E-L FINANCIAL CORP LTD(TSX:ELF) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to ELF. ELF was compared to 86 industry peers in the Insurance industry. While ELF belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. ELF is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year ELF was profitable.

In the past year ELF had a positive cash flow from operations.

ELF had positive earnings in 4 of the past 5 years.

Each year in the past 5 years ELF had a positive operating cash flow.

1.2 Ratios

The Return On Assets of ELF (6.42%) is better than 96.51% of its industry peers.

Looking at the Return On Equity, with a value of 21.84%, ELF belongs to the top of the industry, outperforming 95.35% of the companies in the same industry.

The Return On Invested Capital of ELF (7.48%) is better than 95.35% of its industry peers.

		Industry Rank	Sector Rank
ROA	6.42%
ROE	21.84%
ROIC	7.48%

ROA(3y)2.17%

ROA(5y)2.3%

ROE(3y)7.84%

ROE(5y)8.5%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ELF's Profit Margin of 48.48% is amongst the best of the industry. ELF outperforms 96.51% of its industry peers.

ELF's Profit Margin has improved in the last couple of years.

ELF's Operating Margin of 65.70% is amongst the best of the industry. ELF outperforms 96.51% of its industry peers.

In the last couple of years the Operating Margin of ELF has grown nicely.

		Industry Rank	Sector Rank
OM	65.7%
PM (TTM)	48.48%
GM	N/A

OM growth 3YN/A

OM growth 5Y6.05%

PM growth 3Y7.25%

PM growth 5Y106.74%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, ELF has less shares outstanding

The number of shares outstanding for ELF has been reduced compared to 5 years ago.

The debt/assets ratio for ELF has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of ELF is 0.82, which is an excellent value as it means it would take ELF, only 0.82 years of fcf income to pay off all of its debts.

ELF has a better Debt to FCF ratio (0.82) than 80.23% of its industry peers.

ELF has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.

With an excellent Debt to Equity ratio value of 0.07, ELF belongs to the best of the industry, outperforming 94.19% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.82
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ELF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 106.06%, which is quite impressive.

The Earnings Per Share has been growing by 132.37% on average over the past years. This is a very strong growth

The Revenue has grown by 83.13% in the past year. This is a very strong growth!

Measured over the past years, ELF shows a quite strong growth in Revenue. The Revenue has been growing by 9.63% on average per year.

EPS 1Y (TTM)106.06%

EPS 3Y28.62%

EPS 5Y132.37%

EPS Q2Q%862.15%

Revenue 1Y (TTM)83.13%

Revenue growth 3Y16.04%

Revenue growth 5Y9.63%

Sales Q2Q%366.41%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

ELF is valuated cheaply with a Price/Earnings ratio of 2.84.

Compared to the rest of the industry, the Price/Earnings ratio of ELF indicates a somewhat cheap valuation: ELF is cheaper than 76.74% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 29.35, ELF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	2.84
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ELF is valued a bit more expensive than 74.42% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.42
EV/EBITDA	N/A

4.3 Compensation for Growth

The decent profitability rating of ELF may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.02

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ELF has a Yearly Dividend Yield of 1.10%.

With a Dividend Yield of 1.10, ELF pays less dividend than the industry average, which is at 4.24. 82.56% of the companies listed in the same industry pay a better dividend than ELF!

With a Dividend Yield of 1.10, ELF pays less dividend than the S&P500 average, which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	1.1%

5.2 History

On average, the dividend of ELF grows each year by 15.58%, which is quite nice.

ELF has paid a dividend for at least 10 years, which is a reliable track record.

The dividend of ELF decreased recently.

Dividend Growth(5Y)15.58%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

15.50% of the earnings are spent on dividend by ELF. This is a low number and sustainable payout ratio.

ELF's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP15.5%

EPS Next 2YN/A

EPS Next 3YN/A

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E-L FINANCIAL CORP LTD

TSX:ELF (3/7/2025, 7:00:00 PM)

1359.99

+11.74 (+0.87%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)03-06 2025-03-06

Earnings (Next)05-06 2025-05-06

Inst Owners16.02%

Inst Owner ChangeN/A

Ins Owners0.16%

Ins Owner ChangeN/A

Market Cap4.71B

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.1%

Yearly Dividend18.36

Dividend Growth(5Y)15.58%

DP15.5%

Div Incr Years1

Div Non Decr Years1

Ex-Date03-03 2025-03-03 (150)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	2.84
Fwd PE	N/A
P/S	1.28
P/FCF	6.42
P/OCF	6.42
P/B	0.58
P/tB	0.58
EV/EBITDA	N/A

EPS(TTM)479.08

EY35.23%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)211.88

FCFY15.58%

OCF(TTM)211.88

OCFY15.58%

SpS1059.83

BVpS2352.72

TBVpS2327.96

PEG (NY)N/A

PEG (5Y)0.02

Profitability

		Industry Rank	Sector Rank
ROA	6.42%
ROE	21.84%
ROCE	8.7%
ROIC	7.48%
ROICexc	7.57%
ROICexgc	11.83%
OM	65.7%
PM (TTM)	48.48%
GM	N/A
FCFM	19.99%

ROA(3y)2.17%

ROA(5y)2.3%

ROE(3y)7.84%

ROE(5y)8.5%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5Y11.63%

ROICexc growth 3YN/A

ROICexc growth 5Y12%

OM growth 3YN/A

OM growth 5Y6.05%

PM growth 3Y7.25%

PM growth 5Y106.74%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.13

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.82
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	133.67
Cash Conversion	N/A
Profit Quality	41.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)106.06%

EPS 3Y28.62%

EPS 5Y132.37%

EPS Q2Q%862.15%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)83.13%

Revenue growth 3Y16.04%

Revenue growth 5Y9.63%

Sales Q2Q%366.41%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y184.46%

EBIT growth 3YN/A

EBIT growth 5Y16.26%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y161.8%

FCF growth 3Y30.77%

FCF growth 5Y13.68%

OCF growth 1Y161.8%

OCF growth 3Y30.77%

OCF growth 5Y13.68%

E-L FINANCIAL CORP LTD (ELF.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens