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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
During the past 12 months, E-L Financial's average Dividends Per Share Growth Rate was 3.90% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 16.50% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 24.80% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 27.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of E-L Financial was 115.40% per year. The lowest was -5.90% per year. And the median was 0.00% per year.
During the past 13 years, the highest Dividend Payout Ratio of E-L Financial was 1.25. The lowest was 0.02. And the median was 0.04.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
E-L Financial Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
CAD 0.040000
2026-03-31
2026-03-31
2026-04-17
Cash Dividend
quarterly
CAD:USD 0.716692
CAD 0.040000
2025-12-31
2025-12-31
2026-01-16
Cash Dividend
quarterly
CAD:USD 0.729288
CAD 0.040000
2025-09-29
2025-09-29
2025-10-17
Cash Dividend
quarterly
CAD:USD 0.718030
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
E-L Financial's Dividend Yield (%) for Today is calculated as
Current Share Price is $12.8318.
E-L Financial's Dividends per Share for the trailing twelve months (TTM) ended in Today is $0.0865604.
During the past 13 years, the highest Dividend Yield of E-L Financial was 1.64%. The lowest was 0.41%. And the median was 0.81%.
Warning Sign:
E-L Financial Corp Ltd stock Dividend Yield % is close to 3-year low.
* 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 5-Year Dividend Growth Rate Related Terms
ELFIF vs AFL, MET, PRU: 5-Year Dividend Growth Rate Comparison
For the Insurance - Life subindustry, E-L Financial's 5-Year Dividend Growth Rate, along with its competitors' market caps and 5-Year Dividend Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
E-L Financial 5-Year Dividend Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, E-L Financial's 5-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where E-L Financial's 5-Year Dividend Growth Rate falls into.
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with least square regression.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 5-Year Dividend Growth Rate of 24.80% mean?
E-L Financial (ELFIF) has a 5-Year Dividend Growth Rate of 24.80% as of Jun. 2026. 5-Year Dividend Growth Rate is the company's five-year average growth of dividend payout. View historical data on E-L Financial and its competitors. According to the industry distribution chart, E-L Financial ranks #26 out of 213 companies in the Insurance industry, placing it in the top 12.2%.
Is E-L Financial's 5-Year Dividend Growth Rate too high?
E-L Financial's current 5-Year Dividend Growth Rate is 24.80%. The Insurance industry median 5-Year Dividend Growth Rate is 8.70. E-L Financial's value of 24.80% is 185.1% above this industry median. Based on the distribution chart, E-L Financial ranks #26 out of 213 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, E-L Financial has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does E-L Financial's 5-Year Dividend Growth Rate compare to AFL and MET?
According to the Insurance industry distribution chart, E-L Financial ranks #26 out of 213 companies for 5-Year Dividend Growth Rate. This places E-L Financial in the top 12% of its industry — outperforming the majority of peers. The industry median 5-Year Dividend Growth Rate is 8.70. E-L Financial's value of 24.80% is 185.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Dividend Growth Rate for an Insurance company?
The median 5-Year Dividend Growth Rate among Insurance companies is 8.70, based on 213 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Dividend Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. E-L Financial's current 5-Year Dividend Growth Rate of 24.80% is 185.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Dividend Growth Rate mean?
A high 5-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 5-Year Dividend Growth Rate is the company's five-year average growth of dividend payout. View historical data on E-L Financial and its competitors. For the Insurance industry, the median 5-Year Dividend Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. E-L Financial's current 5-Year Dividend Growth Rate is 24.80%. 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 Fairly Valued. The stock's GF Value™ is $12.13, compared to a current price of $12.83 — trading 5.8% above its estimated fair value. The current 5-Year Dividend Growth Rate is 24.80% and 185.1% above the Insurance industry median of 8.70. E-L Financial's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Dividend Growth Rate calculated?
5-Year Dividend Growth Rate is calculated from a company's financial statements. For E-L Financial (ELFIF), the current 5-Year Dividend Growth Rate is 24.80% as of Jun. 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 $12.83 is trading 5.8% above its estimated GF Value™ of $12.13.
GuruFocus considers E-L Financial to be Fairly Valued.
Key valuation signals for ELFIF:
5-Year Dividend Growth Rate: 24.80%
GF Value™: $12.13 vs. price of $12.83 (5.8% above fair value)
Industry Position: 185.1% above the Insurance median (#26 of 213)
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 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.
62GF Score
Get the complete analysis for ELFIF
5-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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