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

TSX:ELF • CA2685751075

Current stock price

15.94 CAD
+0.13 (+0.82%)
Last:

This ELF.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. ELF.CA Profitability Analysis

1.1 Basic Checks

  • ELF had positive earnings in the past year.
  • ELF had a positive operating cash flow in the past year.
  • Of the past 5 years ELF 4 years were profitable.
  • ELF had a positive operating cash flow in each of the past 5 years.
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 84.81% 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 82.28% of its industry peers.
  • The Return On Invested Capital of ELF (5.05%) is better than 82.28% 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.
  • ELF has a Operating Margin of 54.60%. 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 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. ELF.CA Health Analysis

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.
  • The debt/assets ratio for ELF has been reduced compared to a year ago.
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

  • The Debt to FCF ratio of ELF is 1.67, which is an excellent value as it means it would take ELF, only 1.67 years of fcf income to pay off 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 67.09% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that ELF is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.07, ELF belongs to the best of the industry, outperforming 96.20% of the companies in the same industry.
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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3

3. ELF.CA Growth Analysis

3.1 Past

  • The earnings per share for ELF have decreased strongly by -24.08% in the last year.
  • The Earnings Per Share has been growing by 20.39% on average over the past years. This is a very strong growth
  • 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. ELF.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 4.39 indicates a rather cheap valuation of ELF.
  • 72.15% 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 25.71, ELF is valued rather cheaply.
Industry RankSector Rank
PE 4.39
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ELF indicates a slightly more expensive valuation: ELF is more expensive than 69.62% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.34
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)0.22
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. ELF.CA Dividend Analysis

5.1 Amount

  • ELF has a Yearly Dividend Yield of 5.58%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.82, ELF pays a better dividend. On top of this ELF pays more dividend than 82.28% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, ELF pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.58%

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
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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ELF.CA Fundamentals: All Metrics, Ratios and Statistics

E-L FINANCIAL CORP LTD

TSX:ELF (3/13/2026, 7:00:00 PM)

15.94

+0.13 (+0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-05
Earnings (Next)05-05
Inst Owners14.81%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap5.52B
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 5.58%
Yearly Dividend0.79
Dividend Growth(5Y)-38.31%
DP44.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-31
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 4.39
Fwd PE N/A
P/S 1.73
P/FCF 15.34
P/OCF 15.34
P/B 0.62
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)3.63
EY22.77%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.04
FCFY6.52%
OCF(TTM)1.04
OCFY6.52%
SpS9.2
BVpS25.64
TBVpS25.38
PEG (NY)N/A
PEG (5Y)0.22
Graham Number45.77
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 Fundamental Analysis FAQ

What is the fundamental rating for ELF stock?

ChartMill assigns a fundamental rating of 5 / 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 4.39 and the Price/Book (PB) ratio is 0.62.