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TSE:ELF
E-L Financial (ELF.TO)
Financials 
Technical Analysis 
Jun 16, 2026, 12:00 amThis summary was created by AI, based on 6 opinions in the last 12 months.
E-L Financial, represented by the symbol ELF-T, has garnered attention as a consistent choice among analysts, particularly Michael O'Reilly, who continues to endorse it as a top pick. The company's operations are characterized as stable and somewhat uneventful, yet its financial performance reveals a robust growth trajectory, with cash reserves increasing supported by impressive returns on investments of 19% and a return on equity (ROE) of 14%. Analysts note that ELF trades at a low valuation, specifically 5x earnings, well below its book value, making it attractive for investors. The majority of recommendations suggest setting a stop-loss at approximately $15.50 while targeting an upside potential ranging from $17.50 to $21.00. Overall, the stock's modest yield of around 0.9%-1.1% indicates a reliable investment in a conservative portfolio context.
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Premium content
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, 6 stock analysts issued a Buy, Sell, or Hold rating on ELF.TO (previously ELF-T on Stockchase). 6 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 2026-06-16, E-L Financial (ELF.TO) stock closed at a price of $16.95.
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We 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%