1.16%
7.15%
7.97%
15.43%
37.84%
55.17%
74.42%
AI Spotlight on ELF
Company Description
E-L Financial Corporation Limited operates as an investment and insurance holding company in Canada.It operates through two segments, E-L Corporate and Empire Life.The company owns investments in equities and fixed income securities directly and indirectly through pooled funds, closed-end investment companies, and other investment companies.
It also underwrites life and health insurance policies, wealth management products, group 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, mutual fund dealers, and employee benefit brokers and representatives.E-L Financial Corporation Limited was incorporated in 1968 and is headquartered in Toronto, Canada.
Market Data
| Last Price | 1419.77 |
| Change Percentage | 1.16% |
| Open | 1419.77 |
| Previous Close | 1403.53 |
| Market Cap ( Millions) | 4915 |
| Volume | 233 |
| Year High | 1552.06 |
| Year Low | 1008.9 |
| M A 50 | 1402.51 |
| M A 200 | 1270.36 |
Financial Ratios
| FCF Yield | 14.87% |
| Dividend Yield | 5.28% |
| ROE | 23.62% |
| Debt / Equity | 7.31% |
| Net Debt / EBIDTA | -534.93% |
| Price To Book | 0.59 |
| Price Earnings Ratio | 2.66 |
| Price To FCF | 6.73 |
| Price To sales | 0.9 |
| EV / EBITDA | -102.92 |
News
- Nov -15 - E-L Financial (TSE:ELF) Will Pay A Dividend Of CA$3.75
- Nov -08 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES SEPTEMBER 30, 2024 FINANCIAL RESULTS
- Aug -22 - E-L Financial's (TSE:ELF) Dividend Will Be CA$3.75
- Aug -08 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES JUNE 30, 2024 FINANCIAL RESULTS
- May -11 - E-L Financial First Quarter 2024 Earnings: EPS: CA$161 (vs CA$88.24 in 1Q 2023)
- May -08 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES MARCH 31, 2024 FINANCIAL RESULTS
- Apr -20 - Investors in E-L Financial (TSE:ELF) have seen notable returns of 64% over the past five years
- Mar -17 - Does APG|SGA (VTX:APGN) Deserve A Spot On Your Watchlist?
- Mar -10 - E-L Financial Full Year 2023 Earnings: EPS: CA$266 (vs CA$53.47 loss in FY 2022)
- Mar -07 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES RENEWAL OF NORMAL COURSE ISSUER BID
- Mar -07 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES DIVIDENDS
- Mar -07 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES DECEMBER 31, 2023 FINANCIAL RESULTS
- Jan -15 - While institutions own 33% of E-L Financial Corporation Limited (TSE:ELF), private companies are its largest shareholders with 42% ownership
- Dec -19 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES FINAL RESULTS OF ITS SUBSTANTIAL ISSUER BID
- Dec -16 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES PRELIMINARY RESULTS OF ITS SUBSTANTIAL ISSUER BID
- Dec -13 - Swiss Re (VTX:SREN) shareholders have earned a 14% CAGR over the last three years
- Nov -08 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES INTENTION TO COMMENCE SUBSTANTIAL ISSUER BID
- Nov -07 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES SEPTEMBER 30, 2023 FINANCIAL RESULTS
- Aug -09 - E-L FINANCIAL CORPORATION LIMITED ANNOUNCES JUNE 30, 2023 FINANCIAL RESULTS
- Jul -24 - Investing in Banque Cantonale Vaudoise (VTX:BCVN) five years ago would have delivered you a 64% gain
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> E-L Corporate
Expected Growth : 8.5 %
What the company do ?
E-L Corporate is a segment of E-L Financial Corporation Limited, providing a range of financial services and investment products to corporate clients.
Why we expect these perspectives ?
E-L Corporate's growth is driven by increasing demand for financial services and investment products among corporate clients, coupled with E-L Financial Corporation Limited's strong brand reputation and expanding product offerings.
Segment n°2 -> Empire Life
Expected Growth : 4.5 %
What the company do ?
Empire Life is a Canadian life insurance company owned by E-L Financial Corporation Limited, offering a range of insurance and investment products.
Why we expect these perspectives ?
Empire Life's growth is driven by increasing demand for insurance and investment products, a growing Canadian population, and the company's diversified product offerings, including individual and group life insurance, as well as wealth management solutions.
E-L Financial Corporation Limited Products
| Product Range | What is it ? |
|---|---|
| Life Insurance | E-L Financial Corporation Limited offers a range of life insurance products that provide financial protection to individuals and families in the event of death or terminal illness. |
| Investment Funds | The company offers a variety of investment funds that cater to different risk tolerance and investment goals, providing individuals with opportunities to grow their wealth. |
| Retirement Savings | E-L Financial Corporation Limited provides retirement savings solutions that help individuals plan and save for their retirement goals. |
| Group Benefits | The company offers group benefits solutions that provide employee benefits, such as health and dental insurance, to businesses and organizations. |
| Wealth Management | E-L Financial Corporation Limited provides wealth management services that offer personalized investment advice and portfolio management. |
E-L Financial Corporation Limited's Porter Forces
Threat Of Substitutes
The threat of substitutes for E-L Financial Corporation Limited is moderate due to the presence of alternative financial services and products offered by competitors.
Bargaining Power Of Customers
The bargaining power of customers is low due to the lack of concentration of buyers in the financial services industry, giving E-L Financial Corporation Limited an upper hand in negotiations.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate due to the presence of multiple suppliers of financial services and products, giving E-L Financial Corporation Limited some negotiating power.
Threat Of New Entrants
The threat of new entrants is high due to the relatively low barriers to entry in the financial services industry, making it easier for new competitors to enter the market.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of many established players in the financial services industry, leading to intense competition for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 9.35% |
| Debt Cost | 4.11% |
| Equity Weight | 90.65% |
| Equity Cost | 8.12% |
| WACC | 7.74% |
| Leverage | 10.31% |
E-L Financial Corporation Limited : Quality Control
E-L Financial Corporation Limited passed 7 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CNO | CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, and other insurance products for senior and middle-income markets in the United States. … |
| JXN | Jackson Financial Inc., through its subsidiaries, primarily provides a suite of annuities to retail investors in the United States. The company operates through three segments: Retail Annuities, Institutional Products, and … |
| POW.TO | Power Corporation of Canada operates as an international management and holding company in North America, Europe, and Asia. It operates through Lifeco, IGM Financial, and GBL segments. The company offers … |
| UNM | Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, … |
| FG | F&G Annuities & Life, Inc. provides fixed annuities and life insurance products. It serves retail annuity and life customers, as well as institutional clients. The company was founded in 1959 … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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E-L Financial
A-Score
1-Year Total Return ->
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Unum
A-Score
1-Year Total Return ->
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Power Corp
A-Score
1-Year Total Return ->
4
Jackson Financial
A-Score
1-Year Total Return ->
5
CNO Financial Group
A-Score
1-Year Total Return ->
6
