E-L Financial Corporation Limited

ELFIF | OTC

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$14.04

+$0.14 (+1.01%)

At close: Oct 30, 2026, 3:50 PM ET

$14.04

$0.00 (0.00%)

After-hours: Oct 30, 2026, 4:00 PM ET

Overview Rating Statistics Financials Earnings Ownership Dividends Profile

Market Data

Market Cap $4.85B

Enterprise Value $7.13B

Beta 0.81

Average Volume 7.65K

Shares Outstanding (Diluted) 354.64M

Shares Change YoY -0.92%

Institutional Ownership N/A

Exchange OTC

ISIN CA2685751075

Price Performance

Price Change 1M 12.9%

Price Change 3M 16.2%

Price Change 6M 12.4%

Price Change YTD 17.3%

Price Change 1Y 20.9%

Price Change 3Y 128.3%

Price Change 5Y 92.1%

1M CAGR (ann.) 10.8%

1Y CAGR (ann.) 28.3%

5Y CAGR (ann.) 21.5%

All-Time CAGR 25.9%

Valuation

PE Ratio 3.77

Forward PE N/A

PEG Ratio 0.07

Forward PEG 0.07

PS Ratio 1.71

Forward PS N/A

PB Ratio 0.70

P/FCF Ratio 12.80

P/Adj. FCF Ratio 12.80

P/OCF Ratio 12.51

EV/Sales 1.82

EV/EBIT 2.93

EV/EBITDA 2.93

EV/FCF 13.61

Earnings Yield 26.3%

FCF Yield 7.7%

Adj. FCF Yield 7.7%

Financial Health

Net Debt C$241.36M

Total Debt C$848.86M

Cash & Short-Term Investments C$607.5M

Total Assets C$31.98B

Current Ratio 1.45

Quick Ratio 1.45

Debt / Equity Ratio 0.09

Debt / EBITDA 0.35

Debt / FCF 1.62

OCF / Debt 0.62

Interest Coverage 98.61

Altman Z-Score 0.99

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 62.8%

Operating Profit Margin 61.6%

EBITDA Margin 62.2%

Net Profit Margin 46.6%

FCF Margin 13.4%

Adj. FCF Margin 13.4%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 5.7%

Return on Equity 20.0%

Return on Invested Capital 6.6%

Return on Capital Employed 7.7%

Return on Tangible Assets 5.7%

Historical Growth (CAGR)

Revenue CAGR 3Y 12.9%

Revenue CAGR 5Y 8.8%

Revenue CAGR 10Y 7.6%

EPS CAGR 3Y 25.6%

EPS CAGR 5Y 8.0%

EPS CAGR 10Y 22.3%

FCF CAGR 3Y 2.1%

FCF CAGR 5Y 11.8%

FCF CAGR 10Y 6.5%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 9, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $43.91

Graham Upside 212.8%

Lynch Fair Value $29.93

Lynch Upside 113.2%

Price Target $0.00

Price Target Upside N/A

Cash Flow

Operating Cash Flow C$523.68M

Free Cash Flow C$523.68M

Adj. Free Cash Flow C$523.68M

FCF Per Share $1.55

OCF Per Share $1.55

OCF/S Ratio 13.4%

Income Statement

Revenue C$3.91B

Gross Profit C$2.46B

Operating Income C$2.41B

EBITDA C$2.43B

Net Income C$1.83B

EPS (Diluted) $5.15

Revenue / Employee $3.13M

Profit / Employee $1.46M

Employees 1,250

Dividends

Annual Dividend $0.85

Dividend Yield 6.05%

Payout Ratio 16.6%

FCF Payout Ratio 82.9%

Adj. FCF Payout Ratio 82.9%

Dividend Growth (YoY) 652.4%

Pay Frequency Quarterly

Ex-Dividend Date Sep 29, 2026