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

TSX:ELF-PR-H • CA26857Q5077

24.3 CAD
+0.05 (+0.21%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

ELF-PR-H gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 78 industry peers in the Insurance industry. Both the profitability and the financial health of ELF-PR-H get a neutral evaluation. Nothing too spectacular is happening here. ELF-PR-H is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year ELF-PR-H was profitable.
  • In the past year ELF-PR-H had a positive cash flow from operations.
  • ELF-PR-H had positive earnings in 4 of the past 5 years.
  • In the past 5 years ELF-PR-H always reported a positive cash flow from operatings.
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 better Return On Assets (4.45%) than 82.05% of its industry peers.
  • The Return On Equity of ELF-PR-H (14.73%) is better than 79.49% of its industry peers.
  • ELF-PR-H has a better Return On Invested Capital (5.05%) than 78.21% of its industry peers.
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

  • The Profit Margin of ELF-PR-H (41.08%) is better than 96.15% of its industry peers.
  • In the last couple of years the Profit Margin of ELF-PR-H has remained more or less at the same level.
  • Looking at the Operating Margin, with a value of 54.60%, ELF-PR-H belongs to the top of the industry, outperforming 96.15% of the companies in the same industry.
  • ELF-PR-H's Operating Margin has improved in the last couple of years.
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.
  • The number of shares outstanding for ELF-PR-H has been reduced compared to 5 years ago.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 1.67, ELF-PR-H is in the better half of the industry, outperforming 64.10% 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's Debt to Equity ratio of 0.07 is amongst the best of the industry. ELF-PR-H outperforms 93.59% 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.
  • 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.
  • 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

  • ELF-PR-H is valuated cheaply with a Price/Earnings ratio of 6.69.
  • ELF-PR-H's Price/Earnings ratio is a bit more expensive when compared to the industry. ELF-PR-H is more expensive than 65.38% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.68. ELF-PR-H is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.69
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 78.21% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.38
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

  • ELF-PR-H has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.33
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

3

5. Dividend

5.1 Amount

  • ELF-PR-H has a yearly dividend return of 0.94%, which is pretty low.
  • With a Dividend Yield of 0.94, ELF-PR-H pays less dividend than the industry average, which is at 3.92. 93.59% 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 1.84, ELF-PR-H's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.94%

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 their dividend for at least 10 years, which is a reliable track record.
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

  • 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
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

More info and screens

Find the best dividend stocksShow peers with best dividend

E-L FINANCIAL - ELFCN 5 1/2 PERP

TSX:ELF-PR-H (2/13/2026, 7:00:00 PM)

24.3

+0.05 (+0.21%)

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 Cap8.41B
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 0.94%
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 6.69
Fwd PE N/A
P/S 2.64
P/FCF 23.38
P/OCF 23.38
P/B 0.95
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)3.63
EY14.94%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY4.28%
OCF(TTM)1.04
OCFY4.28%
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.