E-L FinancialELFIF -0.25%60 Interest Coverage is 2.07 as of Mar. 2026, which is 96% below its 10-year median of 49.15. GuruFocus rates ELFIF with a GF Score™ of 60/100 and a GF Value™ of $10.72 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 351 Insurance companies, E-L Financial ranks better than 74.36% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. E-L Financial's
EBIT
for the
three
months ended in Mar. 2026 was $9 Mil. E-L Financial's Interest Expense for the
three
months ended in Mar. 2026 was $-4 Mil.
E-L Financial's interest coverage for the quarter that ended in Mar. 2026 was 2.07.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for E-L Financial's Interest Coverage or its related term are showing as below:
ELFIF'
s Interest Coverage Range Over the Past 10 Years
Min: 5.33 Med: 49.15 Max: 82.59
Current: 62.51
ELFIF's Interest Coverage is ranked better than 74.36% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs ELFIF: 62.51
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
E-L Financial Interest Coverage Related Terms
E-L Financial Interest Coverage Historical Data
* Premium members only.
The historical data trend for E-L Financial's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ELFIF vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, E-L Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, E-L Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where E-L Financial's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 2.07 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on E-L Financial and its competitors. This is 96% below median its historical median of 49.15. Over the past decade, E-L Financial's Interest Coverage has ranged from 5.33 to 82.59. According to the industry distribution chart, E-L Financial ranks #90 out of 351 companies in the Insurance industry, placing it in the top 25.6%.
Is E-L Financial's Interest Coverage too high?
E-L Financial's current Interest Coverage of 2.07 is 96% below median its 10-year median of 49.15. Over the past 10 years, this metric has ranged from a low of 5.33 to a high of 82.59. The Insurance industry median Interest Coverage is 16.23. E-L Financial's value of 2.07 is 87.2% below this industry median. Based on the distribution chart, E-L Financial ranks #90 out of 351 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does E-L Financial's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, E-L Financial ranks #90 out of 351 companies for Interest Coverage. This puts E-L Financial in the upper half of its industry. The industry median Interest Coverage is 16.23. E-L Financial's value of 2.07 is 87.2% below this benchmark. Historically, E-L Financial's own Interest Coverage has ranged from 5.33 to 82.59 over the past decade. While the company's 10-year median is 49.15 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. E-L Financial's current Interest Coverage of 2.07 is 87.2% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on E-L Financial and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. E-L Financial's current Interest Coverage is 2.07, which is 96% below median its own 10-year median of 49.15. 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 $10.72, compared to a current price of $11.94 — trading 11.4% above its estimated fair value. The current Interest Coverage is 2.07, which is 96% below median its 10-year median of 49.15 and 87.2% below the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For E-L Financial (ELFIF), the current Interest Coverage is 2.07 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 $11.94 is trading 11.4% above its estimated GF Value™ of $10.72.
GuruFocus considers E-L Financial to be Modestly Overvalued.
Key valuation signals for ELFIF:
Interest Coverage: 2.07 (96% below median its 10-year median of 49.15)
GF Value™: $10.72 vs. price of $11.94 (11.4% above fair value)
Industry Position: 87.2% below the Insurance median (#90 of 351)
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
Interest Coverage 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 
