E-L Financial (ELF) AI Stock Analysis

• Market Cap: C$5.76B
• Dividend Yield: 892.19%
• Average Volume (3M): 29.60K
• Price to Earnings (P/E): 4.5
• Beta (1Y): 1.07
• Revenue Growth: -31.32%
• EPS Growth: -26.23%
• Country: CA
• Employees: 1,236
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 0.61
• Shares Outstanding: 346,101,600
• 10 Day Avg. Volume: 21,106
• 30 Day Avg. Volume: 29,601
• PEG Ratio: <0.01
• Price to Book (P/B): 0.61
• Price to Sales (P/S): 3.14
• P/FCF Ratio: 14.32
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: C$18.00 ▲(8.70% Upside)
• Action: Reiterated Date: 03/12/26
• Date: Action: Reiterated 03/12/26

The score is supported primarily by strong financial strength (low leverage, solid ROE) and very attractive valuation (low P/E and high dividend yield). This is tempered by meaningful earnings/cash-flow volatility and currently weaker technical momentum (negative MACD, sub-neutral RSI, and price below short-term moving averages).

Positive Factors

Conservative balance sheet and low leverage

A very low debt-to-equity ratio and a large equity base provide durable financial flexibility, reducing solvency risk and supporting underwriting capacity and capital returns. Healthy ROE in profitable years shows the company can generate attractive equity returns when results are favorable.

Negative Factors

Revenue and earnings volatility

Significant swings in revenue and net income highlight dependence on market-driven investment gains and insurance cycle timing. This volatility makes earnings less predictable, complicates capital planning and raises the risk that future capital returns or underwriting capacity will be episodic.

E-L Financial Business Overview & Revenue Model

Company Description

E-L Financial Corporation Limited operates as an investment and insurance holding company in Canada. It operates through two segments, E-L Corporate and Empire Life. The company owns investments in equities and fixed income securities directly and...

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E-L Financial Corporation Limited operates as an investment and insurance holding company in Canada. It operates through two segments, E-L Corporate and Empire Life. The company owns investments in equities and fixed income securities directly and...

How the Company Makes Money

ELF makes money primarily through (1) investment income and changes in the value of its investment portfolio and (2) earnings generated by its insurance-related operating businesses. 1) Investment and holding-company income - Dividend and interes...

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ELF makes money primarily through (1) investment income and changes in the value of its investment portfolio and (2) earnings generated by its insurance-related operating businesses. 1) Investment and holding-company income - Dividend and interes...

E-L Financial Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.77B	3.35B	3.00B	-1.18B	2.32B
Gross Profit	1.77B	2.14B	1.42B	-758.24M	1.61B
EBITDA	1.65B	2.12B	1.32B	-525.74M	1.56B
Net Income	1.23B	1.57B	955.28M	-331.44M	1.17B
Balance Sheet
Total Assets	29.96B	28.12B	25.76B	23.49B	26.79B
Cash, Cash Equivalents and Short-Term Investments	564.40M	374.25M	445.82M	2.04B	2.60B
Total Debt	599.57M	598.87M	733.37M	702.91M	602.16M
Total Liabilities	19.31B	18.38B	17.50B	15.75B	18.20B
Stockholders Equity	9.07B	8.47B	7.11B	6.71B	7.32B
Cash Flow
Free Cash Flow	387.31M	459.55M	736.01M	380.95M	344.42M
Operating Cash Flow	387.31M	459.55M	736.01M	397.83M	348.10M
Investing Cash Flow	295.19M	-76.82M	-386.56M	-437.24M	202.91M
Financing Cash Flow	-491.51M	-450.18M	-211.54M	-293.75M	-319.12M

E-L Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.56
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:ELF, the sentiment is Positive. The current price of 16.56 is above the 20-day moving average (MA) of 16.04, above the 50-day MA of 16.09, and above the 200-day MA of 15.36, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 64.08 is Neutral, neither overbought nor oversold. The STOCH value of 93.38 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:ELF.

E-L Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ELF	73 Outperform	C$5.76B	4.49	14.46%	892.19%	-31.32%	-26.23%
MFC	72 Outperform	C$84.78B	14.68	11.34%	3.49%	5.46%	10.52%
SLF	72 Outperform	C$50.00B	12.88	14.68%	4.11%	-19.88%	-13.92%
IGM	71 Outperform	C$16.11B	13.28	12.37%	3.59%	-1.02%	-5.65%
POW	70 Outperform	C$44.19B	17.80	12.83%	3.28%	-9.03%	44.14%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GWO	65 Neutral	C$61.31B	14.06	13.98%	3.62%	-20.64%	14.88%

E-L Financial Corporate Events