E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:ELF-PR-H - CA26857Q5077
24.28 CAD
+0.19 (+0.79%)
Overall ELF-PR-H gets a fundamental rating of 4 out of 10. We evaluated ELF-PR-H against 80 industry peers in the Insurance industry. ELF-PR-H has only an average score on both its financial health and profitability. ELF-PR-H does not seem to be growing, but still is valued expensively.
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
- With an excellent Return On Assets value of 4.45%, ELF-PR-H belongs to the best of the industry, outperforming 82.50% of the companies in the same industry.
- The Return On Equity of ELF-PR-H (14.73%) is better than 80.00% of its industry peers.
- ELF-PR-H has a Return On Invested Capital of 5.05%. This is in the better half of the industry: ELF-PR-H outperforms 78.75% 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
- Looking at the Profit Margin, with a value of 41.08%, ELF-PR-H belongs to the top of the industry, outperforming 96.25% 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 96.25% of its industry peers.
- ELF-PR-H'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
- 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.
- Compared to 1 year ago, ELF-PR-H has an improved debt to assets ratio.
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.
- The Debt to FCF ratio of ELF-PR-H (1.67) is better than 65.00% 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 93.75% 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.
- ELF-PR-H 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 6.69, the valuation of ELF-PR-H can be described as very cheap.
- 63.75% of the companies in the same industry are cheaper than ELF-PR-H, based on the Price/Earnings ratio.
- ELF-PR-H's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.69 | ||
| Fwd PE | N/A |
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 76.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.36 | ||
| 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
- With a yearly dividend of 0.89%, ELF-PR-H is not a good candidate for dividend investing.
- With a Dividend Yield of 0.89, ELF-PR-H pays less dividend than the industry average, which is at 4.15. 92.50% of the companies listed in the same industry pay a better dividend than ELF-PR-H!
- Compared to an average S&P500 Dividend Yield of 1.82, ELF-PR-H's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
5.2 History
- The dividend of ELF-PR-H decreases each year by -38.31%.
- ELF-PR-H has been paying a dividend for at least 10 years, so it has 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
- 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
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.