E-L FINANCIAL CORP LTD (ELF.CA) Stock Fundamental Analysis
Canada - TSX:ELF - CA2685751075 - Common Stock
16.9 CAD
+0.19 (+1.14%)
We assign a fundamental rating of 4 out of 10 to ELF. ELF was compared to 80 industry peers in the Insurance industry. While ELF has a great profitability rating, there are quite some concerns on its financial health. ELF is valued expensive and it does not seem to be growing.
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.
In the past 5 years ELF always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 4.41%, ELF belongs to the best of the industry, outperforming 93.75% of the companies in the same industry.
Looking at the Return On Equity, with a value of 14.85%, ELF belongs to the top of the industry, outperforming 95.00% of the companies in the same industry.
ELF's Return On Invested Capital of 4.96% is amongst the best of the industry. ELF outperforms 82.50% 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
ELF's Profit Margin of 41.06% is amongst the best of the industry. ELF outperforms 100.00% of its industry peers.
ELF's Profit Margin has been stable in the last couple of years.
The Operating Margin of ELF (54.15%) is better than 100.00% of its industry peers.
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
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.
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 2.07. This is a good value and a sign of high solvency as ELF would need 2.07 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.07, ELF perfoms like the industry average, outperforming 58.75% of the companies in the same industry.
ELF has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
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
The Earnings Per Share has been growing slightly by 4.31% over the past year.
The Earnings Per Share has been growing by 20.39% on average over the past years. This is a very strong growth
Looking at the last year, ELF shows a small growth in Revenue. The Revenue has grown by 3.70% 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)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.
4. Valuation
4.1 Price/Earnings Ratio
ELF is valuated cheaply with a Price/Earnings ratio of 4.99.
66.25% of the companies in the same industry are more expensive than ELF, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ELF to the average of the S&P500 Index (26.06), we can say ELF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.99 | ||
| Fwd PE | N/A |
4.2 Price Multiples
91.25% of the companies in the same industry are cheaper than ELF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.17 | ||
| 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 of 0.96%, ELF is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.67, ELF's dividend is way lower than its industry peers. On top of this 91.25% of the companies listed in the same industry pay a better dividend than ELF!
With a Dividend Yield of 0.96, ELF pays less dividend than the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.96% |
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
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
TSX:ELF (11/7/2025, 7:00:00 PM)
16.9
+0.19 (+1.14%)
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 | 0.96% |
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP47.51%
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 | 20.17 | ||
| P/OCF | 20.17 | ||
| 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 | 54.15% | ||
| 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
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 | 70.5 | ||
| 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 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 7 / 10.
How financially healthy is E-L FINANCIAL CORP LTD?
The financial health rating of E-L FINANCIAL CORP LTD (ELF.CA) is 3 / 10.
Is the dividend of E-L FINANCIAL CORP LTD sustainable?
The dividend rating of E-L FINANCIAL CORP LTD (ELF.CA) is 2 / 10 and the dividend payout ratio is 47.51%.