IF

IFC.TO

$256.87
Sharia status
NOT COMPLIANT
Per In-house ratio engine
HTR non-permissible income 3.28%

Aggregator data No regulatory filing is available for this symbol, so these ratios are computed from a third-party market-data provider rather than from a filing. Treat them as weaker evidence than a filing-sourced verdict: the provider standardizes figures without publishing how.

Methodology breakdown (0/7 compliant)
AAOIFI ● FAIL
Debt ratio 11.3% (< 30%)
Investments ratio 40.3% (< 30%)
Non permissible income ratio 3.3% (< 5%)
Usmani ● FAIL
Debt ratio 9.4% (< 33%)
Investments ratio 29.9% (< 33%)
Nonliquid assets ratio 70.0% (< 20%)
Non permissible income ratio 3.3% (< 5%)
Net liquid assets no data
Dow Jones ● FAIL
S&P Shariah ● FAIL
MSCI ● FAIL
Debt ratio 8.4% (< 33%)
Cash and interest ratio 29.9% (< 33%)
Receivables ratio 30.0% (< 33%)
Non permissible income ratio 3.3% (< 5%)
MSCI M ● FAIL
FTSE ● FAIL
Debt ratio 8.4% (< 33%)
Cash and interest ratio 29.9% (< 33%)
Receivables ratio 30.0% (< 50%)
Non permissible income ratio 3.3% (< 5%)

Business activity Conventional interest-based banking or insurance

ℹ️ Ratios above can still show Pass — business activity is a separate, hard gate that overrides a clean ratio result.

🔎 Data provenance — sourcing & safeguards behind these numbers

Source: Yahoo Finance fundamentals (Tier-4 provider, no filing available) · Balance sheet as of 2025-12-31 · Income statement as of 2025-12-31

Real XBRL tags pulled from the issuer's own filing:
Total assets yahoo:annualTotalAssets
Debt yahoo:annualTotalDebt
Investments yahoo:annualCashCashEquivalentsAndShortTermInvestments
Receivables yahoo:annualAccountsReceivable
Interest income yahoo:annualInterestIncome
Total revenue yahoo:annualTotalRevenue
Operating revenue yahoo:annualOperatingRevenue
Total liabilities yahoo:annualTotalLiabilitiesNetMinorityInterest
Lease liabilities yahoo:annualCapitalLeaseObligations
🕌Open research, not a fatwa — verify with your own scholar.
Trade setup SEPARATE FROM SHARIAH
No trade setup shown — a stock that isn't cleanly Sharia-compliant never gets a bullish verdict here.

Intact Financial Corporation (IFC.TO) is currently considered not halal (non-compliant), per In-house ratio engine. See the full ratio breakdown and business-activity screen below for the reasoning.

⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Intact Financial Corporation under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.

Market & analysts
Price target
$326.23
+27.0% · 13 analysts
Institutional own.
48.3%
of shares
NON-COMPLIANT
Sharia compliance
3.28%
Non-permissible income — HTR, from filings (2025-12-31)
$326.23
Price target (+27.0%) · 13 analysts
48.3%
Institutional ownership

🕌 In-house Compliance Research

Research only, not the primary verdict above — computed from SEC EDGAR filings and business-activity classification, same as the Discord bot's !halal command.

Business activity: Conventional interest-based banking or insurance

AAOIFI Standard 21 (% of market cap) — Fail
Debt ratio 11.3% (< 30%)
Investments ratio 40.3% (< 30%)
Non permissible income ratio 3.3% (< 5%)
Usmani (% of total assets) — Unverified
Debt ratio 9.4% (< 33%)
Investments ratio 29.9% (< 33%)
Nonliquid assets ratio 70.0% (< 20%)
Non permissible income ratio 3.3% (< 5%)
Net liquid assets no data
Dow Jones Islamic Market (% of 24-mo avg market cap) — Unverified
S&P Shariah Indices (% of 36-mo avg market cap) — Unverified
MSCI Islamic Index (% of total assets) — Pass
Debt ratio 8.4% (< 33%)
Cash and interest ratio 29.9% (< 33%)
Receivables ratio 30.0% (< 33%)
Non permissible income ratio 3.3% (< 5%)
MSCI Islamic M-Series (% of 36-mo avg market cap) — Unverified
FTSE Shariah Global Equity Index Series (% of total assets) — Pass
Debt ratio 8.4% (< 33%)
Cash and interest ratio 29.9% (< 33%)
Receivables ratio 30.0% (< 50%)
Non permissible income ratio 3.3% (< 5%)
🔎 Data provenance — sourcing & safeguards behind these numbers

Source: Yahoo Finance fundamentals (Tier-4 provider, no filing available) · Balance sheet as of 2025-12-31 · Income statement as of 2025-12-31

Real XBRL tags pulled from the issuer's own filing (auditable against it directly):
Total assets yahoo:annualTotalAssets
Debt yahoo:annualTotalDebt
Investments yahoo:annualCashCashEquivalentsAndShortTermInvestments
Receivables yahoo:annualAccountsReceivable
Interest income yahoo:annualInterestIncome
Total revenue yahoo:annualTotalRevenue
Operating revenue yahoo:annualOperatingRevenue
Total liabilities yahoo:annualTotalLiabilitiesNetMinorityInterest
Lease liabilities yahoo:annualCapitalLeaseObligations

Combined verdict: AAOIFI Non Compliant Usmani Non Compliant Dow Jones Islamic Non Compliant S&P Shariah Non Compliant MSCI Islamic Non Compliant MSCI Islamic M Non Compliant FTSE Shariah Non Compliant

ℹ️ AAOIFI screens this company as Non-Compliant on the financial ratios alone — a ratio failure is decisive on its own, so those verdicts stand regardless of what the business-activity screen concluded. The business-activity screen is a second, independent hard gate, and it flagged Conventional interest-based banking or insurance.

305.00289.49273.98258.47242.972025-09-112026-03-122026-09-10

Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset

Support & Resistance
S3
250.98
S2
253.00
S1
255.59
PIVOT
257.61
R1
260.20
R2
262.22
R3
264.81

Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.

Price Forecast

7-day expected range
256.073 282.927
±4.98% from 269.5, made 2026-09-02 · resolves 2026-09-09
SELL
from 19 indicators
Not enough resolved predictions yet — 0 of 10 needed before we publish an accuracy figure. 21846 forecast(s) are currently open and will be scored automatically when their horizon expires.

The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.

Technical Summary

STRONG SELL
19 indicators
OscillatorsNEUTRAL
3 buy · 1 neutral · 3 sell
Moving averagesSTRONG SELL
0 buy · 0 neutral · 12 sell
Every indicator, and what it reads
IndicatorValueSignal
RSI (14)30.50NEUTRAL
Stochastic %K (14)13.95BUY
CCI (20)-198.60BUY
Williams %R (14)-86.05BUY
MACD (12,26,9)-0.36SELL
ROC (10)-3.48SELL
Momentum (10)-9.27SELL
EMA (10)263.80SELL
SMA (10)265.56SELL
EMA (20)267.41SELL
SMA (20)265.85SELL
EMA (30)270.37SELL
SMA (30)270.22SELL
EMA (50)273.29SELL
SMA (50)280.56SELL
EMA (100)273.05SELL
SMA (100)274.32SELL
EMA (200)270.21SELL
SMA (200)268.28SELL

Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.

About Intact Financial Corporation

Financial Services · Insurance - Property & Casualty

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. It offers insurance, such as personal auto that provides coverage from accidents, third-party liability, and physical damage; personal property which provides protection for homes and belongings from risks, including fire, theft, vandalism, water damages, other damages, and personal liability; and commercial line and specialty line insurance, including commercial auto, property, and liability coverages. The company also provides business insurance. It serves its products to accident and health, technology, ocean and inland marine, builder's risk, and entertainment, as well as financial professional lines; and various products to specialty property, surety, tuition reimbursement, general liability, and cyber and environmental institutions. The company offers specialty insurance products, including brokers, direct to consumer, agencies, wholesalers, affinity partners, Intact Prestige, and managing general agent platform. It offers its products through multiple distribution channels, such as brokers, direct-to-consumer, and managing general agent (MGA) platforms. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.

intactfc.com ↗

Background via Yahoo Finance — informational, not part of the verdict.

SMC — Top Down

Not enough price history yet for a smart-money structure read on any timeframe.

Momentum & Volume

Peer Movement

Peer movement computing — it will appear here on its own.

Insider Activity (90d)

NO DATA   0 buys · 0 sells

COT Positioning — E-MINI S&P 500 - CHICAGO MERCANTILE EXCHANGE

NEUTRAL   report date 2026-09-01 · Asset managers net 934180 (-19048)

AI Summary

Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.

Tell us what's working, what's confusing, or what you want to see next — read by a real person, not a form that goes nowhere.