
E-L Financial Corp Ltd
TSX:ELF

Income Statement
Income Statement
E-L Financial Corp Ltd
Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Gross Premiums Earned |
870
|
872
|
860
|
849
|
849
|
840
|
851
|
858
|
868
|
887
|
854
|
848
|
847
|
840
|
843
|
844
|
847
|
879
|
902
|
923
|
921
|
915
|
893
|
870
|
873
|
867
|
875
|
896
|
902
|
922
|
940
|
960
|
1 002
|
1 214
|
1 115
|
1 182
|
1 231
|
1 257
|
1 266
|
1 296
|
1 314
|
|
Revenue |
1 415
N/A
|
1 423
+1%
|
1 438
+1%
|
1 454
+1%
|
1 472
+1%
|
1 479
+0%
|
1 492
+1%
|
1 490
0%
|
1 496
+0%
|
1 501
+0%
|
1 506
+0%
|
1 516
+1%
|
1 519
+0%
|
1 537
+1%
|
1 514
-2%
|
1 533
+1%
|
1 558
+2%
|
1 579
+1%
|
1 619
+3%
|
1 644
+2%
|
1 657
+1%
|
1 664
+0%
|
1 654
-1%
|
1 615
-2%
|
1 604
-1%
|
1 600
0%
|
1 617
+1%
|
1 628
+1%
|
1 632
+0%
|
1 651
+1%
|
1 650
0%
|
1 680
+2%
|
1 725
+3%
|
569
-67%
|
2 101
+269%
|
2 242
+7%
|
2 002
-11%
|
2 501
+25%
|
2 815
+13%
|
2 900
+3%
|
3 667
+26%
|
|
Operating Income | ||||||||||||||||||||||||||||||||||||||||||
Operating Expenses |
(1 572)
|
(1 795)
|
(1 910)
|
(1 467)
|
(1 305)
|
(1 172)
|
(923)
|
(1 473)
|
(1 683)
|
(1 218)
|
(1 194)
|
(1 125)
|
(809)
|
(1 458)
|
(1 327)
|
(1 174)
|
(1 238)
|
(967)
|
(1 491)
|
(1 755)
|
(2 041)
|
(1 886)
|
(1 202)
|
(1 664)
|
(1 561)
|
(1 802)
|
(1 274)
|
(811)
|
(686)
|
(953)
|
(982)
|
49
|
(65)
|
(1 109)
|
(427)
|
(1 186)
|
(1 155)
|
(1 200)
|
(1 211)
|
(1 244)
|
(1 258)
|
|
Selling, General & Administrative |
(203)
|
(322)
|
(211)
|
(208)
|
(206)
|
(322)
|
(201)
|
(202)
|
(205)
|
(331)
|
(213)
|
(214)
|
(211)
|
(324)
|
(203)
|
(204)
|
(209)
|
(351)
|
(219)
|
(222)
|
(220)
|
(358)
|
(217)
|
(212)
|
(213)
|
(362)
|
(234)
|
(249)
|
(255)
|
(398)
|
(253)
|
(256)
|
(266)
|
(55)
|
0
|
0
|
0
|
(84)
|
0
|
0
|
0
|
|
Depreciation & Amortization |
0
|
(6)
|
0
|
0
|
0
|
(6)
|
0
|
0
|
0
|
(6)
|
0
|
0
|
0
|
(9)
|
0
|
0
|
0
|
(11)
|
0
|
0
|
0
|
(11)
|
0
|
0
|
0
|
(12)
|
0
|
0
|
0
|
(14)
|
0
|
0
|
0
|
(3)
|
0
|
0
|
0
|
(9)
|
0
|
0
|
0
|
|
Benefits Claims Loss Adjustment |
(1 200)
|
(1 413)
|
(1 525)
|
(1 084)
|
(923)
|
(794)
|
(548)
|
(1 097)
|
(1 305)
|
(829)
|
(803)
|
(729)
|
(413)
|
(1 070)
|
(933)
|
(780)
|
(836)
|
(549)
|
(1 068)
|
(1 324)
|
(1 607)
|
(1 457)
|
(772)
|
(1 241)
|
(1 141)
|
(1 371)
|
(828)
|
(349)
|
(214)
|
(481)
|
(509)
|
533
|
431
|
(1 018)
|
(6)
|
(867)
|
(930)
|
(1 072)
|
(1 086)
|
(1 104)
|
(1 117)
|
|
Other Operating Expenses |
(169)
|
(53)
|
(174)
|
(175)
|
(177)
|
(51)
|
(174)
|
(175)
|
(174)
|
(52)
|
(179)
|
(182)
|
(185)
|
(55)
|
(190)
|
(190)
|
(194)
|
(56)
|
(204)
|
(209)
|
(214)
|
(61)
|
(212)
|
(211)
|
(208)
|
(56)
|
(211)
|
(212)
|
(217)
|
(60)
|
(220)
|
(228)
|
(230)
|
(32)
|
(421)
|
(319)
|
(225)
|
(35)
|
(125)
|
(140)
|
(141)
|
|
Operating Income |
(157)
N/A
|
(372)
-137%
|
(472)
-27%
|
(13)
+97%
|
167
N/A
|
307
+84%
|
569
+85%
|
17
-97%
|
(187)
N/A
|
283
N/A
|
312
+10%
|
391
+25%
|
710
+82%
|
80
-89%
|
188
+136%
|
359
+91%
|
320
-11%
|
612
+91%
|
128
-79%
|
(112)
N/A
|
(384)
-244%
|
(222)
+42%
|
452
N/A
|
(48)
N/A
|
43
N/A
|
(201)
N/A
|
343
N/A
|
817
+138%
|
946
+16%
|
697
-26%
|
668
-4%
|
1 730
+159%
|
1 661
-4%
|
(541)
N/A
|
1 674
N/A
|
1 056
-37%
|
847
-20%
|
1 300
+54%
|
1 604
+23%
|
1 656
+3%
|
2 409
+45%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Interest Income Expense |
879
|
954
|
1 296
|
777
|
543
|
502
|
(243)
|
392
|
816
|
150
|
566
|
478
|
(52)
|
817
|
442
|
307
|
429
|
(523)
|
293
|
425
|
691
|
1 249
|
(732)
|
347
|
406
|
915
|
1 837
|
1 068
|
877
|
800
|
(142)
|
(2 171)
|
(2 267)
|
(2 473)
|
(9)
|
(17)
|
(25)
|
(26)
|
(24)
|
(22)
|
(20)
|
|
Total Other Income |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
2 452
|
(1 203)
|
311
|
383
|
0
|
0
|
0
|
0
|
|
Pre-Tax Income |
722
N/A
|
582
-19%
|
825
+42%
|
764
-7%
|
709
-7%
|
809
+14%
|
325
-60%
|
409
+26%
|
629
+54%
|
433
-31%
|
878
+103%
|
869
-1%
|
658
-24%
|
896
+36%
|
629
-30%
|
666
+6%
|
749
+12%
|
89
-88%
|
421
+372%
|
314
-26%
|
307
-2%
|
1 027
+235%
|
(279)
N/A
|
299
N/A
|
449
+50%
|
714
+59%
|
2 180
+206%
|
1 885
-14%
|
1 823
-3%
|
1 497
-18%
|
526
-65%
|
(442)
N/A
|
(607)
-37%
|
(561)
+7%
|
462
N/A
|
1 350
+192%
|
1 204
-11%
|
1 274
+6%
|
1 580
+24%
|
1 634
+3%
|
2 389
+46%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(99)
|
(91)
|
(127)
|
(119)
|
(107)
|
(124)
|
(65)
|
(67)
|
(102)
|
(81)
|
(138)
|
(143)
|
(114)
|
(143)
|
(104)
|
(117)
|
(128)
|
(32)
|
(77)
|
(53)
|
(50)
|
(166)
|
20
|
(60)
|
(86)
|
(110)
|
(331)
|
(288)
|
(275)
|
(215)
|
(72)
|
56
|
75
|
83
|
(77)
|
(193)
|
(171)
|
(179)
|
(229)
|
(238)
|
(372)
|
|
Income from Continuing Operations |
623
|
491
|
698
|
645
|
602
|
685
|
260
|
343
|
527
|
352
|
740
|
726
|
543
|
753
|
525
|
549
|
621
|
57
|
345
|
260
|
257
|
862
|
(259)
|
238
|
364
|
604
|
1 849
|
1 597
|
1 548
|
1 282
|
455
|
(386)
|
(531)
|
(478)
|
385
|
1 157
|
1 034
|
1 095
|
1 352
|
1 397
|
2 017
|
|
Income to Minority Interest |
(109)
|
(88)
|
(139)
|
(127)
|
(129)
|
(157)
|
(53)
|
(71)
|
(88)
|
(22)
|
(85)
|
(79)
|
(42)
|
(90)
|
(60)
|
(73)
|
(97)
|
(29)
|
(75)
|
(53)
|
(47)
|
(114)
|
33
|
(51)
|
(74)
|
(100)
|
(209)
|
(168)
|
(151)
|
(116)
|
8
|
165
|
182
|
147
|
(16)
|
(161)
|
(140)
|
(140)
|
(154)
|
(151)
|
(209)
|
|
Net Income (Common) |
745
N/A
|
379
-49%
|
536
+42%
|
496
-8%
|
453
-9%
|
519
+15%
|
196
-62%
|
262
+34%
|
425
+62%
|
318
-25%
|
643
+102%
|
637
-1%
|
496
-22%
|
653
+32%
|
454
-30%
|
465
+2%
|
511
+10%
|
16
-97%
|
259
+1 560%
|
193
-26%
|
198
+3%
|
729
+269%
|
(243)
N/A
|
167
N/A
|
268
+60%
|
484
+81%
|
1 614
+233%
|
1 402
-13%
|
1 369
-2%
|
1 137
-17%
|
435
-62%
|
(244)
N/A
|
(373)
-53%
|
(326)
+13%
|
351
N/A
|
974
+177%
|
877
-10%
|
933
+6%
|
1 175
+26%
|
1 223
+4%
|
1 778
+45%
|
|
EPS (Diluted) |
169.2
N/A
|
86.13
-49%
|
121.88
+42%
|
112.65
-8%
|
98.54
-13%
|
117.97
+20%
|
52.83
-55%
|
63.92
+21%
|
96.63
+51%
|
72.18
-25%
|
146.15
+102%
|
144.86
-1%
|
112.61
-22%
|
148.31
+32%
|
105.55
-29%
|
103.24
-2%
|
118.76
+15%
|
3.62
-97%
|
60.2
+1 563%
|
44.81
-26%
|
45.97
+3%
|
169.55
+269%
|
-62.28
N/A
|
39.8
N/A
|
65.26
+64%
|
115.26
+77%
|
393.53
+241%
|
345.72
-12%
|
337.69
-2%
|
280.56
-17%
|
122.69
-56%
|
-68.9
N/A
|
-94.35
-37%
|
-91.65
+3%
|
92.06
N/A
|
255.66
+178%
|
270.96
+6%
|
245.24
-9%
|
319.38
+30%
|
332.34
+4%
|
483.05
+45%
|