Overview

* Intact Financial ( IFCZF ) Q3 operating DPW grows 6%, driven by commercial and personal lines

* Combined ratio improves to 89.8%, reflecting lower catastrophe activity

* Q3 EPS of $4.73, driven by premium growth and margins

Outlook

* Company expects high-single-digit to low-double-digit premium growth in Canadian Personal lines

* Company anticipates mid-single-digit premium growth in Commercial and Specialty lines globally

* Intact Financial ( IFCZF ) aims for 10% annual NOIPS growth over the next decade

Result Drivers

* PREMIUM GROWTH - Operating DPW growth of 6% driven by momentum in Commercial lines and strong Personal lines

* COMBINED RATIO IMPROVEMENT - Combined ratio improved to 89.8% due to solid performance and lower catastrophe activity

* INCOME DRIVERS - Strong net operating income per share driven by premium growth, improved margins, and investment income

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 C$6.64

Operatin bln

g Direct

Premiums

Written

Q3 EPS C$4.73

Q3 Net C$861

Income mln

Q3 89.80%

Combined

Ratio

Q3 C$797

Operatin mln

g Income

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)