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.
16.74%
-0.92
105.62%
S&P/TSX 60
21.87%
1.54
14.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.86%
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
4.35%
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
0.62
EV to EBIT
NA
EV to EBITDA
EV to Capital Employed
0.62
EV to Sales
1.83
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
13.60%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DEBT-EQUITY RATIO
(HY)
Lowest at 2.25 %
NET SALES(Q)
Highest at CAD 1,135.66 MM
OPERATING PROFIT(Q)
Highest at CAD 749.09 MM
PRE-TAX PROFIT(Q)
Highest at CAD 743.18 MM
NET PROFIT(Q)
Highest at CAD 569.75 MM
EPS(Q)
Highest at CAD 1.59
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at CAD 386.74 MM
Here's what is working for E-L Financial Corp. Ltd.
Net Sales
Highest at CAD 1,135.66 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (CAD MM)
Operating Profit
Highest at CAD 749.09 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (CAD MM)
Pre-Tax Profit
Highest at CAD 743.18 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (CAD MM)
Net Profit
Highest at CAD 569.75 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (CAD MM)
EPS
Highest at CAD 1.59
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (CAD)
Debt-Equity Ratio
Lowest at 2.25 %
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.
Operating Cash Flow
Lowest at CAD 386.74 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (CAD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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