E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:ELF-PR-F - CA26857Q3098
23.89 CAD
-0.31 (-1.28%)
Overall ELF-PR-F gets a fundamental rating of 4 out of 10. We evaluated ELF-PR-F against 82 industry peers in the Insurance industry. ELF-PR-F has only an average score on both its financial health and profitability. ELF-PR-F is valued expensive and it does not seem to be growing. ELF-PR-F also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ELF-PR-F had positive earnings in the past year.
ELF-PR-F had a positive operating cash flow in the past year.
Of the past 5 years ELF-PR-F 4 years were profitable.
Each year in the past 5 years ELF-PR-F had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 4.45%, ELF-PR-F belongs to the best of the industry, outperforming 84.15% of the companies in the same industry.
With a decent Return On Equity value of 14.73%, ELF-PR-F is doing good in the industry, outperforming 79.27% of the companies in the same industry.
ELF-PR-F's Return On Invested Capital of 5.05% is fine compared to the rest of the industry. ELF-PR-F outperforms 78.05% 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
ELF-PR-F has a Profit Margin of 41.08%. This is amongst the best in the industry. ELF-PR-F outperforms 97.56% of its industry peers.
In the last couple of years the Profit Margin of ELF-PR-F has remained more or less at the same level.
Looking at the Operating Margin, with a value of 54.60%, ELF-PR-F belongs to the top of the industry, outperforming 97.56% of the companies in the same industry.
In the last couple of years the Operating Margin of ELF-PR-F has grown nicely.
| 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-PR-F has about the same amout of shares outstanding than it did 1 year ago.
ELF-PR-F has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ELF-PR-F has been reduced compared to a year ago.
2.2 Solvency
ELF-PR-F 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.
Looking at the Debt to FCF ratio, with a value of 1.67, ELF-PR-F is in the better half of the industry, outperforming 67.07% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that ELF-PR-F is not too dependend on debt financing.
ELF-PR-F has a better Debt to Equity ratio (0.07) than 95.12% 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-PR-F have decreased strongly by -24.08% in the last 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-PR-F shows a very negative growth in Revenue. The Revenue has decreased by -13.20% in the last year.
Measured over the past years, ELF-PR-F shows a quite strong growth in Revenue. The Revenue has been growing by 15.53% on average per year.
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 6.58 indicates a rather cheap valuation of ELF-PR-F.
Based on the Price/Earnings ratio, ELF-PR-F is valued a bit more expensive than the industry average as 69.51% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.49, ELF-PR-F is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.58 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ELF-PR-F is valued expensively inside the industry as 95.12% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.99 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of ELF-PR-F may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.32
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
ELF-PR-F has a Yearly Dividend Yield of 5.50%, which is a nice return.
ELF-PR-F's Dividend Yield is a higher than the industry average which is at 4.30.
Compared to an average S&P500 Dividend Yield of 2.31, ELF-PR-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.5% |
5.2 History
The dividend of ELF-PR-F decreases each year by -38.31%.
ELF-PR-F has been paying a dividend for at least 10 years, so it has a reliable track record.
ELF-PR-F has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-38.31%
Div Incr Years0
Div Non Decr Years20
5.3 Sustainability
ELF-PR-F 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
E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP
TSX:ELF-PR-F (12/5/2025, 7:00:00 PM)
23.89
-0.31 (-1.28%)
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 Cap8.27B
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 Years0
Div Non Decr Years20
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 | 6.58 | ||
| Fwd PE | N/A | ||
| P/S | 2.6 | ||
| P/FCF | 22.99 | ||
| P/OCF | 22.99 | ||
| P/B | 0.93 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.63
EY15.19%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY4.35%
OCF(TTM)1.04
OCFY4.35%
SpS9.2
BVpS25.64
TBVpS25.37
PEG (NY)N/A
PEG (5Y)0.32
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 - ELFCN 5.3 PERP / ELF-PR-F.CA FAQ
What is the ChartMill fundamental rating of E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to ELF-PR-F.CA.
What is the valuation status of E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) stock?
ChartMill assigns a valuation rating of 2 / 10 to E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA). This can be considered as Overvalued.
How profitable is E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) stock?
E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for ELF-PR-F stock?
The Price/Earnings (PE) ratio for E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) is 6.58 and the Price/Book (PB) ratio is 0.93.
Can you provide the dividend sustainability for ELF-PR-F stock?
The dividend rating of E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) is 7 / 10 and the dividend payout ratio is 44.97%.