E-L Financial (FRA:74N) Altman Z-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 €10.40
GF Value €9.34
Valuation Modestly Overvalued
! 8 Warning Signs
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What is E-L Financial Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

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

FRA:74N
64GF Score
E-L Financial Corp Ltd FRA:74N
Altman Z-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 €10.40 is trading 11.3% above its estimated GF Value™ of €9.34. GuruFocus considers E-L Financial to be Modestly Overvalued.

Key valuation signals for FRA:74N:

  • Altman Z-Score:
  • GF Value™: €9.34 vs. price of €10.40 (11.3% 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 Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€10.40
Price
€9.34
GF Value