E-L FINANCIAL CORP LTD(TSX:ELF) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, ELF scores 5 out of 10 in our fundamental rating. ELF was compared to 80 industry peers in the Insurance industry. While ELF has a great profitability rating, there are some minor concerns on its financial health. ELF is quite expensive at the moment. It does show a decent growth rate.

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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.

Each year in the past 5 years ELF had a positive operating cash flow.

1.2 Ratios

ELF has a better Return On Assets (5.56%) than 95.00% of its industry peers.

With an excellent Return On Equity value of 18.57%, ELF belongs to the best of the industry, outperforming 96.25% of the companies in the same industry.

With an excellent Return On Invested Capital value of 6.39%, ELF belongs to the best of the industry, outperforming 92.50% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	5.56%
ROE	18.57%
ROIC	6.39%

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's Profit Margin of 45.63% is amongst the best of the industry. ELF outperforms 96.25% of its industry peers.

ELF's Profit Margin has been stable in the last couple of years.

ELF's Operating Margin of 61.14% is amongst the best of the industry. ELF outperforms 96.25% of its industry peers.

ELF's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	61.14%
PM (TTM)	45.63%
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

ELF has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, ELF has less shares outstanding

Compared to 1 year ago, ELF has an improved debt to assets ratio.

2.2 Solvency

ELF has a debt to FCF ratio of 1.30. This is a very positive value and a sign of high solvency as it would only need 1.30 years to pay back of all of its debts.

The Debt to FCF ratio of ELF (1.30) is better than 76.25% 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.

ELF has a better Debt to Equity ratio (0.07) than 93.75% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	1.3
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 has grown by an impressive 74.91% over the past year.

The Earnings Per Share has been growing by 20.16% on average over the past years. This is a very strong growth

The Revenue has grown by 36.97% in the past year. This is a very strong growth!

The Revenue has been growing by 15.53% on average over the past years. This is quite good.

EPS 1Y (TTM)74.91%

EPS 3Y14.83%

EPS 5Y20.16%

EPS Q2Q%-41.05%

Revenue 1Y (TTM)36.97%

Revenue growth 3Y27.55%

Revenue growth 5Y15.53%

Sales Q2Q%-24.66%

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

The Price/Earnings ratio is 3.24, which indicates a rather cheap valuation of ELF.

ELF's Price/Earnings ratio is a bit cheaper when compared to the industry. ELF is cheaper than 72.50% of the companies in the same industry.

When comparing the Price/Earnings ratio of ELF to the average of the S&P500 Index (27.75), we can say ELF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	3.24
Fwd PE	N/A

4.2 Price Multiples

87.50% of the companies in the same industry are cheaper than ELF, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	10.35
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)0.16

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ELF has a Yearly Dividend Yield of 1.14%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.51, ELF's dividend is way lower than its industry peers. On top of this 86.25% of the companies listed in the same industry pay a better dividend than ELF!

Compared to an average S&P500 Dividend Yield of 2.44, ELF's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.14%

5.2 History

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

ELF has been paying a dividend for at least 10 years, so it has a reliable track record.

ELF has decreased its dividend recently.

Dividend Growth(5Y)54.95%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

ELF pays out 17.61% of its income as dividend. This is a sustainable payout ratio.

ELF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP17.61%

EPS Next 2YN/A

EPS Next 3YN/A

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E-L FINANCIAL CORP LTD

TSX:ELF (5/1/2025, 7:00:00 PM)

1375

+22.8 (+1.69%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)03-06 2025-03-06

Earnings (Next)05-08 2025-05-08

Inst Owners16.02%

Inst Owner ChangeN/A

Ins Owners0.16%

Ins Owner ChangeN/A

Market Cap4.76B

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.14%

Yearly Dividend79.49

Dividend Growth(5Y)54.95%

DP17.61%

Div Incr Years1

Div Non Decr Years1

Ex-Date03-31 2025-03-31 (3.75)

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	3.24
Fwd PE	N/A
P/S	1.39
P/FCF	10.35
P/OCF	10.35
P/B	0.57
P/tB	0.57
EV/EBITDA	N/A

EPS(TTM)424.78

EY30.89%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)132.82

FCFY9.66%

OCF(TTM)132.82

OCFY9.66%

SpS989.95

BVpS2432.33

TBVpS2408.13

PEG (NY)N/A

PEG (5Y)0.16

Profitability

		Industry Rank	Sector Rank
ROA	5.56%
ROE	18.57%
ROCE	7.49%
ROIC	6.39%
ROICexc	6.48%
ROICexgc	10.09%
OM	61.14%
PM (TTM)	45.63%
GM	N/A
FCFM	13.42%

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-Score8

Asset Turnover0.12

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	1.3
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	85.14
Cash Conversion	N/A
Profit Quality	29.4%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

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)74.91%

EPS 3Y14.83%

EPS 5Y20.16%

EPS Q2Q%-41.05%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)36.97%

Revenue growth 3Y27.55%

Revenue growth 5Y15.53%

Sales Q2Q%-24.66%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y61.05%

EBIT growth 3Y44.29%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-37.56%

FCF growth 3Y9.7%

FCF growth 5Y1.99%

OCF growth 1Y-37.56%

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