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.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-18), E-L Financial's 3-1 Month Momentum % is -3.77%.
The industry rank for E-L Financial's 3-1 Month Momentum % or its related term are showing as below:
ELFIF's 3-1 Month Momentum % is ranked worse than 56.24% of 569
companies
in the Insurance industry
Industry Median: 1.69
vs ELFIF: -3.77
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
E-L Financial 3-1 Month Momentum % Related Terms
ELFIF vs AFL, MET, PRU: 3-1 Month Momentum % Comparison
For the Insurance - Life subindustry, E-L Financial's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Insurance Industry
For the Insurance industry and Financial Services sector, E-L Financial's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where E-L Financial's 3-1 Month Momentum % falls into.
* 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 3-1 Month Momentum % of -3.77% as of Jul. 18, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on E-L Financial and its competitors. According to the industry distribution chart, E-L Financial ranks #320 out of 569 companies in the Insurance industry, placing it in the top 56.2%.
Is E-L Financial's 3-1 Month Momentum % too high?
E-L Financial's current 3-1 Month Momentum % is -3.77%. Based on the distribution chart, E-L Financial ranks #320 out of 569 companies in the Insurance industry, which is below 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 3-1 Month Momentum % compare to AFL and MET?
According to the Insurance industry distribution chart, E-L Financial ranks #320 out of 569 companies for 3-1 Month Momentum %. This places E-L Financial in the lower half of its industry. The industry median 3-1 Month Momentum % is 1.69. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for an Insurance company?
The median 3-1 Month Momentum % among Insurance companies is 1.69, based on 569 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on E-L Financial and its competitors. For the Insurance industry, the median 3-1 Month Momentum % is 1.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. E-L Financial's current 3-1 Month Momentum % is -3.77%. 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 3-1 Month Momentum % is -3.77%. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For E-L Financial (ELFIF), the current 3-1 Month Momentum % is -3.77% 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:
3-1 Month Momentum %: -3.77%
GF Value™: $10.97 vs. price of $12.06 (9.9% above fair value)
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
3-1 Month Momentum % 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 
