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

TSX:ELF • CA2685751075

Current stock price

15.9 CAD
+0.02 (+0.13%)
Last:

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

6

1. ELF.CA Profitability Analysis

1.1 Basic Checks

  • In the past year ELF was profitable.
  • 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.
ELF.CA Yearly Net Income VS EBIT VS OCF VS FCFELF.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

  • With an excellent Return On Assets value of 4.12%, ELF belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • ELF has a Return On Equity of 13.60%. This is in the better half of the industry: ELF outperforms 73.08% of its industry peers.
  • ELF's Return On Invested Capital of 4.74% is amongst the best of the industry. ELF outperforms 82.05% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ELF is in line with the industry average of 3.17%.
Industry RankSector Rank
ROA 4.12%
ROE 13.6%
ROIC 4.74%
ROA(3y)4.43%
ROA(5y)3.23%
ROE(3y)15.1%
ROE(5y)11.14%
ROIC(3y)5.12%
ROIC(5y)N/A
ELF.CA Yearly ROA, ROE, ROICELF.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

  • ELF's Profit Margin of 39.12% is amongst the best of the industry. ELF outperforms 100.00% of its industry peers.
  • In the last couple of years the Profit Margin of ELF has grown nicely.
  • Looking at the Operating Margin, with a value of 52.96%, ELF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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.CA Yearly Profit, Operating, Gross MarginsELF.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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4

2. ELF.CA Health Analysis

2.1 Basic Checks

  • ELF has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ELF has been reduced compared to 5 years ago.
  • Compared to 1 year ago, ELF has an improved debt to assets ratio.
ELF.CA Yearly Shares OutstandingELF.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
ELF.CA Yearly Total Debt VS Total AssetsELF.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 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's Debt to FCF ratio of 1.68 is fine compared to the rest of the industry. ELF outperforms 66.67% of its industry peers.
  • 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 96.15% 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.CA Yearly LT Debt VS Equity VS FCFELF.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.CA Yearly Current Assets VS Current LiabilitesELF.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.CA Growth Analysis

3.1 Past

  • ELF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -18.78%.
  • ELF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 24.47% yearly.
  • ELF shows a decrease in Revenue. In the last year, the revenue decreased by -7.96%.
  • The Revenue has been growing by 14.52% on average over the past years. This is quite good.
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.CA Yearly Revenue VS EstimatesELF.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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3

4. ELF.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.62, which indicates a rather cheap valuation of ELF.
  • Compared to the rest of the industry, the Price/Earnings ratio of ELF indicates a somewhat cheap valuation: ELF is cheaper than 65.38% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.61, ELF is valued rather cheaply.
Industry RankSector Rank
PE 4.62
Fwd PE N/A
ELF.CA Price Earnings VS Forward Price EarningsELF.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • ELF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ELF is more expensive than 69.23% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.4
EV/EBITDA N/A
ELF.CA Per share dataELF.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 may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.19
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. ELF.CA Dividend Analysis

5.1 Amount

  • ELF has a Yearly Dividend Yield of 1.01%.
  • With a Dividend Yield of 1.01, ELF pays less dividend than the industry average, which is at 3.76. 88.46% of the companies listed in the same industry pay a better dividend than ELF!
  • With a Dividend Yield of 1.01, ELF pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.01%

5.2 History

  • The dividend of ELF decreases each year by -44.86%.
  • ELF has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of ELF decreased in the last 3 years.
Dividend Growth(5Y)-44.86%
Div Incr Years2
Div Non Decr Years2
ELF.CA Yearly Dividends per shareELF.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • ELF pays out 47.71% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP47.71%
EPS Next 2YN/A
EPS Next 3YN/A
ELF.CA Yearly Income VS Free CF VS DividendELF.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.CA Dividend Payout.ELF.CA Dividend Payout, showing the Payout Ratio.ELF.CA Dividend Payout.PayoutRetained Earnings

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ELF.CA Fundamentals: All Metrics, Ratios and Statistics

E-L FINANCIAL CORP LTD

TSX:ELF (3/25/2026, 7:00:00 PM)

15.9

+0.02 (+0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05
Earnings (Next)05-05
Inst Owners14.81%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.50B
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 1.01%
Yearly Dividend1.7
Dividend Growth(5Y)-44.86%
DP47.71%
Div Incr Years2
Div Non Decr Years2
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 4.62
Fwd PE N/A
P/S 1.75
P/FCF 15.4
P/OCF 15.4
P/B 0.61
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)3.44
EY21.64%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.03
FCFY6.5%
OCF(TTM)1.03
OCFY6.5%
SpS9.11
BVpS26.2
TBVpS25.86
PEG (NY)N/A
PEG (5Y)0.19
Graham Number45.04
Profitability
Industry RankSector Rank
ROA 4.12%
ROE 13.6%
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)15.1%
ROE(5y)11.14%
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 CORP LTD / ELF.CA Fundamental Analysis 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 of E-L FINANCIAL CORP LTD (ELF.CA) 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.


What are the PE and PB ratios of E-L FINANCIAL CORP LTD (ELF.CA) stock?

The Price/Earnings (PE) ratio for E-L FINANCIAL CORP LTD (ELF.CA) is 4.62 and the Price/Book (PB) ratio is 0.61.