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E-L FinancialTSX:ELF +0.24%63 EV-to-EBIT is 4.88 as of Jul. 17, 2026, which is 3% below its 10-year median of 5.05. GuruFocus rates TSX:ELF with a GF Score™ of 63/100 and a GF Value™ of C$15.47 (Fairly Valued). The stock has 8 warning signs investors should review. Among 345 Insurance companies, E-L Financial ranks better than 78.55% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
E-L Financial's Enterprise Value for the quarter that ended in Mar. 2026 was C$7,340 Mil.
E-L Financial's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was C$1,579 Mil.
* 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 EV-to-EBIT Related Terms
E-L Financial EV-to-EBIT Historical Data
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The historical data trend for E-L Financial's EV-to-EBIT 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.
For the Insurance - Life subindustry, E-L Financial's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, E-L Financial's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where E-L Financial's EV-to-EBIT falls into.
E-L Financial's current Enterprise Value is C$7,707 Mil.
E-L Financial's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was C$1,579 Mil.
* 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 (TSX:ELF) has a EV-to-EBIT of 4.88 as of Jul. 17, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on E-L Financial and its competitors. This is near median its historical median of 5.05. According to the industry distribution chart, E-L Financial ranks #74 out of 345 companies in the Insurance industry, placing it in the top 21.4%.
Is E-L Financial's EV-to-EBIT too high?
E-L Financial's current EV-to-EBIT of 4.88 is near median its 10-year median of 5.05. The Insurance industry median EV-to-EBIT is 8.69. E-L Financial's value of 4.88 is 43.8% below this industry median. Based on the distribution chart, E-L Financial ranks #74 out of 345 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 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does E-L Financial's EV-to-EBIT compare to AFL and MET?
According to the Insurance industry distribution chart, E-L Financial ranks #74 out of 345 companies for EV-to-EBIT. This places E-L Financial in the top 21% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 8.69. E-L Financial's value of 4.88 is 43.8% below this benchmark. While the company's 10-year median is 5.05 vs. the industry median of 8.69, E-L Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.69, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. E-L Financial's current EV-to-EBIT of 4.88 is 43.8% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on E-L Financial and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. E-L Financial's current EV-to-EBIT is 4.88, which is near median its own 10-year median of 5.05. 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 (TSX:ELF) is currently considered Fairly Valued. The stock's GF Value™ is C$15.47, compared to a current price of C$16.89 — trading 9.2% above its estimated fair value. The current EV-to-EBIT is 4.88, which is near median its 10-year median of 5.05 and 43.8% below the Insurance industry median of 8.69. E-L Financial's overall GF Score™ is 63/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For E-L Financial (TSX:ELF), the current EV-to-EBIT is 4.88 as of Jul. 17, 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 (TSX:ELF) Overvalued in 2026?
Based on GuruFocus' analysis, E-L Financial stock appears to be overvalued.
The current stock price of C$16.89 is trading 9.2% above its estimated GF Value™ of C$15.47.
GuruFocus considers E-L Financial to be Fairly Valued.
Key valuation signals for TSX:ELF:
EV-to-EBIT: 4.88 (near median its 10-year median of 5.05)
GF Value™: C$15.47 vs. price of C$16.89 (9.2% above fair value)
Industry Position: 43.8% below the Insurance median (#74 of 345)
No single metric tells the full story. See the TSX:ELF 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.
63GF Score
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