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E-L Financial Corp Ltd

Financial Services CA ELF

16.06CAD
0.21(1.32%)

Last update at 2025-06-30T18:24:00Z

Day Range

15.7516.12
LowHigh

52 Week Range

9.7418.19
LowHigh

Fundamentals

  • Previous Close 15.85
  • Market Cap5538.75M
  • Volume18533
  • P/E Ratio5.28
  • Dividend Yield1.01%
  • EBITDA1663.62M
  • Revenue TTM3065.89M
  • Revenue Per Share TTM9.11
  • Gross Profit TTM 1800.78M
  • Diluted EPS TTM3.00

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -355.02900M 1497.34M 713.47M 1027.16M 89.23M
Minority interest 154.24M -116.18200M 1132.34M 1067.96M 979.14M
Net income -327.31300M 1165.81M 503.74M 747.86M 28.05M
Selling general administrative 196.57M 187.09M 177.42M 184.93M 176.96M
Selling and marketing expenses - - - - -
Gross profit -706.98400M 2323.63M 2564.90M 2906.54M 1066.88M
Reconciled depreciation 38.13M 14.41M 12.27M 11.03M 10.52M
Ebit -172.80100M 1412.91M 634.50M 929.95M 80.88M
Ebitda -134.66900M 1445.63M 665.12M 956.26M 104.02M
Depreciation and amortization 38.13M 32.72M 30.62M 26.31M 23.14M
Non operating income net other - - - - -
Operating income -172.80100M 1412.91M 634.50M 929.95M 612.15M
Other operating expenses 351.95M 826.28M 1851.43M 1879.38M 977.64M
Interest expense 27.99M 31.75M 20.80M 16.61M 20.60M
Tax provision -27.71600M 215.35M 109.96M 165.48M 32.23M
Interest income 481.04M 800.21M 453.09M 1249.14M 522.92M
Net interest income -27.98600M -31.75300M -20.79700M -16.60800M -20.60000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -27.71600M 215.35M 109.96M 165.48M 32.23M
Total revenue -706.98400M 2323.63M 2564.90M 2906.54M 1066.88M
Total operating expenses -351.95500M 826.28M 1851.43M 18.68M 19.04M
Cost of revenue - - - 1656.41M 747.73M
Total other income expense net -182.22800M 84.43M 78.98M 97.21M 5.12M
Discontinued operations - - - - -
Net income from continuing ops -327.31300M 1281.99M 603.51M 861.68M 57.00M
Net income applicable to common shares -189.91300M 1137.41M 484.14M 729.10M 15.55M
Preferred stock and other adjustments - - - - -
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Total assets 28118.83M 25478.23M 23493.59M 26790.62M 24945.22M
Intangible assets 58.75M 61.51M 60.57M 28.51M 27.98M
Earning assets - - - - -
Other current assets - 494.73M 62.77M 50.67M 84.52M
Total liab 18380.28M 17215.89M 15750.38M 18195.61M 17294.74M
Total stockholder equity 8469.02M 7113.78M 6713.06M 7315.63M 6518.15M
Deferred long term liab - - - - -
Other current liab - -244.55300M -254.83500M -189.11900M -179.51900M
Common stock - 362.35M 64.06M 66.66M 66.79M
Capital stock 362.35M 362.35M 364.06M 366.66M 366.79M
Retained earnings 8016.83M 6728.68M 6410.38M 6852.88M 6050.80M
Other liab - - 14731.73M 17162.27M 16188.65M
Good will 24.99M 24.95M 24.46M - -
Other assets - - 7152.93M 7634.18M 24113.82M
Cash 373.41M 440.86M 302.95M 636.10M 427.76M
Cash and equivalents - - - 130.71M 154.16M
Total current liabilities - -160.66900M 254.84M 189.12M 179.52M
Current deferred revenue - - - - -
Net debt 225.46M 292.51M 399.97M -33.94300M 174.51M
Short term debt - - - 0.00000M 0.00000M
Short long term debt 0.00000M - - - -
Short long term debt total - 733.37M 702.91M 602.16M 602.27M
Other stockholder equity - -300.00100M 56.06M 58.21M 88.30M
Property plant equipment - - 14.68M 16.81M 21.04M
Total current assets - 494.73M 2195.22M 2666.17M 515.81M
Long term investments 17609.17M 15779.07M 14045.72M 16444.95M 266.57M
Net tangible assets - - 6328.03M 6987.12M 6190.16M
Short term investments 0.84M 4.96M 1741.34M 1962.76M 15544.74M
Net receivables - 0.75M 150.94M 67.32M 88.06M
Long term debt 598.87M 733.37M 702.91M 602.16M 602.27M
Inventory - -446.56600M - - -
Accounts payable 82.59M 83.88M 254.84M 189.12M 179.52M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 22.76M -117.44600M 37.87M 56.41M
Additional paid in capital - - - - -
Common stock total equity - - - - 66.79M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - 17758.06M -14145.43500M -16490.27200M -315.59100M
Deferred long term asset charges - - - - -
Non current assets total - 24983.50M 14145.43M 16490.27M 315.59M
Capital lease obligations - - - - -
Long term debt total - - - 602.16M 602.27M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -437.23700M 206.59M 40.12M -345.45400M -8.60200M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities -437.23700M 202.91M 40.12M -345.45400M -8.60200M
Net borrowings 100.00M -200.00000M 137.83M -25.00000M -310.00000M
Total cash from financing activities -293.74900M -342.66900M -244.52100M -100.54600M -385.42100M
Change to operating activities -78.18800M 45.16M 4.32M -28.53600M 4.81M
Net income -327.31300M 1281.99M 603.51M 861.68M 57.00M
Change in cash -333.15500M 208.34M 124.67M -29.47300M -6.43100M
Begin period cash flow 636.10M 427.76M 303.08M 332.56M 338.99M
End period cash flow 302.95M 636.10M 427.76M 303.08M 332.56M
Total cash from operating activities 397.83M 348.10M 329.07M 416.53M 387.59M
Issuance of capital stock 0.00000M 395.96M - - -
Depreciation 38.13M 32.72M 12.27M 11.03M 23.14M
Other cashflows from investing activities -437.23700M -3.68500M -7.86100M -12.68200M -1.75100M
Dividends paid 144.36M 340.02M 133.36M 35.65M 35.65M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -135.45900M -156.10700M -202.81300M -1.40600M -2.89800M
Other cashflows from financing activities -13.93000M 353.45M 151.66M -39.89900M -36.87600M
Change to netincome 638.20M -877.28300M -191.25500M -313.83100M 344.22M
Capital expenditures 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -1617.92900M -140.20300M 763.29M 779.42M -45.55000M
Stock based compensation -38.13200M -32.71800M - - -
Other non cash items 2441.45M -833.19700M -1098.33900M -1296.16900M 449.55M
Free cash flow 397.83M 348.10M 329.07M 416.53M 387.59M

Peer Comparison

Sector: Financial Services Industry: Insurance - Life

Company Change (CAD) Price (CAD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
ELF
E-L Financial Corp Ltd		 0.21 1.32% 16.06 5.28 - 1.81 0.72 2.05
MFC
Manulife Financial Corp		 -0.09 0.21% 43.74 16.39 10.53 2.46 1.64 1.55
GWO
Great-West Lifeco Inc.		 0.24 0.46% 52.04 12.43 10.89 1.36 1.74 2.16
POW
Power Corporation Of Canada		 -0.5 0.93% 53.54 12.95 10.39 0.94 2.47 1.33
SFC
Alignvest Acquisition II Corp		 0.33 4.02% 8.53 11.27 7.27 0.57 0.87 1.44 -426.5651

Reports Covered

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Profile

E-L Financial Corporation Limited operates as an investment and insurance holding company in Canada. It operates in two segments, E-L Corporate and Empire Life. The company owns investments in equities and fixed income securities directly and indirectly through common shares, investment funds, closed-end investment companies, limited partnerships, and other private and investment companies. It also underwrites life and health insurance policies, wealth management products, employee benefit plans, and financial services, as well as segregated funds, mutual funds, and annuity products to individuals, professionals, and businesses through a network of independent financial advisors, managing general agents, national account firms, and group solutions brokers and representatives. E-L Financial Corporation Limited was incorporated in 1968 and is headquartered in Toronto, Canada.

E-L Financial Corp Ltd

165 University Avenue, Toronto, ON, Canada, M5H 3B8

Key Executives

Name Title Year Born
Mr. Duncan Newton Rowell Jackman Chairman, Pres & CEO 1967
Mr. Scott F. Ewert C.A., CPA, CA VP & CFO NA
Mr. Richard B. Carty VP, Gen. Counsel & Corp. Sec. 1968
Mr. Mark Sylvia CEO & Pres of The Empire Life Insurance Company NA
Mr. Fahad Khan Vice-Pres of Investments NA
Ms. Susan C. Clifford Treasurer NA
Ms. Nora P. Hohman Sr. Vice-Pres of Claims for The Dominion NA
Mr. J. Edward Gibson F.C.I.A., F.S.A. CFO, Sr. VP & Chief Actuary of Empire Life Insurance Company NA
Mr. Steven Whitelaw Sr. Vice-Pres of Personal Lines and Bus. Solutions- The Dominion NA
Mr. Duncan Newton Rowell Jackman Chairman, President & CEO 1967

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