E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) Stock Fundamental Analysis

TSX:ELF-PR-H • CA26857Q5077

24.34 CAD
0 (0%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, ELF-PR-H scores 4 out of 10 in our fundamental rating. ELF-PR-H was compared to 79 industry peers in the Insurance industry. ELF-PR-H has only an average score on both its financial health and profitability. ELF-PR-H has a expensive valuation and it also scores bad on growth. ELF-PR-H also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • ELF-PR-H had positive earnings in the past year.
  • ELF-PR-H had a positive operating cash flow in the past year.
  • ELF-PR-H had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years ELF-PR-H had a positive operating cash flow.
ELF-PR-H.CA Yearly Net Income VS EBIT VS OCF VS FCFELF-PR-H.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

  • ELF-PR-H has a Return On Assets of 4.45%. This is amongst the best in the industry. ELF-PR-H outperforms 83.54% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.73%, ELF-PR-H is in the better half of the industry, outperforming 79.75% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 5.05%, ELF-PR-H is in the better half of the industry, outperforming 78.48% 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-H.CA Yearly ROA, ROE, ROICELF-PR-H.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

  • With an excellent Profit Margin value of 41.08%, ELF-PR-H belongs to the best of the industry, outperforming 96.20% of the companies in the same industry.
  • ELF-PR-H's Profit Margin has been stable in the last couple of years.
  • ELF-PR-H has a Operating Margin of 54.60%. This is amongst the best in the industry. ELF-PR-H outperforms 96.20% of its industry peers.
  • In the last couple of years the Operating Margin of ELF-PR-H has grown nicely.
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-H.CA Yearly Profit, Operating, Gross MarginsELF-PR-H.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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, ELF-PR-H has about the same amount of shares outstanding.
  • Compared to 5 years ago, ELF-PR-H has less shares outstanding
  • ELF-PR-H has a better debt/assets ratio than last year.
ELF-PR-H.CA Yearly Shares OutstandingELF-PR-H.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
ELF-PR-H.CA Yearly Total Debt VS Total AssetsELF-PR-H.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

  • The Debt to FCF ratio of ELF-PR-H is 1.67, which is an excellent value as it means it would take ELF-PR-H, only 1.67 years of fcf income to pay off all of its debts.
  • ELF-PR-H's Debt to FCF ratio of 1.67 is fine compared to the rest of the industry. ELF-PR-H outperforms 64.56% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that ELF-PR-H is not too dependend on debt financing.
  • ELF-PR-H's Debt to Equity ratio of 0.07 is amongst the best of the industry. ELF-PR-H outperforms 93.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.67
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ELF-PR-H.CA Yearly LT Debt VS Equity VS FCFELF-PR-H.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-H.CA Yearly Current Assets VS Current LiabilitesELF-PR-H.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. Growth

3.1 Past

  • The earnings per share for ELF-PR-H have decreased strongly by -24.08% in the last year.
  • Measured over the past years, ELF-PR-H shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.39% on average per year.
  • Looking at the last year, ELF-PR-H shows a very negative growth in Revenue. The Revenue has decreased by -13.20% in the last year.
  • 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.
ELF-PR-H.CA Yearly Revenue VS EstimatesELF-PR-H.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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.71, which indicates a rather cheap valuation of ELF-PR-H.
  • Based on the Price/Earnings ratio, ELF-PR-H is valued a bit more expensive than the industry average as 64.56% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, ELF-PR-H is valued rather cheaply.
Industry RankSector Rank
PE 6.71
Fwd PE N/A
ELF-PR-H.CA Price Earnings VS Forward Price EarningsELF-PR-H.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • ELF-PR-H's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ELF-PR-H is more expensive than 78.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.42
EV/EBITDA N/A
ELF-PR-H.CA Per share dataELF-PR-H.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-H may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.33
EPS Next 2YN/A
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • ELF-PR-H has a Yearly Dividend Yield of 5.56%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.24, ELF-PR-H pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, ELF-PR-H pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.56%

5.2 History

  • The dividend of ELF-PR-H decreases each year by -38.31%.
  • ELF-PR-H has paid a dividend for at least 10 years, which is a reliable track record.
  • ELF-PR-H 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 Years12
ELF-PR-H.CA Yearly Dividends per shareELF-PR-H.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-H 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-H.CA Yearly Income VS Free CF VS DividendELF-PR-H.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-H.CA Dividend Payout.ELF-PR-H.CA Dividend Payout, showing the Payout Ratio.ELF-PR-H.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

E-L FINANCIAL - ELFCN 5 1/2 PERP

TSX:ELF-PR-H (2/20/2026, 7:00:00 PM)

24.34

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-10
Earnings (Next)03-05
Inst Owners14.98%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap8.42B
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 5.56%
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP44.97%
Div Incr Years0
Div Non Decr Years12
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 6.71
Fwd PE N/A
P/S 2.65
P/FCF 23.42
P/OCF 23.42
P/B 0.95
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)3.63
EY14.91%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY4.27%
OCF(TTM)1.04
OCFY4.27%
SpS9.2
BVpS25.64
TBVpS25.38
PEG (NY)N/A
PEG (5Y)0.33
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 - ELFCN 5 1/2 PERP / ELF-PR-H.CA FAQ

Can you provide the ChartMill fundamental rating for E-L FINANCIAL - ELFCN 5 1/2 PERP?

ChartMill assigns a fundamental rating of 4 / 10 to ELF-PR-H.CA.


What is the valuation status of E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) stock?

ChartMill assigns a valuation rating of 2 / 10 to E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA). This can be considered as Overvalued.


What is the profitability of ELF-PR-H stock?

E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) has a profitability rating of 6 / 10.


How financially healthy is E-L FINANCIAL - ELFCN 5 1/2 PERP?

The financial health rating of E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) is 4 / 10.