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

Canada • Toronto Stock Exchange • TSX:ELF • CA2685751075

17.1 CAD
-0.08 (-0.47%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

ELF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 78 industry peers in the Insurance industry. ELF scores excellent on profitability, but there are some minor concerns on its financial health. ELF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

7

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.
  • ELF had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years ELF had a positive operating cash flow.
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 0 500M -500M 1B 1.5B 2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 4.45%, ELF belongs to the top of the industry, outperforming 85.90% of the companies in the same industry.
  • ELF has a Return On Equity of 14.73%. This is amongst the best in the industry. ELF outperforms 83.33% of its industry peers.
  • The Return On Invested Capital of ELF (5.05%) is better than 82.05% of its industry peers.
Industry RankSector 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
ELF.CA Yearly ROA, ROE, ROICELF.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

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.
  • With an excellent Operating Margin value of 54.60%, ELF belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • ELF's Operating Margin has improved in the last couple of years.
Industry RankSector 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
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 0 50 -50

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4

2. Health

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.
  • ELF has a better debt/assets ratio than last year.
ELF.CA Yearly Shares OutstandingELF.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B 15B 20B 25B

2.2 Solvency

  • ELF has a debt to FCF ratio of 1.67. This is a very positive value and a sign of high solvency as it would only need 1.67 years to pay back of all of its debts.
  • ELF has a Debt to FCF ratio of 1.67. This is in the better half of the industry: ELF outperforms 67.95% of its industry peers.
  • ELF has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of ELF (0.07) is better than 97.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 1.67
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 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 50M 100M 150M

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

3

3. Growth

3.1 Past

  • The earnings per share for ELF have decreased strongly by -24.08% 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 very negative growth in Revenue. In the last year, the Revenue has decreased by -13.20%.
  • The Revenue has been growing by 15.53% on average over the past years. This is quite good.
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.
ELF.CA Yearly Revenue VS EstimatesELF.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.71, which indicates a rather cheap valuation of ELF.
  • 67.95% of the companies in the same industry are more expensive than ELF, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of ELF to the average of the S&P500 Index (28.06), we can say ELF is valued rather cheaply.
Industry RankSector Rank
PE 4.71
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 73.08% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.46
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

  • ELF has a very decent profitability rating, which 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.93%, ELF is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.93, ELF pays less dividend than the industry average, which is at 3.53. 89.74% of the companies listed in the same industry pay a better dividend than ELF!
  • With a Dividend Yield of 0.93, ELF pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 0.93%

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
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 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
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 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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E-L FINANCIAL CORP LTD

TSX:ELF (2/9/2026, 7:00:00 PM)

17.1

-0.08 (-0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-10
Earnings (Next)03-05
Inst Owners14.98%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.92B
Revenue(TTM)3.18B
Net Income(TTM)1.31B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.93%
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP44.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-03
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 4.71
Fwd PE N/A
P/S 1.86
P/FCF 16.46
P/OCF 16.46
P/B 0.67
P/tB 0.67
EV/EBITDA N/A
EPS(TTM)3.63
EY21.23%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY6.08%
OCF(TTM)1.04
OCFY6.08%
SpS9.2
BVpS25.64
TBVpS25.37
PEG (NY)N/A
PEG (5Y)0.23
Graham Number45.76
Profitability
Industry RankSector 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 RankSector 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 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 7 / 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 4.71 and the Price/Book (PB) ratio is 0.67.