E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:ELF-PR-H - CA26857Q5077
24.72 CAD
+0.16 (+0.65%)
Overall ELF-PR-H gets a fundamental rating of 4 out of 10. We evaluated ELF-PR-H against 81 industry peers in the Insurance industry. ELF-PR-H has an average financial health and profitability rating. ELF-PR-H has a expensive valuation and it also scores bad on growth. Finally ELF-PR-H also has an excellent dividend rating.
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.
Of the past 5 years ELF-PR-H 4 years were profitable.
In the past 5 years ELF-PR-H always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of ELF-PR-H (4.45%) is better than 82.72% of its industry peers.
With a decent Return On Equity value of 14.73%, ELF-PR-H is doing good in the industry, outperforming 79.01% of the companies in the same industry.
The Return On Invested Capital of ELF-PR-H (5.05%) is better than 75.31% 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
With an excellent Profit Margin value of 41.08%, ELF-PR-H belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
In the last couple of years the Profit Margin of ELF-PR-H has remained more or less at the same level.
ELF-PR-H has a Operating Margin of 54.60%. This is amongst the best in the industry. ELF-PR-H outperforms 96.30% of its industry peers.
In the last couple of years the Operating Margin of ELF-PR-H 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
ELF-PR-H has about the same amout of shares outstanding than it did 1 year ago.
ELF-PR-H has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ELF-PR-H has been reduced compared to a year ago.
2.2 Solvency
ELF-PR-H 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.
With a decent Debt to FCF ratio value of 1.67, ELF-PR-H is doing good in the industry, outperforming 65.43% of the companies in the same industry.
ELF-PR-H has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
ELF-PR-H has a Debt to Equity ratio of 0.07. This is amongst the best in the industry. ELF-PR-H outperforms 93.83% 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
The earnings per share for ELF-PR-H have decreased strongly by -24.08% in the last year.
ELF-PR-H shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.39% yearly.
The Revenue for ELF-PR-H has decreased by -13.20% in the past year. This is quite bad
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
ELF-PR-H is valuated cheaply with a Price/Earnings ratio of 6.81.
Based on the Price/Earnings ratio, ELF-PR-H is valued a bit more expensive than 71.60% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.41. ELF-PR-H is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.81 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ELF-PR-H is valued expensively inside the industry as 95.06% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.79 | ||
| EV/EBITDA | N/A |
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
5. Dividend
5.1 Amount
ELF-PR-H has a Yearly Dividend Yield of 5.49%, which is a nice return.
ELF-PR-H's Dividend Yield is a higher than the industry average which is at 4.32.
Compared to an average S&P500 Dividend Yield of 2.32, ELF-PR-H pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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
5.3 Sustainability
44.97% of the earnings are spent on dividend by ELF-PR-H. 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 5 1/2 PERP
TSX:ELF-PR-H (12/4/2025, 7:00:00 PM)
24.72
+0.16 (+0.65%)
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 Cap8.56B
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 Years12
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 | 6.81 | ||
| Fwd PE | N/A | ||
| P/S | 2.69 | ||
| P/FCF | 23.79 | ||
| P/OCF | 23.79 | ||
| P/B | 0.96 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.63
EY14.68%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY4.2%
OCF(TTM)1.04
OCFY4.2%
SpS9.19
BVpS25.64
TBVpS25.37
PEG (NY)N/A
PEG (5Y)0.33
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 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.
Can you provide the valuation status for E-L FINANCIAL - ELFCN 5 1/2 PERP?
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.
What is the financial health of E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) stock?
The financial health rating of E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) is 4 / 10.