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 an average financial health and profitability rating. 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.

ELF had a positive operating cash flow in the past year.

Of the past 5 years ELF 4 years were profitable.

Each year in the past 5 years ELF had a positive operating cash flow.

1.2 Ratios

ELF has a better Return On Assets (4.45%) than 86.42% of its industry peers.

Looking at the Return On Equity, with a value of 14.73%, ELF belongs to the top of the industry, outperforming 82.72% of the companies in the same industry.

ELF's Return On Invested Capital of 5.05% is fine compared to the rest of the industry. ELF outperforms 79.01% 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 belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

In the last couple of years the Profit Margin of ELF has remained more or less at the same level.

ELF has a better Operating Margin (54.60%) than 100.00% of its industry peers.

ELF'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

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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.

Compared to 5 years ago, ELF has less shares outstanding

The debt/assets ratio for ELF has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of ELF is 1.67, which is an excellent value as it means it would take ELF, only 1.67 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 1.67, ELF is doing good in the industry, outperforming 69.14% of the companies in the same industry.

A Debt/Equity ratio of 0.07 indicates that ELF is not too dependend on debt financing.

ELF has a better Debt to Equity ratio (0.07) than 97.53% 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

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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

ELF 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

The Revenue for ELF has decreased by -13.20% in the past year. This is quite bad

Measured over the past years, ELF 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.

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4. Valuation

4.1 Price/Earnings Ratio

ELF is valuated cheaply with a Price/Earnings ratio of 4.61.

ELF's Price/Earnings ratio is a bit cheaper when compared to the industry. ELF is cheaper than 66.67% of the companies in the same industry.

When comparing the Price/Earnings ratio of ELF to the average of the S&P500 Index (26.11), we can say ELF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.61
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 88.89% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	16.11
EV/EBITDA	N/A

4.3 Compensation for Growth

The decent profitability rating of ELF may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.23

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.49%, ELF is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 4.32, ELF pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.32, ELF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.49%

5.2 History

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

ELF has been paying a dividend for at least 10 years, so it has 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 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

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E-L FINANCIAL CORP LTD

TSX:ELF (12/1/2025, 7:00:00 PM)

16.74

-0.07 (-0.42%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-10 2025-11-10

Earnings (Next)03-04 2026-03-04

Inst Owners15.05%

Inst Owner ChangeN/A

Ins Owners0.16%

Ins Owner ChangeN/A

Market Cap5.79B

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 Years2

Div Non Decr Years2

Ex-Date12-31 2025-12-31 (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	4.61
Fwd PE	N/A
P/S	1.82
P/FCF	16.11
P/OCF	16.11
P/B	0.65
P/tB	0.66
EV/EBITDA	N/A

EPS(TTM)3.63

EY21.68%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.04

FCFY6.21%

OCF(TTM)1.04

OCFY6.21%

SpS9.19

BVpS25.64

TBVpS25.37

PEG (NY)N/A

PEG (5Y)0.23

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 CORP LTD / ELF.CA FAQ

What is the fundamental rating for ELF stock?

ChartMill assigns a fundamental rating of 4 / 10 to ELF.CA.

What is the valuation status for ELF stock?

ChartMill assigns a valuation rating of 3 / 10 to E-L FINANCIAL CORP LTD (ELF.CA). This can be considered as Overvalued.

What is the profitability of ELF stock?

E-L FINANCIAL CORP LTD (ELF.CA) has a profitability rating of 6 / 10.

How financially healthy is E-L FINANCIAL CORP LTD?

The financial health rating of E-L FINANCIAL CORP LTD (ELF.CA) is 4 / 10.

Is the dividend of E-L FINANCIAL CORP LTD sustainable?

The dividend rating of E-L FINANCIAL CORP LTD (ELF.CA) is 5 / 10 and the dividend payout ratio is 44.97%.

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

More info and screens

E-L FINANCIAL CORP LTD / ELF.CA FAQ

What is the fundamental rating for ELF stock?

What is the valuation status for ELF stock?

What is the profitability of ELF stock?

How financially healthy is E-L FINANCIAL CORP LTD?

Is the dividend of E-L FINANCIAL CORP LTD sustainable?