Canadian Life Companies Split Corp (LFE) fair value: what the stock is really worth
As of Sep 28, 2026: fair value of Canadian Life Companies Split Corp C$6.02, price C$9.06, upside -33.6%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range C$1.33 – C$9.58 · fair‑value band C$4.51 – C$7.52 · the C$9.06 price screens above the C$6.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 3 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 27, 2026.
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Canadian Life Companies Split Corp. is a closed-ended equity mutual fund launched and managed by Quadravest Capital Management Inc. It invests in the public equity markets of Canada. The fund seeks to invest in stocks of companies operating in the life insurance sector.
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Canadian Life Companies Split Corp. is a closed-ended equity mutual fund launched and managed by Quadravest Capital Management Inc. It invests in the public equity markets of Canada. The fund seeks to invest in stocks of companies operating in the life insurance sector. It primarily invests in stocks of four publicly traded life insurance companies namely Great-West Lifeco Inc., Industrial Alliance Insurance and Financial Services Inc., Manulife Financial Corporation, and Sun Life Financial Inc. The fund employs fundamental analysis with a focus on such factors as a firm's earning history, relative price-earnings multiple, cash flow, dividend yield, market position, and growth prospects to create its portfolio. It benchmarks the performance of its portfolio against the S&P TSX Financial Index. Canadian Life Companies Split Corp. was formed on April 18, 2005 and is domiciled in Canada.
Stock analysis
Canadian Life Companies Split Corp (LFE) currently trades at C$9.06, while our model-based Fair Value estimate is C$6.02, implying the stock looks roughly 50.5% overvalued today.
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Valuation
How firm this estimate is: it rests on 26 models at a data quality of 95/100, which puts the evidence level at high.
Scenario range: C$4.51 (bear) to C$7.52 (bull), the price of C$9.06 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Canadian Life Companies Split Corp reported revenue of C$10.4M in FY2025 versus C$8.5M in FY2021, a compound +5.2%/yr. Reported net income was C$21.6M in FY2025, compounding +3.7%/yr from FY2021.
Key figures
Market cap C$190M (≈ $134M) · P/E ratio 5.2 · P/S ratio 10.8 · EPS (TTM) C$1.74 · Dividend yield 13.2% · Net margin 68.9% · Return on equity 21.4% · Return on assets (EBIT) 13.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 65% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −34%, LFE screens richer than that median.
Fair Value models
Bear C$4.51Fair Value C$6.02Bull C$7.52
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (C$0.4483 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.32/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
−81.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.7%
Start year 2020 (pandemic). Over 10 years: −0.3% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ +13.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.3%
Dividend (yield on the price)13.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−2.3% vs 1.4%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−128% → 279%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 7.7%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
⚠ Rate on operating basis: 2025 sits 76% above its own trend.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
Compare Canadian Life Companies Split Corp with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 660 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score47 · Bottom 25%
Fair Value upside−33.6% · Bottom 25%
Profitability
Return on equity (TTM)21.4% · Top 25%
Return on assets7.6% · Top 25%
Net margin (TTM)68.9% · Top 25%
Operating margin (TTM)95.5% · Top 25%
Growth and dividend
Revenue growth−34.4% · Bottom 25%
Dividend yield (TTM)13.2% · Top 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
P/E (TTM)5.2× · Cheapest 25%
P/B1.14× · Pricier than median
P/S (TTM)4.28× · Pricier than median
P/FCF27.1× · Priciest 25%
EV/EBITDA3.5× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 58
FUTURE (revenue growth)0· sector 31
PAST (return on equity)85· sector 22
HEALTH (low debt)0· sector 95
DIVIDEND (yield)100· sector 83
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Canadian Life Companies Split Corp Fair Value". https://www.fairvalue-calculator.com/stock/LFE
Frequently asked questions
Is Canadian Life Companies Split Corp (LFE) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of C$6.02 versus a price of C$9.06, about −34% upside (overvalued).
What is the fair value of LFE?
Our model-based fair value for Canadian Life Companies Split Corp is C$6.02 (as of Sep 27, 2026), built from audited fundamentals. The current price: C$9.06.
What is the quality score of LFE?
Canadian Life Companies Split Corp has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Canadian Life Companies Split Corp (LFE)?
Our model-based price target is the fair value of C$6.02 (as of Sep 27, 2026) from 2 valuation models. Cautious scenario C$4.51, optimistic scenario C$7.52. It is a calculation from audited fundamentals, not an analyst target.
What is the Canadian Life Companies Split Corp stock forecast for 2026?
Our models put fair value at C$6.02, about −34% upside versus a price of C$9.06 (overvalued). Cautious scenario C$4.51, optimistic scenario C$7.52. The calculation is refreshed regularly with new filings.
Does Canadian Life Companies Split Corp pay a dividend?
Canadian Life Companies Split Corp currently shows a dividend yield of about 13.25% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Canadian Life Companies Split Corp (LFE)?
For today's price to be fair in a discounted-cash-flow model, Canadian Life Companies Split Corp would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 15.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -2.7 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of LFE use?
Our models discount Canadian Life Companies Split Corp at 15.0 %: a base by market capitalisation (micro), damped by beta 2.24, country premium for Canada. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Canadian Life Companies Split Corp that is less than minus 40 % per year a year over ten years, using the same discount rate (15.0 %) and the same formula as our fair value.
How much growth has Canadian Life Companies Split Corp (LFE) delivered so far?
Over the past 5 years revenue at Canadian Life Companies Split Corp grew -2.7 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Canadian Life Companies Split Corp (LFE) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Canadian Life Companies Split Corp (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Canadian Life Companies Split Corp (LFE)?
The free-cash-flow yield on the price is 4.40 %: that much free cash flow Canadian Life Companies Split Corp produces per unit of market value. When it exceeds the discount rate of our models (15.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Canadian Life Companies Split Corp (LFE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Canadian Life Companies Split Corp it is C$6.02 per share (as of Sep 27, 2026), against a price of C$9.06. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Canadian Life Companies Split Corp stock overvalued or undervalued in 2026?
As of Sep 27, 2026, LFE trades above its calculated fair value: price C$9.06, fair value C$6.02, a gap of about −34% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LFE?
No. The price is what the market pays today (C$9.06); the fair value is what the company's own numbers justify (C$6.02). For Canadian Life Companies Split Corp the two are C$3.04 per share apart. That gap is exactly why we show both numbers side by side.
How much is Canadian Life Companies Split Corp worth?
The market values Canadian Life Companies Split Corp at about C$190M (market capitalisation, as of Sep 27, 2026). Per share that is C$9.06; our models calculate a fair value of C$6.02 per share.
What do the bullish and bearish scenarios say about LFE?
Our models span a range for Canadian Life Companies Split Corp: cautious scenario C$4.51, base C$6.02, optimistic C$7.52 per share (as of Sep 27, 2026, price C$9.06). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LFE?
Canadian Life Companies Split Corp trades at a price-to-earnings ratio of 5.2 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$6.02 is built from several models across several years. Other multiples: P/B 1.1, P/S 4.3, EV/EBITDA 3.5.
How solid is the balance sheet of Canadian Life Companies Split Corp (LFE)?
Balance-sheet figures for Canadian Life Companies Split Corp (as of Sep 27, 2026): return on equity 21.4%. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is LFE from its 52-week high?
Canadian Life Companies Split Corp trades at C$9.06, about 5% below its 52-week high of C$9.58 and 65% above the low of C$5.48 (as of Sep 28, 2026). Distance from the high says nothing about value: that is what the fair value of C$6.02 is for.
Which stocks are comparable to Canadian Life Companies Split Corp?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Canadian Life Companies Split Corp stock attractive at the current price?
The data as of Sep 27, 2026: price C$9.06, calculated fair value C$6.02 (−34%), Quality Score 46/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LFE calculated?
We run Canadian Life Companies Split Corp through 2 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of C$6.02, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.9 % above its aggregate fair value. Canadian Life Companies Split Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Canadian Life Companies Split Corp (LFE)?
The closing price on Sep 28, 2026 was C$9.06. Our model-based fair value is C$6.02, about −34% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Canadian Life Companies Split Corp right now?
The price sits above even our optimistic bull case (C$7.52). The favourable scenario is already priced in. Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Canadian Life Companies Split Corp (LFE) come from?
Earnings per share at Canadian Life Companies Split Corp grew +4.7 % a year from 2014 to 2024. Broken into its drivers: revenue per share +6.6 %, EBIT margin +13.8 %, tax rate +0.0 %, residual (interest, one-offs) −13.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Canadian Life Companies Split Corp
How large is the market capitalisation of Canadian Life Companies Split Corp (LFE)?
The market capitalisation of Canadian Life Companies Split Corp is C$190M (≈ $134M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Canadian Life Companies Split Corp (LFE)?
The price-to-sales ratio of Canadian Life Companies Split Corp is 10.8 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Canadian Life Companies Split Corp (LFE)?
Earnings per share at Canadian Life Companies Split Corp are C$1.74 (price ÷ EPS = P/E 5.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Canadian Life Companies Split Corp (LFE)?
The dividend yield of Canadian Life Companies Split Corp is 13.2% (payout 69.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Canadian Life Companies Split Corp (LFE)?
The net margin of Canadian Life Companies Split Corp is 68.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Canadian Life Companies Split Corp (LFE)?
The return on equity (ROE) of Canadian Life Companies Split Corp is 21.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Canadian Life Companies Split Corp (LFE)?
On an EBIT basis the return on assets of Canadian Life Companies Split Corp is 13.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Canadian Life Companies Split Corp (LFE)?
The operating margin of Canadian Life Companies Split Corp is 95.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Canadian Life Companies Split Corp (LFE)?
Revenue at Canadian Life Companies Split Corp is growing −34.4% versus a year earlier (3y avg +1.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Canadian Life Companies Split Corp (LFE)?
Earnings per share at Canadian Life Companies Split Corp are growing −51.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Canadian Life Companies Split Corp (LFE) carry?
The net debt of Canadian Life Companies Split Corp is C$139M (fiscal year 2025, ≈ 28.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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