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%)
ELF-PR-H gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 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 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.
In the past year ELF-PR-H had a positive cash flow from operations.
Of the past 5 years ELF-PR-H 4 years were profitable.
ELF-PR-H had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 4.45%, ELF-PR-H belongs to the best of the industry, outperforming 82.72% of the companies in the same industry.
ELF-PR-H has a Return On Equity of 14.73%. This is in the better half of the industry: ELF-PR-H outperforms 79.01% of its industry peers.
ELF-PR-H has a better Return On Invested Capital (5.05%) 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
ELF-PR-H has a better Profit Margin (41.08%) than 96.30% 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.
ELF-PR-H has a better Operating Margin (54.60%) than 96.30% 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
Compared to 1 year ago, ELF-PR-H has about the same amount of shares outstanding.
ELF-PR-H has less shares outstanding than it did 5 years ago.
ELF-PR-H has a better debt/assets ratio than last year.
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 has a better Debt to FCF ratio (1.67) than 65.43% 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 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
ELF-PR-H 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
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.
Measured over the past years, ELF-PR-H 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
The Price/Earnings ratio is 6.81, which indicates a rather cheap valuation of ELF-PR-H.
71.60% of the companies in the same industry are cheaper than ELF-PR-H, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ELF-PR-H to the average of the S&P500 Index (26.46), we can say ELF-PR-H is valued rather cheaply.
| 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
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
5. Dividend
5.1 Amount
ELF-PR-H has a Yearly Dividend Yield of 5.49%, which is a nice return.
Compared to an average industry Dividend Yield of 4.32, ELF-PR-H pays a bit more dividend than its industry peers.
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 been paying a dividend for at least 10 years, so it has 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
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
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.