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    Insurance - Life
E-L Financial Corporation Limited

E-L Financial Corporation Limited

ELF.TO
E-L Financial Corporation LimitedCA flagToronto Stock Exchange
17.03
CAD
-0.17
- -
5.89BMarket Cap
E-L Financial Corporation Limited
ELF.TO
(Toronto Stock Exchange)

Recent

price

17.03

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.06
7.2
3.66
4.04
6.02
5
4.26
5.95
2.72
7.4
6.79
6.43
-3.48
8.66
9.95
8.29
7.8
Revenue per Share
0.46
-0.14
1.17
2.26
0.99
1.31
0.8
1.65
0.03
1.86
1.29
3.18
-1.02
2.76
4.66
3.57
3.43
Basic EPS, GAAP
0.75
0.86
1.08
0.7
0.47
0.52
0.85
0.88
0.99
1.06
0.87
0.96
0.95
2.13
1.37
1.03
1.08
Free Cash Flow per Basic Share
0.04
0.03
0.04
0.81
0.04
0.04
0.08
0.09
0.09
0.09
0.35
0.94
0.43
0.19
0.82
1.7
1.26
Dividend per Share
6.69
6.04
7.22
8.7
9.66
10.99
11.74
13.35
13.35
15.15
16.2
19.12
17.74
19.62
24
25.2
24.31
Book Value per Share
7.51
-0.68
9.02
-0.77
-0.78
-0.79
-0.8
-0.81
-0.81
-0.82
-0.87
21.8
20.67
-1.12
-1.14
-1.21
28.43
Tangible Book Value per Share
394
393
393
393
393
393
393
393
393
393
378
361
339
346
337
346
344
Basic Weighted Avg Shares
2,783
2,833
1,438
1,586
2,366
1,965
1,672
2,337
1,067
2,907
2,565
2,324
-1,179
2,998
3,348
2,870
2,687
Sales/Revenue/Turnover
8.09
- -
37.28
54.48
24.6
41.15
25.89
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
39
13
17
17
17
19
22
23
26
31
33
15
19
22
27
- -
Depreciation Expense
183
-44
473
904
403
528
330
663
28
748
504
1,166
-331
955
1,570
1,236
1,181
Net Income, GAAP
12.5
- -
8.8
13.26
15.65
15.28
18.69
15.96
36.12
16.11
15.41
14.38
- -
14.07
15.35
15.71
15.16
Effective Tax Rate (%)
6.56
-1.55
32.88
57.04
17.04
26.9
19.72
28.39
2.63
25.73
19.64
50.17
28.12
31.87
46.9
43.07
43.93
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
199
228
200
498
299
299
499
798
489
464
602
602
653
693
599
600
600
LT Debt
3,007
- -
3,925
- -
- -
- -
- -
- -
- -
- -
- -
8,208
7,392
- -
- -
- -
10,208
Total Equity
6.46
- -
22.17
31.82
116.81
223.33
83.99
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
6.92
- -
13.49
17.07
6.43
6.96
5.25
8.64
0.17
8.76
5.29
12.49
- -
9.87
14.71
10.35
10.43
Return on Capital (%)
7.35
-2.15
17.59
28.44
10.75
12.65
7.04
13.15
0.24
13.09
8.09
17.66
-5.37
14.92
21.12
14.71
14.75
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
599
600
600
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
300
300
300
Shares Outstanding
346
346
346
Market Capitalization
5,563
5,603
5,452

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
400
565
471
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
18
205
18
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
- -
Free Cash Flow
13.42%
13.5%
-22.22%
Net Income, GAAP
215.93%
-68.43%
-21.27%
Sales/Revenue/Turnover
-38.59%
-103.41%
-14.28%
Total Cash Common Dividend
- -
101.22%
113.85%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
717
645
1,184
1,071
3,348
2025
493
681
1,197
485
2,870
2026
323
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.62
0.68
1.49
- -
4.66
2025
0.25
1.07
1.7
0.59
3.57
2026
0.09
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.05
0.65
0.05
- -
0.82
2025
1.55
0.05
0.05
0.05
1.7
2026
1.1
- -
- -
- -
- -
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Business
E-L Financial Corporation Limited operates as an investment and insurance holding company primarily in Canada. The company manages two main operating segments, E-L Corporate and Empire Life Insurance Company, in which it holds a 99.5% consolidated interest; E-L Corporate oversees a global portfolio of investments in equities and fixed income securities held directly and indirectly through common shares, investment funds, closed-end investment companies such as its 56.6% interest in United Corporations Limited, limited partnerships, and other private companies, including significant associates like a 34.9% stake in Algoma Central Corporation and a 24.9% interest in Economic Investment Trust Limited; Empire Life underwrites life and health insurance policies, wealth management products, employee benefit plans, financial services, segregated funds, mutual funds, and annuity products offered to individuals, professionals, and businesses through networks of independent financial advisors, managing general agents, national account firms, group solutions brokers, and representatives. E-L Financial was incorporated in 1968 and is headquartered at 165 University Avenue, Toronto, Ontario, Canada. Recent developments include a 100-for-1 common share split approved on May 7, 2025 and effective for shareholders of record as of May 23, 2025; entry into an automatic share purchase plan on June 27, 2025 as part of its normal course issuer bid to facilitate common share repurchases commencing June 30, 2025; renewal of its normal course issuer bid; declaration of quarterly dividends on common and preference shares; and a $200 million offering of 4.000% senior unsecured notes due June 22, 2050.