E-L FINANCIAL CORP LTD (ELF.CA) Stock Fundamental Analysis
Canada - TSX:ELF - CA2685751075 - Common Stock
16.18 CAD
-0.25 (-1.52%)
ELF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 80 industry peers in the Insurance industry. While ELF has a great profitability rating, there are quite some concerns on its financial health. ELF is valued expensive and it does not seem to be growing.
1. Profitability
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.
ELF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ELF's Return On Assets of 4.41% is amongst the best of the industry. ELF outperforms 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.
ELF's Profit Margin has been stable in the last couple of years.
ELF has a better Operating Margin (54.15%) than 100.00% of its industry peers.
ELF's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 54.15% | ||
| 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
The number of shares outstanding for ELF remains at a similar level compared to 1 year ago.
ELF has less shares outstanding than it did 5 years ago.
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 2.07, which is a good value as it means it would take ELF, 2.07 years of fcf income to pay off 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.
A Debt/Equity ratio of 0.07 indicates that ELF is not too dependend on debt financing.
The Debt to Equity ratio of ELF (0.07) is better than 96.25% of its industry peers.
| 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
ELF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.31%.
ELF shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.39% yearly.
Looking at the last year, ELF shows a small growth in Revenue. The Revenue has grown by 3.70% in the last year.
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)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
ELF is valuated cheaply with a Price/Earnings ratio of 4.77.
67.50% of the companies in the same industry are more expensive than ELF, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.76, ELF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.77 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ELF indicates a rather expensive valuation: ELF more expensive than 90.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.31 | ||
| 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
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.52%, ELF is a good candidate for dividend investing.
ELF's Dividend Yield is rather good when compared to the industry average which is at 3.56. ELF pays more dividend than 81.25% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, ELF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
5.2 History
The dividend of ELF decreases each year by -38.31%.
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)-38.31%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
47.51% of the earnings are spent on dividend by ELF. This is a bit on the high side, but may be sustainable.
DP47.51%
EPS Next 2YN/A
EPS Next 3YN/A
TSX:ELF (10/29/2025, 7:00:00 PM)
16.18
-0.25 (-1.52%)
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 Cap5.60B
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 | 5.52% |
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 | 4.77 | ||
| Fwd PE | N/A | ||
| P/S | 1.86 | ||
| P/FCF | 19.31 | ||
| P/OCF | 19.31 | ||
| P/B | 0.67 | ||
| P/tB | 0.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.39
EY20.95%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.84
FCFY5.18%
OCF(TTM)0.84
OCFY5.18%
SpS8.69
BVpS24.02
TBVpS23.74
PEG (NY)N/A
PEG (5Y)0.23
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%.