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

TSX:ELF-PR-H • CA26857Q5077

Current stock price

23.85 CAD
0 (0%)
Last:

This ELF-PR-H.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ELF-PR-H.CA Profitability Analysis

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.
  • 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 2025 0 500M -500M 1B 1.5B 2B

1.2 Ratios

  • The Return On Assets of ELF-PR-H (4.12%) is better than 79.75% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.52%, ELF-PR-H is in the better half of the industry, outperforming 68.35% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 4.74%, ELF-PR-H is doing good in the industry, outperforming 78.48% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for ELF-PR-H is in line with the industry average of 3.17%.
Industry RankSector Rank
ROA 4.12%
ROE 13.52%
ROIC 4.74%
ROA(3y)4.43%
ROA(5y)3.23%
ROE(3y)15%
ROE(5y)11.08%
ROIC(3y)5.12%
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 2025 0 5 -5 10 15

1.3 Margins

  • With an excellent Profit Margin value of 39.12%, 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 improved in the last couple of years.
  • The Operating Margin of ELF-PR-H (52.96%) is better than 96.20% of its industry peers.
Industry RankSector Rank
OM 52.96%
PM (TTM) 39.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y5.28%
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 2025 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. ELF-PR-H.CA Health Analysis

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.
ELF-PR-H.CA Yearly Shares OutstandingELF-PR-H.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • ELF-PR-H has a debt to FCF ratio of 1.68. This is a very positive value and a sign of high solvency as it would only need 1.68 years to pay back of all of its debts.
  • ELF-PR-H has a better Debt to FCF ratio (1.68) than 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.
  • The Debt to Equity ratio of ELF-PR-H (0.07) is better than 92.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.68
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 2025 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 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. ELF-PR-H.CA Growth Analysis

3.1 Past

  • The earnings per share for ELF-PR-H have decreased strongly by -18.78% 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 24.47% on average per year.
  • Looking at the last year, ELF-PR-H shows a decrease in Revenue. The Revenue has decreased by -7.96% in the last year.
  • ELF-PR-H shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.52% yearly.
EPS 1Y (TTM)-18.78%
EPS 3YN/A
EPS 5Y24.47%
EPS Q2Q%-23.75%
Revenue 1Y (TTM)-7.96%
Revenue growth 3Y76.97%
Revenue growth 5Y14.52%
Sales Q2Q%-4.09%

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 2025 1B 2B 3B

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2

4. ELF-PR-H.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.93, the valuation of ELF-PR-H can be described as very cheap.
  • Based on the Price/Earnings ratio, ELF-PR-H is valued a bit more expensive than 64.56% of the companies in the same industry.
  • ELF-PR-H's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.78.
Industry RankSector Rank
PE 6.93
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

  • 78.48% of the companies in the same industry are cheaper than ELF-PR-H, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 23.09
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)0.28
EPS Next 2YN/A
EPS Next 3YN/A

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

3

5. ELF-PR-H.CA Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.96%, ELF-PR-H is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.96, ELF-PR-H pays less dividend than the industry average, which is at 3.73. 92.41% of the companies listed in the same industry pay a better dividend than ELF-PR-H!
  • With a Dividend Yield of 0.96, ELF-PR-H pays less dividend than the S&P500 average, which is at 1.83.
Industry RankSector Rank
Dividend Yield 0.96%

5.2 History

  • The dividend of ELF-PR-H decreases each year by -44.86%.
  • 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)-44.86%
Div Incr Years0
Div Non Decr Years13
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 47.71% of the earnings are spent on dividend by ELF-PR-H. This is a bit on the high side, but may be sustainable.
DP47.71%
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 2025 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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ELF-PR-H.CA Fundamentals: All Metrics, Ratios and Statistics

E-L FINANCIAL - ELFCN 5 1/2 PERP

TSX:ELF-PR-H (4/10/2026, 7:00:00 PM)

23.85

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05
Earnings (Next)05-05
Inst Owners14.83%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap8.25B
Revenue(TTM)3.15B
Net Income(TTM)1.23B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.96%
Yearly Dividend1.7
Dividend Growth(5Y)-44.86%
DP47.71%
Div Incr Years0
Div Non Decr Years13
Ex-Date03-31
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 6.93
Fwd PE N/A
P/S 2.62
P/FCF 23.09
P/OCF 23.09
P/B 0.9
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)3.44
EY14.42%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.03
FCFY4.33%
OCF(TTM)1.03
OCFY4.33%
SpS9.11
BVpS26.36
TBVpS26.03
PEG (NY)N/A
PEG (5Y)0.28
Graham Number45.17
Profitability
Industry RankSector Rank
ROA 4.12%
ROE 13.52%
ROCE 5.61%
ROIC 4.74%
ROICexc 4.83%
ROICexgc 7.64%
OM 52.96%
PM (TTM) 39.12%
GM N/A
FCFM 11.34%
ROA(3y)4.43%
ROA(5y)3.23%
ROE(3y)15%
ROE(5y)11.08%
ROIC(3y)5.12%
ROIC(5y)N/A
ROICexc(3y)5.2%
ROICexc(5y)N/A
ROICexgc(3y)8.17%
ROICexgc(5y)N/A
ROCE(3y)6.06%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y5.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.68
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 72.23
Cash Conversion N/A
Profit Quality 28.98%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
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)45.75%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-18.78%
EPS 3YN/A
EPS 5Y24.47%
EPS Q2Q%-23.75%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.96%
Revenue growth 3Y76.97%
Revenue growth 5Y14.52%
Sales Q2Q%-4.09%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-20.3%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-22.22%
FCF growth 3Y3.65%
FCF growth 5Y1.67%
OCF growth 1Y-22.22%
OCF growth 3Y3.65%
OCF growth 5Y1.67%

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


How profitable is E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) stock?

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


What are the PE and PB ratios of E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) stock?

The Price/Earnings (PE) ratio for E-L FINANCIAL - ELFCN 5 1/2 PERP (ELF-PR-H.CA) is 6.93 and the Price/Book (PB) ratio is 0.9.