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 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Apr '26 Apr 28, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Market Capitalization	5,846	5,631	4,587	3,629	3,097	3,288	Upgrade
Market Cap Growth	36.76%	22.77%	26.41%	17.17%	-5.81%	18.86%	Upgrade
Enterprise Value	7,704	7,425	6,393	5,255	4,668	5,092	Upgrade
PE Ratio	4.91	4.62	2.96	3.95	-	2.89	Upgrade
PS Ratio	1.73	1.66	1.25	1.32	4.26	1.32	Upgrade
PB Ratio	0.55	0.53	0.47	0.44	0.42	0.38	Upgrade
P/OCF Ratio	16.35	15.75	9.98	4.93	9.65	9.45	Upgrade
EV/Sales Ratio	2.27	2.19	1.75	1.91	6.42	2.05	Upgrade
EV/EBITDA Ratio	4.12	3.97	2.78	3.53	-	3.30	Upgrade
EV/EBIT Ratio	4.14	3.99	2.79	3.55	-	3.33	Upgrade
Debt / Equity Ratio	0.06	0.06	0.06	0.09	0.10	0.07	Upgrade
Debt / EBITDA Ratio	0.32	0.32	0.26	0.49	-	0.39	Upgrade
Net Debt / Equity Ratio	0.00	0.00	0.02	0.04	0.05	0.00	Upgrade
Net Debt / EBITDA Ratio	0.02	0.02	0.10	0.20	-0.94	-0.02	Upgrade
Quick Ratio	1.36	1.36	0.99	1.19	1.13	1.65	Upgrade
Current Ratio	2.24	2.24	1.95	2.13	2.23	1.77	Upgrade
Asset Turnover	0.12	0.12	0.14	0.11	0.03	0.10	Upgrade
Return on Equity (ROE)	13.60%	13.60%	19.46%	13.99%	-5.99%	15.78%	Upgrade
Return on Assets (ROA)	4.00%	4.00%	5.31%	3.74%	-1.06%	3.69%	Upgrade
Return on Invested Capital (ROIC)	14.19%	14.52%	20.04%	14.88%	-4.94%	15.00%	Upgrade
Earnings Yield	20.83%	21.95%	34.23%	26.33%	-10.70%	35.46%	Upgrade
Dividend Yield	0.95%	1.03%	1.35%	1.82%	1.45%	1.29%	Upgrade
Payout Ratio	5.60%	5.60%	4.30%	6.74%	-	3.72%	Upgrade
Buyback Yield / Dilution	2.78%	2.78%	2.69%	-5.34%	11.18%	4.21%	Upgrade
Total Shareholder Return	3.72%	3.81%	4.04%	-3.52%	12.63%	5.50%	Upgrade

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