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 82 industry peers in the Insurance industry. Both the profitability and the financial health of ELF get a neutral evaluation. Nothing too spectacular is happening here. ELF has a valuation in line with the averages, but on the other hand it scores bad on growth.

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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.

Of the past 5 years ELF 4 years were profitable.

ELF had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of ELF (4.02%) is better than 98.78% of its industry peers.

ELF has a Return On Equity of 13.82%. This is amongst the best in the industry. ELF outperforms 91.46% of its industry peers.

The Return On Invested Capital of ELF (4.54%) is better than 78.05% of its industry peers.

		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.

With an excellent Operating Margin value of 51.56%, 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 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

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

The Debt to FCF ratio of ELF is 1.48, which is an excellent value as it means it would take ELF, only 1.48 years of fcf income to pay off all of its debts.

ELF has a better Debt to FCF ratio (1.48) than 69.51% of its industry peers.

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

ELF has a better Debt to Equity ratio (0.08) than 96.34% 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 -3.72% in the last year.

ELF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.16% yearly.

Looking at the last year, ELF shows a small growth in Revenue. The Revenue has grown by 0.43% in the last 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)-3.72%

EPS 3Y14.83%

EPS 5Y20.16%

EPS Q2Q%-83.92%

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 0.05.

Based on the Price/Earnings ratio, ELF is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.

ELF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.

		Industry Rank	Sector Rank
PE	0.05
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ELF is valued a bit cheaper than 74.39% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	0.14
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

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.02%, ELF has a reasonable but not impressive dividend return.

With a Dividend Yield of 1.02, ELF pays less dividend than the industry average, which is at 4.22. 80.49% of the companies listed in the same industry pay a better dividend than ELF!

Compared to an average S&P500 Dividend Yield of 2.39, ELF's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.02%

5.2 History

The dividend of ELF is nicely growing with an annual growth rate of 54.95%!

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)54.95%

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.

The dividend of ELF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP72.12%

EPS Next 2YN/A

EPS Next 3YN/A

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E-L FINANCIAL CORP LTD

TSX:ELF (6/6/2025, 7:00:00 PM)

16.35

+0.74 (+4.74%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

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

Earnings (Next)08-06 2025-08-06

Inst Owners16.02%

Inst Owner ChangeN/A

Ins Owners0.16%

Ins Owner ChangeN/A

Market Cap56.57M

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.02%

Yearly Dividend79.49

Dividend Growth(5Y)54.95%

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	0.05
Fwd PE	N/A
P/S	0.02
P/FCF	0.14
P/OCF	0.14
P/B	0.01
P/tB	0.01
EV/EBITDA	N/A

EPS(TTM)299.97

EY1834.68%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)116.66

FCFY713.52%

OCF(TTM)116.66

OCFY713.52%

SpS817.19

BVpS2302.91

TBVpS2275.57

PEG (NY)N/A

PEG (5Y)0

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)-3.72%

EPS 3Y14.83%

EPS 5Y20.16%

EPS Q2Q%-83.92%

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

More info and screens