E-L Financial Corporation Limited

ELF.TOTSXFinancial Services● Active

$17.24

+$0.04(+0.23%)

Market Cap$6.0B

P/E Ratio—

52W High$18.97

52W Low$14.31

Avg Volume55K

Open$17.13

Beta0.81

Free Cash Flow Financials Revenue

E-L Financial Corporation Limited (ELF.TO) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

ELF.TO · free cash flow · updated Jun 8, 2026

Core FCF metrics

ELF.TO · FCF · TTM · margin & CAGR

Free cash flow was $387.3M for FY2025 (fiscal year ending 2025-12-31), down 15.7% year-over-year The FCF margin was 21.9%. Five-year CAGR stands at +3.8%.

FY2025 Free Cash Flow$387.3M▼ -15.7% YoY

Trailing 12M (TTM)$401.3Mtrailing 4 quarters sum

FCF Margin21.9%$387.3M ÷ revenue

3-Year CAGR+0.6%FY2022 → FY2025

5-Year CAGR+3.8%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

ELF.TO · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$387.3M(0M)$387.3M▼ 15.7%21.9%

FY2024$459.5M(0M)$459.5M▼ 37.6%13.7%

FY2023$736.0M(0M)$736.0M▲ +93.2%24.6%

FY2022$397.8M(17M)$381.0M▲ +10.6%—

FY2021$348.1M(4M)$344.4M▲ +7.2%14.8%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

ELF.TO · P/FCF · FCF yield · FCF per share

E-L Financial Corporation Limited (ELF.TO) trades at a FCF yield of 6.72% and a price-to-free-cash-flow ratio of 14.6x. FCF per share stands at $1.18, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

6.72%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$1.18

TTM FCF ÷ Shares Outstanding

Price / FCF

x14.6

Share Price ÷ FCF per Share

EV / FCF (TTM)

x15.2

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

ELF.TO · cash flow statement · operating / investing / financing

For FY2025, E-L Financial Corporation Limited generated $387.3M in operating cash flow and spent 0M in capital expenditures, yielding $387.3M in free cash flow.

Operating Activities

+$387.3M

Cash from core business operations

2025-12-31

Investing Activities

+$295.2M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$491.5M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($387.3M) − |CapEx| (0M) = FCF ($387.3M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

ELF.TO vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

E-L Financial Corporation LimitedYOU

ELF.TO

$387.3M-15.7%21.9%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

E-L Financial Corporation Limited (ELF.TO) reported free cash flow of $387.3M for FY2025 (fiscal year ending 2025-12-31), down 15.7% year-over-year. The FCF margin was 21.9%.

Based on available data, E-L Financial Corporation Limited has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $736.0M in FY2023. The 5-year CAGR stands at +3.8%.

E-L Financial Corporation Limited's FCF yield is 6.72% and price-to-FCF ratio is 14.6x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

ELF.TO free cash flow · 8 questions

E-L Financial Corporation Limited free cash flow was $387.3M for FY2025, down 15.7% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $401.3M.

ELF.TO free cash flowELF.TO FCFELF.TO FCF 2025ELF.TO free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · E-L Financial Corporation Limited · E-L Financial Corporation Limited SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026