E-L Financial Corporation (ELF) Fair Value & Analysis
Financial Services · CA · Market cap C$5.8B
Fair value as of: Jul 16, 2026
From 25 valuation models · updated 5 days ago
Share price −0.6% over the past month.
Price vs Fair Value (12 months)
12‑month range C$13.38 – C$17.65 · fair‑value band C$25.27 – C$42.12 · the C$16.94 price screens below the C$33.70 fair value. As of Jul 16, 2026.
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E-L Financial Corporation (ELF) currently trades at C$16.94, while our model-based Fair Value estimate is C$33.70, implying the stock looks roughly 98.9% undervalued today. We read business quality at 62/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Over the trailing twelve months, E-L Financial Corporation generated revenue of C$3.3B at a net margin of 35.3%. Revenue declined 16.9% year over year. It earns a return on equity of 13.6%. Net debt stands at C$35.2M. Fundamentals as of Jul 16, 2026
Our scenario range runs from C$25.27 (bear case) to C$42.12 (bull case); at C$16.94, the current price sits below that range. The share trades about 5% below its 52-week high and 27% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 17% fair-value upside, at 99%, ELF screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 16, 2026. TTM = trailing twelve months.
About the company
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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
E-L Financial Corporation reported revenue of C$1.8B in FY2025 versus C$2.3B in FY2021, a compound −6.6%/yr. Reported net income was C$1.2B in FY2025, compounding +1.4%/yr from FY2021.
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Recent news
- Checking E-L Financial’s Valuation After Mixed Recent Share Performance
- E-L FINANCIAL CORPORATION LIMITED ANNOUNCES OUTCOME OF DIRECTOR ELECTIONS
- E-L FINANCIAL CORPORATION LIMITED ANNOUNCES DIVIDENDS
- E-L FINANCIAL CORPORATION LIMITED ANNOUNCES MARCH 31, 2026 FINANCIAL RESULTS
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥32.82 | ¥65.64 | +100% |
| Ping An Insurance (Group) Company 601318 | ¥53.48 | ¥106.96 | +100% |
| AIA Group 1299 | HK$74.25 | HK$10.08 | -86% |
| Manulife Financial Corporation MFC | C$54.00 | C$58.76 | +9% |
| Aflac Incorporated A1FL34 | R$592.20 | R$82.64 | -86% |
| MetLife, Inc METB34 | R$439.50 | R$455.81 | +4% |
| Great-West Lifeco Inc GWO | C$89.23 | C$104.26 | +17% |
| Life Insurance Corporation LICI | ₹399.90 | ₹549.69 | +37% |
| Fubon Financial Holding 2881 | 118.00 TWD | 100.66 TWD | -15% |
| Cathay Financial Holding 2882 | 100.50 TWD | 189.68 TWD | +89% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.