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E-L Financial Corporation Limited (TSX:ELF)
Canada flag Canada · Delayed Price · Currency is CAD
19.94
-0.11 (-0.55%)
Nov 13, 2026, 4:00 PM EST

E-L Financial Corporation Financials Overview

Millions CAD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
3,5663,3883,6622,753726.962,482
Revenue Growth
4.64%-7.49%33.03%278.66%-70.72%-2.11%
Operating Income
1,9471,8592,2881,480-426.891,529
Net Income
1,4511,2181,547917.63-341.111,137
Earnings Per Share
4.083.444.252.45-0.962.84
EPS Growth
12.33%-19.06%73.30%--137.62%

Revenue by Segment
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Empire Life
485.41470.31526.57347.75131.31,259
E-L Corporate
2,1741,3961,7121,081-580.571,224
Total
2,6601,8662,2381,429-449.272,482

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
513.3564.4373.41440.86302.95636.1
Total Debt
648.77599.57598.87733.37702.92602.16
Net Cash (Debt)
-135.47-35.17-225.46-292.51-399.9733.94
Net Cash Growth
------
Net Cash Per Share
-0.38-0.10-0.62-0.78-1.130.08

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
446.22357.45459.55736.01320.98348.1
Free Cash Flow
446.22357.45459.55736.01320.98348.1
Free Cash Flow Growth
24.19%-22.22%-37.56%129.30%-7.79%5.78%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
54.59%54.88%62.49%53.76%-58.72%61.60%
Pretax Margin
52.46%48.54%56.50%46.30%-77.21%60.32%
Profit Margin
40.68%35.95%42.26%33.34%-46.92%45.82%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.1600.1580.1500.1500.1000.087
Dividend Per Share Growth
-26.89%5.00%0%50.00%14.29%75.00%
Dividend Yield
0.80%0.97%1.13%1.42%1.12%0.96%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.884.622.963.95-2.89
Forward PE
-0.090.090.090.090.09
PS Ratio
1.931.661.251.324.261.32