ELF Fundamental Analysis - E-L FINANCIAL CORP LTD

Fundamental Rating

Overall ELF gets a fundamental rating of 4 out of 10. We evaluated ELF against 81 industry peers in the Insurance industry. ELF has only an average score on both its financial health and profitability. ELF does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

ELF had positive earnings in the past year.

In the past year ELF had a positive cash flow from operations.

ELF had positive earnings in 4 of the past 5 years.

In the past 5 years ELF always reported a positive cash flow from operatings.

1.2 Ratios

With an excellent Return On Assets value of 4.02%, ELF belongs to the best of the industry, outperforming 98.77% of the companies in the same industry.

Looking at the Return On Equity, with a value of 13.82%, ELF belongs to the top of the industry, outperforming 92.59% of the companies in the same industry.

Looking at the Return On Invested Capital, with a value of 4.54%, ELF is in the better half of the industry, outperforming 79.01% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	4.02%
ROE	13.82%
ROIC	4.54%

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 has a Profit Margin of 38.96%. This is amongst the best in the industry. ELF outperforms 100.00% of its industry peers.

ELF's Profit Margin has been stable in the last couple of years.

ELF's Operating Margin of 51.56% is amongst the best of the industry. ELF outperforms 100.00% of its industry peers.

ELF's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	51.56%
PM (TTM)	38.96%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for ELF remains at a similar level compared to 1 year ago.

ELF has less shares outstanding than it did 5 years ago.

ELF has a better debt/assets ratio than last year.

2.2 Solvency

ELF has a debt to FCF ratio of 1.48. This is a very positive value and a sign of high solvency as it would only need 1.48 years to pay back of all of its debts.

ELF has a Debt to FCF ratio of 1.48. This is in the better half of the industry: ELF outperforms 70.37% of its industry peers.

A Debt/Equity ratio of 0.08 indicates that ELF is not too dependend on debt financing.

ELF's Debt to Equity ratio of 0.08 is amongst the best of the industry. ELF outperforms 96.30% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	1.48
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for ELF have decreased by -3.86% in the last year.

Measured over the past years, ELF shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.39% on average per year.

ELF shows a small growth in Revenue. In the last year, the Revenue has grown by 0.43%.

The Revenue has been growing by 15.53% on average over the past years. This is quite good.

EPS 1Y (TTM)-3.86%

EPS 3Y14.91%

EPS 5Y20.39%

EPS Q2Q%-83.84%

Revenue 1Y (TTM)0.43%

Revenue growth 3Y27.55%

Revenue growth 5Y15.53%

Sales Q2Q%-56.82%

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.

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4. Valuation

4.1 Price/Earnings Ratio

ELF is valuated cheaply with a Price/Earnings ratio of 5.16.

The rest of the industry has a similar Price/Earnings ratio as ELF.

ELF is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	5.16
Fwd PE	N/A

4.2 Price Multiples

ELF's Price/Free Cash Flow ratio is rather expensive when compared to the industry. ELF is more expensive than 87.65% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	13.24
EV/EBITDA	N/A

4.3 Compensation for Growth

ELF has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.25

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ELF has a Yearly Dividend Yield of 5.72%, which is a nice return.

ELF's Dividend Yield is a higher than the industry average which is at 5.18.

ELF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	5.72%

5.2 History

The dividend of ELF decreases each year by -38.31%.

ELF has paid a dividend for at least 10 years, which is a reliable track record.

ELF has decreased its dividend in the last 3 years.

Dividend Growth(5Y)-38.31%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

ELF pays out 72.12% of its income as dividend. This is not a sustainable payout ratio.

DP72.12%

EPS Next 2YN/A

EPS Next 3YN/A

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E-L FINANCIAL CORP LTD

TSX:ELF (7/11/2025, 7:00:00 PM)

15.44

-0.21 (-1.34%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)05-07 2025-05-07

Earnings (Next)08-07 2025-08-07

Inst Owners16%

Inst Owner ChangeN/A

Ins Owners0.16%

Ins Owner ChangeN/A

Market Cap5.34B

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.72%

Yearly Dividend0.79

Dividend Growth(5Y)-38.31%

DP72.12%

Div Incr Years2

Div Non Decr Years2

Ex-Date06-30 2025-06-30 (0.04)

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	5.16
Fwd PE	N/A
P/S	1.89
P/FCF	13.24
P/OCF	13.24
P/B	0.67
P/tB	0.68
EV/EBITDA	N/A

EPS(TTM)2.99

EY19.37%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.17

FCFY7.55%

OCF(TTM)1.17

OCFY7.55%

SpS8.17

BVpS23.02

TBVpS22.74

PEG (NY)N/A

PEG (5Y)0.25

Profitability

		Industry Rank	Sector Rank
ROA	4.02%
ROE	13.82%
ROCE	5.32%
ROIC	4.54%
ROICexc	4.6%
ROICexgc	7.21%
OM	51.56%
PM (TTM)	38.96%
GM	N/A
FCFM	14.28%

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

ROICexcg growth 3Y41.38%

ROICexcg 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 Turnover0.1

Health

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	1.48
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	62.39
Cash Conversion	N/A
Profit Quality	36.64%
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)-3.86%

EPS 3Y14.91%

EPS 5Y20.39%

EPS Q2Q%-83.84%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.43%

Revenue growth 3Y27.55%

Revenue growth 5Y15.53%

Sales Q2Q%-56.82%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-9.13%

EBIT growth 3Y44.29%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-15.48%

FCF growth 3Y9.7%

FCF growth 5Y1.99%

OCF growth 1Y-15.48%

OCF growth 3Y9.7%

OCF growth 5Y1.99%

E-L FINANCIAL CORP LTD (ELF.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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