E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) Fundamental Analysis & Valuation

TSX:ELF-PR-F • CA26857Q3098

Current stock price

23.29 CAD
-0.06 (-0.26%)
Last:

This ELF-PR-F.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ELF-PR-F.CA Profitability Analysis

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.
ELF-PR-F.CA Yearly Net Income VS EBIT VS OCF VS FCFELF-PR-F.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B 2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 4.45%, ELF-PR-F belongs to the top of the industry, outperforming 82.50% of the companies in the same industry.
  • ELF-PR-F has a better Return On Equity (14.73%) than 80.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.05%, ELF-PR-F is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
Industry RankSector 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
ELF-PR-F.CA Yearly ROA, ROE, ROICELF-PR-F.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

  • The Profit Margin of ELF-PR-F (41.08%) is better than 97.50% 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.
  • ELF-PR-F has a Operating Margin of 54.60%. This is amongst the best in the industry. ELF-PR-F outperforms 97.50% of its industry peers.
  • ELF-PR-F's Operating Margin has improved in the last couple of years.
Industry RankSector 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
ELF-PR-F.CA Yearly Profit, Operating, Gross MarginsELF-PR-F.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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4

2. ELF-PR-F.CA Health Analysis

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.
  • ELF-PR-F has a better debt/assets ratio than last year.
ELF-PR-F.CA Yearly Shares OutstandingELF-PR-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
ELF-PR-F.CA Yearly Total Debt VS Total AssetsELF-PR-F.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

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.
  • ELF-PR-F's Debt to FCF ratio of 1.67 is fine compared to the rest of the industry. ELF-PR-F outperforms 65.00% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that ELF-PR-F is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.07, ELF-PR-F belongs to the best of the industry, outperforming 93.75% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.67
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ELF-PR-F.CA Yearly LT Debt VS Equity VS FCFELF-PR-F.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ELF-PR-F.CA Yearly Current Assets VS Current LiabilitesELF-PR-F.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. ELF-PR-F.CA Growth Analysis

3.1 Past

  • ELF-PR-F shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.08%.
  • 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.
ELF-PR-F.CA Yearly Revenue VS EstimatesELF-PR-F.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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2

4. ELF-PR-F.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.42, the valuation of ELF-PR-F can be described as very cheap.
  • Based on the Price/Earnings ratio, ELF-PR-F is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 25.70, ELF-PR-F is valued rather cheaply.
Industry RankSector Rank
PE 6.42
Fwd PE N/A
ELF-PR-F.CA Price Earnings VS Forward Price EarningsELF-PR-F.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • 76.25% of the companies in the same industry are cheaper than ELF-PR-F, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 22.41
EV/EBITDA N/A
ELF-PR-F.CA Per share dataELF-PR-F.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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)0.31
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. ELF-PR-F.CA Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.99%, ELF-PR-F is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 3.81, ELF-PR-F'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-PR-F!
  • With a Dividend Yield of 0.99, ELF-PR-F pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.99%

5.2 History

  • The dividend of ELF-PR-F decreases each year by -38.31%.
  • ELF-PR-F has paid a dividend for at least 10 years, which is 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
ELF-PR-F.CA Yearly Dividends per shareELF-PR-F.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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
ELF-PR-F.CA Yearly Income VS Free CF VS DividendELF-PR-F.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B
ELF-PR-F.CA Dividend Payout.ELF-PR-F.CA Dividend Payout, showing the Payout Ratio.ELF-PR-F.CA Dividend Payout.PayoutRetained Earnings

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ELF-PR-F.CA Fundamentals: All Metrics, Ratios and Statistics

E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP

TSX:ELF-PR-F (3/13/2026, 7:00:00 PM)

23.29

-0.06 (-0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05
Earnings (Next)05-05
Inst Owners14.81%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap8.06B
Revenue(TTM)3.18B
Net Income(TTM)1.31B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.99%
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP44.97%
Div Incr Years0
Div Non Decr Years20
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 RankSector Rank
PE 6.42
Fwd PE N/A
P/S 2.53
P/FCF 22.41
P/OCF 22.41
P/B 0.91
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)3.63
EY15.59%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY4.46%
OCF(TTM)1.04
OCFY4.46%
SpS9.2
BVpS25.64
TBVpS25.38
PEG (NY)N/A
PEG (5Y)0.31
Graham Number45.77
Profitability
Industry RankSector 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 RankSector 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 Fundamental Analysis 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 for ELF-PR-F 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.


How sustainable is the dividend of E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) stock?

The dividend rating of E-L FINANCIAL CORP LTD - ELFCN 5.3 PERP (ELF-PR-F.CA) is 3 / 10 and the dividend payout ratio is 44.97%.