E-L FINANCIAL CORP LTD (ELF.CA) Stock Fundamental Analysis
Canada - TSX:ELF - CA2685751075 - Common Stock
16.26 CAD
+0.03 (+0.18%)
We assign a fundamental rating of 4 out of 10 to ELF. ELF was compared to 81 industry peers in the Insurance industry. ELF has an excellent profitability rating, but there are concerns on its financial health. ELF is valued expensive and it does not seem to be growing.
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.
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 (4.41%) than 93.75% of its industry peers.
With an excellent Return On Equity value of 14.85%, ELF belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
ELF has a Return On Invested Capital of 4.96%. This is amongst the best in the industry. ELF outperforms 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.41% | ||
| ROE | 14.85% | ||
| ROIC | 4.96% |
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
The Profit Margin of ELF (41.06%) is better than 100.00% of its industry peers.
In the last couple of years the Profit Margin of ELF has remained more or less at the same level.
ELF has a Operating Margin of 54.15%. This is amongst the best in 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 | 54.15% | ||
| PM (TTM) | 41.06% | ||
| 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
2. Health
2.1 Basic Checks
Compared to 1 year ago, ELF has about the same amount of shares outstanding.
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 2.07. This is a good value and a sign of high solvency as ELF would need 2.07 years to pay back of all of its debts.
ELF has a Debt to FCF ratio of 2.07. This is comparable to the rest of the industry: ELF outperforms 57.50% 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.
With an excellent Debt to Equity ratio value of 0.07, ELF belongs to the best of the industry, outperforming 96.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 2.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.31% over the past year.
ELF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.39% yearly.
The Revenue has been growing slightly by 3.70% in the past year.
ELF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.53% yearly.
EPS 1Y (TTM)4.31%
EPS 3Y14.91%
EPS 5Y20.39%
EPS Q2Q%64.52%
Revenue 1Y (TTM)3.7%
Revenue growth 3Y27.55%
Revenue growth 5Y15.53%
Sales Q2Q%27.36%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 4.80 indicates a rather cheap valuation of ELF.
70.00% 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 (26.11), we can say ELF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.8 | ||
| 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 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.41 | ||
| 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)0.24
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
ELF has a Yearly Dividend Yield of 5.45%, which is a nice return.
ELF's Dividend Yield is a higher than the industry average which is at 3.90.
Compared to an average S&P500 Dividend Yield of 2.37, ELF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.45% |
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.
The dividend of ELF decreased in the last 3 years.
Dividend Growth(5Y)-38.31%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
ELF pays out 47.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP47.51%
EPS Next 2YN/A
EPS Next 3YN/A
TSX:ELF (10/31/2025, 7:00:00 PM)
16.26
+0.03 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners15.05%
Inst Owner ChangeN/A
Ins Owners0.16%
Ins Owner ChangeN/A
Market Cap5.63B
Revenue(TTM)3.01B
Net Income(TTM)1.23B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.45% |
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP47.51%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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 | 4.8 | ||
| Fwd PE | N/A | ||
| P/S | 1.87 | ||
| P/FCF | 19.41 | ||
| P/OCF | 19.41 | ||
| P/B | 0.68 | ||
| P/tB | 0.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.39
EY20.85%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.84
FCFY5.15%
OCF(TTM)0.84
OCFY5.15%
SpS8.69
BVpS24.02
TBVpS23.74
PEG (NY)N/A
PEG (5Y)0.24
Graham Number42.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.41% | ||
| ROE | 14.85% | ||
| ROCE | 5.82% | ||
| ROIC | 4.96% | ||
| ROICexc | 5.03% | ||
| ROICexgc | 7.95% | ||
| OM | 54.15% | ||
| PM (TTM) | 41.06% | ||
| GM | N/A | ||
| FCFM | 9.64% |
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 | 2.07 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 70.5 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 23.48% | ||
| 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)4.31%
EPS 3Y14.91%
EPS 5Y20.39%
EPS Q2Q%64.52%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.7%
Revenue growth 3Y27.55%
Revenue growth 5Y15.53%
Sales Q2Q%27.36%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-1.66%
EBIT growth 3Y44.29%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.26%
FCF growth 3Y9.7%
FCF growth 5Y1.99%
OCF growth 1Y-43.26%
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 7 / 10.
How financially healthy is E-L FINANCIAL CORP LTD?
The financial health rating of E-L FINANCIAL CORP LTD (ELF.CA) is 3 / 10.
Is the dividend of E-L FINANCIAL CORP LTD sustainable?
The dividend rating of E-L FINANCIAL CORP LTD (ELF.CA) is 6 / 10 and the dividend payout ratio is 47.51%.