This report should not be construed as providing investment advice. It is for educational purposes only. Before making any investment decision, you should always do your own research or consult a investment professional.
While I try to be accurate, I assume no responsibility for any figure in this spreadsheet. Estimates Estimates Estimates
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Intact Financial Corp TSX: IFC OTC: IFCZF www.intactfc.com Fiscal Yr: Dec 31
Year 12/31/05 12/31/06 12/31/07 12/31/08 12/31/09 12/31/10 12/31/11 12/31/12 12/31/13 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 Value Description #Y Item
Accounting Rules C GAAP IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS Accounting Rules
$7,981 <-12 mths 1.00%
Net Premiums $3,840.2 $3,826.6 $3,932.0 $4,039.4 $4,055.4 $4,213.3 $4,907.0 $6,561.0 $6,972.0 $7,164.0 $7,490.0 $7,902.0 $8,396.0 $10,025.0 $10,450.0 106.50% <-Total Growth 10 Net Premiums In 2016
Increase 14.14% -0.35% 2.75% 2.73% 0.40% 3.89% 16.46% 33.71% 6.26% 2.75% 4.55% 5.50% 6.25% 19.40% 4.24% 7.52% <-IRR #YR-> 10 Net Premiums 106.50% Rev fr NP
5 year Running Average $3,225.9 $3,544.8 $3,800.5 $3,938.7 $4,013.3 $4,229.4 $4,755.2 $5,341.7 $5,963.5 $6,618.8 $7,217.8 $7,584.8 $8,195.4 $8,852.6 10.00% <-IRR #YR-> 5 Net Premiums 61.04% to Tot Rev
Revenue per Share $28.72 $28.61 $31.59 $33.69 $33.82 $37.56 $37.88 $49.21 $53.00 $54.46 $56.94 $60.30 $64.07 $76.50 $79.74 8.39% <-IRR #YR-> 10 5 yr Running Average 123.75% by analysts
Increase 9.67% -0.35% 10.40% 6.64% 0.40% 11.05% 0.85% 29.92% 7.71% 2.75% 4.55% 5.90% 6.25% 19.40% 4.24% 11.28% <-IRR #YR-> 5 5 yr Running Average 70.66%
5 year Running Average $24.64 $27.32 $29.76 $31.29 $33.05 $34.91 $38.43 $42.29 $46.42 $50.30 $54.78 $57.75 $62.45 $67.51 7.74% <-IRR #YR-> 10 Revenue per Share 110.73%
P/S (Price/Sales) Med 1.43 1.96 1.25 1.03 0.95 1.17 1.40 1.23 1.20 1.38 1.57 1.47 1.48 9.75% <-IRR #YR-> 5 Revenue per Share 59.20%
P/S (Price/Sales) Close 1.78 1.83 1.25 0.94 1.10 1.35 1.55 1.32 1.31 1.54 1.56 1.59 1.50 1.26 1.21 8.32% <-IRR #YR-> 10 5 yr Running Average 122.35%
*Net Premiums and other income M CDN $ P/S 10 yr 1.34 5 yr 1.54 12.39% Diff M/C 9.43% <-IRR #YR-> 5 5 yr Running Average 56.94%
$8,646 <-12 mths 2.87%
Net Investment Income $338.5 $351.2 $364.3 $345.1 $309.5 $315.0 $326.0 $388.0 $405.0 $426.0 $423 $414 17.89% <-Total Growth 10 Net Investment Income
Net investment gains (losses) $223.5 $193.5 $73.6 -$288.0 -$172.5 $63.7 $204.0 $37.0 -$83.0 $173.0 -$64 -$70 -136.17% <-Total Growth 10 Net investment gains
Share of profit from investments $16.0 $22.0 $26.0 $19.0 $26 $16 Share of profit from inv.
Other revenues $43.9 $35.0 $70.0 $35.2 $48.9 $58.9 $50.0 $88.0 $77.0 $98.0 $121 $143 308.06% <-Total Growth 10 Other revenues
Total Revenue* $4,446.1 $4,406.4 $4,439.9 $4,131.7 $4,241.3 $4,650.9 $5,503.0 $7,096.0 $7,397.0 $7,880.0 $7,996.0 $8,405.0 90.75% <-Total Growth 10 Revenue
Increase 22.43% -0.89% 0.76% -6.94% 2.65% 9.66% 18.32% 28.95% 4.24% 6.53% 1.47% 5.12% 6.67% <-IRR #YR-> 10 Revenue 90.75%
5 year Running Average $3,595.9 $3,979.8 $4,211.1 $4,333.1 $4,374.0 $4,593.4 $5,124.6 $5,777.6 $6,505.4 $7,174.4 $7,754.8 8.84% <-IRR #YR-> 5 Revenue 52.73%
Revenue per Share $33.25 $32.95 $35.67 $34.46 $35.37 $41.46 $42.48 $53.22 $56.23 $59.90 $60.79 $64.14 7.99% <-IRR #YR-> 10 5 yr Running Average 115.65%
Increase 17.64% -0.89% 8.26% -3.40% 2.65% 17.21% 2.45% 25.29% 5.66% 6.53% 1.47% 5.51% 11.04% <-IRR #YR-> 5 5 yr Running Average 68.83%
5 year Running Average $27.44 $30.66 $32.92 $34.34 $35.98 $37.89 $41.40 $45.75 $50.66 $54.52 $58.86 6.89% <-IRR #YR-> 10 Revenue per Share 94.65%
P/S (Price/Sales) Med 1.24 1.70 1.11 1.00 0.90 1.06 1.25 1.13 1.13 1.25 1.47 1.38 8.59% <-IRR #YR-> 5 Revenue per Share 50.99%
P/S (Price/Sales) Close 1.54 1.59 1.11 0.92 1.05 1.23 1.38 1.22 1.23 1.40 1.46 1.50 7.93% <-IRR #YR-> 10 5 yr Running Average 114.45%
*Net Premiums and other income M CDN $ P/S 10 yr 1.23 5 yr 1.40 9.21% <-IRR #YR-> 5 5 yr Running Average 55.35%
-$4,406.4 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $8,405.0
-$5,503.0 $0.0 $0.0 $0.0 $0.0 $8,405.0
-$3,595.9 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $7,754.8
-$4,593.4 $0.0 $0.0 $0.0 $0.0 $7,754.8
-$32.95 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $64.14
-$42.48 $0.00 $0.00 $0.00 $0.00 $64.14
-$27.44 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $58.86
-$37.89 $0.00 $0.00 $0.00 $0.00 $58.86
$3.94 <-12 mths -0.76%
EPS Basic $5.85 $4.92 $4.01 $1.05 $1.06 $3.65 $3.96 $4.33 $3.10 $5.79 $5.20 $3.97 -19.31% <-Total Growth 10 EPS Basic
EPS Diluted* $5.85 $4.92 $4.01 $1.05 $1.06 $3.65 $3.96 $4.33 $3.10 $5.79 $5.20 $3.97 $6.02 $7.03 $7.47 -19.31% <-Total Growth 10 EPS Diluted
Increase -9.86% -15.90% -18.50% -73.82% 0.95% 244.34% 8.49% 9.34% -28.41% 86.77% -10.19% -23.65% 51.64% 16.78% 6.26% -2.12% <-IRR #YR-> 10 Earnings per Share -19.31%
Earnings Yield 11.4% 9.4% 10.1% 3.3% 2.9% 7.2% 6.8% 6.7% 4.5% 6.9% 5.9% 4.1% 6.3% 7.3% 7.8% 0.05% <-IRR #YR-> 5 Earnings per Share 0.25%
5 year Running Average $3.82 $4.58 $4.46 $3.38 $2.94 $2.75 $2.81 $3.22 $4.17 $4.48 $4.48 $4.82 $5.60 $5.94 1.60% <-IRR #YR-> 10 5 yr Running Average 17.23%
10 year Running Average $3.28 $3.69 $3.84 $3.77 $3.71 $3.61 $3.81 $4.41 $5.05 10.27% <-IRR #YR-> 5 5 yr Running Average 63.07%
* ESP per share E/P 10 Yrs 6.27% 5Yrs 5.86%
-$4.92 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $3.97
-$3.96 $0.00 $0.00 $0.00 $0.00 $3.97
-$3.82 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $4.48
-$2.75 $0.00 $0.00 $0.00 $0.00 $4.48
Special Dividends $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 <-Median-> 10 Special Dividends
Dividends* $0.65 $1.00 $1.08 $1.24 $1.28 $1.36 $1.48 $1.60 $1.76 $1.92 $2.12 $2.32 $2.56 $2.56 $2.56 132.00% <-Total Growth 10 Dividends
Increase 53.85% 8.00% 14.81% 3.23% 6.25% 8.82% 8.11% 10.00% 9.09% 10.42% 9.43% 10.34% 0.00% 0.00% Count 12 Years of data
Dividends 5 Yr Running $1.05 $1.19 $1.29 $1.39 $1.50 $1.62 $1.78 $1.94 $2.14 $2.30 $2.42 63.09% <-Total Growth 7 Dividends 5 Yr Running
Yield H/L Price 1.58% 1.79% 2.73% 3.59% 4.00% 3.09% 2.79% 2.65% 2.77% 2.56% 2.37% 2.62% 2.71% 2.75% <-Median-> 10 Yield H/L Price
Yield on High Price 1.22% 1.63% 2.00% 2.88% 3.38% 2.63% 2.51% 2.46% 2.54% 2.29% 2.21% 2.39% 2.64% 2.49% <-Median-> 10 Yield on High Price
Yield on Low Price 2.24% 1.97% 3.02% 4.76% 4.89% 3.74% 3.13% 2.87% 3.06% 2.90% 2.56% 2.91% 2.78% 3.04% <-Median-> 10 Yield on Low Price
Yield on Close Price 1.27% 1.91% 2.73% 3.92% 3.45% 2.67% 2.53% 2.47% 2.54% 2.29% 2.39% 2.41% 2.66% 2.66% 2.66% 2.53% <-Median-> 10 Yield on Close Price
Payout Ratio EPS 11.11% 20.33% 26.93% 118.10% 120.75% 37.26% 37.37% 36.95% 56.77% 33.16% 40.77% 58.44% 42.52% 36.42% 34.27% 39.07% <-Median-> 10 DPR EPS
DPR EPS 5 Yr Running 31.08% 40.57% 46.90% 49.54% 46.46% 38.98% 39.68% 43.41% 44.35% 40.99% 40.82% 41.99% <-Median-> 8 DPR EPS 5 Yr Running
Payout Ratio CFPS 13.65% 31.03% 21.67% 23.99% 28.53% 30.48% 36.25% 29.51% 125.14% 18.33% 31.37% 32.87% 36.15% 29.99% <-Median-> 10 DPR CF
DPR CF 5 Yr Running 23.21% 26.70% 27.78% 29.46% 37.66% 31.41% 31.55% 31.23% 32.58% 30.35% <-Median-> 8 DPR CF 5 Yr Running
Payout Ratio CFPS WC 18.33% 21.78% 19.60% 23.51% 25.10% 22.79% 36.59% 28.52% 38.78% 22.47% 29.02% 37.67% 19.28% 26.81% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running 21.86% 22.54% 24.87% 26.77% 29.61% 28.29% 29.56% 30.23% 26.82% 27.53% <-Median-> 8 DPR CF WC 5 Yr Running
Median Values 5 Yr Med 5 Yr Cl 2.62% 2.41% 5 Yr Med Payout 40.77% 31.37% 29.02% 8.78% <-IRR #YR-> 10 Dividends 132.00%
* Dividends per share 5 Yr Med and Cur. 1.57% 10.30% Last Div Inc ---> $0.58 $0.64 10.3% 9.41% <-IRR #YR-> 5 Dividends 56.76%
-$1.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2.32
-$1.48 $0.00 $0.00 $0.00 $0.00 $2.32
Historical Dividends Historical High Div 4.85% Low Div 1.34% Ave Div 3.10% Med Div 2.69% Close Div 2.50% Historical Dividends
High/Ave/Median Values Curr diff Exp. -45.10% 98.72% Exp. -13.96% Exp. -1.01% Cheap 6.53% High/Ave/Median
Future Dividend Yield Div Yd 3.91% earning in 5 Years at IRR of 8.00% Div Inc. 46.93% Future Dividend Yield
Future Dividend Yield Div Yd 5.75% earning in 10 Years at IRR of 8.00% Div Inc. 115.89% Future Dividend Yield
Future Dividend Yield Div Yd 8.45% earning in 15 Years at IRR of 8.00% Div Inc. 217.22% Future Dividend Yield
Cost cover if held 5 years 18.88% 14.48% 11.51% 17.57% 21.66% 25.38% 20.16% 18.30% 17.69% 18.09% 16.15% 18.59% <-Median-> 8 Paid Median Price
Cost cover if held 10 years 48.09% 36.05% 28.87% 44.52% 54.90% 63.26% 36.05% <-Median-> 3 Paid Median Price
Cost cover if held 15 years 91.69% #NUM! <-Median-> 0 Paid Median Price
Cost cover if held 20 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
H/LYield held 5 yrs 4.60% 3.30% 2.64% 4.04% 5.10% 6.00% 4.81% 4.37% 4.24% 4.03% 3.41% 4.49% <-Median-> 8 Paid Median Price
H/LYield held 10 yrs 6.91% 5.15% 4.14% 6.46% 7.41% 8.00% 5.15% <-Median-> 3 Paid Median Price
H/LYield held 15 yrs 9.21% #NUM! <-Median-> 0 Paid Median Price
H/LYield held 20 yrs #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Graham No. $53.36 $53.21 $47.95 $22.77 $24.36 $47.41 $51.47 $56.73 $48.66 $70.13 $68.26 $61.78 $76.43 $82.59 $85.14 16.09% <-Total Growth 10 Graham Price
Change 10.29% -0.27% -9.89% -52.50% 6.95% 94.64% 8.57% 10.21% -14.23% 44.13% -2.66% -9.50% 23.72% 8.06% 3.08% 2.14% <-Median-> 10 Graham Price
Price/GP Ratio Med 0.77 1.05 0.83 1.52 1.31 0.93 1.03 1.06 1.30 1.07 1.31 1.43 1.24 1.19 <-Median-> 10 Price/GP Ratio
Price/GP Ratio High 1.00 1.15 1.12 1.89 1.55 1.09 1.15 1.14 1.43 1.20 1.41 1.57 1.27 1.30 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Low 0.54 0.95 0.75 1.14 1.07 0.77 0.92 0.98 1.18 0.94 1.21 1.29 1.20 1.03 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Close 0.96 0.99 0.83 1.39 1.53 1.07 1.14 1.14 1.43 1.20 1.30 1.56 1.26 1.16 1.13 1.25 <-Median-> 10 Price/GP Ratio
Prem/Disc Close -3.95% -1.49% -17.37% 38.79% 52.52% 7.28% 13.72% 14.18% 42.57% 19.56% 29.91% 55.56% 25.79% 16.40% 12.92% 24.74% <-Median-> 10 Graham Price
Price Close $51.25 $52.42 $39.62 $31.61 $37.15 $50.86 $58.53 $64.77 $69.37 $83.85 $88.68 $96.10 $96.14 $96.14 $96.14 83.33% <-Total Growth 10 Stock Price
Increase 74.85% 2.28% -24.42% -20.22% 17.53% 36.90% 15.08% 10.66% 7.10% 20.87% 5.76% 8.37% 0.04% 0.00% 0.00% 6.25% <-IRR #YR-> 10 Stock Price 83.33%
P/E 8.76 10.65 9.88 30.10 35.05 13.93 14.78 14.96 22.38 14.48 17.05 24.21 15.97 13.68 12.87 10.43% <-IRR #YR-> 5 Stock Price 64.19%
Trailing P/E 7.90 8.96 8.05 7.88 35.38 47.98 16.04 16.36 16.02 27.05 15.32 18.48 24.22 15.97 13.68 8.53% <-IRR #YR-> 10 Price & Dividend
Median 10, 5 Yrs D. per yr 2.28% 2.70% % Tot Ret 26.72% 20.58% Price Inc 8.37% P/E: 16.01 17.05 13.13% <-IRR #YR-> 5 Price & Dividend
14.78 P/E Ratio Historical Median
-$52.42 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $96.10
-$58.53 $0.00 $0.00 $0.00 $0.00 $96.10
-$52.42 $1.08 $1.24 $1.28 $1.36 $1.48 $1.60 $1.76 $1.92 $2.12 $98.42
-$58.53 $1.60 $1.76 $1.92 $2.12 $98.42
Price H/L Median $41.16 $55.98 $39.62 $34.54 $32.00 $44.05 $53.13 $60.39 $63.45 $75.06 $89.40 $88.50 $94.58 \ 58.10% <-Total Growth 10 Stock Price
Increase 48.06% 35.99% -29.22% -12.83% -7.35% 37.68% 20.60% 13.68% 5.06% 18.30% 19.11% -1.01% 6.87% 2.66% 4.69% <-IRR #YR-> 10 Stock Price 58.10%
P/E 7.04 11.38 9.88 32.89 30.18 12.07 13.42 13.95 20.47 12.96 17.19 22.29 15.71 2.66% 10.74% <-IRR #YR-> 5 Stock Price 66.58%
Trailing P/E 6.34 9.57 8.05 8.61 30.47 41.56 14.55 15.25 14.65 24.21 15.44 17.02 23.82 6.97% <-IRR #YR-> 10 Price & Dividend
P/E on Run. 5 yr Ave 14.65 8.66 7.74 9.47 14.99 19.35 21.49 19.70 18.02 19.97 19.76 19.64 13.70% <-IRR #YR-> 5 Price & Dividend
P/E on Run. 10 yr Ave 16.18 16.35 16.51 19.90 24.12 24.50 24.80 13.42 P/E Ratio Historical Median
Median 10, 5 Yrs D. per yr 2.28% 2.96% % Tot Ret 32.75% 21.60% Price Inc 13.68% P/E: 15.57 17.19 Count 13 Years of data
-$55.98 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $88.50
-$53.13 $0.00 $0.00 $0.00 $0.00 $88.50
-$55.98 $1.08 $1.24 $1.28 $1.36 $1.48 $1.60 $1.76 $1.92 $2.12 $90.82
-$53.13 $1.60 $1.76 $1.92 $2.12 $90.82
High Months Q4 Q1 Q1 Q3 Q4 Q4 Oct Dec Dec Dec Oct Dec Jan
Price High $53.35 $61.30 $53.92 $43.04 $37.82 $51.73 $59.00 $64.94 $69.37 $83.85 $96.01 $97.13 $97.15 58.45% <-Total Growth 10 Stock Price
Increase 80.24% 14.90% -12.04% -20.18% -12.13% 36.78% 14.05% 10.07% 6.82% 20.87% 14.50% 1.17% 0.02% 4.71% <-IRR #YR-> 10 Stock Price 58.45%
P/E 9.12 12.46 13.45 40.99 35.68 14.17 14.90 15.00 22.38 14.48 18.46 24.47 16.14 10.48% <-IRR #YR-> 5 Stock Price 64.63%
Trailing P/E 8.22 10.48 10.96 10.73 36.02 48.80 16.16 16.40 16.02 27.05 16.58 18.68 24.47 14.90 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc 10.07% P/E: 16.73 18.46 26.71 P/E Ratio Historical High
-$61.30 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $97.13
-$59.00 $0.00 $0.00 $0.00 $0.00 $97.13
Low Mths Q1 Q2 Q4 Q4 Q1 Q1 Mar Jan Jun Feb Jan Feb May
Price Low $28.97 $50.65 $35.74 $26.03 $26.17 $36.37 $47.25 $55.84 $57.52 $66.26 $82.79 $79.86 $92.00 57.67% <-Total Growth 10 Stock Price
Increase 11.42% 74.84% -29.44% -27.17% 0.54% 38.98% 29.91% 18.18% 3.01% 15.19% 24.95% -3.54% 15.20% 4.66% <-IRR #YR-> 10 Stock Price 57.67%
P/E 4.95 10.29 8.91 24.79 24.69 9.96 11.93 12.90 18.55 11.44 15.92 20.12 15.28 11.07% <-IRR #YR-> 5 Stock Price 69.02%
Trailing P/E 4.46 8.66 7.26 6.49 24.92 34.31 12.95 14.10 13.28 21.37 14.30 15.36 23.17 11.93 P/E Ratio Historical Median
Median 10, 5 Yrs Price Inc 15.19% P/E: 14.41 15.92 8.12 P/E Ratio Historical Low
-$50.65 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $79.86
Long Term Debt $1,143 $1,143 $1,393 $1,393 Debt
Change 0.00% 21.87% 0.00% 10.94% <-Median-> 2 Change
Debt/Market Cap Ratio 0.10 0.10 0.11 0.11 0.10 <-Median-> 3 Debt/Market Cap Ratio
Goodwill & Intangibles $1,862 $2,076 $2,117 $2,304 $2,453 $2,705 $2,720 Intangibles Goodwill
Change 11.49% 1.97% 8.83% 6.47% 10.27% 0.55% 8.83% <-Median-> 5 Change
Intangible/Market Cap Ratio 0.25 0.24 0.23 0.21 0.21 0.21 0.22 0.22 <-Median-> 6 Intangible/Market Cap Ratio
Market Cap $6,854 $7,010 $4,932 $3,790 $4,455 $5,705 $7,583 $8,636 $9,125 $11,030 $11,665 $12,594 $12,599 $12,599 $12,599 155.37% <-Total Growth 10 Market Cap
Diluted # of Shares in Million 115.097 115.308 130.772 132.368 131.543 131.5 131.2 131.0 #DIV/0! <-Total Growth 6 Diluted
Change 0.18% 13.41% 1.22% -0.62% -0.03% -0.23% -0.15% 0.08% <-Median-> 6 Change
Basic # of Shares in Millions 133.550 133.730 126.700 122.700 119.910 115.097 115.308 130.772 132.368 131.543 131.5 131.2 131.000 -1.89% <-Total Growth 10 Basic
Change 39.38% 0.13% -5.26% -3.16% -2.27% -4.01% 0.18% 13.41% 1.22% -0.62% -0.03% -0.23% -0.15% -0.43% <-Median-> 10 Change
Difference 0.1% 0.0% -1.8% -2.3% 0.0% -2.5% 12.4% 2.0% -0.6% 0.0% 0.0% -0.1% 0.0% -0.06% <-Median-> 10 Difference
$928 <-12 mths 0.32%
# of Share in Millions 133.732 133.732 124.473 119.907 119.907 112.180 129.554 133.334 131.543 131.543 131.543 131.050 131.050 131.050 131.050 -2.01% <-IRR #YR-> 10 Shares -2.01%
Change 4.07% 0.00% -6.92% -3.67% 0.00% -6.44% 15.49% 2.92% -1.34% 0.00% 0.00% -0.37% 0.00% 0.00% 0.00% 0.23% <-IRR #YR-> 5 Shares 1.16%
Cash Flow from Operations $M $637.0 $430.9 $620.3 $619.7 $538.0 $500.5 $529.0 $723.0 $185.0 $1,378 $889 $925 $928 <-12 mths 114.65% <-Total Growth 10 Cash Flow
Increase -54.07% -32.35% 43.94% -0.10% -13.18% -6.97% 5.69% 36.67% -74.41% 644.86% -35.49% 4.05% 0.32% <-12 mths Buy Backs S. Issued
5 year Running Average $729.4 $739.0 $569.2 $541.9 $561.5 $582.0 $495.1 $663.1 $740.8 $820.0 $861.0 <-12 mths 10.97% <-Total Growth 9 CF 5 Yr Running
CFPS $4.76 $3.22 $4.98 $5.17 $4.49 $4.46 $4.08 $5.42 $1.41 $10.48 $6.76 $7.06 $7.08 <-12 mths 119.04% <-Total Growth 10 Cash Flow per Share
Increase -55.87% -32.35% 54.65% 3.71% -13.18% -0.56% -8.48% 32.80% -74.06% 644.86% -35.49% 4.44% 0.32% <-12 mths 7.94% <-IRR #YR-> 10 Cash Flow 114.65%
5 year Running Average $5.64 $5.79 $4.52 $4.46 $4.64 $4.72 $3.97 $5.17 $5.63 $6.22 $6.56 <-12 mths 11.82% <-IRR #YR-> 5 Cash Flow 74.86%
P/CF on Med Price 8.64 17.37 7.95 6.68 7.13 9.87 13.01 11.14 45.11 7.16 13.23 12.54 13.36 <-12 mths 8.16% <-IRR #YR-> 10 Cash Flow per Share 119.04%
P/CF on Closing Price 10.76 16.27 7.95 6.12 8.28 11.40 14.33 11.94 49.33 8.00 13.12 13.62 13.58 <-12 mths 11.57% <-IRR #YR-> 5 Cash Flow per Share 72.86%
29.24% Diff M/C 1.10% <-IRR #YR-> 9 CFPS 5 yr Running #DIV/0!
Excl.Working Capital CF -$162.9 $183.2 $65.6 $12.6 $73.4 $169.0 -$5.0 $25.0 $412.0 -$254 $72 -$118 $812 <-12 mths 0.62% 6.07% <-IRR #YR-> 5 CFPS 5 yr Running 34.24%
CF fr Op $M WC $474.1 $614.1 $685.9 $632.3 $611.4 $669.5 $524.0 $748.0 $597.0 $1,124 $961 $807 $1,740 <-12 mths 31.41% <-Total Growth 10 Cash Flow less WC
Increase -61.49% 29.53% 11.69% -7.81% -3.31% 9.50% -21.73% 42.75% -20.19% 88.27% -14.50% -16.02% 115.61% <-12 mths 2.77% <-IRR #YR-> 10 Cash Flow less WC 31.41%
5 year Running Average $711.5 $727.5 $603.6 $642.6 $624.6 $637.0 $630.0 $733 $791 $847 $1,046 <-12 mths 9.02% <-IRR #YR-> 5 Cash Flow less WC 54.01%
CFPS Excl. WC $3.55 $4.59 $5.51 $5.27 $5.10 $5.97 $4.04 $5.61 $4.54 $8.54 $7.31 $6.16 $13.28 <-12 mths 1.96% <-IRR #YR-> 9 CF less WC 5 Yr Run #DIV/0!
Increase -63.00% 29.53% 20.00% -4.30% -3.31% 17.05% -32.23% 38.70% -19.10% 88.27% -14.50% -15.71% 115.61% <-12 mths 6.29% <-IRR #YR-> 5 CF less WC 5 Yr Run 35.67%
5 year Running Average $4.65 $5.70 $4.80 $5.29 $5.18 $5.20 $5.05 $5.74 $6.01 $6.43 $7.96 <-12 mths 2.98% <-IRR #YR-> 10 CFPS - Less WC 34.10%
P/CF on Med Price 11.61 12.19 7.19 6.55 6.27 7.38 13.13 10.76 13.98 8.78 12.24 14.37 7.12 <-12 mths 8.77% <-IRR #YR-> 5 CFPS - Less WC 52.25%
P/CF on Closing Price 14.46 11.42 7.19 5.99 7.29 8.52 14.47 11.55 15.29 9.81 12.14 15.61 7.24 <-12 mths 3.68% <-IRR #YR-> 9 CFPS 5 yr Running #DIV/0!
*Operational Cash Flow per share CF/-WC P/CF Med 10 yr 10.51 5 yr 12.54 P/CF Med 10 yr 9.77 5 yr 12.24 -25.92% Diff M/C 4.43% <-IRR #YR-> 5 CFPS 5 yr Running 24.18%
-$3.22 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $7.06 Cash Flow per Share
-$4.08 $0.00 $0.00 $0.00 $0.00 $7.06 Cash Flow per Share
-$5.64 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $6.22 CFPS 5 yr Running
-$4.64 $0.00 $0.00 $0.00 $0.00 $6.22 CFPS 5 yr Running
-$614.1 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $807.0 Cash Flow less WC
-$524.0 $0.0 $0.0 $0.0 $0.0 $807.0 Cash Flow less WC
-$711.5 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $847.4 CF less WC 5 Yr Run
-$624.6 $0.0 $0.0 $0.0 $0.0 $847.4 CF less WC 5 Yr Run
-$4.59 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $6.16 CFPS - Less WC
-$4.04 $0.00 $0.00 $0.00 $0.00 $6.16 CFPS - Less WC
OPM 14.33% 9.78% 13.97% 15.00% 12.68% 10.76% 9.61% 10.19% 2.50% 17.49% 11.12% 11.01% 12.53% <-Total Growth 10 OPM
Increase -62.48% -31.74% 42.85% 7.36% -15.43% -15.16% -10.67% 5.99% -75.45% 599.21% -36.42% -1.01% Should increase or be stable.
Diff from Median 29.5% -11.6% 26.3% 35.6% 14.7% -2.7% -13.1% -7.9% -77.4% 58.1% 0.5% -0.5% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs 11.06% 5 Yrs 11.01% should be zero, it is a check on calculations
Current Assets $2,350.2 $1,544.0 $1,495.1 $2,014.5 $1,743.6 $1,942.8 $2,759.0 $3,076.0 $3,262.0 $2,862 $3,204 $3,483 $3,203 Liquidity ratio of 1.5 and up, best
Current Liabilities $883.4 $24.0 $32.5 $7.4 $102.5 $77.7 $1,470.0 $1,589.0 $1,322.0 $1,422 $1,503 $1,872 $1,660 2.07 <-Median-> 10 Ratio
Liquidity Ratio 2.66 64.33 46.00 272.23 17.01 25.00 1.88 1.94 2.47 2.01 2.13 1.86 1.93 2.01 <-Median-> 5 Ratio
Liq. with CF aft div 3.28 76.72 60.95 335.88 20.76 29.48 2.11 2.26 2.43 2.80 2.54 2.19 2.29 2.43 <-Median-> 5 Ratio
Liq. CF re Inv+Div 2.47 4.50 14.94 335.88 1.59 22.31 0.81 1.66 2.43 1.59 1.89 1.56 2.29 1.89 <-Median-> 5 Ratio
Assets $9,927 $10,377 $10,390 $9,773 $11,351 $12,149 $19,753 $19,813 $19,774 $20,580 $21,236 $22,991 $22,545 Debt Ratio of 1.5 and up, best
Liabilities $7,034 $6,957 $7,218 $7,141 $8,369 $9,079 $15,412 $14,920 $14,820 $15,125 $15,508 $16,903 $16,404 1.36 <-Median-> 10 Ratio
Debt Ratio 1.41 1.49 1.44 1.37 1.36 1.34 1.28 1.33 1.33 1.36 1.37 1.36 1.37 1.36 <-Median-> 5 Ratio
Total Book Value $2,893 $3,421 $3,172 $2,633 $2,983 $3,070 $4,341 $4,893 $4,954 $5,455 $5,728 $6,088 $6,141
Preferred Shares $0 $0 $0 $0 $0 $0 $489 $489 $489 $489 $489 $489 $489
Book Value $2,893 $3,421 $3,172 $2,633 $2,983 $3,070 $3,852 $4,404 $4,465 $4,966 $5,239 $5,599 $5,652 $5,652 $5,652 63.68% <-Total Growth 10 Book Value
Book Value per Share $21.63 $25.58 $25.48 $21.96 $24.87 $27.37 $29.73 $33.03 $33.94 $37.75 $39.83 $42.72 $43.13 $43.13 $43.13 67.03% <-Total Growth 10 Book Value per Share
Increase 34.95% 18.26% -0.37% -13.85% 13.29% 10.02% 8.64% 11.09% 2.77% 11.22% 5.50% 7.27% 0.95% 0.00% 0.00% 21.92% P/B Ratio Current/Historical Median
P/B Ratio (Median) 1.90 2.19 1.55 1.57 1.29 1.61 1.79 1.83 1.87 1.99 2.24 2.07 2.19 1.83 P/B Ratio Historical Median
P/B Ratio (Close) 2.37 2.05 1.55 1.44 1.49 1.86 1.97 1.96 2.04 2.22 2.23 2.25 2.23 2.23 2.23 5.26% <-IRR #YR-> 10 Book Value per Share 67.03%
Change 29.57% -13.51% -24.14% -7.39% 3.73% 24.43% 5.93% -0.39% 4.22% 8.68% 0.25% 1.02% -0.90% 7.52% <-IRR #YR-> 5 Book Value per Share 43.69%
Leverage (A/BK) 3.43 3.03 3.28 3.71 3.81 3.96 4.55 4.05 3.99 3.77 3.71 3.78 3.67 3.79 <-Median-> 10 A/BV
Debt/Equity Ratio 2.43 2.03 2.28 2.71 2.81 2.96 3.55 3.05 2.99 2.77 2.71 2.78 2.67 2.79 <-Median-> 10 Debt/Eq Ratio
Sharerholders Equity (Assets less liabilities) P/BV 10 yr Med 1.81 5 yr Med 1.99 23.32% Diff M/C 3.79 Historical 14 A/BV
-$25.58 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $42.72
-$29.73 $0.00 $0.00 $0.00 $0.00 $42.72
$764 <-12 mths 5.09%
Comprehensive Income $281 -$200 $508 $571 $251 $561 $436 $785 $575 $727 158.81% <-Total Growth 9 Comprehensive Income
Increase -171.06% 354.71% 12.29% -56.03% 123.51% -22.28% 80.05% -26.75% 26.43% 26.43% <-Median-> 5 Comprehensive Income
5 Yr Running Average $282 $338 $465 $521 $522 $617 11.14% <-IRR #YR-> 9 Comprehensive Income #DIV/0!
ROE 8.9% -7.6% 17.0% 18.6% 5.8% 11.5% 8.8% 14.4% 10.0% 11.9% 23.70% <-IRR #YR-> 5 Comprehensive Income 189.64%
5Yr Median 13.0% 8.9% 11.5% 11.5% 11.5% 10.0% 11.5% 16.92% <-IRR #YR-> 5 5 Yr Running Average #DIV/0!
% Difference from NI -44.7% -255.7% 301.3% 36.0% -46.0% -4.4% 1.2% 0.4% -18.6% 34.4% 16.92% <-IRR #YR-> 5 5 Yr Running Average 118.48%
Median Values Diff 5, 10 yr -2.0% 0.4% 11.5% <-Median-> 5 Return on Equity
-$280.9 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $727.0
-$251.0 $0.0 $0.0 $0.0 $0.0 $727.0
-$282.3 $0.0 $0.0 $0.0 $0.0 $616.8
-$282.3 $0.0 $0.0 $0.0 $0.0 $616.8
Current Liability Coverage Ratio 0.54 25.59 21.10 85.45 5.96 8.62 0.36 0.47 0.45 0.79 0.64 0.43 1.05 CF - WC CFO / Current Liabilities
5 year Median 1.60 21.10 21.10 21.10 8.62 5.96 0.47 0.47 0.47 0.47 0.64 0.47 <-Median-> 5 Current Liability Cov Ratio
Current Liability Coverage Ratio 0.72 17.96 19.09 83.74 5.25 6.44 0.36 0.46 0.14 0.97 0.59 0.49 0.56 CFO / Current Liabilities
5 year Median 1.80 17.96 17.96 17.96 6.44 5.25 0.46 0.46 0.46 0.49 0.56 0.49 <-Median-> 5 Current Liability Cov Ratio
Asset Efficiency Ratio 6.42% 4.15% 5.97% 6.34% 4.74% 4.12% 2.68% 3.65% 0.94% 6.70% 4.19% 4.02% 4.12% CFO / Total Assets
5 year Median 6.42% 6.34% 5.97% 4.74% 4.74% 4.12% 3.65% 3.65% 3.65% 4.02% 4.12% 4.0% <-Median-> 5 Return on Assets
Return on Assets ROA 7.9% 6.3% 4.9% 1.3% 1.1% 3.5% 2.4% 3.0% 2.2% 3.8% 3.3% 2.4% 3.5% Net Income/Assets Return on Assets
5Yr Median 6.3% 6.3% 4.9% 3.5% 2.4% 2.4% 2.4% 3.0% 3.0% 3.0% 3.3% 2.7% <-Median-> 10 Asset Efficiency Ratio
Return on Equity ROE 27.0% 19.2% 16.0% 4.9% 4.2% 13.7% 10.7% 12.0% 8.7% 14.3% 12.3% 8.9% 12.7% Net Inc/ Shareholders' equity Return on Equity
5Yr Median 19.2% 19.2% 16.0% 13.7% 10.7% 10.7% 10.7% 12.0% 12.0% 12.0% 12.3% 11.4% <-Median-> 10 Return on Equity
$535 <-12 mths -1.11%
Net Income $781.78 $658.05 $508.30 $128.20 $126.70 $419.80 $465 $587 $431 $782 $706 $541 $780 $962 $1,028 -17.79% <-Total Growth 10 Net Income
Increase 25.26% -15.83% -22.76% -74.78% -1.17% 231.33% 10.77% 26.24% -26.58% 81.44% -9.72% -23.37% 44.18% 23.33% 6.86% EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $544.6 $540.1 $440.6 $368.2 $329.6 $345.3 $405.9 $537.0 $594.2 $609.4 $648.0 $754.2 $803.4 -1.94% <-IRR #YR-> 10 Net Income -17.79%
Operating Cash Flow $637.00 $430.94 $620.30 $619.70 $538.00 $500.50 $529 $723 $185 $1,378 $889 $925 3.07% <-IRR #YR-> 5 Net Income 16.34%
Investment Cash Flow -$291.9 -$385.4 -$100.1 $209.6 -$1,232.6 -$25.0 -$2,346 -$576 $139 -$1,089 -$520 -$759 1.26% <-IRR #YR-> 9 5 Yr Running Ave. #DIV/0!
Total Accruals $436.64 $612.51 -$11.90 -$701.10 $821.30 -$55.70 $2,282 $440 $107 $493 $337 $375 13.08% <-IRR #YR-> 5 5 Yr Running Ave. 84.89%
Total Assets $9,927 $10,377 $10,390 $9,773 $11,351 $12,149 $19,753 $19,813 $19,774 $20,580 $21,236 $22,991 Balance Sheet Assets
Accruals Ratio 4.40% 5.90% -0.11% -7.17% 7.24% -0.46% 11.55% 2.22% 0.54% 2.40% 1.59% 1.63% 1.63% <-Median-> 5 Ratio
EPS/CF Ratio 1.65 1.07 0.73 0.20 0.21 0.61 0.98 0.77 0.68 0.68 0.71 0.64 0.68 <-Median-> 10 EPS/CF Ratio
-$658 $0 $0 $0 $0 $0 $0 $0 $0 $0 $541
-$465 $0 $0 $0 $0 $541
-$545 $0 $0 $0 $0 $0 $0 $0 $0 $609
-$330 $0 $0 $0 $0 $609
Chge in Close 74.85% 2.28% -24.42% -20.22% 17.53% 36.90% 15.08% 10.66% 7.10% 20.87% 5.76% 8.37% 0.04% 0.00% 0.00% Count 15 Years of data
up/down/neutral down down up down down Count 5 33.33%
Any Predictions? Yes yes % right Count 2 40.00%
Financial Cash Flow -$86.93 -$260.73 -$638.10 -$327.00 $244.30 -$397.80 $1,885 -$181 -$397 -$299 -$317 -$139 C F Statement Financial CF
Total Accruals $523.56 $873.24 $626.20 -$374.10 $577.00 $342.10 $397 $621 $504 $792 $654 $514 Accruals
Accruals Ratio 5.27% 8.41% 6.03% -3.83% 5.08% 2.82% 2.01% 3.13% 2.55% 3.85% 3.08% 2.24% 3.08% <-Median-> 5 Ratio
Cash $60.1 $137.8 $206 $172 $99 $89 $141 $168 $88 Cash
Cash per Share $0.50 $1.23 $1.59 $1.29 $0.75 $0.68 $1.07 $1.28 $0.67 $1.07 <-Median-> 5 Cash per Share
Percentage of Stock Price 1.35% 2.42% 2.72% 1.99% 1.08% 0.81% 1.21% 1.33% 0.70% 1.21% <-Median-> 5 % of Stock Price
Notes:
June 27, 2017. Last estimates were for 2016, 2017 and 2018 of $8068M, $8508M and $9153M for Revenue, $5.79, $7.09 and $7.61 for EPS,
and $725M and $942M for Net Income for 2016 and 2017.
June 25, 2016. Last estimates were for 2015, 2016 and 2017 of $7766M, $8032M and $8751M for Net Premiums, $6.38, $6.78 and $7.38 for EPS,
$5.56, and $6.90 for CFPS for 2015 and 2016 and $851M and $879M for Net Income for 2015 and 2016.
July 4, 2015. Last estimates were for 2014 and 2015 of $7196.1M and $7345.0M for Revenue, $5.56, $6.28 and $7.24 for ESP for 2014 to 2016 and $763M, $820M and $964M for Net Income for 2014 to 2016.
June 28, 2014. Last estimtes were for 2013 and 2014 of $7098M and $7368M for Revenue and $6.12 and $6.76 for EPS.
February 2013. Last estimates were for 2011 and 2012 of $5627M and $6585M for Revenue, $3.95 and $5.63 for EPS.
This company was formerly the ING Group subsidiary ING Canada. Looks like it went public 10 Dec 2004
Intact Financial dates back 200 years with Halifax Fire Insurance Association being the starting point in the company's transformation through acquisitions.
However, the more recent history has Intact making a number of acquisitions since the 90s as ING Group (NYSE:ING). The start of Intact was really started
with the takeover of Allianz Canada by ING Group in 2004 when ING formed a new company on the TSX where it held 70% of the stocks. That company then became independent of the
ING Group in 2009 and got its most recent name of Intact Financial.
Sector:
Insurance, Finance
What should this stock accomplish?
I would expect moderate dividend yields and moderate dividend growth over the longer term.
This company sells general insurance and this industry can be volitile.
Would I buy this company and Why.
Yes. It is a dividend growth company with good debt ratios.
Why am I following this stock.
I am following this stock because in November 2011, the TD Bank put out a special report on the merits of dividend investing. At the end of the report they listed a number of Canadian stocks as Equity Yield ideas.
This was one stock listed that I did not follow.
This and Wajax are from TD Report on dividend investing.
See article
http://www.theglobeandmail.com/globe-investor/investment-ideas/strategy-lab/dividend-investing/dividend-growth-stocks-to-buy-and-hold/article15747463/?cmpid=rss1&click=dlvr.it#dashboard/follows/hold/article15747463/?cmpid=rss1&click=dlvr.it#dashboard/follows/
In a column by John Heinzl dated December 2013 he gave five dividend growth stocks to buy and hold. He liked the following stocks:
Bank of Nova Scotia (BNS); TransCanada (TRP); Intact Financial (IFC); Saputo (SAP); Canadian Natural Resources (CNQ)
He said these stocks had blue chip value of a solid balance sheet; an attractive valuation; a leadership position in the industry; above-average profitability; and long-term earnings and dividend growth.
You cannot access this column without paying for G&M.
Dividends
Dividends are paid in Cycle 3, that is March, June September and December. Dividends are declared in the middle of a month for shareholders of record and paid at the end of the month.
For example, the dividend dividend declared for shareholders of record for September 16, 2013 was paid on September 30, 2013.
How they make their money.
Intact Financial Corporation is the largest provider of property and casualty insurance in Canada. Intact offers home, auto and business insurance
through Intact Insurance and a network of brokers including Belair Direct and BrokerLink.
For most ratios, lower is better when looking for a good stock price. However, there are exceptions such as for yield (dividends and erarnings) and asset/liability ratios and here you want a higher ratios to indicate a good stock price.
Also, for the Operational Profit Margin, a higher percentage is better. With the OPM, you should only compare companies in similar industries.
Shares; '%, Value $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M
Date Feb-10 2013 Jun 28 2014 Jul 5 2015 Jun 25 2016 Jun 26 2017
Brindamour, Charles 0.093 0.07% 0.169 0.13% 0.169 0.13% 0.182 0.14% 0.210 0.16%
CEO - Shares - Amount $6.441 $14.160 $14.976 $17.478 $20.175
Options - percentage 0.071 0.05% 0.039 0.03% 0.039 0.03% 0.038 0.03% 0.034 0.03%
Options - amount $4.945 $3.251 $3.417 $3.658 $3.233
Marcotte, Louis 0.006 0.00% 0.008 0.01% 0.010 0.01% 0.012 0.01%
CFO - Shares - Amount $0.503 $0.673 $0.961 $1.133
Options - percentage 0.003 0.00% 0.000 0.00% 0.003 0.00% 0.004 0.00%
Options - amount $0.234 $0.000 $0.270 $0.366
Tullis, Mark Alan: 0.065 0.05% 0.087 0.07% 0.095 0.07% 0.090 0.07%
Officer - Shares - Amount $4.487 $7.720 $9.101 $8.633
Options - percentage 0.020 0.02% 0.010 0.01% 0.009 0.01% 0.008 0.01%
Options - amount $1.394 $0.876 $0.875 $0.726
Anderson, Kenneth 0.003 0.00% 0.007 0.01% 0.006 0.00% 0.007 0.00% updated in 2016
Officer - Shares - Amount $0.241 $0.563 $0.517 $0.626
Options - percentage 0.001 0.00% 0.001 0.00% 0.001 0.00% 0.001 0.00%
Options - amount $0.045 $0.079 $0.079 $0.074
0.001 0.00%
Crispin, Robert W. $0.077
Director - Shares - Amount 0.011 0.01%
Options - percentage $1.029
Options - amount
Brouillette, Yves 0.014 0.01% 0.014 0.01% 0.014 0.01% 0.014 0.01% Ceased as insider May '17
Director - Shares - Amount $0.936 $1.132 $1.197 $1.297
Options - percentage 0.009 0.01% 0.010 0.01% 0.011 0.01% 0.012 0.01%
Options - amount $0.623 $0.834 $0.967 $1.122
Dussault, Claude 0.030 0.02% 0.030 0.02% 0.030 0.02% 0.034 0.03%
Chairman - Shares - Amt $2.550 $2.697 $2.922 $3.279
Options - percentage 0.005 0.00% 0.006 0.00% 0.007 0.01% 0.092 0.07%
Options - amount $0.417 $0.546 $0.662 $8.854
Increase in O/S Shares 0.000 0.00% 0.312 0.24% 0.263 0.20% 0.407 0.31% They have "stock
due to SO $0.000 $26.153 $23.321 $39.065 Incentives" rather than
Book Value $0.000 $20.000 $18.000 $19.000 stock options.
Insider Buying -$1.125 $0.000 -$0.009 They purchase required
Insider Selling $0.903 $0.000 $3.577 Shares on the open
Net Insider Selling $1.970 -$0.222 $0.000 $3.568 Market. Cost comes out of
% of Market Cap 0.02% 0.00% 0.00% 0.03% shareholders' equity.
Directors 11 11 12 12
Women 4 36% 4 36% 4 33% 5 42%
Minorities 0 0% 0 0% 0 0% 0 0%
Institutions/Holdings 141 40.74% 236 63.28% 198 41.77% 249 42.74% 247 44.16%
Total Shares Held 54.318 41.29% 83.240 63.28% 54.941 41.77% 56.101 42.81% 57.843 44.14%
Increase/Decrease -0.048 -0.09% 0.387 0.47% 0.826 1.53% 0.894 1.62% 0.516 0.90%
Starting No. of Shares 54.366 Reuters 82.853 54.114 Reuters 55.207 Reuters 57.327 Reuters
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