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Definity Financial (DFY) investor relations material
Definity Financial 24th Annual CIBC Eastern Institutional Investor Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.24th Annual CIBC Eastern Institutional Investor Conference summary25 Sep, 2025
Strategic transformation and acquisition
Announced $3B acquisition of Travelers Canada, moving from 6th to 4th largest P&C insurer in Canada.
All capital for the acquisition is secured, with debt and equity offerings completed and regulatory approvals progressing on schedule.
Integration is expected to be a multi-year process, with business migration from mid-2026 to mid-2027 and a three-year integration period.
$100M in cost synergies targeted, mainly from technology, productivity, and eliminating cross-border charges.
Retention of business and talent, and seamless broker transition, are top priorities for early success.
Broker and market response
Brokers and employees have responded positively, seeing value in joining a larger, Canadian-focused entity.
Top brokers have committed to retain business, and the transition is viewed as logical and expected.
Migration to modern systems is expected to improve broker experience and retention.
No significant retention shock anticipated; product and pricing differences will be managed gradually.
Financial performance and ROE objectives
Current ROE is around 10%, with a path to mid-teens post-acquisition through expense efficiencies and integration.
Operating expense ratio targeted to drop from 13% to 11% by end of 2026, supporting ROE expansion.
Integration of Travelers expected to add 200 basis points to ROE, with high confidence in achieving targets.
Digital platforms and claims transformation are key levers for margin improvement.
Travelers Canada combined ratio improvement timeline?
SONNET's path to additive earnings?
Definity's growth strategy amid slowing P&C rates?
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Next Definity Financial earnings date
Q3 20257 Nov, 2025
Next Definity Financial earnings date
Q3 20257 Nov, 2025
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Frequently asked questions
Definity Financial Corporation is a Canadian insurance company that primarily operates in the property and casualty insurance sector. Through its subsidiaries, the company offers a range of personal and commercial insurance products, including home, automobile, and business coverage. Definity serves both individual and business customers across Canada, providing protection against risks such as property damage, liability, and other insurance-related needs. The company focuses on delivering digital and customer-centric insurance solutions to meet the evolving needs of its clients. The company is headquartered in Waterloo, Ontario, and its shares are listed on the Toronto Stock Exchange.
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