1-Year Return on Invested Incremental Capital (1-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 1-year.
E-L Financial's 1-Year ROIIC % for the quarter that ended in Mar. 2026 was 5.32%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for E-L Financial's 1-Year ROIIC % or its related term are showing as below:
ELFIF's 1-Year ROIIC % is ranked better than 54.95% of 364
companies
in the Insurance industry
Industry Median: 3.385
vs ELFIF: 5.32
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
E-L Financial 1-Year ROIIC % Related Terms
E-L Financial 1-Year ROIIC % Historical Data
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The historical data trend for E-L Financial's 1-Year ROIIC % 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 1-Year ROIIC %, along with its competitors' market caps and 1-Year ROIIC % 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 1-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, E-L Financial's 1-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where E-L Financial's 1-Year ROIIC % 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.
** TTM data of NOPAT and Invested Capital was used to calculate 1-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
E-L Financial (ELFIF) has a 1-Year ROIIC % of 5.32 as of Mar. 2026. 1-Year ROIIC % measures the change in earnings as a percentage of change in investment over 1-year. View historical data on E-L Financial and its competitors. According to the industry distribution chart, E-L Financial ranks #164 out of 364 companies in the Insurance industry, placing it in the top 45.1%.
Is E-L Financial's 1-Year ROIIC % too high?
E-L Financial's current 1-Year ROIIC % is 5.32. The Insurance industry median 1-Year ROIIC % is 3.39. E-L Financial's value of 5.32 is 57.2% above this industry median. Based on the distribution chart, E-L Financial ranks #164 out of 364 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 1-Year ROIIC % compare to AFL and MET?
According to the Insurance industry distribution chart, E-L Financial ranks #164 out of 364 companies for 1-Year ROIIC %. This puts E-L Financial in the upper half of its industry. The industry median 1-Year ROIIC % is 3.39. E-L Financial's value of 5.32 is 57.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year ROIIC % for an Insurance company?
The median 1-Year ROIIC % among Insurance companies is 3.39, based on 364 companies in the industry. Companies in the top quartile (top 25%) have a 1-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 1-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. E-L Financial's current 1-Year ROIIC % of 5.32 is 57.2% above 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 1-Year ROIIC % mean?
A high 1-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 1-Year ROIIC % measures the change in earnings as a percentage of change in investment over 1-year. View historical data on E-L Financial and its competitors. For the Insurance industry, the median 1-Year ROIIC % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. E-L Financial's current 1-Year ROIIC % is 5.32. 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 $10.76, compared to a current price of $12.02 — trading 11.7% above its estimated fair value. The current 1-Year ROIIC % is 5.32 and 57.2% above the Insurance industry median of 3.39. 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 1-Year ROIIC % calculated?
1-Year ROIIC % is calculated from a company's financial statements. For E-L Financial (ELFIF), the current 1-Year ROIIC % is 5.32 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 $12.02 is trading 11.7% above its estimated GF Value™ of $10.76.
GuruFocus considers E-L Financial to be Modestly Overvalued.
Key valuation signals for ELFIF:
1-Year ROIIC %: 5.32
GF Value™: $10.76 vs. price of $12.02 (11.7% above fair value)
Industry Position: 57.2% above the Insurance median (#164 of 364)
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
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