E-L FINANCIAL - ELFCN 4 3/4 PERP (ELF-PR-G.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:ELF-PR-G - CA26857Q4088
21.65 CAD
+0.05 (+0.23%)
We assign a fundamental rating of 4 out of 10 to ELF-PR-G. ELF-PR-G was compared to 80 industry peers in the Insurance industry. ELF-PR-G has only an average score on both its financial health and profitability. ELF-PR-G is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year ELF-PR-G was profitable.
In the past year ELF-PR-G had a positive cash flow from operations.
ELF-PR-G had positive earnings in 4 of the past 5 years.
ELF-PR-G had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ELF-PR-G's Return On Assets of 4.45% is amongst the best of the industry. ELF-PR-G outperforms 86.25% of its industry peers.
Looking at the Return On Equity, with a value of 14.73%, ELF-PR-G belongs to the top of the industry, outperforming 82.50% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.05%, ELF-PR-G is in the better half of the industry, outperforming 78.75% 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-PR-G's Profit Margin of 41.08% is amongst the best of the industry. ELF-PR-G outperforms 98.75% of its industry peers.
ELF-PR-G's Profit Margin has been stable in the last couple of years.
With an excellent Operating Margin value of 54.60%, ELF-PR-G belongs to the best of the industry, outperforming 98.75% of the companies in the same industry.
In the last couple of years the Operating Margin of ELF-PR-G 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
Compared to 1 year ago, ELF-PR-G has about the same amount of shares outstanding.
ELF-PR-G has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ELF-PR-G has been reduced compared to a year ago.
2.2 Solvency
ELF-PR-G 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.
The Debt to FCF ratio of ELF-PR-G (1.67) is better than 68.75% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that ELF-PR-G is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.07, ELF-PR-G belongs to the top of the industry, outperforming 96.25% of the companies in the same industry.
| 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
ELF-PR-G shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.08%.
ELF-PR-G shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.39% yearly.
ELF-PR-G 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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 5.96 indicates a rather cheap valuation of ELF-PR-G.
Based on the Price/Earnings ratio, ELF-PR-G is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of ELF-PR-G to the average of the S&P500 Index (26.31), we can say ELF-PR-G is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.96 | ||
| Fwd PE | N/A |
4.2 Price Multiples
90.00% of the companies in the same industry are cheaper than ELF-PR-G, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ELF-PR-G has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.49%, ELF-PR-G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.36, ELF-PR-G pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, ELF-PR-G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
5.2 History
The dividend of ELF-PR-G decreases each year by -38.31%.
ELF-PR-G has paid a dividend for at least 10 years, which is a reliable track record.
ELF-PR-G has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-38.31%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
ELF-PR-G 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 - ELFCN 4 3/4 PERP
TSX:ELF-PR-G (11/27/2025, 7:00:00 PM)
21.65
+0.05 (+0.23%)
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 Cap7.49B
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 | 5.49% |
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP44.97%
Div Incr Years0
Div Non Decr Years4
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 | 5.96 | ||
| Fwd PE | N/A | ||
| P/S | 2.35 | ||
| P/FCF | 20.84 | ||
| P/OCF | 20.84 | ||
| P/B | 0.84 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.63
EY16.77%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY4.8%
OCF(TTM)1.04
OCFY4.8%
SpS9.19
BVpS25.64
TBVpS25.37
PEG (NY)N/A
PEG (5Y)0.29
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 - ELFCN 4 3/4 PERP / ELF-PR-G.CA FAQ
What is the ChartMill fundamental rating of E-L FINANCIAL - ELFCN 4 3/4 PERP (ELF-PR-G.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to ELF-PR-G.CA.
What is the valuation status for ELF-PR-G stock?
ChartMill assigns a valuation rating of 2 / 10 to E-L FINANCIAL - ELFCN 4 3/4 PERP (ELF-PR-G.CA). This can be considered as Overvalued.
Can you provide the profitability details for E-L FINANCIAL - ELFCN 4 3/4 PERP?
E-L FINANCIAL - ELFCN 4 3/4 PERP (ELF-PR-G.CA) has a profitability rating of 6 / 10.
Is the dividend of E-L FINANCIAL - ELFCN 4 3/4 PERP sustainable?
The dividend rating of E-L FINANCIAL - ELFCN 4 3/4 PERP (ELF-PR-G.CA) is 6 / 10 and the dividend payout ratio is 44.97%.