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E-L Financial Corp Ltd

Financial Services CA ELF

16.95CAD
-0.03(0.18%)

Last update at 2026-06-24T16:49:00Z

Day Range

16.8817.09
LowHigh

52 Week Range

11.6817.79
LowHigh

Fundamentals

  • Previous Close 16.98
  • Market Cap5814.51M
  • Volume11084
  • P/E Ratio4.88
  • Dividend Yield0.93%
  • EBITDA1870.14M
  • Revenue TTM3387.76M
  • Revenue Per Share TTM10.07
  • Gross Profit TTM 2051.54M
  • Diluted EPS TTM3.44

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 1645.00M 2068.95M 1274.45M -355.02900M 1497.34M
Minority interest -149.90600M -181.41000M -139.81100M 154.24M -116.18200M
Net income 1234.00M 1570.03M 955.28M -327.31300M 1165.81M
Selling general administrative 144.40M 103.73M 93.46M 196.57M 187.09M
Selling and marketing expenses - - 73.65M - -
Gross profit 1767.00M 2139.26M 1420.18M -706.98400M 2323.63M
Reconciled depreciation 26.65M 22.40M 18.88M 38.13M 14.41M
Ebit - 2094.30M 1300.37M -172.80100M 1412.91M
Ebitda 1645.00M 2116.70M 1319.25M -134.66900M 1445.63M
Depreciation and amortization - 22.40M 18.88M 38.13M 32.72M
Non operating income net other - - - - -
Operating income 1645.00M 2068.95M 1274.45M -172.80100M 1412.91M
Other operating expenses 122.00M 1279.00M 1723.35M 351.95M 826.28M
Interest expense 25.27M 25.36M 25.92M 27.99M 31.75M
Tax provision 258.37M 317.51M 179.36M -27.71600M 215.35M
Interest income 434.25M 410.70M 359.09M 481.04M 800.21M
Net interest income -25.26700M -25.35700M -25.92200M -27.98600M -31.75300M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 259.00M 317.51M 179.36M -27.71600M 215.35M
Total revenue 1767.00M 3347.94M 2997.79M -706.98400M 2323.63M
Total operating expenses 122.00M 70.31M 145.74M -351.95500M 826.28M
Cost of revenue - 1208.69M 1577.61M - -
Total other income expense net - - -1393.97600M -182.22800M 84.43M
Discontinued operations - - - - -
Net income from continuing ops 1385.92M 1751.44M 1095.09M -327.31300M 1281.99M
Net income applicable to common shares - 1563.04M 933.18M -189.91300M 1137.41M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 29961.08M 28118.83M 25478.23M 23493.59M 26790.62M
Intangible assets 78.49M 58.75M 61.51M 60.57M 28.51M
Earning assets - - - - -
Other current assets - - 494.73M 62.77M 50.67M
Total liab 19312.75M 18380.28M 17215.89M 15750.38M 18195.61M
Total stockholder equity 9069.06M 8469.02M 7113.78M 6713.06M 7315.63M
Deferred long term liab - - - - -
Other current liab 653.78M - -244.55300M -254.83500M -189.11900M
Common stock 62.33M - 362.35M 64.06M 66.66M
Capital stock 362.33M 362.35M 362.35M 364.06M 366.66M
Retained earnings 8659.56M 8016.83M 6728.68M 6410.38M 6852.88M
Other liab - - - 14731.73M 17162.27M
Good will 38.89M 24.99M 24.95M 24.46M -
Other assets - - - 7152.93M 7634.18M
Cash 564.40M 373.41M 440.86M 302.95M 636.10M
Cash and equivalents - - - - 130.71M
Total current liabilities 821.49M - -160.66900M 254.84M 189.12M
Current deferred revenue - - - - -
Net debt 35.17M 225.46M 292.51M 399.97M -33.94300M
Short term debt - - - - 0.00000M
Short long term debt - 0.00000M - - -
Short long term debt total 599.57M - 733.37M 702.91M 602.16M
Other stockholder equity - - -300.00100M 56.06M 58.21M
Property plant equipment - - - 14.68M 16.81M
Total current assets 891.03M - 494.73M 2195.22M 2666.17M
Long term investments 18339.80M 17609.17M 15779.07M 14045.72M 16444.95M
Net tangible assets - - - 6328.03M 6987.12M
Short term investments 0.44M 0.84M 4.96M 1741.34M 1962.76M
Net receivables 326.63M - 0.75M 150.94M 67.32M
Long term debt 599.57M 598.87M 733.37M 702.91M 602.16M
Inventory - - -446.56600M - -
Accounts payable 167.72M 82.59M 83.88M 254.84M 189.12M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 47.16M - 22.76M -117.44600M 37.87M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 210.06M - 17758.06M -14145.43500M -16490.27200M
Deferred long term asset charges - - - - -
Non current assets total 29070.04M - 24983.50M 14145.43M 16490.27M
Capital lease obligations - - - - -
Long term debt total - - - - 602.16M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 375.07M -76.81900M -386.55500M -437.23700M 206.59M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities 295.19M -76.81900M -386.55500M -437.23700M 202.91M
Net borrowings 0.00000M -135.20100M 29.50M 100.00M -200.00000M
Total cash from financing activities -491.50800M -450.17500M -211.53700M -293.74900M -342.66900M
Change to operating activities - - - -78.18800M 45.16M
Net income 1233.33M 1751.44M 1095.09M -327.31300M 1281.99M
Change in cash 190.99M -67.44800M 137.91M -333.15500M 208.34M
Begin period cash flow 373.41M 440.86M 302.95M 636.10M 427.76M
End period cash flow 564.40M 373.41M 440.86M 302.95M 636.10M
Total cash from operating activities 387.31M 459.55M 736.01M 397.83M 348.10M
Issuance of capital stock 197.31M - - 0.00000M 395.96M
Depreciation - - 9.12M 38.13M 32.72M
Other cashflows from investing activities - 26.29M 21.91M -437.23700M -3.68500M
Dividends paid 588.47M -275.17900M -64.42500M 144.36M 340.02M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -1.47500M -0.97700M -99.43500M -135.45900M -156.10700M
Other cashflows from financing activities -98.87800M -38.81800M -77.17800M -13.93000M 353.45M
Change to netincome - - - 638.20M -877.28300M
Capital expenditures 0.00000M 0.00000M 16.68M 0.00000M 0.00000M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -45.00800M 252.12M 83.97M -1617.92900M -140.20300M
Stock based compensation - - 0.32M -38.13200M -32.71800M
Other non cash items -801.01800M -1710.52600M -557.43000M 2441.45M -833.19700M
Free cash flow 387.31M 459.55M 736.01M 397.83M 348.10M

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		 -0.03 0.18% 16.95 4.88 7.87 1.72 0.67 2.16
MFC
Manulife Financial Corp		 -0.6 1.05% 56.45 17.14 11.61 2.82 1.99 1.56
GWO
Great-West Lifeco Inc.		 0.27 0.31% 87.90 16.63 13.07 1.81 2.37 1.84
MFC-PK
Manulife Financial Corp Pref K		 -0.015 0.06% 25.50 4.95 - 3.01 -
MFC-PJ
Manulife Fin Non Cum Cl 1 11 Prf		 - -% 25.54 4.84 - 2.81 -

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 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. The company 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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