Dfy.To
D-FY Insurance Inc. (DFY.TO) provides property and casualty insurance products and services, generating revenue primarily through premium income from its insurance policies.
Business. D-FY Insurance Inc. (DFY.TO) provides property and casualty insurance products and services, generating revenue primarily through premium income from its insurance policies.
Analyst recommendations
11 analysts · consensus HoldAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
D-FY Insurance Inc. (DFY.TO) provides property and casualty insurance products and services, generating revenue primarily through premium income from its insurance policies.
DFY.TO has a total equity of CAD 4.05 billion and a debt-to-equity ratio of 0.29, indicating a relatively conservative capital structure. The company's liquidity position is assessed as medium, with a free cash flow of CAD 374.4 million and operating cash flow of CAD 512.6 million, but its cash and equivalents are minimal at CAD 400,000. The negative net cash position, after subtracting total debt, raises some liquidity concerns.
In terms of profitability, DFY.TO reported a return on equity (ROE) of 10.33% and a return on assets (ROA) of 4.37%. These figures are in line with the industry's preferred metrics, which emphasize ROE and ROA as key indicators of performance. The company's operating income of CAD 774.9 million and net income of CAD 418.2 million suggest a stable and profitable operation.
DFY.TO operates as a single business segment, with no disclosed geographic revenue concentration. The company's exposure is primarily domestic, with no material international operations reported in the latest financial data. This lack of diversification may pose a concentration risk, particularly in a sector sensitive to regional economic conditions.
The company's growth trajectory is expected to remain stable, with no significant revenue growth or decline projected in the current or next fiscal year. The capital expenditure of CAD -99.6 million indicates a reduction in investment, which may reflect a focus on maintaining existing operations rather than expansion. Analysts have provided a mean price target of CAD 78.91, with a median of CAD 76.00, suggesting a generally positive outlook, though with a cautious tone reflected in the 7 "Hold" recommendations.
DFY.TO's risk profile is characterized by a low dilution potential, with no significant dilution sources identified in the latest filings. The company's liquidity risk is moderate, primarily due to its low cash reserves relative to its debt obligations. Credit risk is not a major concern, given the company's strong equity base and manageable debt levels.
Recent events include the publication of the latest financial results, which show a stable operating performance. No major regulatory or legal issues have been disclosed in the latest filings, and the company's risk assessment does not highlight any immediate concerns.
- DFY.TO maintains a conservative capital structure with a low debt-to-equity ratio of 0.29.
- The company's ROE of 10.33% and ROA of 4.37% indicate strong profitability relative to its equity and asset base.
- DFY.TO's liquidity position is moderate, with a negative net cash position after accounting for total debt.
- Analysts project a stable outlook for the company, with a mean price target of CAD 78.91 and a median of CAD 76.00.
- The company's operations are concentrated in a single segment and geographic region, which may increase exposure to local economic conditions.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 3,73 |
| Revenue | —no estimate | —no estimate | 6,2B CAD |
| Operating income | —no estimate | —no estimate | 466,7M CAD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- DFY.TO Market data — financials · 2026-05-27
- Definity Financial Corp Market data — analyst estimates · 2026-05-27