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E-l Financial(OTC) ELFIF

Market Cap$4.45BMarket 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)+511%
5 Year+136%
1 Year+10%
1 Month-1%
$12.70
-1.47%
-0.19Today
E-l Financial last closing stock price
MetricPriceDate
Last closeUSD 12.702026-09-23
E-l Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0%USD 12.702026-09-16
1 month-1.03%USD 12.832026-08-24
3 month+6.66%USD 11.912026-06-25
Year to date+13.41%USD 11.202025-12-31
1 year+10.01%USD 11.542025-09-23
3 year+141.59%USD 5.262023-09-22
5 year+136.23%USD 5.382021-09-23
Since inception+511.4%USD 2.112011-10-12

E-l Financial Financials at a Glance

Market Cap

$4.45BMarket 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$3.95B

Net Income (TTM)

CA$1.82B

EPS (TTM)

$3.71

P/E Ratio

3.38

Dividend

$0.11

Beta (Volatility)

0.30 (Low)

Price

$12.70

Volume

14,110

Open

$12.70

Previous Close

$12.70

Daily Range

$12.70 - $12.73

52-Week Range

$10.36 - $13.47

Estimated Earnings Date

Nov 9, 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 and services.

Products and Services
  • Life and health insurance policies
  • Wealth management and financial services
  • Investment products including mutual funds and annuities
Growth Outlook
  • Recent quarterly revenue reached CAD 1.78 billion, indicating strong operational performance
  • Trailing twelve months (TTM) net income stands at CAD 1.14 billion, showcasing profitability
  • Dividend yield of 6.79% reflects commitment to returning value to shareholders
Financial Highlights
  • TTM price-to-earnings (P/E) ratio of 3.31 suggests potential undervaluation
  • Net profit margin of 46.65% indicates efficient cost management
  • Operating income ratio of 96.76% demonstrates strong operational efficiency
E-L Financial Corporation Limited has established a solid foundation in the financial services sector, with a focus on insurance and investment products. The company's recent financial performance highlights its ability to generate substantial revenue and maintain profitability, making it an attractive option for potential investors. The strong dividend yield further emphasizes the company's commitment to shareholder returns, while the low P/E ratio may suggest an opportunity for growth. Overall, E-L Financial Corporation Limited presents a compelling case for those interested in the financial services industry.
AI Generated • Sep 18, 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

62.80%

Operating Margin

61.60%

Net Income Margin

46.65%

Return on Equity

19.97%

Return on Capital

17.01%

Return on Assets

5.71%

Earnings Yield

29.59%

Dividend Yield

0.87%

Payout Ratio

23.79%

Stock Overview

Market Cap

$4.45BMarket 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

345.51M

Volume

14.11K

Avg. Volume

6.81K

Financials (TTM)

Gross Profit

CA$2.46B

Operating Income

CA$2.79B

EBITDA

CA$2.43B

Operating Cash Flow

CA$465.62M

Capital Expenditure

CA$0.00

Free Cash Flow

CA$465.62M

Cash & ST Invst.

CA$607.50M

Total Debt

CA$848.86M

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
Q32025-09-3075.7%
Q42025-12-31-45.8%
Q12026-03-31-50.2%
Q22026-06-30450.8%
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
Q32025-09-3051.4%
Q42025-12-31-61.0%
Q12026-03-31-85.5%
Q22026-06-303148.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

CA$1.78B

+161.3%

Gross Profit

CA$1.36B

+167.3%

Gross Margin

76.36%

N/A

Market Cap

$4.45BMarket 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

$3.56M

N/A

Employees

1,250

N/A

Net Income

CA$1.01B

+174.0%

EBITDA

CA$1.34B

+173.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

CA$607.50M

+59.6%

Total Debt

CA$848.86M

+41.6%

Accounts Receivable

CA$422.51M

+1473.4%

Inventory

CA$0.00

N/A

Long Term Debt

CA$848.86M

+41.6%

Short Term Debt

CA$0.00

N/A

Return on Assets

5.71%

N/A

Return on Invested Capital

7.71%

N/A

Free Cash Flow

CA$154.12M

+386.3%

Operating Cash Flow

CA$154.12M

+386.3%

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Questions About ELFIF

What is the current price of E-l Financial?

E-l Financial is trading at $12.70 per share.

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

Over the past 52 weeks, E-l Financial has traded between $10.36 and $13.47.

How much debt does E-l Financial have?

As of the most recent reporting period, E-l Financial reported total debt of CA$598.32M.

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

E-l Financial reported CA$420.09M 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 0.87%.

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