ELF Fundamental Analysis - E-L FINANCIAL CORP LTD

Fundamental Rating

Taking everything into account, ELF scores 4 out of 10 in our fundamental rating. ELF was compared to 77 industry peers in the Insurance industry. ELF has a medium profitability rating, but doesn't score so well on its financial health evaluation. ELF does not seem to be growing, but still is valued expensively.

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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.

Of the past 5 years ELF 4 years were profitable.

ELF had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

ELF has a Return On Assets of 4.41%. This is amongst the best in the industry. ELF outperforms 90.91% of its industry peers.

Looking at the Return On Equity, with a value of 14.85%, ELF belongs to the top of the industry, outperforming 92.21% of the companies in the same industry.

ELF has a Return On Invested Capital of 4.96%. This is in the better half of the industry: ELF outperforms 79.22% of its industry peers.

		Industry Rank	Sector Rank
ROA	4.41%
ROE	14.85%
ROIC	4.96%

ROA(3y)2.6%

ROA(5y)2.8%

ROE(3y)8.85%

ROE(5y)9.91%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of ELF (41.06%) is better than 100.00% of its industry peers.

In the last couple of years the Profit Margin of ELF has remained more or less at the same level.

Looking at the Operating Margin, with a value of 54.15%, ELF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

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

		Industry Rank	Sector Rank
OM	54.15%
PM (TTM)	41.06%
GM	N/A

OM growth 3Y13.12%

OM growth 5YN/A

PM growth 3Y-12.84%

PM growth 5Y0.82%

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

The number of shares outstanding for ELF remains at a similar level compared to 1 year ago.

Compared to 5 years ago, ELF has less shares outstanding

Compared to 1 year ago, ELF has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of ELF is 2.07, which is a good value as it means it would take ELF, 2.07 years of fcf income to pay off all of its debts.

ELF has a Debt to FCF ratio (2.07) which is in line with its industry peers.

A Debt/Equity ratio of 0.07 indicates that ELF is not too dependend on debt financing.

The Debt to Equity ratio of ELF (0.07) is better than 96.10% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	2.07
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

The Earnings Per Share has been growing slightly by 4.31% over the past year.

Measured over the past years, ELF shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.39% on average per year.

ELF shows a small growth in Revenue. In the last year, the Revenue has grown by 3.70%.

Measured over the past years, ELF shows a quite strong growth in Revenue. The Revenue has been growing by 15.53% on average per year.

EPS 1Y (TTM)4.31%

EPS 3Y14.91%

EPS 5Y20.39%

EPS Q2Q%64.52%

Revenue 1Y (TTM)3.7%

Revenue growth 3Y27.55%

Revenue growth 5Y15.53%

Sales Q2Q%27.36%

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

The Price/Earnings ratio is 5.09, which indicates a rather cheap valuation of ELF.

Compared to the rest of the industry, the Price/Earnings ratio of ELF indicates a somewhat cheap valuation: ELF is cheaper than 63.64% of the companies listed in the same industry.

ELF is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	5.09
Fwd PE	N/A

4.2 Price Multiples

ELF's Price/Free Cash Flow ratio is rather expensive when compared to the industry. ELF is more expensive than 92.21% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	20.59
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)0.25

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ELF has a yearly dividend return of 0.99%, which is pretty low.

Compared to an average industry Dividend Yield of 3.91, ELF's dividend is way lower than its industry peers. On top of this 84.42% of the companies listed in the same industry pay a better dividend than ELF!

Compared to an average S&P500 Dividend Yield of 2.38, ELF's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.99%

5.2 History

The dividend of ELF decreases each year by -38.31%.

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

ELF has decreased its dividend in the last 3 years.

Dividend Growth(5Y)-38.31%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

47.51% of the earnings are spent on dividend by ELF. This is a bit on the high side, but may be sustainable.

DP47.51%

EPS Next 2YN/A

EPS Next 3YN/A

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E-L FINANCIAL CORP LTD

TSX:ELF (9/18/2025, 7:00:00 PM)

17.25

+0.73 (+4.42%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-07 2025-08-07

Earnings (Next)11-06 2025-11-06

Inst Owners16%

Inst Owner ChangeN/A

Ins Owners0.16%

Ins Owner ChangeN/A

Market Cap5.97B

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.99%

Yearly Dividend0.79

Dividend Growth(5Y)-38.31%

DP47.51%

Div Incr Years2

Div Non Decr Years2

Ex-Date09-29 2025-09-29 (0.04)

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	5.09
Fwd PE	N/A
P/S	1.99
P/FCF	20.59
P/OCF	20.59
P/B	0.72
P/tB	0.73
EV/EBITDA	N/A

EPS(TTM)3.39

EY19.65%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.84

FCFY4.86%

OCF(TTM)0.84

OCFY4.86%

SpS8.69

BVpS24.02

TBVpS23.74

PEG (NY)N/A

PEG (5Y)0.25

Profitability

		Industry Rank	Sector Rank
ROA	4.41%
ROE	14.85%
ROCE	5.82%
ROIC	4.96%
ROICexc	5.03%
ROICexgc	7.95%
OM	54.15%
PM (TTM)	41.06%
GM	N/A
FCFM	9.64%

ROA(3y)2.6%

ROA(5y)2.8%

ROE(3y)8.85%

ROE(5y)9.91%

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 3Y41.38%

ROICexcg growth 5YN/A

ROICexc growth 3Y41.51%

ROICexc growth 5YN/A

OM growth 3Y13.12%

OM growth 5YN/A

PM growth 3Y-12.84%

PM growth 5Y0.82%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.11

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	2.07
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	70.5
Cash Conversion	N/A
Profit Quality	23.48%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

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)4.31%

EPS 3Y14.91%

EPS 5Y20.39%

EPS Q2Q%64.52%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.7%

Revenue growth 3Y27.55%

Revenue growth 5Y15.53%

Sales Q2Q%27.36%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-1.66%

EBIT growth 3Y44.29%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-43.26%

FCF growth 3Y9.7%

FCF growth 5Y1.99%

OCF growth 1Y-43.26%

OCF growth 3Y9.7%

OCF growth 5Y1.99%

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

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