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TSE:ELF
E-L Financial (ELF.TO)
Financials 
Technical Analysis 
Jun 20, 2026, 12:00 amThis summary was created by AI, based on 7 opinions in the last 12 months.
E-L Financial (ELF-T) has garnered attention from analysts, most notably Michael O'Reilly, who consistently describes it as a 'TOP PICK'. The company demonstrates stable operational performance with a notable 14% return on equity (ROE) and impressive cash reserves. With an attractive valuation of just 5x earnings and currently trading under book value, the stock shows potential for significant upside, with target prices ranging from $19.50 to $21.00. Despite past fluctuations, analysts suggest maintaining strategic stop-loss levels, reflecting confidence in the stock's resilience. Yielding around 0.9% to 1.1%, E-L Financial appeals to investors seeking growth alongside moderate income.
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Premium contentWe again reiterate ELF, Empire Life, as a TOP PICK. The business is steady and boring and producing growing cash reserves on the back of 19% returns on its investments and 14% ROE. It trades under book value at 5x earnings. We continue to recommend a stop at $15.50, looking to achieve $21.00 -- upside potential of 18%. Yield 0.9%
Premium contentWe reiterate ELF, Empire Life, as a TOP PICK. The business is steady and boring and producing growing cash reserves on the back of 19% returns on its investments. Equity value per share (reported recently as $25.45) is well above current share prices. It trades at only 5x earnings and generates a ROE of 14%. We continue to recommend a stop at $15.50, looking to achieve $19.50 -- upside potential of 18%. Yield 0.9%
Premium contentPremium content
Premium contentELF offers investments and insurance and includes Empire Life. It trades at 4x earnings, under book value, and supports a ROE of 14%. Recently reported earnings demonstrated a 57% in net income and growing cash reserves. We recommend setting a stop-loss at $12.00, looking to achieve $17.50 -- upside potential of 18%. Yield 1.1%
Good company, but institutional coverage not picking it up. Very good business with strong dividend. Thinly traded shares, but good for retail investors. Revenues continue to rise with excellent profits.
Lyle Stein
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E-L Financial (ELF.TO) Frequently Asked Questions
What is E-L Financial stock symbol?
E-L Financial is a Canadian stock, trading under the symbol ELF.TO (previously ELF-T on Stockchase) on the Toronto Stock Exchange (ELF-CT). It is usually referred to as TSX:ELF or ELF.TO
Is E-L Financial a buy or a sell?
In the last year, 7 stock analysts issued a Buy, Sell, or Hold rating on ELF.TO (previously ELF-T on Stockchase). 7 analysts recommended to BUY and 0 analysts recommended to SELL the stock. The latest stock analyst rating is BUY. Read the latest stock experts' ratings for E-L Financial.
Is E-L Financial a good investment or a top pick?
E-L Financial was recommended as a Top Pick by Steven Wippersteg on 2001-06-27. Read the latest stock experts ratings for E-L Financial.
Why is E-L Financial stock dropping?
Earnings reports or recent company news can cause the stock price to drop. Read stock experts' recommendations for E-L Financial.
Is E-L Financial worth watching?
E-L Financial is followed by 25 investors on Stockchase and is a trending stock that is worth watching.
What is E-L Financial stock price?
On 2026-06-19, E-L Financial (ELF.TO) stock closed at a price of $17.09.
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We reiterate ELF as a TOP PICK. It trades at 5x earnings, under book value and supports a 14% ROE. Latest earnings showed a healthy growth in cash reserves, all on the back of improving operations. We continue to recommend a stop at $15.50, looking to achieve $20.00 - upside potential of 17%. Yield 0.9%