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E-L Financial Corporation Limited (ELF.TO)
Toronto, ON, CA
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.30% | -2.22% | +2.51% | -1.32% | +0.76% | +5.53% | +14.47% | +88.68% | +79.79% | +148.84% | +517.63% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Life: +10.6%-47.2% Q1'26: -95.3% (vs Q1'25)
-
EPS growth Insurance - Life: +13.4%+8,417.7% ★ Q1'26: -62.4% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Life: +31.7%+75.9% Q1'26: +820.8% (vs Q1'25)
-
EBIT margin Insurance - Life: +12.4%+93.1% ★ Q1'26: +31.3% (vs Q1'25)
-
ROIC Insurance - Life: +1.0%+13.0% ★ Q1'26: +0.2% (vs Q1'25)
-
Share dilution Insurance - Life: +0.4%-7.4% ★ Q1'26: -1.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×0.36× Q1'26: 29.98× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2018 actual |
Dec 2019 actual |
|---|---|---|
| Revenue |
1.07B
est: 330.12M (+223.2%)
|
2.91B
est: 380.43M (+664.0%)
|
| EBITDA |
132.98M
est: 164.31M (-19.1%)
|
1.07B
est: 189.36M (+465.1%)
|
| EBIT |
109.83M
est: 162.57M (-32.4%)
|
1.04B
est: 187.35M (+457.1%)
|
| Net Income |
28.05M
|
747.86M
|
| SGA |
176.96M
est: 9.70M (+1,723.6%)
|
184.93M
est: 11.18M (+1,553.8%)
|
| EPS |
0.06
|
1.86
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-08 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-07 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-06 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-05 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-04 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-01 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-30 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-29 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-28 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 2/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-24 | A | 4/5 | 3/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 3/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | FlexShares Morningstar Developed Markets ex-US Factor Tilt Index Fund TLTD | 0.08% | 551.3K | 0.41% |
| 2 | Dimensional - International Small Cap Value ETF DISV | 0.01% | 691.8K | 0.42% |
| 3 | Dimensional - International Small Cap ETF DFIS | 0.01% | 741.4K | 0.39% |
| 4 | Dimensional International Sustainability Core 1 ETF DFSI | 0.01% | 122.6K | 0.24% |
| 5 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.01% | 755.6K | 0.28% |
| 6 | Dimensional - International Core Equity 2 ETF DFIC | 0.00% | 382.0K | 0.22% |
| 7 | Dimensional - International Core Equity Market ETF DFAI | 0.00% | — | 0.18% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Mark Sylvia | Chief Executive Officer & President of The Empire Life Insurance Company | 2M | male |
| Duncan Newton Rowell Jackman | Chairman, President & Chief Executive Officer | 1M | male |
| Fahad Khan | Vice President & Chief Investment Officer | 1M | male |
| Richard Carty | Vice President, General Counsel & Corporate Secretary | 1M | male |
| Paul Holba | Senior Vice President & Chief Investment Officer of Empire Life Investments Inc. | 956.0K | male |
| Scott F. Ewert | Vice President & Chief Financial Officer | 676.2K | male |
| Muhammad Patel | Controller | — | — |
| Susan C. Clifford | Treasurer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ELF.TO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
