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E-L Financial Corporation Limited

Data quality: 100%
ELFIF
OTC Financial Services Insurance - Life
$11.35
▼ $0.04 (-0.31%)
Mkt Cap: 3.93B
Day Range
$11.35 $11.40
52-Week Range
$8.26 $13.92
Volume
200
50D / 200D Avg
$12.41 / $11.79
Prev Close
$11.39

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (857 peers)

Metric Stock Sector Median
P/E 3.2 10.2
P/B 0.4 1.1
ROE % 14.1 11.7
Net Margin % 69.8 16.8
Rev Growth 5Y % -6.6 11.7
D/E 0.1 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

Earnings Surprises

Last 8 quarters
Quarter Est. EPS Actual EPS Surprise
2026-03-05 N/A $0.45
2025-11-10 N/A $0.82
2025-08-07 N/A $0.78
2025-05-06 N/A $16.90
2024-12-31 N/A $53.56
2024-11-08 N/A $100.66
2024-08-08 N/A $49.39
2024-05-08 N/A $110.84

Dividend History

7 yr streak

Yield

0.11%

Payout Ratio

0.48%

Growth (3Y)

60.75%

Growth (5Y)

40.00%

Ex-Date Payment Date Amount Yield
Mar 31, 2026 Apr 17, 2026 $0.03 7.78%
Mar 03, 2026 Mar 13, 2026 $0.77 7.22%
Dec 31, 2025 Jan 16, 2026 $0.03 9.59%
Sep 29, 2025 Oct 17, 2025 $0.03 9.71%
Jun 30, 2025 Jul 17, 2025 $0.03 9.77%
Mar 31, 2025 Apr 17, 2025 $0.03 17.85%
Mar 03, 2025 Mar 14, 2025 $1.04 15.25%
Dec 31, 2024 Jan 17, 2025 $0.03 5.83%
Sep 27, 2024 Oct 17, 2024 $0.03 5.73%
Jun 28, 2024 Jul 17, 2024 $0.03 6.84%
May 13, 2024 Jun 14, 2024 $0.44 6.85%
Mar 27, 2024 Apr 17, 2024 $0.03 1.42%
Dec 28, 2023 Jan 17, 2024 $0.03 1.41%
Sep 28, 2023 Oct 17, 2023 $0.03 1.53%
Jun 29, 2023 Jul 17, 2023 $0.03 1.36%
Mar 30, 2023 Apr 17, 2023 $0.03 1.27%
Dec 29, 2022 Jan 17, 2023 $0.02 4.13%
Sep 28, 2022 Oct 17, 2022 $0.02 4.41%
Jun 29, 2022 Jul 15, 2022 $0.02 14.33%
Mar 30, 2022 Apr 14, 2022 $0.22 12.92%

Key Takeaways

Revenue declined -6.64% annually over 5 years
Earnings declined -21.47% over the past year
ROE of 14.07% — decent returns on equity
Net margin of 69.84% shows strong profitability
Debt/Equity of 0.07 — conservative balance sheet
Generating 386.99M in free cash flow

Growth

Revenue Growth (5Y)
-6.64%
Revenue (1Y)-47.26%
Earnings (1Y)-21.47%
FCF Growth (3Y)-27.49%

Quality

Return on Equity
14.07%
ROIC12.76%
Net Margin69.84%
Op. Margin93.10%

Safety

Debt / Equity
0.07
Current RatioN/A
Interest Coverage65.10

Valuation

P/E Ratio
3.19
Forward P/EN/A
P/B Ratio0.43
EV/EBITDA2.41
Dividend Yield0.11%

All Fundamental Metrics

Growth
Revenue Growth (1Y) -47.26% Revenue Growth (3Y) -23.26%
Earnings Growth (1Y) -21.47% Earnings Growth (3Y) 13.61%
Revenue Growth (5Y) -6.64% Earnings Growth (5Y) 1.41%
Profitability
Revenue (TTM) 1.77B Net Income (TTM) 1.23B
ROE 14.07% ROA 4.12%
Gross Margin 100.00% Operating Margin 93.10%
Net Margin 69.84% Free Cash Flow (TTM) 386.99M
ROIC 12.76% FCF Growth (3Y) -27.49%
Safety
Debt / Equity 0.07 Current Ratio N/A
Interest Coverage 65.10
Dividends
Dividend Yield 0.11% Payout Ratio 0.48%
Dividend Growth (3Y) 60.75% Dividend Growth (5Y) 40.00%
Consecutive Div Years 7 yrs
Valuation
P/E Ratio 3.19 Forward P/E N/A
P/B Ratio 0.43 P/S Ratio 2.22
PEG Ratio -0.05 Forward PEG N/A
EV/EBITDA 2.41 Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 9.85%
Market Cap 3.93B Enterprise Value 3.96B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 1.77B 3.35B 3.00B -1.18B 2.32B
Net Income 1.23B 1.57B 955.28M -331.44M 1.17B
EPS (Diluted) 3.62 424.80 245.24 -96.03 284.39
Gross Profit 1.77B 2.14B 1.42B -758.24M 1.61B
Operating Income 1.64B 2.07B 1.27B -561.31M 1.50B

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 29.94B 28.12B 25.76B 23.49B 26.79B
Total Liabilities 19.30B 18.38B 17.50B 15.75B 18.20B
Shareholders' Equity 9.06B 8.47B 7.16B 6.71B 7.32B
Total Debt 599.08M 598.87M 733.37M 702.92M 602.16M
Cash & Equivalents 563.94M 373.41M 440.86M 302.95M 636.10M
Current Assets 890.31M 375.24M 446.57M 2.20B 2.67B
Current Liabilities 0.0 82.59M 123.88M 254.84M 189.12M

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#432 of 834
41

Recent Activity

Exited Defensive Investing (Benjamin Graham)
Mar 26, 2026
Entered Deep Value Investing (Seth Klarman)
Mar 24, 2026
Entered Defensive Investing (Benjamin Graham)
Mar 24, 2026