E-L Financial Corporation Limited (TSX:ELF)

E-L Financial Corporation Statistics

Total Valuation

TSX:ELF has a market cap or net worth of CAD 5.72 billion. The enterprise value is 7.52 billion.

Market Cap	5.72B
Enterprise Value	7.52B

Important Dates

The last earnings date was Friday, November 7, 2025.

Earnings Date	Nov 7, 2025
Ex-Dividend Date	Dec 31, 2025

Share Statistics

TSX:ELF has 346.13 million shares outstanding. The number of shares has decreased by -3.18% in one year.

Current Share Class	346.13M
Shares Outstanding	346.13M
Shares Change (YoY)	-3.18%
Shares Change (QoQ)	-0.42%
Owned by Insiders (%)	0.17%
Owned by Institutions (%)	30.32%
Float	199.62M

Valuation Ratios

The trailing PE ratio is 4.57.

PE Ratio	4.57
Forward PE	n/a
PS Ratio	1.68
PB Ratio	0.56
P/TBV Ratio	0.67
P/FCF Ratio	n/a
P/OCF Ratio	15.92
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	5.82
EV / Sales	2.21
EV / EBITDA	3.87
EV / EBIT	3.89
EV / FCF	n/a

Financial Position

The company has a current ratio of 3.07, with a Debt / Equity ratio of 0.06.

Current Ratio	3.07
Quick Ratio	1.59
Debt / Equity	0.06
Debt / EBITDA	0.31
Debt / FCF	n/a
Interest Coverage	8.89

Financial Efficiency

Return on equity (ROE) is 14.95% and return on invested capital (ROIC) is 11.56%.

Return on Equity (ROE)	14.95%
Return on Assets (ROA)	4.23%
Return on Invested Capital (ROIC)	11.56%
Return on Capital Employed (ROCE)	6.63%
Revenue Per Employee	2.76M
Profits Per Employee	1.05M
Employee Count	1,236
Asset Turnover	0.12
Inventory Turnover	n/a

Taxes

In the past 12 months, TSX:ELF has paid 242.67 million in taxes.

Income Tax	242.67M
Effective Tax Rate	14.17%

Stock Price Statistics

The stock price has increased by +12.07% in the last 52 weeks. The beta is 0.85, so TSX:ELF's price volatility has been lower than the market average.

Beta (5Y)	0.85
52-Week Price Change	+12.07%
50-Day Moving Average	16.50
200-Day Moving Average	15.26
Relative Strength Index (RSI)	46.89
Average Volume (20 Days)	21,019

Short Selling Information

The latest short interest is 612, so 0.02% of the outstanding shares have been sold short.

Short Interest	612
Short Previous Month	219
Short % of Shares Out	0.02%
Short % of Float	0.03%
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, TSX:ELF had revenue of CAD 3.41 billion and earned 1.29 billion in profits. Earnings per share was 3.61.

Revenue	3.41B
Gross Profit	2.10B
Operating Income	1.93B
Pretax Income	1.71B
Net Income	1.29B
EBITDA	1.94B
EBIT	1.93B
Earnings Per Share (EPS)	3.61

Balance Sheet

The company has 400.02 million in cash and 599.49 million in debt, giving a net cash position of -199.86 million or -0.58 per share.

Cash & Cash Equivalents	400.02M
Total Debt	599.49M
Net Cash	-199.86M
Net Cash Per Share	-0.58
Equity (Book Value)	10.23B
Book Value Per Share	24.95
Working Capital	563.71M

Cash Flow

Operating Cash Flow	359.30M
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 61.69%, with operating and profit margins of 56.62% and 38.55%.

Gross Margin	61.69%
Operating Margin	56.62%
Pretax Margin	50.25%
Profit Margin	38.55%
EBITDA Margin	56.96%
EBIT Margin	56.62%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.16, which amounts to a dividend yield of 0.96%.

Dividend Per Share	0.16
Dividend Yield	0.96%
Dividend Growth (YoY)	121.00%
Years of Dividend Growth	1
Payout Ratio	45.86%
Buyback Yield	3.18%
Shareholder Yield	4.14%
Earnings Yield	22.58%
FCF Yield	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 2, 2025. It was a forward split with a ratio of 100.

Last Split Date	Jun 2, 2025
Split Type	Forward
Split Ratio	100

Scores

Altman Z-Score	n/a
Piotroski F-Score	4