E-L FINANCIAL CORP LTD (ELF.CA) Stock Fundamental Analysis
Canada - TSX:ELF - CA2685751075 - Common Stock
16.9 CAD
-0.14 (-0.82%)
We assign a fundamental rating of 4 out of 10 to ELF. ELF was compared to 80 industry peers in the Insurance industry. ELF has an average financial health and profitability rating. 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.
ELF had a positive operating cash flow in the past year.
ELF had positive earnings in 4 of the past 5 years.
ELF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ELF's Return On Assets of 4.41% is amongst the best of the industry. ELF outperforms 82.50% of its industry peers.
The Return On Equity of ELF (14.85%) is better than 83.75% of its industry peers.
The Return On Invested Capital of ELF (4.96%) is better than 80.00% 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 (41.05%) 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.
The Operating Margin of ELF (54.17%) is better than 100.00% of its industry peers.
In the last couple of years the Operating Margin of ELF has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 54.17% | ||
| PM (TTM) | 41.05% | ||
| 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.
ELF has less shares outstanding than it did 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 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 of 2.07. This is in the better half of the industry: ELF outperforms 70.00% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that ELF is not too dependend on debt financing.
ELF has a better Debt to Equity ratio (0.07) than 97.50% 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 |
3. Growth
3.1 Past
ELF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.95%.
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.
Looking at the last year, ELF shows a small growth in Revenue. The Revenue has grown by 3.70% in the last year.
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)3.95%
EPS 3Y14.91%
EPS 5Y20.39%
EPS Q2Q%61.9%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 4.99, which indicates a rather cheap valuation of ELF.
ELF's Price/Earnings ratio is a bit cheaper when compared to the industry. ELF is cheaper than 67.50% of the companies in the same industry.
ELF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.56.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.99 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ELF is valued expensively inside the industry as 88.75% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.16 | ||
| 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)0.24
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.48%, ELF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.58, ELF pays a better dividend. On top of this ELF pays more dividend than 90.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, ELF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.48% |
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
47.56% of the earnings are spent on dividend by ELF. This is a bit on the high side, but may be sustainable.
DP47.56%
EPS Next 2YN/A
EPS Next 3YN/A
TSX:ELF (11/17/2025, 7:00:00 PM)
16.9
-0.14 (-0.82%)
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 Cap5.85B
Revenue(TTM)3.01B
Net Income(TTM)1.23B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.48% |
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP47.56%
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 | 4.99 | ||
| Fwd PE | N/A | ||
| P/S | 1.95 | ||
| P/FCF | 20.16 | ||
| P/OCF | 20.16 | ||
| P/B | 0.7 | ||
| P/tB | 0.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.39
EY20.06%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.84
FCFY4.96%
OCF(TTM)0.84
OCFY4.96%
SpS8.69
BVpS24.02
TBVpS23.74
PEG (NY)N/A
PEG (5Y)0.24
Graham Number42.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.41% | ||
| ROE | 14.85% | ||
| ROCE | 5.82% | ||
| ROIC | 4.96% | ||
| ROICexc | 5.03% | ||
| ROICexgc | 7.95% | ||
| OM | 54.17% | ||
| PM (TTM) | 41.05% | ||
| GM | N/A | ||
| FCFM | 9.65% |
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 | 2.07 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 70.25 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 23.51% | ||
| 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)3.95%
EPS 3Y14.91%
EPS 5Y20.39%
EPS Q2Q%61.9%
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-1.62%
EBIT growth 3Y44.29%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.22%
FCF growth 3Y9.7%
FCF growth 5Y1.99%
OCF growth 1Y-43.22%
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 6 / 10 and the dividend payout ratio is 47.56%.