Intact reports Q3 2025 results

Intact Financial Corporation  reported a 6% year-over-year increase in operating direct premiums written, driven by strength in commercial and personal lines, and posted a combined ratio of 89.8% with net operating income per share of $4.46.

Operating return on equity reached 19.6%, up four points from last year, while book value per share climbed 14% to $103.16. CEO Charles Brindamour highlighted the company’s consistency across cycles, emphasizing its goal to deliver 10% annual NOIPS growth and 500 basis points of ROE outperformance over the next decade.

“The strength of our platform was evident again this quarter. All our key metrics are strong and improving. Our premium growth is accelerating and our underwriting performance is excellent. I want to thank our people for the momentum they are driving. Our 20% operating ROE is indicative of our ability to successfully navigate diverse market cycles. Our rigorous focus on fundamentals positions us to continue to achieve our objectives of 500 basis points of ROE outperformance and 10% annual NOIPS growth over the next decade.” – CEO Charles Brindamour.