ScoreWhy is E-L Financial Corp. Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 16.26%
2
Healthy long term growth as Net Sales has grown by an annual rate of 7.69%
3
The company has declared negative results in Dec'2024 after 4 consecutive positive quarters
- NET PROFIT(HY) At CAD 450.95 MM has Grown at -42.28%
- OPERATING CASH FLOW(Y) Lowest at CAD 318.79 MM
- NET SALES(HY) At CAD 1,295.47 MM has Grown at -27.28%
4
With ROE of 14.85%, it has a attractive valuation with a 0.68 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 24.73%, its profits have risen by 0.8%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to E-L Financial Corp. Ltd. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is E-L Financial Corp. Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
E-L Financial Corp. Ltd.
-100.0%
-0.92
105.62%
S&P/TSX 60
19.1%
1.54
14.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.69%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
16.61%
Dividend Payout Ratio
3.26%
Pledged Shares
0
Institutional Holding
0.31%
ROCE (avg)
0
ROE (avg)
16.26%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.68
EV to EBIT
NA
EV to EBITDA
EV to Capital Employed
0.69
EV to Sales
2.01
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
14.85%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DEBT-EQUITY RATIO
(HY)
Lowest at 2.67 %
NET PROFIT(Q)
At CAD 365.11 MM has Grown at 56%
-20What is not working for the Company
NET PROFIT(HY)
At CAD 450.95 MM has Grown at -42.28%
OPERATING CASH FLOW(Y)
Lowest at CAD 318.79 MM
NET SALES(HY)
At CAD 1,295.47 MM has Grown at -27.28%
INTEREST(Q)
Highest at CAD 7.64 MM
Here's what is working for E-L Financial Corp. Ltd.
Net Profit
At CAD 365.11 MM has Grown at 56%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (CAD MM)
Debt-Equity Ratio
Lowest at 2.67 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for E-L Financial Corp. Ltd.
Interest
At CAD 7.64 MM has Grown at 32.41%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (CAD MM)
Net Sales
At CAD 1,295.47 MM has Grown at -27.28%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (CAD MM)
Operating Cash Flow
Lowest at CAD 318.79 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CAD MM)
Interest
Highest at CAD 7.64 MM
in the last five periods and Increased by 32.41% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (CAD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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