-2013 | Dec-2014 | Dec-2015 | Dec-2016 | Dec-2017 | Dec-2018 | Dec-2019 | Dec-2020 | Dec-2021 | Dec-2022 | Dec-2024 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||||||||||
| Cash & Cash Equivalents |
357
|
341
|
126
|
8
|
510
|
60
|
138
|
206
|
172
|
99
|
89
|
141
|
168
|
163
|
442
|
936
|
917
|
2 276
|
1 010
|
1 145
|
1 365
|
|
| Cash |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
164
|
161
|
0
|
0
|
98
|
167
|
114
|
205
|
269
|
844
|
901
|
0
|
881
|
867
|
|
| Cash Equivalents |
357
|
341
|
126
|
8
|
510
|
60
|
138
|
42
|
11
|
99
|
89
|
43
|
1
|
49
|
237
|
667
|
73
|
1 375
|
1 010
|
264
|
498
|
|
| Total Receivables |
3
|
56
|
54
|
433
|
468
|
285
|
300
|
274
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Insurance Receivable |
1 642
|
1 519
|
1 644
|
1 441
|
1 469
|
1 641
|
1 762
|
2 487
|
2 670
|
2 764
|
2 711
|
2 868
|
3 057
|
3 351
|
3 358
|
3 588
|
3 822
|
7 838
|
0
|
0
|
0
|
|
| Deferred Policy Acquisition Cost |
390
|
382
|
393
|
380
|
382
|
396
|
420
|
652
|
705
|
718
|
669
|
720
|
747
|
881
|
903
|
1 026
|
1 089
|
2 024
|
0
|
0
|
0
|
|
| Other Current Assets |
2
|
3
|
11
|
17
|
7
|
8
|
9
|
14
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Total Current Assets |
5
|
59
|
65
|
450
|
475
|
293
|
309
|
288
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| PP&E Net |
52
|
93
|
94
|
111
|
49
|
46
|
46
|
67
|
105
|
110
|
110
|
104
|
139
|
164
|
170
|
538
|
520
|
774
|
778
|
820
|
865
|
|
| PP&E Gross |
52
|
93
|
94
|
111
|
49
|
46
|
46
|
67
|
105
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Accumulated Depreciation |
95
|
97
|
95
|
117
|
115
|
132
|
82
|
92
|
131
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Intangible Assets |
37
|
37
|
66
|
62
|
136
|
160
|
170
|
1 068
|
1 153
|
1 164
|
1 202
|
1 285
|
1 302
|
2 161
|
2 200
|
2 523
|
2 514
|
4 636
|
4 700
|
5 060
|
4 901
|
|
| Goodwill |
91
|
108
|
149
|
160
|
161
|
179
|
211
|
794
|
923
|
953
|
1 102
|
1 272
|
1 403
|
2 284
|
2 399
|
2 626
|
2 813
|
3 066
|
3 350
|
4 507
|
4 889
|
|
| Note Receivable |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
445
|
730
|
364
|
376
|
372
|
274
|
325
|
403
|
400
|
769
|
769
|
605
|
620
|
|
| Long-Term Investments |
6 059
|
6 763
|
7 286
|
7 289
|
6 173
|
8 115
|
8 653
|
11 894
|
13 075
|
12 470
|
13 764
|
13 877
|
14 836
|
17 280
|
17 288
|
18 583
|
20 875
|
35 946
|
36 052
|
40 886
|
43 773
|
|
| Other Long-Term Assets |
218
|
222
|
205
|
168
|
168
|
156
|
85
|
1 810
|
140
|
152
|
126
|
281
|
254
|
240
|
244
|
270
|
265
|
2 526
|
1 460
|
1 083
|
1 247
|
|
| Other Assets |
904
|
511
|
497
|
481
|
421
|
484
|
492
|
1 281
|
1 348
|
1 567
|
1 545
|
1 663
|
1 991
|
3 324
|
3 531
|
4 425
|
4 717
|
9 560
|
8 972
|
9 927
|
10 097
|
|
| Total Assets |
9 663
N/A
|
9 927
+3%
|
10 377
+5%
|
10 390
+0%
|
9 785
-6%
|
11 351
+16%
|
12 075
+6%
|
19 753
+64%
|
19 813
+0%
|
19 774
0%
|
20 580
+4%
|
21 315
+4%
|
22 866
+7%
|
27 838
+22%
|
28 461
+2%
|
32 292
+13%
|
35 119
+9%
|
66 349
+89%
|
53 741
-19%
|
59 526
+11%
|
62 868
+6%
|
|
| Liabilities | ||||||||||||||||||||||
| Insurance Policy Liabilities |
6 574
|
6 021
|
6 092
|
6 323
|
6 432
|
6 734
|
6 965
|
10 676
|
11 702
|
12 121
|
12 165
|
12 499
|
13 141
|
15 865
|
16 049
|
17 897
|
19 115
|
38 228
|
29 130
|
31 900
|
32 550
|
|
| Accounts Payable |
673
|
819
|
840
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
45
|
78
|
81
|
132
|
206
|
191
|
276
|
575
|
468
|
487
|
460
|
|
| Accrued Liabilities |
0
|
0
|
0
|
0
|
0
|
0
|
104
|
132
|
190
|
176
|
273
|
328
|
377
|
477
|
495
|
518
|
532
|
976
|
513
|
731
|
846
|
|
| Short-Term Debt |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
148
|
152
|
|
| Current Portion of Long-Term Debt |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
250
|
0
|
566
|
979
|
0
|
300
|
250
|
|
| Other Current Liabilities |
101
|
68
|
24
|
33
|
7
|
103
|
702
|
889
|
1 058
|
773
|
906
|
831
|
686
|
882
|
655
|
744
|
973
|
1 828
|
569
|
607
|
893
|
|
| Total Current Liabilities |
774
|
887
|
864
|
33
|
7
|
103
|
806
|
1 021
|
1 248
|
949
|
1 224
|
1 237
|
1 144
|
1 491
|
1 606
|
1 453
|
2 347
|
4 358
|
1 550
|
2 273
|
2 601
|
|
| Long-Term Debt |
256
|
127
|
0
|
0
|
0
|
398
|
496
|
1 293
|
1 143
|
1 143
|
1 143
|
1 143
|
1 393
|
2 241
|
1 959
|
2 823
|
2 922
|
4 888
|
5 144
|
5 027
|
4 850
|
|
| Deferred Income Tax |
0
|
0
|
0
|
0
|
12
|
26
|
28
|
123
|
140
|
60
|
93
|
190
|
404
|
246
|
239
|
286
|
279
|
698
|
805
|
593
|
497
|
|
| Minority Interest |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1 109
|
285
|
0
|
0
|
|
| Other Liabilities |
0
|
0
|
0
|
863
|
702
|
1 109
|
811
|
2 299
|
687
|
547
|
500
|
522
|
696
|
532
|
798
|
1 086
|
873
|
1 394
|
984
|
1 585
|
1 534
|
|
| Total Liabilities |
7 604
N/A
|
7 034
-7%
|
6 957
-1%
|
7 218
+4%
|
7 153
-1%
|
8 369
+17%
|
9 106
+9%
|
15 412
+69%
|
14 920
-3%
|
14 820
-1%
|
15 125
+2%
|
15 591
+3%
|
16 778
+8%
|
20 375
+21%
|
20 651
+1%
|
23 545
+14%
|
25 536
+8%
|
50 675
+98%
|
37 898
-25%
|
41 378
+9%
|
42 032
+2%
|
|
| Equity | ||||||||||||||||||||||
| Common Stock |
1 052
|
1 184
|
1 184
|
1 102
|
1 062
|
1 062
|
993
|
2 378
|
2 607
|
2 579
|
2 579
|
2 579
|
2 571
|
3 599
|
3 844
|
4 293
|
4 440
|
8 751
|
8 864
|
9 745
|
9 855
|
|
| Retained Earnings |
924
|
1 619
|
2 143
|
2 091
|
1 929
|
1 902
|
1 565
|
1 642
|
1 982
|
2 147
|
2 616
|
3 047
|
3 197
|
3 520
|
3 776
|
3 959
|
4 547
|
6 183
|
7 801
|
7 922
|
10 316
|
|
| Additional Paid In Capital |
83
|
90
|
94
|
97
|
88
|
83
|
96
|
115
|
121
|
116
|
115
|
119
|
129
|
128
|
149
|
170
|
187
|
211
|
269
|
298
|
343
|
|
| Unrealized Security Profit/Loss |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
195
|
224
|
122
|
275
|
412
|
513
|
1 124
|
253
|
58
|
|
| Other Equity |
0
|
0
|
0
|
118
|
446
|
64
|
315
|
206
|
183
|
112
|
145
|
21
|
4
|
8
|
163
|
50
|
3
|
16
|
33
|
436
|
380
|
|
| Total Equity |
2 060
N/A
|
2 893
+40%
|
3 421
+18%
|
3 172
-7%
|
2 633
-17%
|
2 983
+13%
|
2 969
0%
|
4 341
+46%
|
4 893
+13%
|
4 954
+1%
|
5 455
+10%
|
5 724
+5%
|
6 088
+6%
|
7 463
+23%
|
7 810
+5%
|
8 747
+12%
|
9 583
+10%
|
15 674
+64%
|
15 843
+1%
|
18 148
+15%
|
20 836
+15%
|
|
| Total Liabilities & Equity |
9 663
N/A
|
9 927
+3%
|
10 377
+5%
|
10 390
+0%
|
9 785
-6%
|
11 351
+16%
|
12 075
+6%
|
19 753
+64%
|
19 813
+0%
|
19 774
0%
|
20 580
+4%
|
21 315
+4%
|
22 866
+7%
|
27 838
+22%
|
28 461
+2%
|
32 292
+13%
|
35 119
+9%
|
66 349
+89%
|
53 741
-19%
|
59 526
+11%
|
62 868
+6%
|
|
| Shares Outstanding | ||||||||||||||||||||||
| Common Shares Outstanding |
129
|
134
|
134
|
124
|
120
|
120
|
112
|
130
|
133
|
132
|
132
|
132
|
131
|
139
|
139
|
143
|
143
|
176
|
175
|
178
|
178
|
|
| Preferred Shares Outstanding |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
20
|
20
|
20
|
20
|
20
|
20
|
32
|
42
|
42
|
48
|
48
|
54
|
54
|
60
|
|