Summary

  • Intact Financial Corporation is the largest provider of property and casualty (P&C) insurance in Canada, a leading provider of global specialty insurance, and, with RSA, a leader in the U.K. and Ireland.
  • The company has grown organically and through acquisitions to over $20 billion of total annual premiums.
  • The company has a global team of more than 26,000 employees

IFCZF0.jpg

Company Overview

Intact Financial Corporation (TSX: IFC, OTC:IFCZF) is the largest provider of property and casualty (P&C) insurance in Canada, a leading provider of global specialty insurance, and, with RSA, a leader in the U.K. and Ireland. The company's business has grown organically and through acquisitions to over $20 billion of total annual premiums.1

In Canada, Intact distributes insurance under the Intact Insurance brand through a wide network of brokers, including its wholly-owned subsidiary BrokerLink, and directly to consumers through belairdirect. Intact also provides affinity insurance solutions through the Johnson Affinity Groups.

In the U.S., Intact Insurance Specialty Solutions provides a range of specialty insurance products and services through independent agencies, regional and national brokers, and wholesalers and managing general agencies.

Outside of North America, the company provides personal, commercial and specialty insurance solutions across the UK, Ireland, Europe and the Middle East through the RSA brands.

Intact Financial is evolving its products and services to ensure that the company continue to meet customers’ changing needs. By leveraging data and technology Intact Financial has made it easier for customers to connect with it in the way they prefer, be it online, on the phone or in person through a broker.

IFCZF1.jpg

Products

Products are available through the following brands and companies:

Canada

  • Intact Insurance
  • RSA
  • belairdirect
  • Johnson
  • BrokerLink
  • Intact Public Entities
  • Intact Prestige
  • Intact Insurance Specialty Solutions

On Side Restoration: In Canada, Intact provides repair and restoration services through its subsidiary On Side Restoration, a leading restoration company, restoring damaged homes and businesses.

United States

  • Intact Insurance Specialty Solutions

UK & International

  • RSA
  • MORE THAN
  • 123.ie
  • Al Ahlia
  • Al Alamiya

Scandinavia

  • Codan

IFCZF2.png

Company History

Intact has a long and proud Canadian history. Intact Financial is one of Canada’s oldest companies. The company's roots date back to 1809 when a group of business people formed the Halifax Fire Insurance Association, later known as the Halifax Insurance Company. In the late 1950s, following the post-war Dutch immigration, the Nationale-Nederlanden, then one of the largest insurance companies in the Netherlands came to Canada and acquired the Halifax Insurance Company.2

YearMilestones
1980sacquired three well-known regional insurers - Commerce Group and Belair in Quebec, and Western Union in Alberta
1991Nationale-Nederlanden merged with NMB Postbank to create ING Group, one of the first bancassurance groups in the world
1993we brought together the separate entities under the umbrella of ING Canada
1998acquired Guardian Insurance’s business in Canada
2001acquired Zurich Canada’s home, auto and small and medium business insurance portfolio. Halifax Insurance Company, Commerce Group and Western Union were later merged to form ING Insurance. Belair became the first company in North America to offer insurance products online under the name belairdirect
2004acquired Allianz Canada. This was soon followed by our Initial Public Offering, and we started trading on the Toronto Stock Exchange with ING Group retaining 70% ownership
2009ING Canada became Intact Financial Corporation, with 100% of its common shares traded on the TSX following ING Group’s divestiture of its holdings
2011acquired AXA Canada Inc., the 6th largest property and casualty insurance provider in the country
2012acquired Jevco Insurance Company, a leading provider of specialty and niche insurance products for individuals and businesses in Canada
2015acquired Canadian Direct Insurance Inc. (CDI), a property and casualty insurance company providing direct-to-consumer personal insurance solutions throughout British Columbia and Alberta. CDI was subsequently integrated with belairdirect, expanding its operations from coast to coast
2017acquired OneBeacon Insurance Group, Ltd.; a leading U.S. specialty insurer focused on small to midsize businesses. The transaction makes us a leading speciality insurer in North America with over C$2 billion in annual premiums
2019acquired a controlling interest of On Side Restoration, a leading restoration company, restoring damaged homes and businesses in Canada. Intact will gain full ownership of On Side Restoration over a two-year period. The transaction will strengthen repair and restoration services for personal and commercial property claims customers across Canada.
2019acquired The Guarantee Company of North America, a specialty lines insurer in Canada and the U.S., and Frank Cowan Company Limited, a managing general agent focused on specialty insurance.
2020gained full ownership of On Side Restoration, a leading restoration company, restoring damaged homes and businesses in Canada, strengthening the repair and restoration services for personal and commercial property claims customers across Canada.
2021together with Tryg A/S, Intact acquired RSA Insurance Group –- one of the world’s longest standing general insurers – expanding its operations to the UK, Ireland, Europe and the Middle East through the RSA brands.

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Business Segments

Personal auto – CANADA

The company provide various levels of coverage to its customers for their vehicles, including accident benefits, third party property and physical damage. The company's coverage is also available for motor homes, recreational vehicles, motorcycles, snowmobiles and all terrain vehicles.

Personal property – CANADA

The company provide various levels of protection to its customers for their homes and contents from risks such as fire, theft, vandalism, water damage and other damages, as well as personal liability coverage. Property coverage is also available for tenants, condominium owners, non-owner-occupied residences and seasonal residences.

Commercial lines (including specialty lines) – CANADA

The company provide a broad range of coverages tailored to the needs of a diversified group of small to medium-sized businesses. Commercial property coverages protect the physical assets of a business. Liability coverages include commercial general liability, product liability, professional liability, as well as cyber endorsement. Commercial vehicle coverages provide protection for commercial auto, fleets, garage operations, light trucks, public vehicles and the specific needs of the sharing economy.

Personal lines – UK&I

The company provide various levels of coverage to its customers for their home, motor, pet and other insurance products in the UK, Ireland and the Middle East

Commercial lines (including specialty lines) – UK&I

The company provide a broad range of general insurance, specialty lines and risk management expertise for businesses and other organisations in the UK, Ireland, the Middle East, France, Belgium, Spain and the Netherlands.

Commercial lines (specialty lines) – US

The company provide a broad range of specialty insurance solutions tailored to meet the unique needs of specific industry segments or product/customer groups. Businesses serving targeted industry segments include accident and health, technology, ocean marine, inland marine, public entities, entertainment, financial services, and financial institutions. Businesses offering distinct specialty products to broad customer groups include specialty property, surety, tuition reimbursement, management liability, cyber and environmental.

IFCZF4.png

Financial Highlights

Net operating income per share (NOIPS) grew 25% to $12.41 in 2021 and operating ROE stood at 17.8%, driven by robust underwriting and distribution income, as well as meaningful accretion from RSA.3

The company's overall combined ratio of 88.8% reflected strong underlying performance and favourable prior year claims development. Operating direct premiums written grew 45% to $17.3 billion, fuelled by the RSA acquisition and solid organic growth.

Net investment income increased 22%, mainly on account of growth in the investment portfolio following the RSA acquisition. In its distribution business, income grew 32% to $362 million, driven by higher variable commissions and accretive acquisitions.

The integration of RSA is on track across all geographies. With a 12% accretion to NOIPS in the seven months since the transaction closed, Intact Financial has increased confidence in the quality of the acquired portfolio and expected synergies.

The company's balance sheet remains strong, with $2.9 billion of total capital margin and solid regulated capital ratios in all jurisdictions. With the sale of its 50% stake in Codan DK expected to close in the first half of 2022, the adjusted debt-to-total capital ratio will return to its target of 20%.

Given solid momentum across the business and a robust balance sheet, the company were pleased to increase the quarterly dividend by 10% to $1.00 per share and initiate a share buyback program in February 2022.

The company's financial objectives are to increase NOIPS 10% annually over time and outperform the industry ROE by 500 bps every year. The company continue to meet and exceed this objective, with NOIPS well over 10% this year, and an estimated ROE outperformance of 750 bps in 2021. The company's track record over the past decade is strong, with NOIPS compounding at 12% annually and its estimated ROE outperformance averaging 640 bps.

Outlook

As economies emerge from the pandemic, the company expect to operate in an inflationary environment, with dislocation in supply chains and a tight labour market. Interest rates will most likely continue to rise in the near- to-mid-term. While economies are currently robust, the company expect to operate in a period of suppressed growth over the mid-term. The war in Ukraine and the resulting humanitarian crisis will exacerbate these conditions. As a result, the company remain prudent in managing its resources. The company will focus on identifying and managing claims inflation while being open to the opportunities presented in this environment.

Looking specifically at the insurance industry where the company operate, the company expect poor pre-pandemic underwriting performance, inflationary pressures, the war in Ukraine and capital markets volatility will keep capacity and supply of insurance tight. This will result in rising prices in the near to mid term. As an outperformer with a solid capital position, this environment plays to its strengths.

In Canada, the company expect firm market conditions to continue in personal property, while personal auto rates remain tempered in the pandemic environment.

In commercial lines across the U.S., Canada, and the UK & Ireland, firm pricing conditions are expected to continue. In UK personal lines, near-term industry growth levels are uncertain as companies navigate the recently introduced pricing reforms.

References

  1. ^ https://www.intactfc.com/English/about-us/default.aspx
  2. ^ https://www.intactfc.com/English/about-us/our-history/default.aspx
  3. ^ https://s1.q4cdn.com/321139868/files/doc_financials/2021/ar/AR_ENG_Mar29_clean_full.pdf
Created by Asif Farooqui on 2022/04/08 00:55
     

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  605. US:SYN
  606. US:TAC
  607. US:TBQBF
  608. US:TD
  609. US:TECK
  610. US:TENX
  611. US:TEVA
  612. US:TFII
  613. US:TGOPF
  614. US:TGTX
  615. US:THCBF
  616. US:TK
  617. US:TMXXF
  618. US:TNDM
  619. US:TOP
  620. US:TRI
  621. US:TROV
  622. US:TRP
  623. US:TRTC
  624. US:TRVN
  625. US:TRXC
  626. US:TSG
  627. US:TSLA
  628. US:TTM
  629. US:TTNP
  630. US:TTNQY
  631. US:TU
  632. US:TVTY
  633. US:TWTR
  634. US:TXMD
  635. US:UBQU
  636. US:UNXL
  637. US:VAPE
  638. US:VBLT
  639. US:VCEL
  640. US:VDQSF
  641. US:VPCO
  642. US:VSTM
  643. US:VXRT
  644. US:VZ
  645. US:WIT
  646. US:WLDFF
  647. US:WLL
  648. US:WMIH
  649. US:WMT
  650. US:WPM
  651. US:WPP
  652. US:WSPOF
  653. US:XGTI
  654. US:XON
  655. US:XTNT
  656. US:XXII
  657. US:ZGNX
  658. US:ZSAN
  659. US:ZYNE
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