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 5.87 billion. The enterprise value is 7.43 billion.

Market Cap	5.87B
Enterprise Value	7.43B

Important Dates

The next estimated earnings date is Friday, August 7, 2026.

Earnings Date	Aug 7, 2026
Ex-Dividend Date	Jun 30, 2026

Share Statistics

TSX:ELF has 345.93 million shares outstanding. The number of shares has decreased by -2.98% in one year.

Current Share Class	345.92M
Shares Outstanding	345.93M
Shares Change (YoY)	-2.98%
Shares Change (QoQ)	-1.65%
Owned by Insiders (%)	0.17%
Owned by Institutions (%)	29.76%
Float	199.42M

Valuation Ratios

The trailing PE ratio is 5.11.

PE Ratio	5.11
Forward PE	n/a
PS Ratio	1.75
PB Ratio	0.57
P/TBV Ratio	0.67
P/FCF Ratio	n/a
P/OCF Ratio	15.82
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	6.39
EV / Sales	2.22
EV / EBITDA	4.17
EV / EBIT	4.20
EV / FCF	n/a

Financial Position

The company has a current ratio of 3.02, with a Debt / Equity ratio of 0.06.

Current Ratio	3.02
Quick Ratio	1.79
Debt / Equity	0.06
Debt / EBITDA	0.34
Debt / FCF	n/a
Interest Coverage	8.23

Financial Efficiency

Return on equity (ROE) is 13.58% and return on invested capital (ROIC) is 13.60%.

Return on Equity (ROE)	13.58%
Return on Assets (ROA)	3.89%
Return on Invested Capital (ROIC)	13.60%
Return on Capital Employed (ROCE)	6.05%
Weighted Average Cost of Capital (WACC)	10.79%
Revenue Per Employee	2.68M
Profits Per Employee	929,860
Employee Count	1,250
Asset Turnover	0.12
Inventory Turnover	n/a

Taxes

In the past 12 months, TSX:ELF has paid 235.55 million in taxes.

Income Tax	235.55M
Effective Tax Rate	15.16%

Stock Price Statistics

The stock price has increased by +0.95% in the last 52 weeks. The beta is 0.82, so TSX:ELF's price volatility has been lower than the market average.

Beta (5Y)	0.82
52-Week Price Change	+0.95%
50-Day Moving Average	16.84
200-Day Moving Average	16.63
Relative Strength Index (RSI)	48.79
Average Volume (20 Days)	44,562

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 3.35 billion and earned 1.16 billion in profits. Earnings per share was 3.32.

Revenue	3.35B
Gross Profit	1.97B
Operating Income	1.77B
Pretax Income	1.55B
Net Income	1.16B
EBITDA	1.78B
EBIT	1.77B
Earnings Per Share (EPS)	3.32

Balance Sheet

The company has 468.37 million in cash and 599.66 million in debt, with a net cash position of -131.29 million or -0.38 per share.

Cash & Cash Equivalents	468.37M
Total Debt	599.66M
Net Cash	-131.29M
Net Cash Per Share	-0.38
Equity (Book Value)	10.21B
Book Value Per Share	25.54
Working Capital	530.65M

Cash Flow

Operating Cash Flow	370.90M
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 58.98%, with operating and profit margins of 52.85% and 35.28%.

Gross Margin	58.98%
Operating Margin	52.85%
Pretax Margin	46.43%
Profit Margin	35.28%
EBITDA Margin	53.18%
EBIT Margin	52.85%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.16, which amounts to a dividend yield of 0.95%.

Dividend Per Share	0.16
Dividend Yield	0.95%
Dividend Growth (YoY)	-26.78%
Years of Dividend Growth	2
Payout Ratio	36.43%
Buyback Yield	2.98%
Shareholder Yield	3.92%
Earnings Yield	19.81%
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	5