E-L Financial Corporation Limited ELFIF | OTC
$13.20
$0.13 | 0.99%
TREND SIGNAL:
|2026-10-13
|2026-10-13
Company Overview:
Market Cap:
$4.46B
Trailing PE:
2.5x
FWD PE:
—
Payout Ratio (TTM):
21.2%
52-Week Range:
$11.02 - $13.92
10 Year ELFIF Performance Metrics:
Total Return (with DRIP):
-97.2% (-30.12% CAGR)
Total Return (no DRIP):
-96.8% (-29.02% CAGR)
Share Price:
-97.4% (-30.67% CAGR)
Yield on Cost (with DRIP):
0.02%
Total Invested:
$10,000
Total Value (with DRIP):
$278
Total Return $ (with DRIP):
-$9,722
Dividend Increase:
10,041% (62.62% CAGR)
Dividend Yield (FWD):
0.85% ($0.11)
ELFIF 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
ELFIF Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
ELFIF Price CAGR:1Y: 12.82%2Y: -88.41%5Y: -55.10%10Y: -30.67%
ELFIF Dividend Charts
ELFIF Dividend CAGR:1Y: -3.19%2Y: -83.49%5Y: -50.61%10Y: -13.83%
ELFIF Dividend Payout Ratio CAGR:1Y: -61.73%2Y: -86.51%5Y: -12.94%10Y: -14.90%
ELFIF Dividend to FCF Ratio CAGR:1Y: -78.38%2Y: -71.85%5Y: -3.02%10Y: 2.84%
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ELFIF Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
ELFIF Revenue CAGR:1Y: 179.82%2Y: 309.11%5Y: 15.84%10Y: 11.06%
ELFIF EPS CAGR:1Y: 178.59%2Y: -78.45%5Y: -45.23%10Y: -18.80%
ELFIF Net Income CAGR:1Y: 210.67%2Y: 121.49%5Y: 36.66%10Y: 27.23%
ELFIF EBITDA CAGR:1Y: 173.14%2Y: 0.00%5Y: 0.00%10Y: 0.00%
ELFIF Free Cash Flow CAGR:1Y: 386.29%2Y: -0.19%5Y: 19.39%10Y: 4.17%
ELFIF Free Cash Flow / Share CAGR:1Y: 390.88%2Y: -89.64%5Y: -51.67%10Y: -33.02%
ELFIF Operating Income CAGR:1Y: 177.45%2Y: 40.81%5Y: 35.59%10Y: 27.42%
ELFIF Gross Profit CAGR:1Y: 167.34%2Y: 255.12%5Y: 8.26%10Y: 7.36%
ELFIF Shares Outstanding CAGR:1Y: -0.16%2Y: 899.20%5Y: 143.29%10Y: 54.73%
ELFIF Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: -44.24%10Y: 0.00%
ELFIF Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
ELFIF Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
ELFIF Actual Revenue CAGR:1Y: 179.82%2Y: 309.11%5Y: 15.84%10Y: 11.06%
ELFIF Actual EPS CAGR:1Y: 178.59%2Y: -78.45%5Y: -45.23%10Y: -18.80%
ELFIF Actual Net Income CAGR:1Y: 210.67%2Y: 121.49%5Y: 36.66%10Y: 27.23%
ELFIF Actual EBITDA CAGR:1Y: 173.14%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Ratios, Profit Margins & Return on Capital:
ELFIF Net Profit Margin CAGR:1Y: -1.83%2Y: 27.66%5Y: 14.81%10Y: 13.34%
ELFIF Gross Profit Margin CAGR:1Y: -4.60%2Y: 117.51%5Y: -6.57%10Y: -3.34%
ELFIF Price to Earnings CAGR:1Y: -63.14%2Y: -41.01%5Y: -16.74%10Y: -14.68%
ELFIF Price To Sales Ratio CAGR:1Y: -62.84%2Y: -24.81%5Y: -4.48%10Y: -3.33%
ELFIF Return on Capital Employed CAGR:1Y: 143.77%2Y: 29.09%5Y: 29.27%10Y: 19.83%
ELFIF Return on Invested Capital CAGR:1Y: 151.67%2Y: 29.40%5Y: -42.01%10Y: -16.04%
ELFIF Dividends Info:
Annual Dividend:
$0.1128
Forward Yield:
0.85%
Ex-Dividend Date:
2026-09-29
Lifetime Dividends / Share:
$79.33
ELFIF Dividend History: Dates, Payments & Yield list
Below is a schedule of all ELFIF dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 09/29/2026 | 10/16/2026 | $0.028 | 0.9% | 0.92% | $12.29 |
| 06/30/2026 | 07/17/2026 | $0.028 | 0.94% | 0.94% | $12.06 |
| 03/31/2026 | 04/17/2026 | $0.029 | 1.01% | 0.92% | $12.47 |
| 03/03/2026 | 03/13/2026 | $0.767 | 25.92% | 26.48% | $11.59 |
| 12/31/2025 | 01/16/2026 | $0.029 | 0.97% | 0.9% | $13.00 |
| 09/29/2025 | 10/17/2025 | $0.029 | 0.97% | 1% | $11.45 |
| 06/30/2025 | 07/17/2025 | $0.029 | 1% | 1.05% | $11.16 |
| 03/31/2025 | 04/17/2025 | $0.026 | 0.01% | 0.01% | $870.00 |
| 03/03/2025 | 03/14/2025 | $1.035 | 0.41% | 0.45% | $920.00 |
| 12/31/2024 | 01/17/2025 | $0.026 | 0.01% | 0.01% | $964.28 |
| 09/27/2024 | 10/17/2024 | $0.028 | 0.01% | 0.01% | $983.51 |
| 06/28/2024 | 07/17/2024 | $0.027 | 0.01% | 0.01% | $859.25 |
| 05/13/2024 | 06/14/2024 | $0.439 | 0.22% | 0.22% | $804.33 |
| 03/27/2024 | 04/17/2024 | $0.028 | 0.01% | 0.01% | $781.39 |
| 12/28/2023 | 01/17/2024 | $0.028 | 0.01% | 0.01% | $777.00 |
| 09/28/2023 | 10/17/2023 | $0.028 | 0.02% | 0.02% | $641.96 |
| 06/29/2023 | 07/03/2023 | $0.000 | 0% | 0% | $690.55 |
| 03/30/2023 | 04/03/2023 | $0.000 | 0% | 0% | $667.75 |
| 12/29/2016 | 01/05/2017 | $0.922 | 0.68% | 0.68% | $541.99 |
| 09/29/2016 | 10/06/2016 | $0.956 | 0.74% | 0.74% | $514.86 |
| 06/29/2016 | 07/06/2016 | $0.960 | 0.73% | 0.73% | $527.40 |
| 03/30/2016 | 04/06/2016 | $0.956 | 0.71% | 0.71% | $535.00 |
| 12/30/2015 | 01/06/2016 | $0.090 | 0.07% | 0.07% | $515.00 |
| 09/29/2015 | 10/06/2015 | $0.093 | 0.08% | 0.08% | $495.78 |
| 06/29/2015 | 07/06/2015 | $0.101 | 0.08% | 0.08% | $534.15 |
| 03/30/2015 | 04/06/2015 | $0.099 | 0.08% | 0.08% | $515.00 |
| 12/30/2014 | 01/06/2015 | $0.107 | 0.07% | 0.07% | $592.55 |
| 09/29/2014 | 10/06/2014 | $0.112 | 0.07% | 0.07% | $619.56 |
| 06/27/2014 | 07/04/2014 | $0.117 | 0.07% | 0.07% | $652.57 |
| 03/28/2014 | 04/04/2014 | $0.113 | 0.07% | 0.07% | $639.43 |
| 12/30/2013 | 01/06/2014 | $0.117 | 0.07% | 0.07% | $656.00 |
| 12/03/2013 | 12/10/2013 | $70.482 | 42.33% | 42.33% | $666.08 |
| 09/27/2013 | 10/04/2013 | $0.125 | 0.08% | 0.08% | $631.05 |
| 06/28/2013 | 07/05/2013 | $0.125 | 0.09% | 0.09% | $587.17 |
| 03/27/2013 | 04/03/2013 | $0.125 | 0.1% | 0.1% | $502.47 |
| 12/28/2012 | 01/04/2013 | $0.125 | 0.12% | 0.12% | $426.74 |
| 09/27/2012 | 10/04/2012 | $0.125 | 0.12% | 0.12% | $425.40 |
| 06/28/2012 | 07/05/2012 | $0.125 | 0.13% | 0.13% | $396.12 |
| 03/29/2012 | 04/05/2012 | $0.125 | 0.13% | 0.13% | $381.14 |
| 12/29/2011 | 01/05/2012 | $0.125 | 0.16% | 0.16% | $319.17 |
| 09/29/2011 | 10/06/2011 | $0.125 | 0.13% | 0.13% | $392.85 |
| 06/29/2011 | 07/06/2011 | $0.125 | 0.11% | 0.11% | $453.23 |
| 03/30/2011 | 04/06/2011 | $0.125 | 0.1% | 0.1% | $492.18 |
| 12/30/2010 | 01/06/2011 | $0.125 | 0.1% | 0.1% | $486.01 |
Projected Future Returns & Dividends for ELFIF
Based on past 10-year performance, here are ELFIF growth metrics:
Share price CAGR of -30.67%
Dividend CAGR of -29.7%
Using ELFIF CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| ELFIF (DRIP) | ELFIF - No DRIP | |
|---|---|---|
| Current Price | $13.20 | $13.20 |
| Start Shares | 757.58 | 757.58 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 825.09 | 757.58 |
| Dividends Payment | $0.00 | $0.00 |
| Annual Dividends | $2 | $2 |
| Yield on cost | 0.02% | 0.02% |
| Share Price | $0.34 | $0.34 |
| Total Dividends | $277 | $271 |
| Final Value | $279 | $528 |
Estimated Future Value + Dividends - ELFIF
NOTE: Above numbers are our estimate based on ELFIF's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
E-L Financial Corporation Limited (ELFIF) had its IPO on 2010-10-15, and is traded on OTC stock exchange.
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.
ELFIF website: https://www.e-lfinancial.ca
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DCF Model — ELFIF
Value from:
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $13.20
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
