E-L Financial Corporation Ratios and Metrics

Market cap in millions CAD. Fiscal year is January - December.

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Mar '26 Mar 6, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2015
Market Capitalization	5,527	4,587	3,629	3,097	3,288	2,766	Upgrade
Market Cap Growth	13.99%	26.41%	17.17%	-5.81%	18.86%	-15.02%	Upgrade
Enterprise Value	7,321	6,393	5,255	4,668	5,092	3,921	Upgrade
PE Ratio	4.42	2.96	3.95	-	2.89	5.71	Upgrade
PS Ratio	1.62	1.25	1.32	4.26	1.32	1.09	Upgrade
PB Ratio	0.54	0.47	0.44	0.42	0.38	0.36	Upgrade
P/OCF Ratio	15.38	9.98	4.93	9.65	9.45	8.41	Upgrade
EV/Sales Ratio	2.15	1.75	1.91	6.42	2.05	1.55	Upgrade
EV/EBITDA Ratio	3.77	2.78	3.53	-	3.30	5.25	Upgrade
EV/EBIT Ratio	3.79	2.79	3.55	-	3.33	5.34	Upgrade
Debt / Equity Ratio	0.06	0.06	0.09	0.10	0.07	0.08	Upgrade
Debt / EBITDA Ratio	0.31	0.26	0.49	-	0.39	0.81	Upgrade
Net Debt / Equity Ratio	0.02	0.02	0.04	0.05	0.00	0.02	Upgrade
Net Debt / EBITDA Ratio	0.10	0.10	0.20	-0.94	-0.02	0.23	Upgrade
Quick Ratio	1.59	0.99	1.19	1.13	1.65	1.05	Upgrade
Current Ratio	3.07	1.95	2.13	2.23	1.77	1.22	Upgrade
Asset Turnover	0.12	0.14	0.11	0.03	0.10	0.10	Upgrade
Return on Equity (ROE)	14.95%	19.46%	13.99%	-5.99%	15.78%	8.03%	Upgrade
Return on Assets (ROA)	4.23%	5.31%	3.74%	-1.06%	3.69%	1.88%	Upgrade
Return on Invested Capital (ROIC)	15.76%	20.04%	14.88%	-4.94%	15.00%	7.72%	Upgrade
Earnings Yield	23.37%	34.23%	26.33%	-10.70%	35.46%	18.21%	Upgrade
Dividend Yield	1.00%	1.34%	1.82%	1.44%	1.29%	0.97%	Upgrade
Payout Ratio	21.05%	17.53%	6.74%	-	3.72%	6.96%	Upgrade
Buyback Yield / Dilution	3.18%	2.64%	-5.34%	11.18%	4.21%	3.76%	Upgrade
Total Shareholder Return	4.18%	3.99%	-3.52%	12.63%	5.50%	4.73%	Upgrade

Source: S&P Capital IQ. Insurance template. Financial Sources.