ELF.TO
Strong BuyFull HouseAI neutralE-L Financial Corporation Limited · Financial Services · Canada · $4.4B
CAD 17.65 +0.1% · close 6 Oct · scored 7 Oct
Full House: Strong business, sensible price, market agrees. The rare full house.
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E-L Financial operates a stable investment and insurance holding structure supported by an attractive balance sheet and low valuation multiples. Recent downward revisions to consensus forward earnings expectations signal potential drag on underwriting results or investment portfolio yields. Without fresh positive corporate signals, the outlook remains balanced.
ABOUT E-L FINANCIAL CORPORATION LIMITED
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E-L Financial Corporation Limited is a holding company with significant interests in insurance and investments, notably owning Empire Life Insurance Company, a leading Canadian life insurer. Empire Life benefits from a well-established brand and strong market position in Canadian individual life and group benefits. E-L Financial's conservative investment strategy and long-term focus provide stability and value growth for this privately controlled entity.
FINANCIAL SUMMARY (CAD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | -1.2B | 3.0B | 3.3B | 2.9B | -2.2% | 4.2B |
| EPS (CAD) | — | -0.96 | 3.35 | 4.60 | 3.57 | 3.2% | 5.11 |
| Shares | — | 355.7M | 346.2M | 346.2M | 346.1M | -2.7% | 345.6M |
| Debt | — | 702.9M | 733.4M | 598.9M | 599.6M | -5.2% | 847.6M |
| Equity | 8.2B | 6.4B | 7.2B | 8.5B | 9.1B | 2.7% | — |
| Op CF | — | 321.0M | 736.0M | 459.5M | 357.4M | 3.7% | 492.6M |
| Inv CF | — | -362.9M | -386.6M | -76.8M | 348.2M | — | — |
| Fin CF | — | -291.2M | -211.5M | -450.2M | -514.6M | — | — |
Calmer than 94% of stocks we rank over the past year (17% a year).
How this is worked out
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ELF.TO are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ELF.TO | E-L Financial Corporation Limited(you) | $4.4B | 97 | Strong Buy |
| POW.TO | Power Corporation of Canada | $41.4B | 51 | Hold |
| GWO.TO | Great-West Lifeco Inc. | $58.9B | 56 | Hold |
| MFC.TO | Manulife Financial Corporation | $72.4B | 58 | Hold |
| LBS.TO | Life & Banc Split Corp. | $1.2B | 98 | Strong Buy |
| DFN.TO | Dividend 15 Split Corp. | $993M | 98 | Strong Buy |
| CORD.L | Cordiant Digital Infrastructure Limited | $1.3B | 90 | Strong Buy |
| CVG.TO | Clairvest Group Inc. | $759M | 98 | Strong Buy |
| SEC.TO | Senvest Capital Inc. | $754M | 100 | Strong Buy |
| FTN.TO | Financial 15 Split Corp. | $630M | 97 | Strong Buy |
Peer medians: ROE 13.2% · P/E 11.2x · Gross margin 89.5%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.