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

Fundamental Rating

Overall ELF-PR-G gets a fundamental rating of 4 out of 10. We evaluated ELF-PR-G against 81 industry peers in the Insurance industry. While ELF-PR-G belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. ELF-PR-G has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

ELF-PR-G had positive earnings in the past year.
In the past year ELF-PR-G had a positive cash flow from operations.
Of the past 5 years ELF-PR-G 4 years were profitable.
Each year in the past 5 years ELF-PR-G had a positive operating cash flow.

1.2 Ratios

ELF-PR-G has a better Return On Assets (4.45%) than 85.19% of its industry peers.
The Return On Equity of ELF-PR-G (14.73%) is better than 82.72% of its industry peers.
ELF-PR-G has a better Return On Invested Capital (5.05%) than 81.48% 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-G has a better Profit Margin (41.08%) than 98.77% of its industry peers.
ELF-PR-G's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 54.60%, ELF-PR-G belongs to the top of the industry, outperforming 98.77% 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

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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.
Compared to 5 years ago, ELF-PR-G has less shares outstanding
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 1.67, which is an excellent value as it means it would take ELF-PR-G, only 1.67 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.67, ELF-PR-G is in the better half of the industry, outperforming 67.90% 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's Debt to Equity ratio of 0.07 is amongst the best of the industry. ELF-PR-G outperforms 96.30% 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

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 5.87 indicates a rather cheap valuation of ELF-PR-G.
Compared to the rest of the industry, the Price/Earnings ratio of ELF-PR-G is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.54, ELF-PR-G is valued rather cheaply.

		Industry Rank	Sector Rank
PE	5.87
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ELF-PR-G indicates a slightly more expensive valuation: ELF-PR-G is more expensive than 72.84% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	20.5
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

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5. Dividend

5.1 Amount

With a yearly dividend of 0.96%, ELF-PR-G is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.60, ELF-PR-G's dividend is way lower than its industry peers. On top of this 90.12% of the companies listed in the same industry pay a better dividend than ELF-PR-G!
With a Dividend Yield of 0.96, ELF-PR-G pays less dividend than the S&P500 average, which is at 1.92.

		Industry Rank	Sector Rank
Dividend Yield	0.96%

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

44.97% of the earnings are spent on dividend by ELF-PR-G. 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 - ELFCN 4 3/4 PERP

TSX:ELF-PR-G (1/15/2026, 7:00:00 PM)

21.3

0 (0%)

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 Cap7.37B

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 Years0

Div Non Decr Years4

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	5.87
Fwd PE	N/A
P/S	2.32
P/FCF	20.5
P/OCF	20.5
P/B	0.83
P/tB	0.84
EV/EBITDA	N/A

EPS(TTM)3.63

EY17.04%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.04

FCFY4.88%

OCF(TTM)1.04

OCFY4.88%

SpS9.2

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.

Can you provide the valuation status for E-L FINANCIAL - ELFCN 4 3/4 PERP?

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 7 / 10.

Can you provide the PE and PB ratios for ELF-PR-G stock?

The Price/Earnings (PE) ratio for E-L FINANCIAL - ELFCN 4 3/4 PERP (ELF-PR-G.CA) is 5.87 and the Price/Book (PB) ratio is 0.83.

How financially healthy is E-L FINANCIAL - ELFCN 4 3/4 PERP?

The financial health rating of E-L FINANCIAL - ELFCN 4 3/4 PERP (ELF-PR-G.CA) is 4 / 10.

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

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?

Can you provide the valuation status for E-L FINANCIAL - ELFCN 4 3/4 PERP?

Can you provide the profitability details for E-L FINANCIAL - ELFCN 4 3/4 PERP?

Can you provide the PE and PB ratios for ELF-PR-G stock?

How financially healthy is E-L FINANCIAL - ELFCN 4 3/4 PERP?