(ELF) E-L Financial - Ratings and Ratios
Insurance, Mutual Funds, Annuities, Investments
ELF EPS (Earnings per Share)
ELF Revenue
Description: ELF E-L Financial
E-L Financial Corporation Limited is a Canadian investment and insurance holding company with a diversified portfolio of investments and insurance products. The company operates through two segments: E-L Corporate, which manages investments, and Empire Life, which underwrites insurance policies and offers wealth management products. With a presence in the Canadian market, E-L Financial Corporation Limited has established a network of independent financial advisors and brokers to distribute its products.
From a financial perspective, E-L Financial Corporation Limited has a market capitalization of approximately CAD 5.35 billion, indicating a mid-cap size. The companys price-to-earnings ratio is around 5.15, suggesting a relatively low valuation compared to its earnings. Additionally, the return on equity (RoE) is 13.68%, indicating a decent return for shareholders. To further evaluate the companys performance, key performance indicators (KPIs) such as the insurance loss ratio, expense ratio, and net interest margin could be examined.
Some key metrics to monitor E-L Financial Corporation Limiteds performance include the growth rate of its insurance premiums, the return on investment (ROI) of its investment portfolio, and the solvency ratio to assess its capital adequacy. Furthermore, the companys dividend yield and payout ratio could be analyzed to understand its commitment to returning value to shareholders. By examining these KPIs, investors can gain a more comprehensive understanding of E-L Financial Corporation Limiteds financial health and growth prospects.
To make informed investment decisions, it is essential to analyze E-L Financial Corporation Limiteds competitive position within the Canadian life and health insurance industry. This involves assessing its market share, customer retention rates, and product offerings relative to its peers. By understanding the companys strengths and weaknesses, investors can better evaluate its potential for long-term growth and returns.
ELF Stock Overview
| Market Cap in USD | 3,676m |
| Sector | Financial Services |
| Industry | Insurance - Life |
| GiC Sub-Industry | Life & Health Insurance |
| IPO / Inception |
ELF Stock Ratings
| Growth Rating | 77.6 |
| Fundamental | 68.9% |
| Dividend Rating | 11.2 |
| Rel. Strength | 4.52 |
| Analysts | - |
| Fair Price Momentum | 16.30 CAD |
| Fair Price DCF | 45.67 CAD |
ELF Dividends
| Dividend Yield 12m | 0.30% |
| Yield on Cost 5y | 0.81% |
| Annual Growth 5y | % |
| Payout Consistency | 1.0% |
| Payout Ratio | 0.0% |
ELF Growth Ratios
| Growth Correlation 3m | -47.3% |
| Growth Correlation 12m | 94.2% |
| Growth Correlation 5y | 96.3% |
| CAGR 5y | 37.25% |
| CAGR/Max DD 5y | 1.93 |
| Sharpe Ratio 12m | 0.10 |
| Alpha | 47.27 |
| Beta | 0.961 |
| Volatility | 18.43% |
| Current Volume | 42.8k |
| Average Volume 20d | 35.7k |
| Stop Loss | 14 (-3.4%) |
As of August 09, 2025, the stock is trading at CAD 14.50 with a total of 42,827 shares traded.
Over the past week, the price has changed by -0.62%, over one month by -7.88%, over three months by +3.32% and over the past year by +30.29%.
Partly, yes. Based on ValueRay´s Fundamental Analyses, E-L Financial (TO:ELF) is currently (August 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 68.91 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ELF is around 16.30 CAD . This means that ELF is currently undervalued and has a potential upside of +12.41% (Margin of Safety).
E-L Financial has no consensus analysts rating.
According to our own proprietary Forecast Model, ELF E-L Financial will be worth about 18.2 in August 2026. The stock is currently trading at 14.50. This means that the stock has a potential upside of +25.17%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 18.2 | 25.2% |
Piotroski VR‑10 (Strict) 4.0
| Net Income (1.11b TTM) > 0 and > 6% of Revenue (6% = 172.9m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -1.22pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.03 (>3.0%) and CFO 730.0m <= Net Income 1.11b (YES >=105%, WARN >=100%) |
| Net Debt (268.7m) to EBITDA (1.30b) ratio: 0.21 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (346.2m) change vs 12m ago 9376 % (target <= -2.0% for YES) |
| Gross Margin 86.89% (prev 84.11%; Δ 2.78pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.75% (prev 14.20%; Δ -3.44pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 54.73 (EBITDA TTM 1.30b / Interest Expense TTM 23.8m) >= 6 (WARN >= 3) |
ValueRay Score 68.91
ELF Fundamental Data Overview
Market Cap CAD = 5.05b (5.05b CAD * 1.0 CAD.CAD)
CCE Cash And Equivalents = 330.2m CAD (last quarter)
P/E Trailing = 4.8667
P/S = 1.6485
P/B = 0.6545
Beta = 0.809
Revenue TTM = 2.88b CAD
EBIT TTM = 1.30b CAD
EBITDA TTM = 1.30b CAD
Long Term Debt = 599.0m CAD (from longTermDebt, last quarter)
[93m Short Term Debt = unknown (0.0)
[39m Debt = 599.0m CAD (Calculated: Short Term 0.0 + Long Term 599.0m)
Net Debt = 268.7m CAD (from netDebt column, last quarter)
Enterprise Value = 5.32b CAD (5.05b + Debt 599.0m - CCE 330.2m)
Interest Coverage Ratio = 54.73 (Ebit TTM 1.30b / Interest Expense TTM 23.8m)
FCF Yield = 7.58% (FCF TTM 403.6m / Enterprise Value 5.32b)
FCF Margin = 14.01% (FCF TTM 403.6m / Revenue TTM 2.88b)
Net Margin = 38.41% (Net Income TTM 1.11b / Revenue TTM 2.88b)
Gross Margin = 86.89% ((Revenue TTM 2.88b - Cost of Revenue TTM 377.6m) / Revenue TTM)
Tobins Q-Ratio = 0.70 (Enterprise Value 5.32b / Book Value Of Equity 7.63b)
Interest Expense / Debt = 0.96% (Interest Expense 5.77m / Debt 599.0m)
Taxrate = 15.35% (from yearly Tax Provision: 317.5m / 2.07b)
NOPAT = 1.10b (EBIT 1.30b * (1 - 15.35%))
[93m Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
[39m Debt / Equity = 0.08 (Debt 599.0m / last Quarter total Stockholder Equity 7.97b)
Debt / EBITDA = 0.46 (Net Debt 268.7m / EBITDA 1.30b)
Debt / FCF = 1.48 (Debt 599.0m / FCF TTM 403.6m)
Total Stockholder Equity = 8.06b (last 4 quarters mean)
RoA = 4.04% (Net Income 1.11b, Total Assets 27.40b )
RoE = 13.73% (Net Income TTM 1.11b / Total Stockholder Equity 8.06b)
RoCE = 15.04% (Ebit 1.30b / (Equity 8.06b + L.T.Debt 599.0m))
RoIC = 13.13% (NOPAT 1.10b / Invested Capital 8.40b)
WACC = 8.63% (E(5.05b)/V(5.65b) * Re(9.56%)) + (D(599.0m)/V(5.65b) * Rd(0.96%) * (1-Tc(0.15)))
Shares Correlation 5-Years: -30.0 | Cagr: -1.93%
Discount Rate = 9.56% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.94% ; FCFE base≈524.2m ; Y1≈670.7m ; Y5≈1.24b
Fair Price DCF = 45.67 (DCF Value 15.81b / Shares Outstanding 346.2m; 5y FCF grow 30.0% → 2.90% )
Revenue Correlation: N/A | Revenue CAGR: 1.69%
Revenue Growth Correlation: -3.32%
EPS Correlation: N/A | EPS CAGR: 19.50%
EPS Growth Correlation: -42.44%