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    Insurance - Life
E-L Financial Corporation Limited

E-L Financial Corporation Limited

ELFIF
E-L Financial Corporation LimitedUS flagOther OTC
12.34
USD
+0.17
- -
4.27BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.04
6.02
5
4.26
5.95
2.72
7.4
6.79
6.43
-3.48
8.66
9.95
8.53
7.75
Basic EPS, GAAP
2.26
0.99
1.31
0.8
1.65
0.03
1.86
1.29
3.18
-1.02
2.76
4.66
3.67
3.4
Free Cash Flow per Basic Share
0.7
0.47
0.52
0.85
0.88
0.99
1.06
0.87
0.96
0.95
2.13
1.37
1.06
1.07
Dividend per Share
0.81
0.04
0.04
0.08
0.09
0.09
0.09
0.35
0.94
0.43
0.19
0.82
1.75
1.25
Book Value per Share
8.7
9.66
10.99
11.74
13.35
13.35
15.15
16.2
19.12
17.74
19.62
24
25.91
24.13
Tangible Book Value per Share
-0.77
-0.78
-0.79
-0.8
-0.81
-0.81
-0.82
-0.87
21.8
20.67
-1.12
-1.14
-1.24
28.22
Basic Weighted Avg Shares
393
393
393
393
393
393
393
378
361
339
346
337
337
347
Sales/Revenue/Turnover
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
Operating Margin (%)
54.48
24.6
41.15
25.89
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
17
17
17
19
22
23
26
31
33
15
19
22
27
- -
Net Income, GAAP
904
403
528
330
663
28
748
504
1,166
-331
955
1,570
1,236
1,181
Effective Tax Rate (%)
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
Profit Margin (%)
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
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
498
299
299
499
798
489
464
602
602
653
693
599
600
600
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
8,208
7,392
- -
- -
- -
10,208
Return on Invested Capital (%)
31.82
116.81
223.33
83.99
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
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 Common Equity (%)
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

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
5,638
5,688
5,472

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
0.24
1.08
1.7
0.59
3.67
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
1.5
0.05
0.05
0.05
1.75
2026
1.05
- -
- -
- -
- -

Company Description

APIChat
CEO
Duncan Newton Rowell Jackman
Full Time Employees
1,236
Sector
Financial Services
Industry
Insurance - Life
Address
165 University Avenue Toronto ON Canada M5H 3B8
IPO Date
Oct 15, 2010
Website
e-lfinancial.ca
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Anadolu Hayat Emeklilik Anonim Sirketi (ANHYT.IS)
Business
E-L Financial Corporation Limited operates as an investment and insurance holding company in Canada with two primary operating segments, E-L Corporate and Empire Life Insurance Company; E-L Corporate oversees investments in global equities and fixed income securities held directly and indirectly through common shares, investment funds, closed-end investment companies including a 56.6% interest in United Corporations Limited, and other private companies, as well as significant associate interests comprising a 34.9% stake in Algoma Central Corporation and a 24.9% stake in Economic Investment Trust Limited; Empire Life, in which E-L Financial holds a 99.5% interest, underwrites individual and group life and health insurance policies; segregated funds; mutual funds; annuity products; investment and retirement solutions; wealth management products; and employee benefit plans distributed to individuals, professionals, businesses, and Canadians through independent financial advisors, managing general agents, national account firms, group solutions brokers, and representatives. The company, incorporated in 1968 and headquartered in Toronto, Ontario, focuses on accumulating shareholder value through long-term capital appreciation, dividend, and interest income from its investments, with operations primarily in Canada and global investment exposure. Recent developments include a proposed 100-for-one common share split approved in May 2025 with payment on May 30, 2025; renewal of its normal course issuer bid in March 2025 permitting repurchases of up to 173,086 common shares through March 2026; entry into an automatic purchase plan in 2025; a $200 million offering of 4.000% senior unsecured notes due June 22, 2050 announced earlier; sustained quarterly dividends on common and preference shares; strong financial performance with net income attributable to common shareholders of $365 million for the second quarter of 2025 and consolidated assets under management at Empire Life reaching $20 billion as of June 30, 2025; and common shareholders' equity of $8,416 million as of December 31, 2024.