E L Financials

ELF Stock  CAD 1,401  19.02  1.34%   
We urge to utilize E L Financial fundamental analysis to see if markets are at this moment undervaluing or overvaluing the company. Put another way, you can exercise it to find out if E L Financial is indeed mispriced or if you can make any profits on it by purchasing it and then waiting for the market to recognize its mistake and reprise the security. We were able to analyze and collect data for thirty-four available fundamental indicators for E L Financial Corp, which can be compared to its peers. The stock experiences a somewhat bearish sentiment, but the market may correct it shortly. Check odds of E L to be traded at C$1358.73 in 90 days. Key indicators impacting E L's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.06450.0928
Way Down
Pretty Stable
Current Ratio6.044.2
Way Up
Very volatile
  
Understanding current and past E L Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of E L's financial statements are interrelated, with each one affecting the others. For example, an increase in E L's assets may result in an increase in income on the income statement.

E L Stock Summary

E L competes with Algoma Central, Winpak, Fairfax Financial, Economic Investment, and IA Financial. E-L Financial Corporation Limited operates as an investment and insurance holding company in Canada. The company was incorporated in 1968 and is headquartered in Toronto, Canada. E L operates under Insurance - Property Casualty classification in Canada and is traded on Toronto Stock Exchange.
Foreign Associate
  USA
Specialization
Financial Services, Insurance - Life
InstrumentCanada Stock View All
ExchangeToronto Exchange
ISINCA2685751075
Business Address165 University Avenue,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.e-lfinancial.ca
Phone416 947 2578
CurrencyCAD - Canadian Dollar
You should never invest in E L without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of ELF Stock, because this is throwing your money away. Analyzing the key information contained in E L's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

E L Key Financial Ratios

E L's financial ratios allow both analysts and investors to convert raw data from E L's financial statements into concise, actionable information that can be used to evaluate the performance of E L over time and compare it to other companies across industries.

E L Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets24.9B26.8B23.5B25.8B29.6B31.1B
Other Current Liab(189.4M)136.4M(107.9M)(103.8M)(93.4M)(88.8M)
Net Debt174.5M(33.9M)400.0M292.5M336.4M353.2M
Retained Earnings6.1B6.9B6.4B6.7B7.7B8.1B
Other Assets24.1B7.6B7.2B335.2M385.5M366.2M
Net Receivables88.1M67.3M69.6M748K673.2K639.5K
Total Liab17.3B18.2B15.8B17.5B20.1B21.1B
Total Current Assets515.8M2.7B2.2B440.9M396.8M376.9M
Other Current Assets595.0M747.8M733.9M494.7M445.3M423.0M
Intangible Assets28.0M28.5M60.6M61.5M70.7M74.3M
Cash427.8M636.1M302.9M440.9M507.0M399.6M
Common Stock66.8M66.7M64.1M62.3M56.1M96.4M
Accounts Payable179.5M189.1M107.9M83.9M96.5M134.0M
Other Liab15.0B16.2B17.2B14.7B16.9B15.4B
Net Tangible Assets6.0B6.2B7.0B6.3B7.3B5.8B
Long Term Debt602.3M602.2M702.9M733.4M843.4M598.7M
Long Term Debt Total488.8M464.1M602.3M602.2M692.5M589.8M
Inventory(595.0M)(747.8M)(506.9M)(446.6M)(513.6M)(539.2M)
Cash And Equivalents279.2M211.6M154.2M130.7M117.6M193.9M
Net Invested Capital6.8B7.6B7.1B7.6B8.7B7.5B
Capital Stock366.8M366.7M364.1M362.3M326.1M294.0M

E L Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense20.8M31.8M28.0M25.9M29.8M31.3M
Total Revenue2.6B2.3B(707.0M)2.8B3.2B1.9B
Gross Profit2.6B2.3B(707.0M)4.0B4.6B4.8B
Operating Income613.7M1.4B(172.8M)2.7B3.1B3.2B
Ebitda775.4M1.4B(537.1M)581.1M668.3M353.8M
Income Before Tax713.5M1.5B(355.0M)1.3B1.5B1.5B
Net Income503.7M1.2B(327.3M)955.3M1.1B1.2B
Income Tax Expense110.0M215.4M(27.7M)179.4M206.3M216.6M
Ebit763.1M1.4B(540.6M)572.0M657.8M467.3M
Minority Interest1.1B(116.2M)154.2M(139.8M)(125.8M)(119.5M)
Tax Provision110.0M215.4M(27.7M)179.4M206.3M124.9M
Interest Income453.1M800.2M481.0M359.1M413.0M651.9M
Net Interest Income(20.8M)(31.8M)(28.0M)(25.9M)(23.3M)(24.5M)

E L Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash124.7M208.3M(333.2M)137.9M158.6M166.5M
Free Cash Flow321.2M344.4M381.0M736.0M846.4M888.7M
Other Non Cash Items(1.1B)(848.0M)2.4B(557.4M)(501.7M)(476.6M)
Dividends Paid133.4M340.0M144.4M64.4M74.1M46.9M
Capital Expenditures7.9M3.7M16.9M16.7M19.2M20.1M
Net Income603.5M1.3B(327.3M)1.1B1.3B1.3B
End Period Cash Flow427.8M636.1M302.9M440.9M507.0M308.3M
Depreciation12.3M14.4M38.1M9.1M10.5M13.8M
Investments40.1M206.6M(437.2M)(386.6M)(444.5M)(466.8M)
Net Borrowings(310M)(25M)137.8M100M90M94.5M
Change To Netincome(313.8M)(191.3M)(877.3M)638.2M733.9M770.6M

ELF Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining E L's current stock value. Our valuation model uses many indicators to compare E L value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across E L competition to find correlations between indicators driving E L's intrinsic value. More Info.
E L Financial Corp is one of the top stocks in return on equity category among its peers. It also is one of the top stocks in return on asset category among its peers reporting about  0.26  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for E L Financial Corp is roughly  3.91 . At this time, E L's Return On Equity is very stable compared to the past year. Comparative valuation analysis is a catch-all model that can be used if you cannot value E L by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for E L's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued.

E L Financial Systematic Risk

E L's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. E L volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on E L Financial correlated with the market. If Beta is less than 0 E L generally moves in the opposite direction as compared to the market. If E L Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one E L Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of E L is generally in the same direction as the market. If Beta > 1 E L moves generally in the same direction as, but more than the movement of the benchmark.

E L Financial Corp Total Assets Over Time

Today, most investors in E L Stock are looking for potential investment opportunities by analyzing not only static indicators but also various E L's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of E L growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.009113)

At this time, E L's Price Earnings To Growth Ratio is very stable compared to the past year.

E L February 1, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of E L help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of E L Financial Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of E L Financial Corp based on widely used predictive technical indicators. In general, we focus on analyzing ELF Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build E L's daily price indicators and compare them against related drivers.

Other Information on Investing in ELF Stock

E L financial ratios help investors to determine whether ELF Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in ELF with respect to the benefits of owning E L security.