1. Canada Stocks

  2. •

    Finance

  3. •

    Life/Health insurance
E-L Financial Corporation Limited

E-L Financial Corporation Limited

19.61
CAD
-0.57
(-2.82%)
5.88EPS
3.22P/E
5.89BMarket 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
8.29
11.37
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
3.57
5.3
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
1.03
1.43
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
1.7
1.26
Book Value per Share
8.72
9.77
11.02
11.71
13.18
13.09
14.96
16.77
17.91
17.04
19.82
23.6
25.5
27.41
Tangible Book Value per Share
8.71
9.76
11
11.67
13.13
13.04
14.91
16.69
17.84
16.8
19.57
23.36
25.16
27.09
Basic Weighted Avg Shares
393
393
393
393
393
393
393
378
361
339
346
337
346
344
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
3,913
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
1,825
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
14.84
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
46.65
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
498
299
299
499
798
489
464
602
602
653
693
599
600
849
Total Equity
4,563
5,055
5,496
5,917
6,571
6,539
7,383
7,650
8,208
7,392
8,262
9,739
10,648
11,329
Return on Invested Capital (%)
16.16
9.16
11.5
5.49
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
16.61
6.29
6.81
5.16
8.55
0.17
8.71
5.24
12.62
- -
9.8
14.59
10.26
14.48
Return on Common Equity (%)
27.35
10.43
12.28
6.88
12.96
0.24
12.99
7.98
17.9
-5.47
14.79
20.89
14.55
20.81

Capital Structure

CAD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
600
600
849
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
300
300
300
Shares Outstanding
346
346
346
Market Capitalization
5,607
5,469
5,893

Working Capital

CAD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
565
471
597
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
205
18
18
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

CAD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.11%
7.27%
9.34%
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

CAD

•

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
1,907
- -
- -
- -

Quarterly Earnings Per Share

CAD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.62
0.68
1.49
0.82
4.66
2025
0.25
1.07
1.7
0.59
3.57
2026
0.09
2.93
- -
- -
- -

Quarterly Dividends Per Share

CAD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.05
0.65
0.05
0.05
0.82
2025
1.55
0.05
0.05
0.05
1.7
2026
1.1
0.05
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Duncan N. R. Jackman
Full Time Employees
21
Sector
Finance
Industry
Life/Health insurance
Address
165 University Avenue Toronto ON Canada M5H 3B8
IPO Date
Mar 17, 1980
Website
e-lfinancial.ca
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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.