Intact Financial Corporation (IFCZF) 📈: отчетность и дивиденды за 2025

Capitalização

Ifrs

Relatórios Anual Trimestral

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Média de 5 anos	CAGR 5
Capitalização, bilhão $	9.25	8.97	10.68	10.77	13.11	14.79	22.76	25.12	26.21		26.09	20.40	14.86
Receita, bilhão $		8.51	9.33	10.6	11.35	12.46	17.48	21.15	22.07	24.44	24.44	19.52	14.42
Lucro líquido, bilhão $		0.541	0.792	0.667	0.709	1.08	2.07	2.45	1.32	2.3	2.3	1.84	16.32
EV, bilhão $	10.28		12.76	12.18	14.53	18.77	25.71	38.57	39.32	51.13	51.13	34.70	22.19
EBIT, bilhão $		0.421	0.676	0.629	0.5	0.897	1.87	3.12	0.081	3.1	3.1	1.81	28.15
Ebitda, bilhão $		0.531	0.791	0.787	0.735	1.21	2.33	3.69	0.678	3.83	3.83	2.35	25.92
Oibda $						1.03	2.14	4.36	4.44	4.41	4.41	3.28	33.76
Valor do equilíbrio, bilhão $		6.09	7.46	7.81	8.75	9.58	15.67	15.4	16.19	18.15	18.15	15.00	13.63
FCF, bilhão $		0.805	0.683	0.716	1.17	2.19	2.8	3.25	1.39	2.96	2.96	2.52	6.21
Opera.Mnoe Stream, bilhão $		0.925	0.781	0.833	1.29	2.35	3.13	3.67	1.85	3.39	3.39	2.88	7.60
Lucro operacional, bilhão $		0.421	0.676	0.629	0.5	0.897	1.87	3.12	5.08	2.88	2.88	2.77	26.28
Ópera. Despesas, bilhões $		-8.09	-8.65	-9.97	-10.85	-11.57	-15.61	-18.03	22.07	21.57	21.57	-0.3140	-213.27
Capex, bilhão $		0.12	0.098	0.117	0.117	0.163	0.327	0.411	0.458	0.429	0.429	0.3576	21.35

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Média de 5 trimestres	CAGR 5
Capitalização, bilhão $	23.95	23.08	24.6	24.8	25.84	25.62	25.19	26.02	25.78	26.56						25.83	0.72
Receita, bilhão $						5.54	5.97	5.47	5.39	7.47	7.04	9.45	8.9	6.18	8.84	8.08	4.66
Lucro líquido, bilhão $						0.412	0.377	0.252	0.163	0.524	0.673	1.03	0.28	0.667	0.9726	0.7245	7.64
EV, bilhão $						29.13	28.99	38.61	38.72	39.83	43.5	44.38	66.46	51.1	54.29	51.95	4.53
EBIT, bilhão $					0.499	0.518	0.852	0.319	0.179	0.015	-0.352	-0.3623	0.3841	0.894		0.1158	126.49
Ebitda, bilhão $					0.639	0.661	0.998	0.475	0.324	0.165	-0.17	-0.1135	0.6208	1.08		0.3165	45.61
Oibda $											0.157	7.46		1.25		2.96	99.68
Valor do equilíbrio, bilhão $						15.4	15.24	14.99	15.39	16.19	16.74	17.32	17.78	18.15	18.77	17.75	2.32
FCF, bilhão $						0.809	-0.616	0.506	1.23	0.267	0.171	0.819	0.993	0.975	0.489	0.6894	23.39
Opera.Mnoe Stream, bilhão $						0.928	-0.506	0.618	1.35	0.381	0.27	0.938	1.1	1.08	0.578	0.7932	16.44
Lucro operacional, bilhão $				1.44	0.499	0.518	0.852	0.319	0.179	0.015	1	8.6		0.838		2.13	36.17
Ópera. Despesas, bilhões $						-5.02	-5.12	-5.15	-5.21	0.189	0.239	0.8503	8.9	5.34	7.62	4.59	99.85
Capex, bilhão $						0.119	0.11	0.112	0.122	0.114	0.099	0.119	0.109	0.102	0.089	0.1036	-2.11

Fluxo de caixa O fluxo de caixa é trimestralmente Ativos

Saldo contábil

Ifrs

Relatórios Anual Trimestral

	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Média de 5 anos	CAGR 5
Dinheiro, bilhão $						0.168	0.163	0.442	0.936	0.917	2.28	1.01	1.17	1.15	1.15	1.31	4.63
Investimentos de curto prazo $						1.38	1.41	1.17	1.47	1.55	22.72	22.84	1.38	18	18	13.30	63.30
Investimentos de longo prazo $				11.49	13.43	14.38	16.88	16.9	18.18	20.47	34.1	34.18	35.64			28.51	14.41
Contas a receber $						3.55	3.69	3.86	4.03	4.34	9.01	0.947	0.816	0.605	0.605	3.14	-32.57
Total de ativos circulantes $					4.62	5.1	5.26	5.47	6.44	6.81	34	33.11	1.17		2.04	16.31	-28.90
Ativos puros, bilhões $					0.104	0.139	0.164	0.17	0.538	0.52	0.774	0.778	12.39		25.13	3.00	87.27
Ativos, bilhões $						22.99	27.93	28.46	32.29	35.12	66.35	64.96	55.98	59.53	59.53	56.39	11.13
Dívida de curto prazo $			1.08	0.9836	0.032		0.06		0.165		0.439	0.137	0.384	0.148	0.148	0.2546	-2.15
Dívida de longo prazo $						1.39	2.18	2.21	2.2	3.04	4.79	4.39	5.08	4.68	4.68	4.40	9.01
Dívida, bilhão $						16.9	20.47	20.65	23.55	25.54	49.57	49.27	39.5	41.38	41.38	41.05	10.13
Dívida pura, bilhão $						1.23	2.08	1.77	1.89	2.57	3.59	4.13	4.57	4.33	4.33	3.84	11.00
Dívida, bilhão $					1.18		2.24	1.6	2.36	3.35	5.23	5.14	5.74	5.48	5.48	4.99	10.34
Receita de juros $							0.469	0.564	0.599	0.6	0.723	0.943	1.27			0.8270	16.22
Despesas com juros, bilhões $						0.072	0.082	0.103	0.11	0.115	0.153	0.177	0.222	0.222	0.222	0.1778	14.06
Renda de juros pura, bilhão $						-0.072	-0.082	-0.103	-0.11	-0.115	-0.153	-0.177	-0.213		0.9398	-0.1536	14.13
Boa vontade $				1.1	1.17	1.4	2.24	2.4	2.63	2.81	3.07	3.35	4.09			3.19	9.23
Depreciação, bilhão $						0.11	0.115	0.158	0.235	0.314	0.461	0.563	0.597	0.726	0.726	0.5322	18.25
Custo, bilhão $	4.53	6.14	6.35	5.9	7.08	7.67	8.19	9.43	9.99				-5.1			6.04	-192.16
Suprimentos médicos $					-0.383	-3.71	-4.04	-4.4	-5.14	-5.43	-11.53	2.02	3.37		3.37	-3.3420	-191.90

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Média de 5 trimestres	CAGR 5
Dinheiro, bilhão $																		1.01	0.991	0.976	1.53	1.23	1.34	1.73	1.11	1.15	1.34	1.33	0.00
Investimentos de curto prazo $																		22.84	14.79	0.984	1.82	1.38	1.63	0.314	17.54	18	18.13	11.12	61.90
Investimentos de longo prazo $													33.23	34.1	33.91	32.58	33.58	34.18	34.39	34.96	35.04	35.64						34.84	0.84
Contas a receber $																		9.26	0.648	0.726	0.677	0.816	1.04	0.947	0.874	0.605	0.135	0.7202	-33.52
Total de ativos circulantes $															11.33	31.5	31.93	33.11	16.43	1.7	2.21	2.04	2.38	2.36				2.14	6.78
Ativos puros, bilhões $											0.519	0.833	0.803	0.774	0.746	0.744	0.746	0.778	12.39	0.782								3.09	1.00
Ativos, bilhões $																		64.96	53.69	53.26	55.01	50.76	51.51	56.54	59.3	59.53	60.58	57.49	3.30
Dívida de curto prazo $																		0.137	0.105	0.439	0.591	0.384	0.201	0.176	0.474	0.148	0.13	0.2258	-8.35
Dívida de longo prazo $																		4.39	4.68	4.3	4.34	5.08	4.71	4.65	4.64	4.68	4.69	4.67	-0.09
Dívida, bilhão $																		49.27	38.17	37.98	39.33	34.29	34.49	38.94	41.52	41.38	41.81	39.63	3.92
Dívida pura, bilhão $																		4.13	4.44	4.4	4.03	4.52	4.24	3.76	4.67	4.33	3.48	4.10	-3.87
Dívida, bilhão $																		4.52	4.79	4.74	5.56	5.74	5.58	5.49	5.78	5.48	4.82	5.43	-2.89
Receita de juros $													0.196	0.222	0.209	0.216	0.234	0.284	0.3	0.329	0.354	0.382						0.3298	6.11
Despesas com juros, bilhões $																		0.05	0.301	0.052	0.061	0.059	0.057	0.0738	0.0744	0.056	0.0791	0.0681	6.77
Renda de juros pura, bilhão $															-0.041	-0.043	-0.043	-0.05	-0.301	-0.052	-0.061	-0.059	0.2848	0.3944				0.1014	-249.96
Boa vontade $													3.01	3.07	3.09	3.2	3.36	3.35	3.35	3.38	3.48	4.09						3.53	4.07
Depreciação, bilhão $																	0.14	0.143	0.146	0.156	0.145	0.15	0.182	0.2488	0.2367	0.187		0.2009	4.51
Custo, bilhão $	1.52	1.46	2.38	2.37	2.32	1.79	2.61	2.54	2.45	2.56																		2.39	7.42
Suprimentos médicos $															-9.75	-10.62	-10.78	-10.52	-1.9	1.97	2.5	3.37	3.98	20.32				6.43	59.47

Promoção

Ifrs

Relatórios Anual Trimestral

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média de 5 anos	CAGR 5
EPS	4.88	5.58	5.74	6.16	9.92	12.31	13.97	7.47	12.86		12.86	11.31	5.33
O preço da ação do AO		83.39	71.89	107.42	118.84	130.07	146.16	152.79	182.18	228	228	167.84	11.88
O número de ações da AO, milhões	130.9	139.1	139.2	140.4	143	176.2	175.6	176.2	178.6		178.6	169.92	4.55
FCF/Promoção	6.15	4.91	5.14	8.35	15.31	15.9	18.53	7.88	16.56		16.56	14.84	1.58

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Média de 5 trimestres	CAGR 5
EPS						3.34	1.52	1.44	0.9267	2.94	3.77	5.74	1.15	3.74	5.45		3.97	7.65
O preço da ação do AO			139.68	141.06	147.33	146.15	143.7	148.43	146.57	148.99					197.8	228	173.96	8.96
O número de ações da AO, milhões	176.1	176.2	176.1	175.8	175.4	175.3	175.3	175.3	175.9	178.3							176.02	0.34
FCF/Promoção						4.61	-3.51	2.89	7	1.5	0.9591	4.59	4.08	5.46	2.74		3.57	23.36

Eficiência

Ifrs

Relatórios Anual Trimestral

	2011	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média na indústria	Média de 5 anos	CAGR 5
ROE, %					8.89	10.61	8.54	8.11	11.29	13.19	15.79	8.33	13.38		13.38	20.36	12.40	3.46
Roa, %					2.35	2.84	2.34	2.2	3.08	3.12	3.74	2.18	3.98		3.98	5.11	3.22	5.26
ROIC, %	10.7	9.64	14.25	14.57		12.06		10.65	13.47	13.14	16.14	10.35				7.36	12.75	-0.57
Ros, %						8.49	6.29	6.25	8.68	11.82	11.6	5.96	9.4	9.4	9.4	30.56	9.64	-4.48
Roce, %						9.06	8.05	5.72	9.36	11.16	4.99	0.1457	5.21	17.08	17.08	12.31	7.72	8.88
EBIT margem								4.41	7.2	10.71	14.77	0.3671	12.68	12.68	12.68	21.42	10.24	3.43
Lucratividade do EBITDA						8.48	7.43	6.48	9.72	13.35	17.43	3.07	15.65	15.65	15.65	25.04	13.03	3.23
Pura lucratividade					6.36	8.49	6.29	6.25	8.68	11.82	11.6	5.96	9.4		9.4	30.56	9.49	1.61
Eficiência operacional, %						7.25	5.93	4.41	7.2	10.71	14.77	23.01	11.77	11.77	11.77	28.21	14.41	1.91
FCF lucratividade, %			14.75	8.65	8.97	6.39	6.65	8.95	14.8	12.31	12.96	5.29					10.86	-9.98

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Média na indústria	Média de 5 trimestres	CAGR 5
ROE, %						2.68	2.47	1.68	1.07	3.41	4.3	6.36	1.68	3.87	5.48			20.36	4.34	4.97
Roa, %						0.6342	0.7022	0.4732	0.3011	0.9908	1.32	1.9	0.4834	1.12	1.62			5.11	1.29	4.18
ROIC, %						3.03	2.93	2.37	1.79	3.41	4.06	5.57	2.18	3.85	5.2			7.36	4.17	5.07
Ros, %								4.61	3.03	7.02	9.56	10.85	3.15	10.79	11	9.4	9.4	30.56	8.75	24.44
Roce, %							5.49	2.09	0.3241	0.0281	-0.6535	-0.6615	0.6829	1.56		17.08	17.08	12.31	7.15	-291.60
EBIT margem									3.32	0.2009	-5	-3.83	4.32	14.47		12.68	12.68	21.42	8.06	-227.05
Lucratividade do EBITDA							16.72	8.69	6.01	2.21	-2.42	-1.2	6.98	17.49		15.65	15.65	25.04	10.91	-267.13
Pura lucratividade						7.44	6.32	4.61	3.03	7.02	9.56	10.85	3.15	10.79	11			30.56	9.07	2.85
Eficiência operacional, %						9.35	14.28	5.84	3.32	0.2009	14.21	91.01		13.56		11.77	11.77	28.21	28.46	-3.70
FCF lucratividade, %	4.86	3.41	2.07	2.34	5.24	3.16	-2.45	1.94	4.77	1.01									1.69	-20.40

Coeficientes

Ifrs

Relatórios Anual Trimestral

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média na indústria	Média de 5 anos	CAGR 5
P/e		16.58	13.49	16.14	18.49	13.67	11.01	14.03	26.41	20.37		20.37	13.45	17.10	8.30
P/bv		1.47	1.43	1.38	1.5	1.54	1.45	2.2	2.11	2.58		2.58	1.74	1.98	10.87
P/s		1.05	1.15	1.02	1.15	1.19	1.3	1.63	1.57	1.91		1.91	3.05	1.52	9.93
P/fcf			15.64	15.04	11.17	6.76	8.12	7.72	18.89	18.8	8.82	8.82	3.20	12.47	1.67
E/p			0.0741	0.062	0.0541	0.0732	0.0908	0.0977	0.0502	0.0504	0.088	0.088	87.84	0.0754	-0.62
EV/EBIT					43.63	27.01	16.09	12.35	485.42	16.49	16.49	16.49	120.39	109.37	0.49
EV/EBITDA	13.86		16.13	19.69	19.77	10.93	11.02	10.46	57.99	13.36		13.36	-135.56	20.75	4.10
EV/S	1.28		1.37		1.28	1.94	1.47	1.82	1.78	2.09	2.09	2.09	1.56	1.85	7.29
EV/FCF	12.86		18.69		12.39	11.07	9.18	11.85	28.33	17.28	17.28	17.28	1.94	16.78	13.49
Dívida/Ebitda			2.83	2.81	3.21	1.95	2.24	1.4	8.47	1.43	1.43	1.43	-179.19	2.99	-8.58
NetDebt/Ebitda			2.63	2.25	2.57	2.12	1.54	1.12	6.74	1.13	1.13	1.13	208.15	2.33	-6.00
Dívida/índice	0.0553		0.0802		0.0731	0.0993	0.0788	0.0792	0.1026	0.092	0.092	0.092	0.12	0.0889	3.15
Dívida/patrimônio líquido	0.2051		0.3003		0.27	0.364	0.3336	0.334	0.3546	0.3017	2.28	2.28	11.29	0.7208	46.87
Dívida/lucro líquido	1.66		2.83		3.33	3.22	2.53	2.1	4.36	2.38	2.38	2.38	17.84	2.75	-1.21
Peg											3.56	3.56	-22.78	3.56	0.00
Beta									0.32	-1.29	1.09	1.09	0.56	0.0400	50.46
ÍNDICE ALTMAN			0.9735	1.01	1.12	1.14	0.9642	1.14	6.03	4.57	4.54	4.54	54.77	3.45	36.33

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Média na indústria	Média de 5 trimestres	CAGR 5
P/e						62.19	66.82	24.42	28.73	26.57	24.26	17	18.64	18.19	17.71			13.45	19.16	-6.10
P/bv						1.66	1.65	2.24	2.21	2.14	2.31	2.31	3.48	2.58	2.71			1.74	2.68	3.25
P/s						4.63	4.22	1.55	1.55	1.44	1.54	1.38	1.48	1.6	1.64			3.05	1.53	1.27
P/fcf			48.33	42.68	19.07	31.67	-40.89	51.42	20.94	99.49						8.82	8.82	3.20	37.90	-29.71
E/p			0.0198	0.0491	0.0139	0.0161	0.015	0.0097	0.0063	0.0197						0.088	0.088	87.84	0.0423	55.43
EV/EBIT									216.34	2655.06	-123.59	-122.52	173.01	57.16		16.49	16.49	120.39	28.13	-166.96
EV/EBITDA					45.9	44.07	29.05	81.29	15.75	20.3	54.79	215.93	132.29	36.03				-135.56	91.87	12.16
EV/S								7.06	7.19	5.33	6.18	4.7	7.47	8.27	6.14	2.09	2.09	1.56	5.21	-22.49
EV/FCF								76.31	31.46	149.16	254.4	54.19	66.92	52.41	111.01	17.28	17.28	1.94	52.98	-23.72
Dívida/Ebitda							4.8	9.98	17.17	34.79	-32.82	-48.4	9.3	5.06		1.43	1.43	-179.19	-6.2360	-149.44
NetDebt/Ebitda							4.45	9.27	12.44	27.37	-24.92	-33.17	7.52	4.01		1.13	1.13	208.15	-3.8760	-150.87
Dívida/índice								0.089	0.1011	0.1131	0.1083	0.0971	0.0974	0.092	0.0795	0.092	0.092	0.12	0.0906	-1.13
Dívida/patrimônio líquido								0.3163	0.3614	0.3546	0.3333	0.3171	0.3249	0.3017	0.2566	2.28	2.28	11.29	1.09	47.65
Dívida/lucro líquido								18.81	34.13	10.96	8.29	5.36	20.63	8.21	4.95	2.38	2.38	17.84	7.71	-35.07
Peg																3.56	3.56	-22.78	3.56	0.00
Beta															-0.5415	0.9554	1.09	0.56	0.5013	-226.26
ÍNDICE ALTMAN	0.696	0.6843	0.6721	0.7789	0.7111	0.7139		0.8316							5.15	4.54	4.54	54.77	3.16	44.77

Dividendos

Ifrs

Relatórios Anual Trimestral

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média na indústria	Média de 5 anos	CAGR 5
Div. Pagamento, bilhão	0.3	0.324	0.378	0.43	0.474	0.527	0.679	0.862	0.953			0.6905		0.6990	14.99
Dividendo			1.98	2.31	2.48	2.48	2.71	3.27	3.36	3.55	0.9655	3.63		2.77	-18.65
Div renda, AO, %			2.58	2.99	2.65	2.4	2.1	2.24	1.94	1.8	1.54	1.74	6.26	1.92	-6.01
Dividendos / lucro, %		59.89	47.73	64.47	66.85	48.71	32.85	31.05	65.5	41.49		41.49	49.12	43.92	-3.16
O coeficiente de revestimento de dividendos											3.33	3.33	14.05	3.33	0.00

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Média na indústria	Média de 5 trimestres	CAGR 5
Div. Pagamento, bilhão						0.191	0.209	0.216	0.213	0.224	0.233	0.244	0.233	0.243	0.254				0.2414	1.74
Dividendo	0.6554	0.7085	1	0.7733	0.7602	0.7373	0.8043	0.828	0.814	0.8196									0.8006	2.14
Div renda, AO, %	0.4818	0.5408	0.7159	0.5482	0.516	0.5045	0.5597	0.5578	0.5554	0.5501								6.26	0.5455	1.75
Dividendos / lucro, %						46.36	55.44	85.71	130.67	42.75	34.62	23.8	83.22	36.43	26.11			49.12	40.84	-5.49
O coeficiente de revestimento de dividendos																3.33	3.33	14.05	3.33	0.00

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Ifrs

Relatórios Anual Trimestral

	2020	2021	2022	2023	2024	LTM	CAGR 5
Capex/Receita, %	1.31	1.87	1.94	2.08	1.76	1.76	6.08
Funcionários, pessoas				29 000	30 000		1.71

	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	CAGR 5
Capex/Receita, %	1.41	1.26	1.22	1.65	1.01	-6.46

	CAGR 5

Investing Port

Intact Financial Corporation

Relatórios Intact Financial Corporation

Capitalização

Saldo contábil

Promoção

Eficiência

Coeficientes

Dividendos

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