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E-L Financial Corp Ltd

E-L Financial Corp Ltd

ELF · TO · Financial Services / Insurance - Life

19.94CAD-0.11 (-0.55%)

Price History

Full chart

Market Stats

Previous Close20.05
Open20.01
Day Range19.93 – 20.24
52-Week Range14.66 – 18.10
Volume18.12K
Market Cap6.10B
P/E (TTM)3.45
Forward P/E7.87
EPS5.12
Dividend Yield0.92%
Beta0.83
50-Day Avg17.45
200-Day Avg17.03

About

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 indirectly through common shares, investment funds, closed-end investment companies, limited partnerships, and other private and investment companies. It underwrites life and health insurance policies, wealth management products, employee benefit plans, and financial services, as well as segregated funds, mutual funds, and annuity products to individuals, professionals, and businesses through a network of independent financial advisors, managing general agents, national account firms, and group solutions brokers and representatives. The company was incorporated in 1968 and is headquartered in Toronto, Canada.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Life
  • CEOMr. Duncan Newton Rowell Jackman L.L.B.
  • Employees1.25K
  • Headquarters165 University Avenue, Toronto, ON, Canada, M5H 3B8, Canada
  • Websitehttps://www.e-lfinancial.ca

Leadership

  • Mr. Duncan Newton Rowell Jackman L.L.B.Chairman, President & CEO · b. 1967
  • Mr. Scott F. Ewert C.A., CPAVP & CFO
  • Mr. Fahad KhanVP & Chief Investment Officer
  • Mr. Richard B. CartyVP, General Counsel & Corporate Secretary · b. 1968
  • Mr. Mark A. SylviaCEO & President of The Empire Life Insurance Company
  • Muhammad PatelController
  • Mr. Paul Holba C.F.A.Senior VP & Chief Investment Officer of Empire Life Investments Inc.

Financials

Income Statement

Currency: CAD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue860.90M812.10M900.20M964.60M1.14B1.11B1.19B1.27B1.31B1.38B1.65B1.98B2.20B2.32B2.16B1.60B2.15B2.78B2.83B1.44B1.59B2.37B1.96B1.67B2.34B1.07B2.91B2.56B2.32B-1.18B3.00B3.35B2.87B
Growth (%)--5.67%+10.85%+7.15%+17.71%-2.29%+6.89%+6.86%+3.12%+5.62%+19.76%+19.90%+11.06%+5.43%-6.80%-26.02%+34.58%+29.25%+1.78%-49.23%+10.25%+49.19%-16.94%-14.91%+39.77%-54.34%+172.44%-11.75%-9.41%-150.73%+354.33%+11.68%-14.28%
Cost of Revenue111.00M95.20M102.50M119.70M126.80M148.00M146.60M150.19M155.93M189.42M244.68M286.08M318.94M331.40M1.62B-1.11B-1.78B1.90B2.51B1.00B590.45M1.61B982.63M1.02B1.25B747.73M1.66B1.57B715.35M-420.44M1.58B1.21B1.13B
Gross Profit749.90M716.90M797.70M844.90M1.01B961.40M1.04B1.12B1.15B1.19B1.41B1.70B1.88B1.99B544.59M2.71B3.94B883.69M327.46M436.41M995.26M756.89M982.31M648.07M1.09B319.15M1.25B989.91M1.61B-758.24M1.42B2.14B1.74B
Gross Margin87.11%88.28%88.61%87.59%88.83%86.66%87.64%88.15%88.07%86.28%85.20%85.57%85.51%85.72%25.18%169.15%182.88%31.75%11.56%30.34%62.76%31.99%49.99%38.76%46.46%29.91%43.01%38.59%69.21%64.33%47.37%63.90%60.71%
Operating Expense00000000000000217.38M2.77B4.13B675.88M366.38M-48.27M131.40M174.97M173.68M215.21M189.65M229.92M222.97M276.44M110.94M-196.93M145.74M70.31M97.40M
Operating Income749.90M716.90M797.70M844.90M1.01B961.40M1.04B1.12B1.15B1.19B1.41B1.70B1.88B1.99B327.21M-58.30M-196.17M207.82M-38.92M484.67M863.86M581.92M808.63M432.86M896.05M89.23M1.03B713.47M1.50B-561.31M1.27B2.07B1.65B
Operating Margin87.11%88.28%88.61%87.59%88.83%86.66%87.64%88.15%88.07%86.28%85.20%85.57%85.51%85.72%15.13%-3.64%-9.11%7.47%-1.37%33.70%54.48%24.60%41.15%25.89%38.35%8.36%35.34%27.82%64.44%47.62%42.51%61.80%57.32%
EBITDA749.90M716.90M797.70M844.90M1.01B961.40M1.04B1.12B1.07B1.19B1.41B1.70B1.88B1.99B327.21M-57.81M-195.66M221.48M13.84M511.86M899.66M612.83M834.46M460.82M936.36M132.97M1.07B764.89M1.56B-525.74M1.32B2.12B1.70B
EBITDA Margin87.11%88.28%88.61%87.59%88.83%86.66%87.64%88.15%81.99%86.28%85.20%85.57%85.51%85.72%15.13%-3.61%-9.09%7.96%0.49%35.59%56.74%25.90%42.47%27.56%40.07%12.46%36.82%29.82%67.21%44.60%44.01%63.22%59.10%
Net Income41.60M41.00M43.60M58.10M166.40M57.20M52.60M73.39M77.18M51.51M46.87M210.19M293.70M372.52M210.69M-127.31M-184.91M182.70M-43.88M472.99M904.44M403.20M528.49M329.70M663.44M28.05M747.86M503.74M1.17B-331.44M955.28M1.57B1.23B
Net Income Margin4.83%5.05%4.84%6.02%14.66%5.16%4.44%5.79%5.91%3.73%2.84%10.61%13.34%16.05%9.74%-7.96%-8.59%6.56%-1.55%32.88%57.04%17.04%26.90%19.72%28.39%2.63%25.73%19.64%50.17%28.12%31.87%46.90%43.00%
Interest Expense0000000000000000013.66M13.68M13.70M18.98M14.18M8.96M9.30M18.61M20.60M16.61M20.80M31.75M20.74M25.92M25.36M25.27M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.49%0.48%0.95%1.20%0.60%0.46%0.56%0.80%1.93%0.57%0.81%1.37%-1.76%0.86%0.76%0.88%

Balance Sheet

Currency: CAD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.94B3.03B3.05B3.60B5.13B5.52B5.76B6.25B4.52B4.73B5.35B6.05B6.96B7.36B8.24B7.57B8.59B9.27B14.60B16.66B15.89B17.91B18.97B20.58B22.64B21.35B23.75B24.95B26.79B23.49B25.76B28.12B29.96B
Total Liabilities2.54B2.58B2.56B3.06B4.41B4.52B4.69B5.04B3.20B3.39B3.89B4.28B4.71B4.86B5.41B5.23B5.98B6.47B11.66B12.69B11.32B12.86B13.47B14.67B16.07B14.81B16.37B17.29B18.20B15.75B17.50B18.38B19.31B
Total Equity362.90M402.70M444.00M498.30M667.60M951.10M1.00B1.14B1.25B1.27B1.38B1.68B1.92B2.40B2.70B2.22B2.45B2.63B2.72B3.33B3.80B4.23B4.73B5.01B5.60B5.56B6.31B6.52B7.32B6.71B7.11B8.47B9.07B
Cash---------------357.29M327.53M339.07M248.84M394.00M319.75M316.81M306.55M419.91M338.99M332.56M303.08M427.76M636.10M302.95M440.86M373.41M564.40M
Total Debt18.60M9.70M27.90M21.90M------------198.98M199.19M199.41M225.11M498.34M298.76M317.34M667.03M947.20M516.73M464.10M602.27M602.16M702.91M733.37M598.87M599.57M
Net Debt18.60M9.70M27.90M21.90M------------357.29M-128.55M-139.89M-49.43M-168.88M178.59M-18.05M-7.43M78.70M459.30M156.21M161.01M174.51M-33.94M399.97M292.51M225.46M35.17M

Cash Flow

Currency: CAD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-14.00M-24.70M128.40M120.60M132.70M-42.20M73.20M-30.56M-26.40M96.57M259.15M314.78M318.56M255.22M189.45M263.94M420.34M291.11M326.34M423.34M275.69M186.48M202.91M340.07M346.80M387.59M416.53M329.07M348.10M397.83M736.01M459.55M387.31M
Investing Cash Flow-53.50M119.90M-165.00M-123.90M-14.40M42.50M-1.30M-43.94M7.54M-99.55M-216.60M-342.55M-269.80M-436.85M-52.71M-272.52M-608.14M-267.01M-403.75M-344.07M-272.39M59.73M23.97M-509.36M-655.07M-8.60M-345.45M40.12M202.91M-437.24M-386.56M-76.82M295.19M
Financing Cash Flow-21.30M-10.90M16.30M-19.80M20.80M-1.90M-1.90M-1.92M-1.92M-1.92M-1.92M90.80M-7.24M88.46M-12.06M12.78M161.96M-11.56M-15.28M68.95M-52.08M-249.15M-237.15M282.65M227.35M-385.42M-100.55M-244.52M-319.12M-293.75M-211.54M-450.18M-491.51M
Capital Expenditure00000000000000000000114.49M010.23M08.19M012.68M7.86M3.69M16.88M16.68M00
Free Cash Flow-14.00M-24.70M128.40M120.60M132.70M-42.20M73.20M-30.56M-26.40M96.57M259.15M314.78M318.56M255.22M189.45M263.94M420.34M291.11M326.34M423.34M161.20M186.48M192.69M340.07M338.61M387.59M403.85M321.21M344.42M380.95M736.01M459.55M387.31M
Dividends Paid1.90M1.90M1.90M1.90M1.90M1.90M1.90M1.92M1.92M1.92M1.92M31.27M7.24M8.50M12.06M12.06M12.06M12.06M15.28M15.03M319.02M17.56M17.56M31.13M35.65M35.65M35.65M133.36M340.02M144.36M64.42M275.18M588.47M
FCF to OCF100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%58.47%100.00%94.96%100.00%97.64%100.00%96.96%97.61%98.94%95.76%100.00%100.00%100.00%
Dividend Paid to FCF-13.57%-7.69%1.48%1.58%1.43%-4.50%2.60%-6.28%-7.27%1.99%0.74%9.93%2.27%3.33%6.37%4.57%2.87%4.14%4.68%3.55%197.90%9.42%9.11%9.15%10.53%9.20%8.83%41.52%98.72%37.89%8.75%59.88%151.94%

Earnings

Report DateMar 4, 1999Apr 23, 1999Jul 31, 2007Nov 5, 2007Mar 4, 2008May 5, 2008Aug 5, 2008Nov 3, 2008Mar 3, 2009May 8, 2009Aug 12, 2009Nov 3, 2009Mar 8, 2010May 5, 2010Aug 5, 2010Nov 4, 2010May 18, 2011Aug 4, 2011Nov 3, 2011Mar 7, 2012May 16, 2012Aug 9, 2012Nov 7, 2012Mar 7, 2013May 10, 2013Aug 9, 2013Nov 6, 2013Mar 10, 2014May 13, 2014Aug 8, 2014Nov 10, 2014Mar 9, 2015May 12, 2015Aug 6, 2015Nov 5, 2015Mar 7, 2016May 4, 2016Aug 4, 2016Nov 8, 2016Mar 3, 2017May 10, 2017Aug 3, 2017Nov 7, 2017Mar 14, 2018May 3, 2018Aug 10, 2018Nov 8, 2018Mar 5, 2019May 9, 2019Aug 8, 2019Nov 7, 2019Mar 3, 2020May 7, 2020Aug 6, 2020Nov 9, 2020Mar 3, 2021May 6, 2021Aug 5, 2021Nov 8, 2021Mar 3, 2022May 9, 2022Aug 9, 2022Nov 8, 2022Mar 2, 2023May 12, 2023Aug 9, 2023Nov 7, 2023Mar 7, 2024May 8, 2024Aug 8, 2024Nov 5, 2024Mar 6, 2025May 6, 2025Aug 7, 2025Nov 10, 2025Mar 5, 2026May 12, 2026Aug 6, 2026Nov 9, 2026
EPS Estimate3.633.76--------0.93-22.6324.76-8.013.9010.69-2.090.100.190.070.25-0.03-0.180.11-0.070.15-0.250.180.25-0.17----------------------------------------------
EPS Actual3.482.800.150.050.31-0.070.11-0.08-0.46-41.0019.16-40.171.036.53-7.2616.700.060.05-0.25-0.060.340.110.02-0.060.330.090.151.080.050.190.170.320.660.080.060.47-0.150.2343.5222.7760.4122.3011.3158.800.150.240.22-0.590.710.100.230.68-170.26108.8348.71124.11114.9659.3341.5068.55-65.01-122.249.96121.0280.0048.31-17.00132.30148.7262.96135.1375.0524.801.021.590.600.092.85-
Surprise-4.13%-25.53%--------4308.60%184.67%-262.24%112.86%67.44%-167.91%899.04%-40.00%-73.68%-453.00%-124.00%-266.67%111.11%-154.55%-28.57%0.00%--80.00%5.56%-32.00%-288.24%----------------------------------------------
Timing----------------After-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hours-----After-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours---------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap6.10B
Enterprise Value6.70B
Trailing P/E3.45
Forward P/E7.87
PEG Ratio1.89
Price / Sales1.45
Price / Book0.65
EPS5.12
Book Value27.41
Revenue (TTM)4.22B
Gross Profit (TTM)2.84B
EBITDA2.63B
Profit Margin43.23%
Operating Margin78.12%
Return on Equity19.63%
Return on Assets5.45%
Shares Outstanding345.62M
Shares Float199.14M
Beta0.83
Dividend Yield0.92%
Dividend Rate0.16
Payout Ratio22.81%

Dividends

20264×
0.04Sep 29, 20260.04Jun 30, 20260.04Mar 31, 20261.05Mar 3, 2026
20255×
0.04Dec 31, 20250.04Sep 29, 20250.04Jun 30, 20250.04Mar 31, 20251.50Mar 3, 2025
20245×
0.04Dec 31, 20240.04Sep 27, 20240.04Jun 28, 20240.60May 13, 20240.04Mar 27, 2024
20234×
0.04Dec 28, 20230.04Sep 28, 20230.04Jun 29, 20230.04Mar 30, 2023
20224×
0.03Dec 29, 20220.03Sep 28, 20220.03Jun 29, 20220.28Mar 30, 2022
20212×
0.03Dec 30, 20210.03Sep 28, 2021

Stock Splits

  • Jun 2, 2025100:1