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E-l Financial(OTC) ELFIF

Current Price$12.00
Market Cap$4.15BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2011)+469%
5 Year+142%
1 Year+17%
1 Month+0%
E-l Financial last closing stock price
MetricPriceDate
Last closeUSD 12.002026-07-22
E-l Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.17%USD 12.022026-07-15
1 month+0.07%USD 11.992026-06-22
3 month-3.23%USD 12.402026-04-23
Year to date+7.16%USD 11.202025-12-31
1 year+17.28%USD 10.232025-07-22
3 year+119.76%USD 5.462023-07-17
5 year+142.49%USD 4.952021-07-23
Since inception+469.18%USD 2.112011-10-12

E-l Financial Financials at a Glance

Market Cap

$4.15BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

CA$2.85B

Net Income (TTM)

CA$1.18B

EPS (TTM)

$2.38

P/E Ratio

4.87

Dividend

$0.11

Beta (Volatility)

0.30 (Low)

Price

$12.00

Volume

32,577

Open

$12.06

Previous Close

$12.00

Daily Range

$12.00 - $12.06

52-Week Range

$9.73 - $13.09

Estimated Earnings Date

Aug 6, 2026

ELFIF News

No articles available.

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About E-l Financial

E-L Financial Corporation Limited operates as an investment and insurance holding company in Canada, focusing on life and health insurance, wealth management, and investment services. The company is structured into two segments: E-L Corporate and Empire Life, providing a diverse range of financial products.

Products and Services
  • Life and health insurance policies
  • Wealth management and financial services
  • Investment products including mutual funds and annuities
Growth Outlook
  • Strong revenue growth with TTM revenue of CAD 3.2 billion
  • Net income increased significantly to CAD 30.9 million in Q1 2026
  • Consistent dividend yield of 7.18% attracting income-focused investors
Financial Highlights
  • Recent quarterly revenue of CAD 323.2 million, showing resilience
  • Net profit margin of 9.57% in Q1 2026, indicating operational efficiency
  • Low debt ratio of 2.03%, reflecting strong financial stability
E-L Financial Corporation Limited has demonstrated robust financial performance, with a notable increase in net income and revenue over recent quarters. The company's focus on life and health insurance, alongside wealth management services, positions it well within the financial services sector. The strong dividend yield and low debt levels further enhance its attractiveness to potential investors. With a solid foundation and a diverse product offering, E-L Financial Corporation Limited presents a compelling opportunity for those interested in the insurance and investment landscape.
AI Generated • Jul 16, 2026

Industry

Insurance

Sector

Financials

Employees

21

CEO

Duncan N. R. Jackman

Website

www.e-lfinancial.ca

Headquarters

Toronto, ON M5H 3B8, CA

ELFIF Financials

Key Financial Metrics (TTM)

Gross Margin

59.84%

Operating Margin

57.80%

Net Income Margin

43.93%

Return on Equity

13.43%

Return on Capital

17.01%

Return on Assets

4.01%

Earnings Yield

20.53%

Dividend Yield

0.93%

Payout Ratio

36.72%

Stock Overview

Market Cap

$4.15BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

345.76M

Volume

32.58K

Avg. Volume

7.90K

Financials (TTM)

Gross Profit

CA$1.61B

Operating Income

CA$1.55B

EBITDA

CA$1.58B

Operating Cash Flow

CA$343.20M

Capital Expenditure

CA$0.00

Free Cash Flow

CA$343.20M

Cash & ST Invst.

CA$469.58M

Total Debt

CA$601.20M

E-l Financial Performance Analysis

E-l Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31CAD 81,923,965-95.6%
20232023-12-31CAD 2,416,748,5382850.0%
20242024-12-31CAD 2,448,067,9181.3%
20252025-12-31CAD 2,218,601,852-9.4%
E-l Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3099.4%
Q32025-09-3075.7%
Q42025-12-31-45.8%
Q12026-03-31-50.2%
E-l Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31CAD -0.74N/A
20232023-12-31CAD 1.82N/A
20242024-12-31CAD 3.1070.7%
20252025-12-31CAD 2.46-20.7%
E-l Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-95.6%
Q32025-09-3051.4%
Q42025-12-31-61.0%
Q12026-03-31-85.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

CA$323.24M

-5.4%

Gross Profit

CA$14.31M

-90.4%

Gross Margin

4.43%

N/A

Market Cap

$4.15BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$3.32M

N/A

Employees

1,250

N/A

Net Income

CA$30.93M

-64.2%

EBITDA

CA$11.92M

-88.4%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

CA$469.58M

+41.1%

Total Debt

CA$601.20M

+0.4%

Accounts Receivable

CA$325.30M

+7077.8%

Inventory

CA$0.00

N/A

Long Term Debt

CA$601.20M

+0.4%

Short Term Debt

CA$0.00

N/A

Return on Assets

4.01%

N/A

Return on Invested Capital

5.37%

N/A

Free Cash Flow

CA$41.87M

+2173.7%

Operating Cash Flow

CA$41.87M

+2173.7%

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Questions About ELFIF

What is the current price of E-l Financial?

E-l Financial is trading at $12.00 per share.

What is the 52-week range for E-l Financial?

Over the past 52 weeks, E-l Financial has traded between $9.73 and $13.09.

How much debt does E-l Financial have?

As of the most recent reporting period, E-l Financial reported total debt of CA$429.69M.

How much cash does E-l Financial have on hand?

E-l Financial reported CA$335.62M in cash and cash equivalents in its most recent financial results.

What is E-l Financial’s dividend yield?

E-l Financial currently has a dividend yield of 0.93%.

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