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

TSX:ELF • CA2685751075

17.4 CAD
+0.32 (+1.87%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, ELF scores 4 out of 10 in our fundamental rating. ELF was compared to 78 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 valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year ELF was profitable.
  • ELF had a positive operating cash flow in the past year.
  • Of the past 5 years ELF 4 years were profitable.
  • ELF had a positive operating cash flow in each of the past 5 years.
ELF.CA Yearly Net Income VS EBIT VS OCF VS FCFELF.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B 2B

1.2 Ratios

  • ELF has a better Return On Assets (4.45%) than 85.90% of its industry peers.
  • ELF's Return On Equity of 14.73% is amongst the best of the industry. ELF outperforms 83.33% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.05%, ELF belongs to the top of the industry, outperforming 82.05% of the companies in the same industry.
Industry RankSector Rank
ROA 4.45%
ROE 14.73%
ROIC 5.05%
ROA(3y)2.6%
ROA(5y)2.8%
ROE(3y)8.85%
ROE(5y)9.91%
ROIC(3y)N/A
ROIC(5y)N/A
ELF.CA Yearly ROA, ROE, ROICELF.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

  • ELF's Profit Margin of 41.08% is amongst the best of the industry. ELF outperforms 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.
  • ELF has a better Operating Margin (54.60%) than 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of ELF has grown nicely.
Industry RankSector Rank
OM 54.6%
PM (TTM) 41.08%
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
ELF.CA Yearly Profit, Operating, Gross MarginsELF.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The number of shares outstanding for ELF remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for ELF has been reduced compared to 5 years ago.
  • ELF has a better debt/assets ratio than last year.
ELF.CA Yearly Shares OutstandingELF.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
ELF.CA Yearly Total Debt VS Total AssetsELF.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

  • ELF has a debt to FCF ratio of 1.67. This is a very positive value and a sign of high solvency as it would only need 1.67 years to pay back of all of its debts.
  • The Debt to FCF ratio of ELF (1.67) is better than 67.95% 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.
  • The Debt to Equity ratio of ELF (0.07) is better than 97.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.67
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ELF.CA Yearly LT Debt VS Equity VS FCFELF.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ELF.CA Yearly Current Assets VS Current LiabilitesELF.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • ELF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.08%.
  • The Earnings Per Share has been growing by 20.39% on average over the past years. This is a very strong growth
  • ELF shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.20%.
  • The Revenue has been growing by 15.53% on average over the past years. This is quite good.
EPS 1Y (TTM)-24.08%
EPS 3Y14.91%
EPS 5Y20.39%
EPS Q2Q%17.78%
Revenue 1Y (TTM)-13.2%
Revenue growth 3Y27.55%
Revenue growth 5Y15.53%
Sales Q2Q%17.95%

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.
ELF.CA Yearly Revenue VS EstimatesELF.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 4.79 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 66.67% of the companies listed in the same industry.
  • ELF is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.79
Fwd PE N/A
ELF.CA Price Earnings VS Forward Price EarningsELF.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • 73.08% of the companies in the same industry are cheaper than ELF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.74
EV/EBITDA N/A
ELF.CA Per share dataELF.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The decent profitability rating of ELF may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.24
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.94%, ELF is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.94, ELF pays less dividend than the industry average, which is at 3.92. 89.74% of the companies listed in the same industry pay a better dividend than ELF!
  • With a Dividend Yield of 0.94, ELF pays less dividend than the S&P500 average, which is at 1.84.
Industry RankSector Rank
Dividend Yield 0.94%

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.
  • The dividend of ELF decreased in the last 3 years.
Dividend Growth(5Y)-38.31%
Div Incr Years2
Div Non Decr Years2
ELF.CA Yearly Dividends per shareELF.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 44.97% of the earnings are spent on dividend by ELF. This is a bit on the high side, but may be sustainable.
DP44.97%
EPS Next 2YN/A
EPS Next 3YN/A
ELF.CA Yearly Income VS Free CF VS DividendELF.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B
ELF.CA Dividend Payout.ELF.CA Dividend Payout, showing the Payout Ratio.ELF.CA Dividend Payout.PayoutRetained Earnings

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E-L FINANCIAL CORP LTD

TSX:ELF (2/13/2026, 7:00:00 PM)

17.4

+0.32 (+1.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-10
Earnings (Next)03-05
Inst Owners14.98%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap6.02B
Revenue(TTM)3.18B
Net Income(TTM)1.31B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.94%
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP44.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-03
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 RankSector Rank
PE 4.79
Fwd PE N/A
P/S 1.89
P/FCF 16.74
P/OCF 16.74
P/B 0.68
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)3.63
EY20.86%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY5.97%
OCF(TTM)1.04
OCFY5.97%
SpS9.2
BVpS25.64
TBVpS25.38
PEG (NY)N/A
PEG (5Y)0.24
Graham Number45.77
Profitability
Industry RankSector Rank
ROA 4.45%
ROE 14.73%
ROCE 5.92%
ROIC 5.05%
ROICexc 5.12%
ROICexgc 8.07%
OM 54.6%
PM (TTM) 41.08%
GM N/A
FCFM 11.3%
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
ROICexgc growth 3Y41.38%
ROICexgc 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 RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.67
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 69.76
Cash Conversion N/A
Profit Quality 27.51%
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)-24.08%
EPS 3Y14.91%
EPS 5Y20.39%
EPS Q2Q%17.78%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.2%
Revenue growth 3Y27.55%
Revenue growth 5Y15.53%
Sales Q2Q%17.95%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-27.88%
EBIT growth 3Y44.29%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.56%
FCF growth 3Y9.7%
FCF growth 5Y1.99%
OCF growth 1Y-26.56%
OCF growth 3Y9.7%
OCF growth 5Y1.99%

E-L FINANCIAL CORP LTD / ELF.CA FAQ

What is the fundamental rating for ELF stock?

ChartMill assigns a fundamental rating of 4 / 10 to ELF.CA.


What is the valuation status of E-L FINANCIAL CORP LTD (ELF.CA) stock?

ChartMill assigns a valuation rating of 3 / 10 to E-L FINANCIAL CORP LTD (ELF.CA). This can be considered as Overvalued.


What is the profitability of ELF stock?

E-L FINANCIAL CORP LTD (ELF.CA) has a profitability rating of 7 / 10.


What are the PE and PB ratios of E-L FINANCIAL CORP LTD (ELF.CA) stock?

The Price/Earnings (PE) ratio for E-L FINANCIAL CORP LTD (ELF.CA) is 4.79 and the Price/Book (PB) ratio is 0.68.