E-L FINANCIAL CORP LTD (ELF.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:ELF - CA2685751075 - Common Stock
16.59 CAD
+0.07 (+0.42%)
We assign a fundamental rating of 5 out of 10 to ELF. ELF was compared to 82 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 has a expensive valuation and it also scores bad on growth.
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
ELF has a better Return On Assets (4.45%) than 86.59% of its industry peers.
ELF has a Return On Equity of 14.73%. This is amongst the best in the industry. ELF outperforms 81.71% 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 80.49% of the companies in the same industry.
| 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
ELF has a Profit Margin of 41.08%. This is amongst the best in the industry. ELF outperforms 100.00% of its industry peers.
ELF's Profit Margin has been stable in the last couple of years.
ELF has a Operating Margin of 54.60%. This is amongst the best in the industry. ELF outperforms 100.00% of its industry peers.
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
Compared to 1 year ago, ELF has about the same amount of shares outstanding.
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.
2.2 Solvency
The Debt to FCF ratio of ELF is 1.67, which is an excellent value as it means it would take ELF, only 1.67 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ELF (1.67) is better than 69.51% 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 97.56% of its industry peers.
| 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.
The Revenue for ELF has decreased by -13.20% in the past year. This is quite bad
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.
4. Valuation
4.1 Price/Earnings Ratio
ELF is valuated cheaply with a Price/Earnings ratio of 4.57.
68.29% of the companies in the same industry are more expensive than ELF, based on the Price/Earnings ratio.
ELF is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.57 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ELF indicates a rather expensive valuation: ELF more expensive than 90.24% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.96 | ||
| 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)0.22
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.50%, ELF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.30, ELF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, ELF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.5% |
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
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
TSX:ELF (12/11/2025, 7:00:00 PM)
16.59
+0.07 (+0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners14.99%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.74B
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 | 5.5% |
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 | 4.57 | ||
| Fwd PE | N/A | ||
| P/S | 1.8 | ||
| P/FCF | 15.96 | ||
| P/OCF | 15.96 | ||
| P/B | 0.65 | ||
| P/tB | 0.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.63
EY21.88%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY6.26%
OCF(TTM)1.04
OCFY6.26%
SpS9.2
BVpS25.64
TBVpS25.37
PEG (NY)N/A
PEG (5Y)0.22
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 5 / 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 7 / 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%.