ELFIF (E-L Financial) Net Loan: $108 Mil (As of Mar. 2026)


ELFIF E-L Financial Corp Ltd ELFIF
60 GF Score
Price $12.02
GF Value $10.76
Valuation Modestly Overvalued
! 8 Warning Signs
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What is E-L Financial Net Loan?

E-L Financial ELFIF +0.54% 60 Net Loan is $108 Mil as of Mar. 2026. GuruFocus rates ELFIF with a GF Score™ of 60/100 and a GF Value™ of $10.76 (Modestly Overvalued). The stock has 8 warning signs investors should review.

E-L Financial's quarterly net loan declined from Sep. 2025 ($113 Mil) to Dec. 2025 ($112 Mil) and declined from Dec. 2025 ($112 Mil) to Mar. 2026 ($108 Mil).

E-L Financial's annual net loan declined from Dec. 2023 ($109 Mil) to Dec. 2024 ($112 Mil) but then increased from Dec. 2024 ($112 Mil) to Dec. 2025 ($108 Mil).

E-L Financial Net Loan Historical Data

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The historical data trend for E-L Financial's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

E-L Financial Net Loan Chart

E-L Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 120.68 108.71 99.52 111.68

E-L Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 96.39 98.94 113.45 111.68 107.72
ELFIF
60GF Score
E-L Financial Corp Ltd ELFIF
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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E-L Financial Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $108 Mil mean?
E-L Financial (ELFIF) has a Net Loan of $108 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on E-L Financial and its competitors.
Is E-L Financial's Net Loan too high?
E-L Financial's current Net Loan is $108 Mil. Overall, E-L Financial has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does E-L Financial's Net Loan compare to AFL and MET?
E-L Financial's Net Loan of $108 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on E-L Financial and its competitors. E-L Financial's current Net Loan is $108 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is E-L Financial stock overvalued right now?
Based on GuruFocus' analysis, E-L Financial (ELFIF) is currently considered Modestly Overvalued. The stock's GF Value™ is $10.76, compared to a current price of $12.02 — trading 11.7% above its estimated fair value. The current Net Loan is $108 Mil. E-L Financial's overall GF Score™ is 60/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For E-L Financial (ELFIF), the current Net Loan is $108 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is E-L Financial (ELFIF) Overvalued in 2026?

Based on GuruFocus' analysis, E-L Financial stock appears to be overvalued. The current stock price of $12.02 is trading 11.7% above its estimated GF Value™ of $10.76. GuruFocus considers E-L Financial to be Modestly Overvalued.

Key valuation signals for ELFIF:

  • Net Loan: $108 Mil
  • GF Value™: $10.76 vs. price of $12.02 (11.7% above fair value)
  • GF Score™: 60/100 with 8 warning signs

No single metric tells the full story. See the ELFIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

E-L Financial Business Description

Address 165 University Avenue, 10th Floor, Toronto, ON, CAN, M5H 3B8
E-L Financial Corp Ltd operates as an investment and insurance holding company that provides a broad range of wealth management products, individual insurance products, group plans, and financial services to meet the needs of individuals, professionals, and businesses. The firm has two segments; The Empire Life operating segment underwrites life and health insurance policies and provides segregated funds, mutual funds, and annuity products, and the E-L Corporate segment operations include the oversight of investments in equities held through holdings of common shares, investment funds, closed-end investment companies, and other private companies.
60GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.02
Price
$10.76
GF Value