ELFIF (E-L Financial) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is E-L Financial LT-Debt-to-Total-Asset?

E-L Financial ELFIF -0.25% 60 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. E-L Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

E-L Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that E-L Financial is progressively becoming less dependent on debt to grow their business.

E-L Financial (OTCPK:ELFIF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

E-L Financial LT-Debt-to-Total-Asset Related Terms

E-L Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for E-L Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

E-L Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.02

0.03

0.02

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.02	0.02	0.02

60GF Score

E-L Financial Corp Ltd ELFIF

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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E-L Financial LT-Debt-to-Total-Asset Calculation

E-L Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	434.629	/	21718.794
	=	0.02

E-L Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	437.066	/	21482.15
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

E-L Financial (ELFIF) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on E-L Financial and its competitors.

Is E-L Financial's LT-Debt-to-Total-Asset too high?

E-L Financial's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to AFL and MET?

E-L Financial's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on E-L Financial and its competitors. E-L Financial's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For E-L Financial (ELFIF), the current LT-Debt-to-Total-Asset is 0.02 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:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $10.72 vs. price of $11.94 (11.4% 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

Industry Financial Services Insurance

Comparable Companies TSX:SFC SHSE:601318 SHSE:601628 HKSE:01299 TSX:MFC AFL BOM:543526 MET TSX:GWO TPE:2881 XKRX:032830 SHSE:601601 TPE:2882 TSX:POW TSE:8750 LSE:PRU PRU SHSE:601336 BOM:540719 BOM:540777

Other Exchanges 74N:Germany ELF.PR.H.PFD:Canada ELF.PR.G.PFD:Canada ELF.PR.F.PFD:Canada ELF:Canada

Address 165 University Avenue, 10th Floor, Toronto, ON, CAN, M5H 3B8

Website https://www.e-lfinancial.ca

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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$11.94

Price

$10.72

GF Value

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