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Also traded in: Canada

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.80
ELFIF's Cash to Debt is ranked lower than
70% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. ELFIF: 0.80 )
Ranked among companies with meaningful Cash to Debt only.
ELFIF' s Cash to Debt Range Over the Past 10 Years
Min: 0.34  Med: N/A Max: No Debt
Current: 0.8
Equity to Asset 0.24
ELFIF's Equity to Asset is ranked lower than
61% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. ELFIF: 0.24 )
Ranked among companies with meaningful Equity to Asset only.
ELFIF' s Equity to Asset Range Over the Past 10 Years
Min: 0.14  Med: 0.27 Max: 0.34
Current: 0.24
0.14
0.34
Interest Coverage 44.82
ELFIF's Interest Coverage is ranked lower than
52% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 47.73 vs. ELFIF: 44.82 )
Ranked among companies with meaningful Interest Coverage only.
ELFIF' s Interest Coverage Range Over the Past 10 Years
Min: 15.21  Med: 90.26 Max: No Debt
Current: 44.82
F-Score: 5
WACC vs ROIC
4.17%
7.66%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 21.64
ELFIF's Operating margin (%) is ranked higher than
84% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.52 vs. ELFIF: 21.64 )
Ranked among companies with meaningful Operating margin (%) only.
ELFIF' s Operating margin (%) Range Over the Past 10 Years
Min: -9.11  Med: 15.13 Max: 52.52
Current: 21.64
-9.11
52.52
Net-margin (%) 13.28
ELFIF's Net-margin (%) is ranked higher than
76% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.93 vs. ELFIF: 13.28 )
Ranked among companies with meaningful Net-margin (%) only.
ELFIF' s Net-margin (%) Range Over the Past 10 Years
Min: -8.59  Med: 12.9 Max: 55.18
Current: 13.28
-8.59
55.18
ROE (%) 5.74
ELFIF's ROE (%) is ranked lower than
70% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.87 vs. ELFIF: 5.74 )
Ranked among companies with meaningful ROE (%) only.
ELFIF' s ROE (%) Range Over the Past 10 Years
Min: -7.93  Med: 8.92 Max: 25.94
Current: 5.74
-7.93
25.94
ROA (%) 1.32
ELFIF's ROA (%) is ranked lower than
68% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.17 vs. ELFIF: 1.32 )
Ranked among companies with meaningful ROA (%) only.
ELFIF' s ROA (%) Range Over the Past 10 Years
Min: -2.29  Med: 2.52 Max: 5.58
Current: 1.32
-2.29
5.58
Revenue Growth (3Y)(%) 8.90
ELFIF's Revenue Growth (3Y)(%) is ranked higher than
64% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. ELFIF: 8.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ELFIF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.8  Med: 5.6 Max: 15.1
Current: 8.9
-17.8
15.1
EBITDA Growth (3Y)(%) 21.00
ELFIF's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.70 vs. ELFIF: 21.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ELFIF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 55.4
Current: 21
0
55.4
EPS Growth (3Y)(%) 10.10
ELFIF's EPS Growth (3Y)(%) is ranked higher than
52% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.50 vs. ELFIF: 10.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ELFIF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -30.4  Med: -0.7 Max: 104.4
Current: 10.1
-30.4
104.4
» ELFIF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Preferred stocks of E-L Financial Corp Ltd

SymbolPriceYieldDescription
ELF.PR.F.Canada24.985.30
ELF.PR.H.Canada25.305.43
ELF.PR.G.Canada23.005.16

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:SIGI, NAS:NGHC, OTCPK:BZLYF, NAS:AGII, NYSE:PRA, NYSE:MCY, NAS:NAVG, NYSE:RLI, NAS:ANAT, NAS:AMSF, NYSE:MBI, NAS:UFCS, NYSE:STC, NAS:JRVR, NYSE:THG, NAS:SAFT, NAS:STFC, NAS:IPCC, NYSE:AWH, NYSE:UVE » details
Traded in other countries:ELF.Canada,
E-L Financial Corp Ltd is an investment and insurance holding company. It also owns investments in equities and fixed income securities directly and indirectly through pooled funds and other closed-end investment companies.

E-L Financial Corp Ltd is a Canadian corporation was incorporated on November 13, 1968. It is an investment and insurance holding company. It also owns investments in equities and fixed income securities directly and indirectly through pooled funds and other closed-end investment companies. The Company also has investments in Economic, another closed-end fund and Algoma, a public shipping company. The Company treats these investments as equity method investments for financial reporting purposes.

Ratios

vs
industry
vs
history
P/E(ttm) 10.82
ELFIF's P/E(ttm) is ranked higher than
68% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.66 vs. ELFIF: 10.82 )
Ranked among companies with meaningful P/E(ttm) only.
ELFIF' s P/E(ttm) Range Over the Past 10 Years
Min: 3.52  Med: 7.42 Max: 53.68
Current: 10.82
3.52
53.68
PE(NRI) 10.82
ELFIF's PE(NRI) is ranked higher than
69% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.68 vs. ELFIF: 10.82 )
Ranked among companies with meaningful PE(NRI) only.
ELFIF' s PE(NRI) Range Over the Past 10 Years
Min: 4.03  Med: 7.42 Max: 53.68
Current: 10.82
4.03
53.68
Price/Owner Earnings (ttm) 6.12
ELFIF's Price/Owner Earnings (ttm) is ranked higher than
86% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.59 vs. ELFIF: 6.12 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ELFIF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.62  Med: 7.36 Max: 9.1
Current: 6.12
5.62
9.1
P/B 0.56
ELFIF's P/B is ranked higher than
92% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. ELFIF: 0.56 )
Ranked among companies with meaningful P/B only.
ELFIF' s P/B Range Over the Past 10 Years
Min: 0.5  Med: 0.71 Max: 1.29
Current: 0.56
0.5
1.29
P/S 1.43
ELFIF's P/S is ranked lower than
73% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. ELFIF: 1.43 )
Ranked among companies with meaningful P/S only.
ELFIF' s P/S Range Over the Past 10 Years
Min: 0.44  Med: 0.96 Max: 2.4
Current: 1.43
0.44
2.4
POCF 9.59
ELFIF's POCF is ranked lower than
58% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.35 vs. ELFIF: 9.59 )
Ranked among companies with meaningful POCF only.
ELFIF' s POCF Range Over the Past 10 Years
Min: 3.6  Med: 6.96 Max: 18.06
Current: 9.59
3.6
18.06
EV-to-EBIT 8.27
ELFIF's EV-to-EBIT is ranked higher than
63% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.65 vs. ELFIF: 8.27 )
Ranked among companies with meaningful EV-to-EBIT only.
ELFIF' s EV-to-EBIT Range Over the Past 10 Years
Min: -39.6  Med: 5.1 Max: 199.8
Current: 8.27
-39.6
199.8
EV-to-EBITDA 8.27
ELFIF's EV-to-EBITDA is ranked higher than
58% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.36 vs. ELFIF: 8.27 )
Ranked among companies with meaningful EV-to-EBITDA only.
ELFIF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -39.6  Med: 5.1 Max: 199.8
Current: 8.27
-39.6
199.8
Shiller P/E 11.01
ELFIF's Shiller P/E is ranked higher than
93% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. ELFIF: 11.01 )
Ranked among companies with meaningful Shiller P/E only.
ELFIF' s Shiller P/E Range Over the Past 10 Years
Min: 8.37  Med: 13.04 Max: 17.96
Current: 11.01
8.37
17.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.05
ELFIF's Dividend Yield is ranked lower than
99.99% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.86 vs. ELFIF: 0.05 )
Ranked among companies with meaningful Dividend Yield only.
ELFIF' s Dividend Yield Range Over the Past 10 Years
Min: 0.05  Med: 0.1 Max: 0.25
Current: 0.05
0.05
0.25
Dividend Payout 0.01
ELFIF's Dividend Payout is ranked higher than
99% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. ELFIF: 0.01 )
Ranked among companies with meaningful Dividend Payout only.
ELFIF' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: 2.22
Current: 0.01
0
2.22
Forward Dividend Yield 0.07
ELFIF's Forward Dividend Yield is ranked lower than
99.99% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.76 vs. ELFIF: 0.07 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.05
ELFIF's Yield on cost (5-Year) is ranked lower than
99.99% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.64 vs. ELFIF: 0.05 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ELFIF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.05  Med: 0.1 Max: 0.25
Current: 0.05
0.05
0.25

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.56
ELFIF's Price/Tangible Book is ranked higher than
93% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.39 vs. ELFIF: 0.56 )
Ranked among companies with meaningful Price/Tangible Book only.
ELFIF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.52  Med: 0.75 Max: 1.23
Current: 0.56
0.52
1.23
Price/Projected FCF 0.70
ELFIF's Price/Projected FCF is ranked higher than
54% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.76 vs. ELFIF: 0.70 )
Ranked among companies with meaningful Price/Projected FCF only.
ELFIF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.94 Max: 1.73
Current: 0.7
0.34
1.73
Price/Median PS Value 1.49
ELFIF's Price/Median PS Value is ranked lower than
90% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. ELFIF: 1.49 )
Ranked among companies with meaningful Price/Median PS Value only.
ELFIF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.42  Med: 0.81 Max: 2.32
Current: 1.49
0.42
2.32
Price/Graham Number 0.52
ELFIF's Price/Graham Number is ranked higher than
91% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.95 vs. ELFIF: 0.52 )
Ranked among companies with meaningful Price/Graham Number only.
ELFIF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.33  Med: 0.58 Max: 1.1
Current: 0.52
0.33
1.1
Earnings Yield (Greenblatt) (%) 12.10
ELFIF's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. ELFIF: 12.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ELFIF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 14.9 Max: 31.6
Current: 12.1
0.5
31.6

More Statistics

Revenue (TTM) (Mil) $1,424
EPS (TTM) $ 44.82
Beta0.71
Short Percentage of Float0.00%
52-Week Range $429.75 - 649.87
Shares Outstanding (Mil)4.02
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