E-L FINANCIAL - ELFCN 4 3/4 PERP (ELF-PR-G.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:ELF-PR-G - CA26857Q4088
21.51 CAD
-0.08 (-0.37%)
ELF-PR-G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. ELF-PR-G has an average financial health and profitability rating. ELF-PR-G has a expensive valuation and it also scores bad on growth.
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.
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 85.37% of its industry peers.
With an excellent Return On Equity value of 14.73%, ELF-PR-G belongs to the best of the industry, outperforming 80.49% 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 79.27% 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
Looking at the Profit Margin, with a value of 41.08%, ELF-PR-G belongs to the top of the industry, outperforming 98.78% of the companies in the same industry.
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 98.78% of the companies in the same industry.
ELF-PR-G's Operating Margin has improved in the last couple of years.
| 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.
The number of shares outstanding for ELF-PR-G has been reduced compared to 5 years ago.
The debt/assets ratio for ELF-PR-G has been reduced compared to a year ago.
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.
With a decent Debt to FCF ratio value of 1.67, ELF-PR-G is doing good in the industry, outperforming 68.29% of the companies in the same industry.
ELF-PR-G has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of ELF-PR-G (0.07) is better than 96.34% 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
ELF-PR-G 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
ELF-PR-G shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.20%.
Measured over the past years, ELF-PR-G 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 5.93 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.
ELF-PR-G's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.61.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.93 | ||
| Fwd PE | N/A |
4.2 Price Multiples
ELF-PR-G's Price/Free Cash Flow ratio is rather expensive when compared to the industry. ELF-PR-G is more expensive than 92.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.7 | ||
| 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 of 0.96%, ELF-PR-G is not a good candidate for dividend investing.
With a Dividend Yield of 0.96, ELF-PR-G pays less dividend than the industry average, which is at 3.40. 89.02% 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 1.87.
| 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 been paying a dividend for at least 10 years, so it has 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
E-L FINANCIAL - ELFCN 4 3/4 PERP
TSX:ELF-PR-G (12/22/2025, 7:00:00 PM)
21.51
-0.08 (-0.37%)
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 Cap7.45B
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-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 | 5.93 | ||
| Fwd PE | N/A | ||
| P/S | 2.34 | ||
| P/FCF | 20.7 | ||
| P/OCF | 20.7 | ||
| P/B | 0.84 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.63
EY16.88%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY4.83%
OCF(TTM)1.04
OCFY4.83%
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.
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 3 / 10 and the dividend payout ratio is 44.97%.