ELF-PR-G Fundamental Analysis - E-L FINANCIAL - ELFCN 4 3/4 PERP

Fundamental Rating

ELF-PR-G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. While ELF-PR-G is still in line with the averages on profitability rating, there are concerns on its financial health. ELF-PR-G is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

ELF-PR-G had positive earnings in the past year.

ELF-PR-G had a positive operating cash flow in the past year.

Of the past 5 years ELF-PR-G 4 years were profitable.

ELF-PR-G had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With an excellent Return On Assets value of 4.41%, ELF-PR-G belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.

ELF-PR-G has a Return On Equity of 14.85%. This is amongst the best in the industry. ELF-PR-G outperforms 91.25% of its industry peers.

The Return On Invested Capital of ELF-PR-G (4.96%) is better than 78.75% 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-PR-G's Profit Margin of 41.06% is amongst the best of the industry. ELF-PR-G outperforms 98.75% of its industry peers.

In the last couple of years the Profit Margin of ELF-PR-G has remained more or less at the same level.

The Operating Margin of ELF-PR-G (54.15%) is better than 98.75% of its industry peers.

ELF-PR-G'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

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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-PR-G has about the same amount of shares outstanding.

The number of shares outstanding for ELF-PR-G has been reduced compared to 5 years ago.

Compared to 1 year ago, ELF-PR-G has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of ELF-PR-G is 2.07, which is a good value as it means it would take ELF-PR-G, 2.07 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 2.07, ELF-PR-G perfoms like the industry average, outperforming 56.25% of the companies in the same industry.

A Debt/Equity ratio of 0.07 indicates that ELF-PR-G is not too dependend on debt financing.

ELF-PR-G has a Debt to Equity ratio of 0.07. This is amongst the best in the industry. ELF-PR-G outperforms 95.00% 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

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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

ELF-PR-G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.31%.

The Earnings Per Share has been growing by 20.39% on average over the past years. This is a very strong growth

The Revenue has been growing slightly by 3.70% in the past year.

The Revenue has been growing by 15.53% on average over the past years. This is quite good.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.36, which indicates a rather cheap valuation of ELF-PR-G.

Compared to the rest of the industry, the Price/Earnings ratio of ELF-PR-G indicates a slightly more expensive valuation: ELF-PR-G is more expensive than 63.75% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of ELF-PR-G to the average of the S&P500 Index (27.38), we can say ELF-PR-G is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.36
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ELF-PR-G is valued expensively inside the industry as 95.00% of the companies are valued cheaper.

		Industry Rank	Sector Rank
P/FCF	25.72
EV/EBITDA	N/A

4.3 Compensation for Growth

The decent profitability rating of ELF-PR-G may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.31

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a yearly dividend of 0.93%, ELF-PR-G is not a good candidate for dividend investing.

With a Dividend Yield of 0.93, ELF-PR-G pays less dividend than the industry average, which is at 5.16. 93.75% of the companies listed in the same industry pay a better dividend than ELF-PR-G!

Compared to an average S&P500 Dividend Yield of 2.38, ELF-PR-G's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.93%

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

47.51% of the earnings are spent on dividend by ELF-PR-G. This is a bit on the high side, but may be sustainable.

DP47.51%

EPS Next 2YN/A

EPS Next 3YN/A

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E-L FINANCIAL - ELFCN 4 3/4 PERP

TSX:ELF-PR-G (9/19/2025, 7:00:00 PM)

21.55

-0.22 (-1.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)08-07 2025-08-07

Earnings (Next)11-06 2025-11-06

Inst Owners16%

Inst Owner ChangeN/A

Ins Owners0.16%

Ins Owner ChangeN/A

Market Cap7.46B

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.93%

Yearly Dividend0.79

Dividend Growth(5Y)-38.31%

DP47.51%

Div Incr Years0

Div Non Decr Years4

Ex-Date09-29 2025-09-29 (0.296875)

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	6.36
Fwd PE	N/A
P/S	2.48
P/FCF	25.72
P/OCF	25.72
P/B	0.9
P/tB	0.91
EV/EBITDA	N/A

EPS(TTM)3.39

EY15.73%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.84

FCFY3.89%

OCF(TTM)0.84

OCFY3.89%

SpS8.69

BVpS24.02

TBVpS23.74

PEG (NY)N/A

PEG (5Y)0.31

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

ROICexcg growth 3Y41.38%

ROICexcg 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 - ELFCN 4 3/4 PERP (ELF-PR-G.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