ELFIF (E-L Financial) Margin of Safety % (DCF Earnings Based): N/A (As of Aug. 09, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ELFIF E-L Financial Corp Ltd ELFIF
63 GF Score
Price $12.66
GF Value $11.18
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is E-L Financial Margin of Safety % (DCF Earnings Based)?

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

E-L Financial's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Earnings Based) is not calculated.

ELFIF vs AFL, MET, PRU: Margin of Safety % (DCF Earnings Based) Comparison

For the Insurance - Life subindustry, E-L Financial's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, E-L Financial's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where E-L Financial's Margin of Safety % (DCF Earnings Based) falls into.


ELFIF
63GF Score
E-L Financial Corp Ltd ELFIF
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 $12.66 is trading 13.3% above its estimated GF Value™ of $11.18. GuruFocus considers E-L Financial to be Modestly Overvalued.

Key valuation signals for ELFIF:

  • Margin of Safety % (DCF Earnings Based): N/A
  • GF Value™: $11.18 vs. price of $12.66 (13.3% above fair value)
  • GF Score™: 63/100 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

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

Get the complete analysis for ELFIF

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.66
Price
$11.18
GF Value