YOLFTbeta
E-L Financial 3 Non Cum Frst Prf

E-L Financial 3 Non Cum Frst Prf

ELF-PH · TO · Financial Services / Insurance - Life

23.83CAD-0.02 (-0.08%)

Price History

Full chart

Market Stats

Previous Close23.85
Open23.90
Day Range23.82 – 23.90
52-Week Range22.67 – 24.48
Volume4.50K
Market Cap2.88B
P/E (TTM)0.21
Forward P/E0.00
EPS114.28
Dividend Yield5.86%
Beta0.84
50-Day Avg24.30
200-Day Avg24.24

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: CAD2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.99B1.67B2.34B1.07B2.91B2.56B2.32B-706.98M3.00B3.35B2.87B
Growth (%)--15.98%+39.77%-54.34%+172.44%-11.75%-9.41%-130.43%+524.03%+11.68%-14.28%
Cost of Revenue982.63M1.02B1.25B747.73M1.66B------
Gross Profit1.01B635.99M1.12B328.97M1.27B------
Gross Margin50.62%38.04%48.00%30.83%43.82%------
Operating Expense189.55M203.13M206.88M219.13M229.92M------
Operating Income817.59M432.86M914.66M109.83M1.04B------
Operating Margin41.09%25.89%39.14%10.29%35.91%------
Net Income528.49M329.70M663.44M28.05M747.86M503.74M1.17B-173.07M955.28M1.57B1.24B
Net Income Margin26.56%19.72%28.39%2.63%25.73%19.64%50.17%24.48%31.87%46.90%43.07%
Interest Expense00020.60M16.61M20.80M31.75M27.99M25.92M25.36M25.27M
Interest Expense % of Total Revenue0.00%0.00%0.00%1.93%0.57%0.81%1.37%-3.96%0.86%0.76%0.88%

Balance Sheet

Currency: CAD2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets18.97B20.58B22.64B21.35B23.75B24.95B26.79B23.49B25.76B28.12B29.96B
Total Liabilities13.47B14.67B16.07B14.81B16.37B17.29B18.20B15.75B17.50B18.38B19.31B
Total Equity4.43B5.01B5.60B5.56B6.31B6.52B7.32B6.71B7.16B8.47B9.12B
Cash306.55M419.91M338.99M332.56M303.08M427.76M636.10M302.95M440.86M373.41M564.40M
Net Debt--459.30M156.21M161.01M174.51M-399.97M292.51M225.46M35.17M

Cash Flow

Currency: CAD2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow202.91M334.15M346.80M387.59M416.53M329.07M348.10M397.83M736.01M459.55M357.44M
Investing Cash Flow23.97M-503.44M-655.07M-8.60M-345.45M40.12M202.91M-437.24M---
Financing Cash Flow-237.15M282.65M227.35M-385.42M-100.55M-244.52M-342.67M-293.75M-211.54M-450.18M-514.62M
Capital Expenditure00000000000
Free Cash Flow--346.80M387.59M416.53M329.07M348.10M397.83M736.01M459.55M357.44M
Dividends Paid17.56M31.13M35.65M35.65M35.65M35.04M43.36M52.08M64.42M275.18M588.47M
FCF to OCF--100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%
Dividend Paid to FCF--10.28%9.20%8.56%10.65%12.46%13.09%8.75%59.88%164.63%

Earnings

Report DateMar 4, 1999Apr 23, 1999May 8, 2009Aug 12, 2009Mar 8, 2010May 5, 2010Aug 5, 2010Nov 4, 2010
EPS Estimate3.633.76-0.93-22.63-8.013.9010.69-2.09
EPS Actual3.482.80-41.0019.161.036.53-7.2616.70
Surprise-4.13%-25.53%-4308.60%184.67%112.86%67.44%-167.91%899.04%
Timing--------

Key Statistics & Ratios

Market Cap2.88B
Enterprise Value10.32B
Trailing P/E0.21
Forward P/E0.00
Price / Sales0.85
Price / Book0.00
EPS114.28
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 Outstanding4.09M
Shares Float199.08M
Beta0.84
Dividend Yield5.86%
Dividend Rate1.38
Payout Ratio0.00%

Dividends

20263×
0.34Sep 29, 20260.34Jun 30, 20260.34Mar 31, 2026
20254×
0.34Dec 31, 20250.34Sep 29, 20250.34Jun 30, 20250.34Mar 31, 2025
20244×
0.34Dec 31, 20240.34Sep 27, 20240.34Jun 28, 20240.34Mar 27, 2024
20234×
0.34Dec 28, 20230.34Sep 28, 20230.34Jun 29, 20230.34Mar 30, 2023
20224×
0.34Dec 29, 20220.34Sep 28, 20220.34Jun 29, 20220.34Mar 30, 2022
20214×
0.34Dec 30, 20210.34Sep 28, 20210.34Jun 29, 20210.34Mar 30, 2021
20201×
0.34Dec 30, 2020