E-L Financial (FRA:74N) Altman Z2-Score

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.

FRA:74N E-L Financial Corp Ltd FRA:74N
64 GF Score
Price €10.20
GF Value €9.32
Valuation Fairly Valued
! 8 Warning Signs
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What is E-L Financial Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

FRA:74N
64GF Score
E-L Financial Corp Ltd FRA:74N
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is E-L Financial (FRA:74N) Overvalued in 2026?

Based on GuruFocus' analysis, E-L Financial stock appears to be overvalued. The current stock price of €10.20 is trading 9.4% above its estimated GF Value™ of €9.32. GuruFocus considers E-L Financial to be Fairly Valued.

Key valuation signals for FRA:74N:

  • Altman Z2-Score:
  • GF Value™: €9.32 vs. price of €10.20 (9.4% above fair value)
  • GF Score™: 64/100 with 8 warning signs

No single metric tells the full story. See the FRA:74N 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.
64GF Score

Get the complete analysis for FRA:74N

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€10.20
Price
€9.32
GF Value