ELF Fundamental Analysis - E-L FINANCIAL CORP LTD

Fundamental Rating

ELF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. While ELF has a great profitability rating, there are some minor concerns on its financial health. ELF is valued expensive and it does not seem to be growing.

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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.

Each year in the past 5 years ELF had a positive operating cash flow.

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 has a Return On Equity of 14.73%. This is amongst the best in the industry. ELF outperforms 81.48% of its industry peers.

With an excellent Return On Invested Capital value of 5.05%, ELF belongs to the best of the industry, outperforming 80.25% 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'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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

ELF's Debt to FCF ratio of 1.67 is fine compared to the rest of the industry. ELF outperforms 69.14% 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.

ELF has a better Debt to Equity ratio (0.07) than 97.53% 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

ELF is valuated cheaply with a Price/Earnings ratio of 4.72.

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 27.19.

		Industry Rank	Sector Rank
PE	4.72
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ELF is valued a bit more expensive than 71.60% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	16.47
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

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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 3.60, ELF's dividend is way lower than its industry peers. On top of this 86.42% of the companies listed in the same industry pay a better dividend than ELF!

Compared to an average S&P500 Dividend Yield of 1.92, ELF's dividend is way lower than the S&P500 average.

		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

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

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E-L FINANCIAL CORP LTD

TSX:ELF (1/9/2026, 7:00:00 PM)

17.12

+0.52 (+3.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-10 2025-11-10

Earnings (Next)03-04 2026-03-04

Inst Owners14.98%

Inst Owner ChangeN/A

Ins Owners0.03%

Ins Owner ChangeN/A

Market Cap5.93B

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	0.96%

Yearly Dividend0.79

Dividend Growth(5Y)-38.31%

DP44.97%

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

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	4.72
Fwd PE	N/A
P/S	1.86
P/FCF	16.47
P/OCF	16.47
P/B	0.67
P/tB	0.67
EV/EBITDA	N/A

EPS(TTM)3.63

EY21.2%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.04

FCFY6.07%

OCF(TTM)1.04

OCFY6.07%

SpS9.2

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 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 4.72 and the Price/Book (PB) ratio is 0.67.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

E-L FINANCIAL CORP LTD / ELF.CA FAQ

What is the fundamental rating for ELF stock?

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

What is the profitability of ELF stock?

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