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STOCK COMPARISON

Intact Financial vs Progressive: Fair Value & Quality

Both stocks run through our valuation models. Here is how Intact Financial (IFC) and Progressive (PGR) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Progressive as the more attractively valued of the two: Intact Financial trades at C$280 versus a fair value of C$247 (-12%), while Progressive trades at $215 versus $253 (+17%).
Intact Financial
IFC.TO · CAD · Financials
-12%
upside to fair value
overvalued
PriceC$280
Fair ValueC$247
Quality66/100
Progressive
PGR · USD · Financials
+17%
upside to fair value
undervalued
Price$215
Fair Value$253
Quality63/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Intact FinancialProgressive
Valuation
15.7×P/E (TTM)11.7×
1.42×P/S (TTM)1.50×
1.79×P/B4.43×
6.9×EV/EBITDA9.3×
0.49×PEG35.19×
1.9%Dividend yield0.2%
C$5.46Dividend per share$0.40
Profitability
13%Net margin13%
17%Operating margin16%
17%Return on equity38%
5%Return on assets8%
Growth
5%Revenue growth (YoY)9%
5.0%Avg. growth/yr (3Y)20.9%
15.9%Avg. growth/yr (5Y)15.5%
Balance & size
0.20×Debt / equity0.23×
$37BMarket cap$134B
healthyGrowth qualitymixed

Intact Financial leads: 9 to 5 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Intact Financialof which business quality 63 · market factors 63 Progressiveof which business quality 64 · market factors 57
ProfitabilityMargins and returns on capital today
40
61
Quality GrowthAre margins and returns improving?
69
64
CashflowEarnings quality: real cash, not paper profit
69
81
Fin. StrengthBalance sheet, leverage, solvency risk
59
54
InvestmentDisciplined investing over empire-building
75
37
Low VolatilityCalm price path (market factor)
93
88
MomentumPrice trend over the last 3–12 months (market factor)
51
47
52W MomentumDistance to the 52-week high (market factor)
48
41
Net IssuanceBuybacks instead of dilution
79
81

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Intact Financial

DCF ModelsC$421
Earnings-BasedC$192
Dividend DiscountC$103
MultiplesC$341
Asset-BasedC$78.96
Growth DCFC$409
Economic ProfitC$206
Growth EarningsC$319

8 of 26 models see the stock below the current price.

Progressive

DCF Models$521
Earnings-Based$285
Multiples$322
Asset-Based$34.90
Growth DCF$602
Economic Profit$243
Growth Earnings$406

4 of 24 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Intact Financial
Bear C$186Fair Value C$247Bull C$309
C$280 = current price (white tick)
Progressive
Bear $189Fair Value $253Bull $316
$215 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Intact Financial · Financials

Quality score66 · Top 25%
Fair value upside-12% · below median

Progressive · Financials

Quality score63 · above median
Fair value upside+17% · above median

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Progressive as the more attractively valued of the two: Intact Financial trades at C$280 versus a fair value of C$247 (-12%), while Progressive trades at $215 versus $253 (+17%).

Intact Financial has the higher quality score (66/100).

See the full analysis →
Intact Financial · Progressive

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.