Financials / Insurance - LifeUpdated 2026-05-10 22:07 UTC

TSX/ELF stock hub

TSX/ELF has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

6.1B

Toronto Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

TSX/ELF

In the news

Latest news · TSX/ELF

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 10.2P50 13.2P75 16.3

Trailing P/E5.1

P25 7.1P50 14.3P75 20.2

ROE13.6

P25 -36.6P50 -7.1P75 10.5

ROIC14.2

P25 -21.8P50 -4.6P75 9.1

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All TSX/ELF market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

209

Groups with data

Currency

CAD

Showing 209 of 209 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Canada
Country code	CA
Employees	1,250
Enterprise value	CAD 8B
Exchange	Toronto Stock Exchange
Financial currency	CAD
First seen	2026-05-10
Industry	Insurance - Life
Isin	CA2685751075
Last refreshed	2026-05-10
Market cap	CAD 6.1B
Price	CAD 17.69
Price currency	CAD
Rev Per Employee	2,710,209.6x
Sector	Financials
Sic	6331
Symbol	tsx/ELF
Website	https://www.e-lfinancial.ca

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	19.89%
EV Earnings	6.55x
EV/EBIT	4.29x
EV/EBITDA	4.27x
EV/Sales	2.36x
P/B ratio	0.57x
P/E ratio	5.14x
P/S ratio	1.81x
PE Ratio10 Y	11.7x
PE Ratio3 Y	4.79x
PE Ratio5 Y	4.39x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	54.88%
EBITDA Margin	55.2%
Gross margin	60.56%
Gross Profit	CAD 2.1B
Net Income	CAD 1.2B
Net Income Growth	-21.27%
Net Income Growth Q	-27.5%
Net Income Growth Years	0%
Net Income Growth5 Y	20.26%
Pretax Margin	48.54%
Profit Margin	36.48%
Profit Per Employee	CAD 974,227
Profitable Years	3
ROA	4
Roa5y	3.14
ROCE	6.3
ROE	13.6
Roe5y	11.37
ROIC	14.2
Roic5y	11.9

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	14.81%
Cagr15y	13.19%
Cagr1y	37.24%
Cagr20y	8.39%
Cagr3y	36.22%
Cagr5y	21.7%
Div CAGR10	53.88%
Div CAGR3	120.74%
Div CAGR5	89.13%
EPS Growth	-19.06
EPS Growth Q	-23.5
EPS Growth Years	1
EPS Growth5 Y	23.51
OCF Growth	-22.22%
OCF Growth Q	-1.4%
OCF Growth10 Y	5.83%
OCF Growth3 Y	3.65%
OCF Growth5 Y	1.67%
Revenue Growth	-7.49x
Revenue Growth Q	-2.63x
Revenue Growth Years	0x
Revenue Growth3 Y	67.03x
Revenue Growth5 Y	5.96x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	CAD 0.12
Assets	CAD 30B
Cash	CAD 564.8M
Debt	CAD 599.6M
Debt EBITDA	CAD 0.32
Debt Equity	CAD 0.06
Equity	CAD 10.6B
Interest Coverage	8.65
Liabilities	CAD 19.3B
Net Cash	CAD -35.2M
Net Cash By Market Cap	CAD -0.57
Net Debt EBITDA	CAD 0.02
Net Debt Equity	CAD 0
Tangible Book Value	CAD 8.7B
Tangible Book Value Per Share	CAD 25.16
WACC	10.72

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	2.24
Net Working Capital	CAD 58,000
Quick ratio	1.36
Working Capital	CAD 564.5M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	2.78%
Dividend Growth	-26.67%
Dividend Growth Years	2%
Dividend per share	CAD 0.16
Dividend Years	52
Dividend Yield	0.9%
Ex Div Date	2026-03-31
Last Dividend	CAD 0.04
Payout Frequency	Quarterly
Payout Ratio	5.6%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	297.99%
1Y total return	37.21%
200-day SMA	16.42
3Y total return	152.8%
50-day SMA	16.5
50-day SMA vs 200-day SMA	50over200
5Y total return	166.97%
All Time High	18.97
All Time High Change	-6.75%
All Time High Date	2026-01-23
All Time Low	0.05
All Time Low Change	37,142.11%
All Time Low Date	1976-01-06
ATR	0.27
Beta	0.83
Beta1y	0.81
Beta2y	1.08
Ch YTD	8.73
High	17.75
High52	18.97
High52 Date	2026-01-23
High52ch	-6.75%
Low	17.55
Low52	14.07
Low52 Date	2025-05-08
Low52ch	25.73%
Ma50ch	7.19%
Price vs 200-day SMA	7.75%
RSI	70.49
RSI Monthly	62.89
RSI Weekly	61.53
Sharpe ratio	1.26x
Sortino ratio	2.36
Total Return	3.68%
Tr YTD	15.94
Tr15y	541.54%
Tr1m	8.06%
Tr1w	3.57%
Tr3m	9.8%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	CAD 1.9B
Operating margin	54.88

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	199,596,610%
Shares Insiders	0.17%
Shares Institutions	30.19%
Shares Out	346,100,658
Shares Qo Q	-1.97%
Shares Yo Y	-2.78%
Short Float	0.03%
Short Shares	0.02

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	51,358.1x
Bv Per Share	25.5
Ch10y	150.2
Ch15y	261.8
Ch1m	8.06
Ch1w	3.57
Ch1y	27.73
Ch20y	180.8
Ch3m	2.97
Ch3y	96.19
Ch5y	80.7
Ch6m	4.68
Change	0.97%
Change From Open	0.74
Close	17.52
Days Gap	0.23
Dollar Volume	352,048.7
Earnings Date	2026-05-14
EBIT	CAD 1.9B
EBITDA	CAD 1.9B
EPS	CAD 3.44
F Score	4
Financing CF	-514,623,000
Fiscal Year End	December
Founded	1,968
Goodwill	38,891,000
Graham Number	44.42455
Graham Upside	151.1
Income Tax	CAD 258.4M
Investing CF	348,165,000
Is Primary Listing	1
Last Earnings Date	2025-11-07
Last Report Date	2025-12-31
Last Split Date	2025-06-02
Last Split Type	Forward
Lynch Fair Value	CAD 69.69
Lynch Upside	294
Ma150	16.74
Ma150ch	5.67%
Ma20	17.06
Ma20ch	3.71%
Net CF	190,987,000
Next Earnings Date	2026-05-14
Open	17.56
P OCF Ratio	17.13
Payment Date	2026-04-17
Position In Range	70
Ppne	859,000
Price Date	2026-05-08
Price EBITDA	CAD 3.27
Ptbv Ratio	0.7
Relative Volume	0.39x
Revenue	3,387,762,000x
Tax By Revenue	7.63x
Tax Rate	15.71%
Tr20y	400.43%
Tr6m	11.89%
Volume	19,901

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

TSX/ELF dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+0.9%

$0.16 annual per share

Payout ratio

+5.6%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+89.1%

2 consecutive years of growth

Total shareholder yield

+3.7%

Next ex-dividend date: 2026-03-31

Performance

TSX/ELF stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns TSX/ELF?

Insider, institutional, and short-interest positioning.

Institutional ownership

+30.2%

Share of float held by funds and institutions

Insider ownership

+0.2%

Stake held by company insiders. Higher generally signals alignment.

Short interest

+0.0%

Float sold short by bearish positioning

Y/Y dilution

-2.8%

Negative means the company is buying back shares.

Technical

TSX/ELF momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

70.5

Above 70: short-term overbought

Price vs 200-day MA

+7.7%

50/200-day relationship not available

Beta (5Y)

0.83

Moves roughly with the market

Sharpe ratio

1.26

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About TSX/ELF

Hub-level FAQ points readers to the deeper analysis pages.

What is the current tsx/ELF stock rating?

tsx/ELF is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full tsx/ELF analysis?

The full report lives at /stocks/tsx/ELF/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for tsx/ELF?

The latest report frames tsx/ELF around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the tsx/ELF page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.