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E-L Financial (ELF) AI Stock Analysis
E-L Financial
(TSX:ELF)
E-L Financial achieves a high overall score, led by its incredibly attractive valuation, robust dividend yield, and fortress balance sheet. The stock is currently enjoying strong bullish technical momentum across all major moving averages. While investors should be mindful of inherent revenue volatility typical of the life insurance industry, the company's exceptional underlying profitability and efficient capital allocation make it a fundamentally sound value investment.
E-L Financial (ELF) vs. iShares MSCI Canada ETF (EWC)
- Market Cap
- CAD 6.68B
- Dividend Yield
- 6.15%
- Average Volume (3M)
- 32.23K
- Price to Earnings (P/E)
- 3.7
- Beta (1Y)
- 1.19
- Revenue Growth
- 31.77%
- EPS Growth
- 48.87%
- Country
- Canada
- Employees
- 1,250
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Life
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 in two segments, E-L Corporate and Empire Life. The company owns investments in equities and fixed income securities directly and indirec...
How the Company Makes Money
ELF makes money through a combination of (1) insurance underwriting income, (2) investment income and gains on invested assets, and (3) investment/holding-company returns from its controlled or significant holdings. 1) Insurance operations (property...
E-L Financial Financial Statement Overview
Summary
The company presents a highly compelling financial profile anchored by an incredibly strong, low-leverage balance sheet and exceptional profitability. Although top-line revenue exhibits typical insurance-industry volatility, strong net margins and consistent positive cash flow underscore its operational efficiency and financial stability.
Income Statement
82Very PositiveBalance Sheet
96Very PositiveCash Flow
78Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.91B | 2.87B | 3.35B | 3.00B | -1.18B | 2.32B |
| Gross Profit | 2.46B | 1.74B | 2.14B | 1.42B | -758.24M | 1.61B |
| EBITDA | 2.43B | 1.70B | 2.12B | 1.31B | -525.74M | 1.54B |
| Net Income | 1.83B | 1.23B | 1.57B | 955.28M | -331.44M | 1.17B |
Balance Sheet | ||||||
| Total Assets | 31.98B | 29.96B | 28.12B | 25.76B | 23.49B | 26.79B |
| Cash, Cash Equivalents and Short-Term Investments | 607.50M | 580.12M | 374.25M | 445.82M | 2.04B | 2.60B |
| Total Debt | 848.86M | 599.57M | 598.87M | 733.37M | 702.91M | 602.16M |
| Total Liabilities | 20.65B | 19.31B | 18.38B | 17.50B | 15.75B | 18.20B |
| Stockholders Equity | 9.77B | 9.07B | 8.47B | 7.11B | 6.71B | 7.32B |
Cash Flow | ||||||
| Free Cash Flow | 523.68M | 387.31M | 459.55M | 736.01M | 380.95M | 344.42M |
| Operating Cash Flow | 523.68M | 387.31M | 459.55M | 736.01M | 397.83M | 348.10M |
| Investing Cash Flow | -203.33M | 295.19M | -76.82M | -386.56M | -437.24M | 202.91M |
| Financing Cash Flow | -102.14M | -491.51M | -450.18M | -211.54M | -293.75M | -319.12M |
E-L Financial Technical Analysis
Price Trends
Market Momentum
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 19.68 is above the 20-day moving average (MA) of 19.01, above the 50-day MA of 18.14, and above the 200-day MA of 17.02, indicating a bullish trend. The MACD of 0.48 indicates Positive momentum. The RSI at 57.73 is Neutral, neither overbought nor oversold. The STOCH value of 27.78 is Neutral, 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
Overall Rating
- TSE:ELF89Outperform
TSE:GWO81Outperform
TSE:IGM81Outperform
TSE:MFC78Outperform
TSE:POW76Outperform
TSE:SLF76Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| TSE:ELF | 89Outperform | CAD 6.68B | 3.66 | 19.97% | 6.15% | 31.77% | 48.87% |
| TSE:GWO | 81Outperform | CAD 82.51B | 18.82 | 15.48% | 2.85% | 4.29% | 21.91% |
| TSE:IGM | 81Outperform | CAD 18.85B | 16.80 | 12.91% | 2.90% | 19.92% | 20.90% |
| TSE:MFC | 78Outperform | CAD 103.49B | 16.89 | 12.98% | 3.02% | 18.31% | 18.90% |
| TSE:POW | 76Outperform | CAD 60.26B | 23.27 | 10.91% | 2.73% | 9.74% | -3.94% |
| TSE:SLF | 76Outperform | CAD 62.93B | 19.02 | 13.89% | 3.33% | -0.59% | 5.22% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| TSE:ELF | E-L Financial | 19.67 | 4.46 | 29.28% | |
| TSE:MFC | Manulife Financial | 62.68 | 18.05 | 40.45% | |
| TSE:SLF | Sun Life Financial | 112.79 | 29.65 | 35.67% | |
| TSE:IGM | IGM Financial | 83.49 | 31.02 | 59.11% | |
| TSE:GWO | Great-West Lifeco | 91.82 | 34.39 | 59.90% | |
| TSE:POW | Power Corp Of Canada | 95.65 | 31.48 | 49.06% |
E-L Financial Corporate Events
E-L Financial Delivers Surge in Investment-Driven Earnings and Higher Net Equity Value
PositiveE-L Financial reported strong results for the quarter ended June 30, 2026, with net equity value per common share rising 7.5% since year-end 2025 and 17.5% year-over-year. Consolidated shareholders’ net income surged to $1,011 million for the q...
E-L Financial Declares Eligible Dividends Across Preferred and Common Shares
PositiveE-L Financial Corporation Limited has declared cash dividends on its First Preference Shares Series 1, 2 and 3, its Series A Preference Shares, and its common shares, all with a record date of September 29, 2026, and a payable date of October 16, 202...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 17, 2026