E-L FINANCIAL CORP LTD (ELF.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:ELF - CA2685751075 - Common Stock
16.81 CAD
-0.06 (-0.36%)
Taking everything into account, ELF scores 4 out of 10 in our fundamental rating. ELF was compared to 81 industry peers in the Insurance industry. ELF has only an average score on both its financial health and profitability. ELF has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
ELF had positive earnings in the past year.
ELF had a positive operating cash flow in the past year.
Of the past 5 years ELF 4 years were profitable.
In the past 5 years ELF always reported a positive cash flow from operatings.
1.2 Ratios
ELF's Return On Assets of 4.45% is amongst the best of the industry. ELF outperforms 86.42% of its industry peers.
ELF's Return On Equity of 14.73% is amongst the best of the industry. ELF outperforms 82.72% of its industry peers.
ELF has a better Return On Invested Capital (5.05%) than 79.01% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Profit Margin value of 41.08%, ELF belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Profit Margin of ELF has remained more or less at the same level.
With an excellent Operating Margin value of 54.60%, ELF belongs to the best 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 | 54.6% | ||
| 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
2. Health
2.1 Basic Checks
ELF has about the same amout of shares outstanding than it did 1 year ago.
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
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.
With a decent Debt to FCF ratio value of 1.67, ELF is doing good in the industry, outperforming 69.14% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that ELF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.07, ELF belongs to the top of the industry, outperforming 97.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.67 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for ELF have decreased strongly by -24.08% in the last year.
ELF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.39% yearly.
Looking at the last year, ELF shows a very negative growth in Revenue. The Revenue has decreased by -13.20% in the last year.
ELF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.53% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 4.63 indicates a rather cheap valuation of ELF.
66.67% of the companies in the same industry are more expensive than ELF, based on the Price/Earnings ratio.
ELF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.63 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ELF is valued more expensive than 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ELF has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.49%, ELF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.32, ELF pays a bit more dividend than its industry peers.
ELF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
5.2 History
The dividend of ELF decreases each year by -38.31%.
ELF has been paying a dividend for at least 10 years, so it has 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
ELF pays out 44.97% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP44.97%
EPS Next 2YN/A
EPS Next 3YN/A
TSX:ELF (11/28/2025, 7:00:00 PM)
16.81
-0.06 (-0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners15.05%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap5.82B
Revenue(TTM)3.18B
Net Income(TTM)1.31B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP44.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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 | 4.63 | ||
| Fwd PE | N/A | ||
| P/S | 1.83 | ||
| P/FCF | 16.18 | ||
| P/OCF | 16.18 | ||
| P/B | 0.66 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.63
EY21.59%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY6.18%
OCF(TTM)1.04
OCFY6.18%
SpS9.19
BVpS25.64
TBVpS25.37
PEG (NY)N/A
PEG (5Y)0.23
Graham Number45.76
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 for ELF 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 6 / 10.
How financially healthy is E-L FINANCIAL CORP LTD?
The financial health rating of E-L FINANCIAL CORP LTD (ELF.CA) is 4 / 10.
Is the dividend of E-L FINANCIAL CORP LTD sustainable?
The dividend rating of E-L FINANCIAL CORP LTD (ELF.CA) is 5 / 10 and the dividend payout ratio is 44.97%.