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E-L Financial Corp Ltd T.ELF

Alternate Symbol(s):  ELFIF | T.ELF.PR.F | T.ELF.PR.G | T.ELF.PR.H

E-L Financial Corporation Limited is a Canada-based investment and insurance holding company. The Company operates through two segments: E-L Corporate and Empire Life. E-L Corporate segment represents investments in stocks and fixed income securities held directly and indirectly through pooled funds, closed-end investment companies and other investment companies. The investment strategy is to accumulate shareholder value through long-term capital appreciation and dividend and interest income from its investments. Empire Life segment offers individual and group life and health insurance, investment and retirement products to Canadians. The segment provides a range of life insurance and wealth management products, employee benefit plans and financial services to meet the needs of individuals, professionals and businesses through a network of Independent Financial Advisors (IFA), Managing General Agents (MGA), National Account firms and Group Solutions brokers and representatives.


TSX:ELF - Post by User

Comment by Methodon May 28, 2021 7:52pm
225 Views
Post# 33291499

RE:RE:RE:RE:RE:RE:RE:RE:RE:RE:RE:ELF

RE:RE:RE:RE:RE:RE:RE:RE:RE:RE:RE:ELF
chuck84 wrote: is that a joke?

the SIB talked at great length about the liquidity opinion and the requirement for one. as to the specific thresholds, doubt there are hard and fast rules. by definition it is an opinion provided by a dealer and vetted by the OSC.

as to minimum shareholders/float required to do an IPO, those rules are publicly available and well documented by the whichever exchange the listing takes place.

as to the mandatory go private once 90% has been breached on a creeping takeover, well that is certainly up for debate in ELF's case given how they hold their shares. I suspect however that the "HNR" ownership level would be used. given HNR is at 80% now, it is conceivable that HNR could not technically get to 90% if indeed i am correct in assuming they control more shares outside the HNR definition.

ELF is not the first and nor will be the last company to employ strategies to entrench discounts for the sole purpose of deploying a creeping takeover. these occur up to a point however when hard and fast rules kick in to protect those remaining. those tests involve float and liquidity.

but you know that, you just chose to be willfully dismisive of it in part because as you say "you don't need a regulator to tell you what to do". not the first time either.


Here is the link to the rules. https://www.osc.ca/sites/default/files/pdfs/irps/rule_20160509_61-101_special-transactions.pdf

I wasn't joking. Do you have calculations for how the Liquid Market is defined for ELF? I find the rules confusing.

I think we just have different perspectives. What you see as malicious, I see as patient. I also don't see the harm in the float getting smaller and I don't know how it protects me or any investor to stop SIBs. 

The only other way to get the discount to shrink is for investors to recognize the impressive NEV growth for the past 50 years of almost 13% annually. Maybe if the conversation is constructive, this new breed of never sell investors will take some of their funds and put it into a company that has $1400+ invested in global quality stocks and ETFs for less than $1000. 

Plus they get a very marketable life insurance company and some leverage for the other $450 share thrown in for free.

I try to share the story positively so people can make a lot of money shrinking the discount to intrinsic value with their own investment dollars and if that doesn't work, I cheer for share buybacks because that just increases my long term returns even more.

I do think there are only 763k shares left if the family is truly never sell. I think all value investors should want to own it but I think most of them think they can do better than 20%/year or it fails a silly requirement like liquidity which most people shouldn't have to worry about for a large portion of their portfolio.I would think with 1000 shares a day NCIB available and the ability for any larger shareholder to just call the company to cross a block at the last price is plenty of liquidity.

This is just one persons opinion and I'm not saying I'm right it's just what I think is right. I assume we both want the discount to close and I am not trying to be confrontational in any way. You obviously have a lot of knowledge and I appreciate that.






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