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Home CompaniesE-L Financial Corp Ltd

E-L Financial Corp Ltd

Financial Services Insurance - Life
PortfolioPortfolio WatchlistWatchlist
Company price
19.615 CAD -0.06 ( 0.28%)
Last update at 2026-11-03T20:50:00Z
VOLUME
18954
Market Cap
5814.51M
P/E
4.88

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
19.46
Low
19.88
High
52 Week Price Range
11.68
Low
17.79
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

E-L Financial Corp Ltd is a Toronto-listed investment holding company that manages a diversified portfolio of publicly traded equities, fixed income and selected controlling interests, aiming for long-term capital appreciation and income. Major long-term growth drivers include investment returns across market cycles, disciplined portfolio management and retained earnings that may support reinvestment or capital distribution; investors may find the company attractive for its long-term orientation and diversified asset exposure.
Primary investment risks include portfolio-value volatility driven by market and interest-rate movements, potential concentration in a few large holdings and reliance on management’s investment decisions.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
19.67
Dividend Yield
0.93%
Revenue TTM
3387.76M
Revenue Per Share
10.07
Gross Profit TTM
2051.54M
Debt / Equity
0.07
ROE
13.60%
Net Debt
35.17M
ROCE
5.65%
Diluted EPS TTM
3.44

Key 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 -355.03M 1497.34M
Minority interest -149.91M -181.41M -139.81M 154.24M -116.18M
Net income 1234.00M 1570.03M 955.28M -327.31M 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 -706.98M 2323.63M
Reconciled depreciation 26.65M 22.40M 18.88M 38.13M 14.41M
Ebit - 2094.30M 1300.37M -172.80M 1412.91M
Ebitda 1645.00M 2116.70M 1319.25M -134.67M 1445.63M
Depreciation and amortization - 22.40M 18.88M 38.13M 32.72M
Operating income 1645.00M 2068.95M 1274.45M -172.80M 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 -27.72M 215.35M
Interest income 434.25M 410.70M 359.09M 481.04M 800.21M
Net interest income -25.27M -25.36M -25.92M -27.99M -31.75M
Income tax expense 259.00M 317.51M 179.36M -27.72M 215.35M
Total revenue 1767.00M 3347.94M 2997.79M -706.98M 2323.63M
Total operating expenses 122.00M 70.31M 145.74M -351.95M 826.28M
Cost of revenue - 1208.69M 1577.61M - -
Total other income expense net - - -1393.98M -182.23M 84.43M
Net income from continuing ops 1385.92M 1751.44M 1095.09M -327.31M 1281.99M
Net income applicable to common shares - 1563.04M 933.18M -189.91M 1137.41M
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
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
Other current liab 653.78M - -244.55M -254.84M -189.12M
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 - -160.67M 254.84M 189.12M
Net debt 35.17M 225.46M 292.51M 399.97M -33.94M
Short term debt - - - - 0.00M
Short long term debt - 0.00M - - -
Short long term debt total 599.57M - 733.37M 702.91M 602.16M
Other stockholder equity - - -300.00M 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 - - -446.57M - -
Accounts payable 167.72M 82.59M 83.88M 254.84M 189.12M
Accumulated other comprehensive income 47.16M - 22.76M -117.45M 37.87M
Non currrent assets other 210.06M - 17758.06M -14145.43M -16490.27M
Non current assets total 29070.04M - 24983.50M 14145.43M 16490.27M
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 -76.82M -386.56M -437.24M 206.59M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities 295.19M -76.82M -386.56M -437.24M 202.91M
Net borrowings 0.00M -135.20M 29.50M 100.00M -200.00M
Total cash from financing activities -491.51M -450.18M -211.54M -293.75M -342.67M
Change to operating activities - - - -78.19M 45.16M
Net income 1233.33M 1751.44M 1095.09M -327.31M 1281.99M
Change in cash 190.99M -67.45M 137.91M -333.15M 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 - - 0.00M 395.96M
Depreciation - - 9.12M 38.13M 32.72M
Other cashflows from investing activities - 26.29M 21.91M -437.24M -3.69M
Dividends paid 588.47M -275.18M -64.42M 144.36M 340.02M
Sale purchase of stock -1.48M -0.98M -99.44M -135.46M -156.11M
Other cashflows from financing activities -98.88M -38.82M -77.18M -13.93M 353.45M
Change to netincome - - - 638.20M -877.28M
Capital expenditures 0.00M 0.00M 16.68M 0.00M 0.00M
Change in working capital -45.01M 252.12M 83.97M -1617.93M -140.20M
Stock based compensation - - 0.32M -38.13M -32.72M
Other non cash items -801.02M -1710.53M -557.43M 2441.45M -833.20M
Free cash flow 387.31M 459.55M 736.01M 397.83M 348.10M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Life

Stock Name
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		 -0.06
0.28%		 19.61 4.88 7.87 1.72 0.67 2.16
MFC
Manulife Financial Corp		 0.06
0.10%		 62.74 17.14 11.61 2.82 1.99 1.56
GWO
Great-West Lifeco Inc.		 0.64
0.70%		 92.46 16.63 13.07 1.81 2.37 1.84
MFC-PK
Manulife Financial Corp Pref K		 -
-%		 26.00 4.95 - 3.01 - -
MFC-PJ
Manulife Fin Non Cum Cl 1 11 Prf		 0.09
0.35%		 25.50 4.84 - 2.81 - -

Profile*

E-L Financial Corp Ltd

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.

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

416 947 2578

https://www.e-lfinancial.ca

1250

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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