ELF Share Price | E-L Financial Corp. Ltd. Stock Analysis & Recommendation

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

54.89 k

Shareholding (Sep 2018)

FII

0.31%

Held by 1 FIIs

DII

99.69%

Held by 0 DIIs

Promoter

0.00%

Compare E-L Financial Corp. Ltd. with Similar Stocks

Sagicor Financial Co. Ltd.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 16.26%

Healthy long term growth as Net Sales has grown by an annual rate of 7.69%

The company has declared negative results in Dec'2024 after 4 consecutive positive quarters

With ROE of 14.85%, it has a attractive valuation with a 0.68 Price to Book Value

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

CAD 6,006 Million (Mid Cap)

P/E

5.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

14.73%

Price to Book

0.68

Revenue and Profits:

Net Sales:

(Quarterly Results - Jun 2025)

Net Profit:

408 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

4.74%

6 Months

18.03%

1 Year

20.85%

2 Years

67.84%

3 Years

-98.14%

4 Years

-98.13%

5 Years

-97.89%

E-L Financial Corp. Ltd. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

8.62%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

16.61%

Dividend Payout Ratio

3.26%

Pledged Shares

Institutional Holding

0.31%

ROCE (avg)

ROE (avg)

16.26%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.68

EV to EBIT

EV to EBITDA

EV to Capital Employed

0.69

EV to Sales

2.01

PEG Ratio

Dividend Yield

ROCE (Latest)

ROE (Latest)

14.85%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Sep 2018

Shareholding Compare (%holding)

Majority shareholders

Foreign Institutions

Domestic Funds

Held in 0 Schemes (0%)

Foreign Institutions

Held by 1 Foreign Institutions (0.31%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 0.00% vs 0.00% in Jun 2024",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 53.79% vs 20.70% in Jun 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Jun'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Interest",
          "val1": "7.60",
          "val2": "6.10",
          "chgp": "24.59%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "-2.80",
          "chgp": "100.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "408.00",
          "val2": "265.30",
          "chgp": "53.79%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "566.50%",
          "val2": "430.00%",
          "chgp": "13.65%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 62.57% vs 426.54% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
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          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "10.60",
          "val2": "9.10",
          "chgp": "16.48%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "25.40",
          "val2": "25.90",
          "chgp": "-1.93%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Consolidate Net Profit",
          "val1": "1,744.40",
          "val2": "1,073.00",
          "chgp": "62.57%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "600.30%",
          "val2": "175.40%",
          "chgp": "42.49%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY

Jun'25

Jun'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

0.00

Interest

7.60

6.10

24.59%

Exceptional Items

0.00

-2.80

100.00%

Consolidate Net Profit

408.00

265.30

53.79%

Operating Profit Margin (Excl OI)

566.50%

430.00%

13.65%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Jun 2025 is 0.00% vs 0.00% in Jun 2024

Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 53.79% vs 20.70% in Jun 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

10.60

9.10

16.48%

Interest

25.40

25.90

-1.93%

Exceptional Items

0.00

Consolidate Net Profit

1,744.40

1,073.00

62.57%

Operating Profit Margin (Excl OI)

600.30%

175.40%

42.49%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 62.57% vs 426.54% in Dec 2023

All Annual Results

Company CV

About E-L Financial Corp. Ltd.

E-L Financial Corp. Ltd.

Insurance

E-L Financial Corp Ltd is a Canada-based investment and insurance holding company. It operates through the segments: E-L Corporate and The Empire Life Insurance Company (Empire or Empire Life). The operation of E-L Corporate segment include the oversight of investments in global equities held through direct and indirect holdings of common shares, investment funds, closed-end investment companies and other private companies in United, Economic and Algoma. The Empire Life operating segment underwrites life and health insurance policies and provides segregated funds, mutual funds and annuity products. Its Empire Life segment provides a range of life insurance and wealth management products, employee benefit plans and financial services for individuals, professionals and businesses through a network of Independent Financial Advisors (IFAs), Managing General Agents (MGAs), National Account firms, Mutual Fund Dealers and Employee Benefits brokers and representatives.

Company Coordinates

Company Details

165 University Ave 10th Floor , TORONTO ON : M5H3B8

Tel: 1 416 9472578

https://www.e-lfinancial.ca/

Registrar Details