Cash Flow Statement

Operating Cash Flow

+20%

+87%

10Y

Currency: CAD

	Dec-2004	Mar-2005	Jun-2005	Sep-2005	Dec-2005	Mar-2006	Jun-2006	Sep-2006	Dec-2006	Mar-2007	Jun-2007	Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025	Jun-2025	Sep-2025	Dec-2025
Operating Cash Flow
Net Income	624	668	719	758	782	809	792	746	658	598	587	522	508	405	323	288	128	69	31	(34)	127	304	371	488	498	514	496	488	465	525	563	573	587	543	503	433	465	488	619	822	957	980	982	899	875	850	708	703	686	673	856	920	942	881	785	821	886	903	894	870	833	842	969	1 163	1 359	1 843	2 202	2 167	2 568	2 550	3 273	3 338	2 942	2 881	1 815	1 543	1 804	2 083	2 731	2 776	2 878	2 897	3 050	3 939	4 307
Depreciation & Amortization	13	9	17	27	22	(1)	(5)	(15)	26	0	0	0	33	0	0	0	38	11	21	0	42	63	65	77	47	47	47	48	53	64	65	76	76	76	85	84	90	89	91	93	96	98	100	109	110	114	115	109	110	108	107	105	115	126	140	153	158	178	191	211	235	251	275	296	314	314	346	406	461	530	560	560	563	568	585	590	597	633	659	689	726	735	767	792	797
Change in Deffered Taxes	(38)	(18)	(36)	(32)	10	5	46	40	20	0	0	0	(6)	0	0	0	24	(16)	(63)	0	24	(75)	6	26	18	21	16	24	17	73	49	(7)	39	0	35	39	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Stock-Based Compensation	0	0	0	0	0	0	0	0	4	6	7	9	6	6	0	0	3	0	0	0	3	6	9	15	17	18	18	25	24	23	27	23	16	30	31	23	18	0	0	0	0	0	0	0	18	29	37	43	32	27	28	32	34	42	50	55	59	64	67	69	72	65	59	41	65	70	83	114	95	107	109	128	152	151	159	133	120	110	112	119	135	139	150	165	147
Other Non-Cash Items	9	0	0	1	9	0	0	20	(16)	(115)	50	125	(2)	60	104	230	(3)	447	231	248	(11)	7	13	(207)	15	10	10	20	10	2	2	(39)	66	(43)	(60)	(42)	(180)	(87)	(63)	(21)	12	8	(16)	16	20	60	75	23	34	23	29	36	48	65	74	77	77	73	64	69	74	76	79	84	65	58	(306)	(271)	(245)	(342)	(325)	88	(309)	(1 172)	(864)	(1 338)	97	874	905	904	(284)	(176)	(142)	(197)	(89)
Cash Taxes Paid	244	331	394	443	386	331	316	314	316	304	276	212	159	81	44	73	(70)	(107)	(235)	(289)	(153)	(44)	99	145	150	115	143	153	208	198	192	184	117	355	327	310	309	34	(90)	(259)	(293)	(165)	(12)	216	265	276	254	179	158	6	(12)	(22)	(32)	263	349	367	382	98	9	1	3	150	149	298	348	409	577	626	783	756	759	590	408	250	140	105	153	459	554	687	745	690	703	741	820
Cash Interest Paid	13	12	12	11	8	8	8	8	8	4	4	0	0	0	0	0	0	0	0	0	6	13	21	28	30	30	30	30	33	40	46	55	59	62	63	64	64	0	0	0	0	0	0	0	0	0	0	0	0	22	0	0	84	22	52	74	105	109	111	115	117	114	116	115	115	116	140	155	191	193	191	176	176	196	200	234	228	242	229	225	225	220	227	228	227
Change in Working Capital	785	(164)	(18)	(202)	(184)	(185)	(373)	(295)	(257)	(53)	(194)	(112)	87	211	287	88	432	170	446	477	357	153	(34)	121	(218)	(221)	(301)	(212)	(16)	(246)	(74)	10	(45)	(231)	(193)	(98)	(190)	147	212	175	347	298	111	(75)	(116)	(106)	26	177	95	124	4	(150)	(324)	(521)	(484)	(406)	(288)	(36)	31	164	148	183	443	316	614	438	182	613	362	507	(107)	(338)	469	382	1 021	1 598	(652)	(968)	(1 353)	(1 678)	67	239	220	(66)	(627)
Cash from Operating Activities	1 392 N/A	517 -63%	697 +35%	555 -20%	637 +15%	662 +4%	493 -26%	513 +4%	431 -16%	435 +1%	405 -7%	508 +25%	620 +22%	676 +9%	714 +6%	606 -15%	620 +2%	679 +10%	666 -2%	691 +4%	538 -22%	494 -8%	461 -7%	504 +9%	360 -29%	371 +3%	268 -28%	368 +37%	529 +44%	418 -21%	605 +45%	613 +1%	723 +18%	377 -48%	370 -2%	416 +12%	185 -56%	637 +244%	851 +34%	1 085 +27%	1 412 +30%	1 384 -2%	1 177 -15%	949 -19%	889 -6%	918 +3%	924 +1%	1 012 +10%	925 -9%	928 +0%	996 +7%	911 -9%	781 -14%	551 -29%	515 -7%	645 +25%	833 +29%	1 118 +34%	1 180 +6%	1 314 +11%	1 290 -2%	1 352 +5%	1 766 +31%	1 859 +5%	2 352 +27%	2 653 +13%	2 424 -9%	2 915 +20%	3 146 +8%	3 245 +3%	3 401 +5%	3 648 +7%	3 665 +0%	2 659 -27%	2 557 -4%	2 393 -6%	1 846 -23%	2 622 +42%	2 942 +12%	2 691 -9%	3 387 +26%	3 695 +9%	3 895 +5%	4 468 +15%	4 388 -2%
Investing Cash Flow
Capital Expenditures	(14)	(18)	(29)	(35)	(57)	(69)	(67)	(76)	(40)	(31)	(24)	(22)	(47)	(54)	(68)	(58)	(48)	(65)	(69)	(46)	(51)	(30)	(18)	(46)	(42)	(43)	(47)	(51)	(56)	(62)	(60)	(72)	(73)	(77)	(84)	(85)	(98)	(101)	(109)	(103)	(97)	(95)	(86)	(83)	(89)	(109)	(115)	(122)	(120)	(103)	(104)	(104)	(98)	(95)	(99)	(105)	(117)	(121)	(126)	(126)	(117)	(120)	(123)	(135)	(163)	(184)	(212)	(276)	(327)	(362)	(405)	(398)	(411)	(436)	(440)	(463)	(458)	(447)	(454)	(441)	(429)	(419)	(385)	(403)	(457)
Other Items	(1 453)	(438)	(767)	(364)	(235)	(98)	(259)	(620)	(345)	(126)	204	141	(53)	(575)	(367)	(157)	257	(197)	(301)	(553)	(1 182)	(551)	(554)	(257)	159	28	79	(2 254)	(2 290)	(1 827)	(2 086)	(253)	(503)	(690)	(249)	(22)	237	(17)	(408)	(839)	(1 026)	(928)	(823)	(421)	(431)	(681)	(680)	(811)	(639)	(573)	(1 093)	(1 675)	(1 771)	(1 379)	(1 033)	(213)	(168)	(698)	(498)	(559)	(725)	(765)	(1 313)	(1 624)	(2 279)	(2 409)	(4 744)	(5 331)	(5 645)	(6 560)	(2 562)	(2 889)	(2 335)	(860)	(1 995)	(1 669)	(1 547)	(1 427)	(1 183)	(1 104)	(1 185)	(1 584)	(2 034)	(1 794)	(2 124)
Cash from Investing Activities	(1 467) N/A	(456) +69%	(796) -75%	(398) +50%	(292) +27%	(167) +43%	(326) -95%	(696) -113%	(385) +45%	(157) +59%	180 N/A	119 -34%	(100) N/A	(629) -528%	(435) +31%	(215) +51%	210 N/A	(262) N/A	(370) -41%	(598) -62%	(1 233) -106%	(582) +53%	(572) +2%	(303) +47%	117 N/A	(15) N/A	32 N/A	(2 305) N/A	(2 346) -2%	(1 889) +19%	(2 146) -14%	(325) +85%	(576) -77%	(767) -33%	(333) +57%	(107) +68%	139 N/A	(118) N/A	(517) -338%	(942) -82%	(1 123) -19%	(1 023) +9%	(909) +11%	(504) +45%	(520) -3%	(790) -52%	(795) -1%	(933) -17%	(759) +19%	(676) +11%	(1 197) -77%	(1 779) -49%	(1 869) -5%	(1 474) +21%	(1 132) +23%	(318) +72%	(285) +10%	(819) -187%	(624) +24%	(685) -10%	(842) -23%	(885) -5%	(1 436) -62%	(1 759) -22%	(2 442) -39%	(2 593) -6%	(4 956) -91%	(5 607) -13%	(5 972) -7%	(6 922) -16%	(2 967) +57%	(3 287) -11%	(2 746) +16%	(1 296) +53%	(2 435) -88%	(2 132) +12%	(2 005) +6%	(1 874) +7%	(1 637) +13%	(1 545) +6%	(1 614) -4%	(2 003) -24%	(2 419) -21%	(2 197) +9%	(2 581) -17%
Financing Cash Flow
Net Issuance of Common Stock	478	614	614	614	136	0	0	0	0	(501)	(501)	(501)	(501)	(17)	(99)	(176)	(176)	(159)	(77)	0	0	(167)	(241)	(304)	(341)	(296)	(229)	1 230	1 266	1 388	1 367	198	201	195	117	(135)	(143)	(143)	(54)	(29)	(23)	(24)	(17)	(17)	(17)	(35)	(51)	(56)	(63)	(53)	98	976	979	986	1 083	207	207	206	(41)	(43)	401	545	540	541	97	(51)	4 202	4 200	4 182	4 281	(80)	(132)	(116)	41	115	719	719	430	383	(171)	(193)	(202)	(216)	(364)	(247)
Net Issuance of Debt	(227)	(356)	(334)	(334)	(129)	0	0	(127)	(127)	0	0	0	0	0	0	0	0	0	0	249	398	496	496	248	98	0	0	796	797	547	596	(151)	(151)	0	50	0	0	0	0	0	0	0	0	0	0	248	248	248	248	0	422	632	482	480	70	(210)	(60)	(71)	(94)	(212)	130	419	240	366	603	513	1 602	1 439	728	747	(1 290)	(694)	(855)	(824)	271	51	479	(168)	(224)	(209)	(568)	(138)	(100)	(292)	(317)
Cash Paid for Dividends	0	(22)	(44)	(65)	(87)	(99)	(110)	(122)	(134)	(136)	(137)	(137)	(137)	(139)	(144)	(147)	(151)	(151)	(151)	(152)	(153)	(155)	(156)	(156)	(156)	(157)	(158)	(163)	(178)	(189)	(201)	(210)	(210)	(217)	(224)	(228)	(233)	(237)	(242)	(248)	(255)	(262)	(268)	(274)	(279)	(285)	(292)	(298)	(304)	(312)	(319)	(338)	(351)	(365)	(378)	(381)	(390)	(398)	(407)	(418)	(429)	(442)	(454)	(465)	(475)	(475)	(558)	(585)	(679)	(736)	(711)	(784)	(762)	(795)	(835)	(829)	(862)	(886)	(914)	(934)	(953)	(974)	(995)	(1 016)	(1 037)
Other	(48)	(55)	(55)	(55)	(7)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(5)	(10)	(16)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(21)	(20)	(20)	(19)	(21)	(27)	(30)	(34)	(39)	(40)	(43)	(46)	(45)	(45)	(46)	(49)	(50)	(146)	(147)	(168)	(176)	(42)	(502)	(490)	(440)	(474)	0	14	(15)	(15)	0	(15)	(299)	(292)	0	0	0	0
Cash from Financing Activities	203 N/A	181 -11%	182 +0%	160 -12%	(87) N/A	(99) -13%	(110) -12%	(249) -126%	(261) -5%	(765) -193%	(765) 0%	(638) +17%	(638) 0%	(156) +76%	(242) -55%	(323) -33%	(327) -1%	(310) +5%	(228) +26%	97 N/A	244 +153%	174 -29%	99 -43%	(212) N/A	(399) -88%	(453) -14%	(387) +15%	1 863 N/A	1 885 +1%	1 741 -8%	1 752 +1%	(179) N/A	(181) -1%	56 N/A	(78) N/A	(384) -392%	(397) -3%	(401) -1%	(317) +21%	(298) +6%	(299) 0%	(307) -3%	(306) +0%	(312) -2%	(317) -2%	(93) +71%	(116) -25%	(127) -9%	(139) -9%	(385) -177%	182 N/A	1 249 +586%	1 083 -13%	1 071 -1%	741 -31%	(423) N/A	(283) +33%	(306) -8%	(588) -92%	(718) -22%	57 N/A	476 +735%	277 -42%	392 +42%	79 -80%	(160) N/A	5 078 N/A	4 878 -4%	4 189 -14%	3 790 -10%	(2 571) N/A	(2 050) +20%	(2 207) -8%	(1 579) +28%	(435) +72%	(74) +83%	321 N/A	(639) N/A	(770) -21%	(1 613) -109%	(2 006) -24%	(1 606) +20%	(1 595) +1%	(1 672) -5%	(1 601) +4%
Change in Cash
Effect of Foreign Exchange Rates	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	4	8	3	14	8	(1)	7	(11)	23	14	2	(8)	(45)	(39)	(9)	(4)	(24)	(22)	(15)	22	56	66	34	(1)	3	4	19	59	60	42	54	10
Net Change in Cash	128 N/A	242 +89%	83 -66%	317 +282%	259 -18%	396 +53%	56 -86%	(432) N/A	(215) +50%	(487) -126%	(180) +63%	(12) +94%	(118) -925%	(109) +7%	37 N/A	67 +83%	502 +646%	107 -79%	68 -36%	189 +177%	(450) N/A	86 N/A	(12) N/A	(11) +6%	78 N/A	(97) N/A	(87) +10%	(74) +15%	68 N/A	270 +297%	211 -22%	109 -48%	(34) N/A	(334) -882%	(41) +88%	(75) -83%	(73) +3%	118 N/A	17 -86%	(155) N/A	(10) +94%	54 N/A	(38) N/A	133 N/A	52 -61%	35 -33%	13 -63%	(48) N/A	27 N/A	(133) N/A	(19) +86%	381 N/A	(5) N/A	152 N/A	132 -13%	(93) N/A	279 N/A	1 -100%	(33) N/A	(82) -148%	494 N/A	966 +96%	621 -36%	494 -20%	(19) N/A	(145) -663%	2 507 N/A	2 177 -13%	1 359 -38%	89 -93%	(2 159) N/A	(1 704) +21%	(1 266) +26%	(160) +87%	(247) -54%	221 N/A	161 -27%	112 -30%	539 +381%	(448) N/A	(174) +61%	146 N/A	(77) N/A	653 N/A	216 -67%

Income Statement Balance Sheet Cash Flow Statement

Intact Financial Corp
TSX:IFC

Cash Flow Statement

Cash Flow Statement
Intact Financial Corp

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Intact Financial Corp TSX:IFC

Cash Flow Statement

Cash Flow Statement Intact Financial Corp

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Intact Financial Corp
TSX:IFC

Cash Flow Statement
Intact Financial Corp