Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
E-L FinancialELFIF +0.46%60 EV-to-EBITDA is 4.77 as of Jul. 18, 2026, which is 6% below its 10-year median of 5.06. GuruFocus rates ELFIF with a GF Score™ of 60/100 and a GF Value™ of $10.97 (Fairly Valued). The stock has 8 warning signs investors should review. Among 346 Insurance companies, E-L Financial ranks better than 74.86% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, E-L Financial's enterprise value is $5,467 Mil.
E-L Financial's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $1,146 Mil. Therefore, E-L Financial's EV-to-EBITDA for today is 4.77.
The historical rank and industry rank for E-L Financial's EV-to-EBITDA or its related term are showing as below:
ELFIF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -14.34 Med: 5.06 Max: 45.39
Current: 4.91
During the past 13 years, the highest EV-to-EBITDA of E-L Financial was 45.39. The lowest was -14.34. And the median was 5.06.
ELFIF's EV-to-EBITDA is ranked better than 74.86% of 346
companies
in the Insurance industry
Industry Median: 8.23
vs ELFIF: 4.91
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
E-L Financial's PE Ratio (TTM) for today is calculated as:
E-L Financial's share price for today is $12.055.
E-L Financial's Earnings per Share (Diluted) 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 $2.407.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for E-L Financial's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, E-L Financial's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where E-L Financial's EV-to-EBITDA falls into.
E-L Financial's current Enterprise Value is $5,467 Mil.
E-L Financial's EBITDA 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 $1,146 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 (ELFIF) has a EV-to-EBITDA of 4.77 as of Jul. 18, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on E-L Financial. This is near median its historical median of 5.06. According to the industry distribution chart, E-L Financial ranks #87 out of 346 companies in the Insurance industry, placing it in the top 25.1%.
Is E-L Financial's EV-to-EBITDA too high?
E-L Financial's current EV-to-EBITDA of 4.77 is near median its 10-year median of 5.06. The Insurance industry median EV-to-EBITDA is 8.23. E-L Financial's value of 4.77 is 42% below this industry median. Based on the distribution chart, E-L Financial ranks #87 out of 346 companies in the Insurance industry, which is above the industry midpoint. Overall, E-L Financial has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does E-L Financial's EV-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, E-L Financial ranks #87 out of 346 companies for EV-to-EBITDA. This puts E-L Financial in the upper half of its industry. The industry median EV-to-EBITDA is 8.23. E-L Financial's value of 4.77 is 42% below this benchmark. While the company's 10-year median is 5.06 vs. the industry median of 8.23, 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-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.23, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. E-L Financial's current EV-to-EBITDA of 4.77 is 42% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on E-L Financial. For the Insurance industry, the median EV-to-EBITDA is 8.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. E-L Financial's current EV-to-EBITDA is 4.77, which is near median its own 10-year median of 5.06. 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 $10.97, compared to a current price of $12.06 — trading 9.9% above its estimated fair value. The current EV-to-EBITDA is 4.77, which is near median its 10-year median of 5.06 and 42% below the Insurance industry median of 8.23. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For E-L Financial (ELFIF), the current EV-to-EBITDA is 4.77 as of Jul. 18, 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 $12.06 is trading 9.9% above its estimated GF Value™ of $10.97.
GuruFocus considers E-L Financial to be Fairly Valued.
Key valuation signals for ELFIF:
EV-to-EBITDA: 4.77 (near median its 10-year median of 5.06)
GF Value™: $10.97 vs. price of $12.06 (9.9% above fair value)
Industry Position: 42% below the Insurance median (#87 of 346)
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.
60GF Score
Get the complete analysis for ELFIF
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ELFIF has been successfully added to your 
