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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 0.84
ELFIF's Cash-to-Debt is ranked lower than
68% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. ELFIF: 0.84 )
Ranked among companies with meaningful Cash-to-Debt only.
ELFIF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.64  Med: N/A Max: No Debt
Current: 0.84
Equity-to-Asset 0.24
ELFIF's Equity-to-Asset is ranked lower than
60% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 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: 0.12  Med: 0.24 Max: 0.33
Current: 0.24
0.12
0.33
Interest Coverage 46.56
ELFIF's Interest Coverage is ranked higher than
55% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 28.75 vs. ELFIF: 46.56 )
Ranked among companies with meaningful Interest Coverage only.
ELFIF' s Interest Coverage Range Over the Past 10 Years
Min: 15.21  Med: 46.56 Max: No Debt
Current: 46.56
WACC vs ROIC
3.46%
6.54%
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 : 4/10

vs
industry
vs
history
Operating Margin % 26.08
ELFIF's Operating Margin % is ranked higher than
89% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. ELFIF: 26.08 )
Ranked among companies with meaningful Operating Margin % only.
ELFIF' s Operating Margin % Range Over the Past 10 Years
Min: -9.11  Med: 19.74 Max: 52.52
Current: 26.08
-9.11
52.52
Net Margin % 18.47
ELFIF's Net Margin % is ranked higher than
86% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.16 vs. ELFIF: 18.47 )
Ranked among companies with meaningful Net Margin % only.
ELFIF' s Net Margin % Range Over the Past 10 Years
Min: -8.59  Med: 13.12 Max: 55.18
Current: 18.47
-8.59
55.18
ROE % 6.68
ELFIF's ROE % is ranked lower than
66% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. ELFIF: 6.68 )
Ranked among companies with meaningful ROE % only.
ELFIF' s ROE % Range Over the Past 10 Years
Min: -7.93  Med: 7.62 Max: 25.94
Current: 6.68
-7.93
25.94
ROA % 1.55
ELFIF's ROA % is ranked lower than
66% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.21 vs. ELFIF: 1.55 )
Ranked among companies with meaningful ROA % only.
ELFIF' s ROA % Range Over the Past 10 Years
Min: -2.29  Med: 2.01 Max: 5.58
Current: 1.55
-2.29
5.58
3-Year Revenue Growth Rate 2.60
ELFIF's 3-Year Revenue Growth Rate is ranked lower than
66% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.60 vs. ELFIF: 2.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ELFIF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -17.8  Med: 5.6 Max: 15.1
Current: 2.6
-17.8
15.1
3-Year EBITDA Growth Rate -18.80
ELFIF's 3-Year EBITDA Growth Rate is ranked lower than
86% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. ELFIF: -18.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ELFIF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 55.4
Current: -18.8
0
55.4
3-Year EPS without NRI Growth Rate -15.80
ELFIF's 3-Year EPS without NRI Growth Rate is ranked lower than
81% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. ELFIF: -15.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ELFIF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -30.4  Med: 9.5 Max: 104.4
Current: -15.8
-30.4
104.4
GuruFocus has detected 2 Warning Signs with E-L Financial Corp Ltd $ELFIF.
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» ELFIF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Preferred stocks of E-L Financial Corp Ltd

SymbolPriceYieldDescription
ELF.PR.F.Canada24.905.325.3 % First Pfd Shs Series -1-
ELF.PR.H.Canada25.225.455 1/2 % Non-Cum Red First Pfd Shs Series 3
ELF.PR.G.Canada23.535.054 3/4 % Non-Cum Red First Pfd Shs Series 2

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 7339
Compare:NAS:NGHC, NYSE:RLI, NAS:SIGI, OTCPK:BZLYF, NAS:AGII, NAS:AFSI, NAS:ANAT, NYSE:PRA, NAS:NAVG, OTCPK:GCNJF, NYSE:MCY, NAS:JRVR, NAS:AMSF, NAS:STFC, NYSE:MBI, NAS:UFCS, NYSE:THG, NAS:SAFT, NAS:IPCC, NYSE:STC » details
Traded in other countries:ELF.Canada,
Headquarter Location: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
PE Ratio 10.80
ELFIF's PE Ratio is ranked higher than
77% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.99 vs. ELFIF: 10.80 )
Ranked among companies with meaningful PE Ratio only.
ELFIF' s PE Ratio Range Over the Past 10 Years
Min: 3.52  Med: 7.82 Max: 53.68
Current: 10.8
3.52
53.68
PE Ratio without NRI 10.80
ELFIF's PE Ratio without NRI is ranked higher than
78% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.11 vs. ELFIF: 10.80 )
Ranked among companies with meaningful PE Ratio without NRI only.
ELFIF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.03  Med: 7.87 Max: 53.68
Current: 10.8
4.03
53.68
Price-to-Owner-Earnings 7.41
ELFIF's Price-to-Owner-Earnings is ranked higher than
75% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.49 vs. ELFIF: 7.41 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ELFIF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.62  Med: 8.33 Max: 9.1
Current: 7.41
5.62
9.1
PB Ratio 0.68
ELFIF's PB Ratio is ranked higher than
90% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. ELFIF: 0.68 )
Ranked among companies with meaningful PB Ratio only.
ELFIF' s PB Ratio Range Over the Past 10 Years
Min: 0.5  Med: 0.7 Max: 1.24
Current: 0.68
0.5
1.24
PS Ratio 2.02
ELFIF's PS Ratio is ranked lower than
76% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. ELFIF: 2.02 )
Ranked among companies with meaningful PS Ratio only.
ELFIF' s PS Ratio Range Over the Past 10 Years
Min: 0.47  Med: 1.04 Max: 2.41
Current: 2.02
0.47
2.41
Price-to-Operating-Cash-Flow 9.75
ELFIF's Price-to-Operating-Cash-Flow is ranked higher than
51% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. ELFIF: 9.75 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ELFIF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.6  Med: 8.16 Max: 19.18
Current: 9.75
3.6
19.18
EV-to-EBIT 9.79
ELFIF's EV-to-EBIT is ranked higher than
53% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.44 vs. ELFIF: 9.79 )
Ranked among companies with meaningful EV-to-EBIT only.
ELFIF' s EV-to-EBIT Range Over the Past 10 Years
Min: -39.6  Med: 6.1 Max: 199.8
Current: 9.79
-39.6
199.8
EV-to-EBITDA 9.79
ELFIF's EV-to-EBITDA is ranked lower than
55% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. ELFIF: 9.79 )
Ranked among companies with meaningful EV-to-EBITDA only.
ELFIF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -39.6  Med: 6.1 Max: 199.8
Current: 9.79
-39.6
199.8
Shiller PE Ratio 13.61
ELFIF's Shiller PE Ratio is ranked higher than
86% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.57 vs. ELFIF: 13.61 )
Ranked among companies with meaningful Shiller PE Ratio only.
ELFIF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.38  Med: 13.03 Max: 18.81
Current: 13.61
8.38
18.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.65
ELFIF's Dividend Yield % is ranked lower than
99.99% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.81 vs. ELFIF: 0.65 )
Ranked among companies with meaningful Dividend Yield % only.
ELFIF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.71
Current: 0.65
0.06
0.71
Dividend Payout Ratio 0.05
ELFIF's Dividend Payout Ratio is ranked higher than
98% of the 142 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. ELFIF: 0.05 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ELFIF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0.01 Max: 0.07
Current: 0.05
0
0.07
3-Year Dividend Growth Rate 115.40
ELFIF's 3-Year Dividend Growth Rate is ranked higher than
96% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. ELFIF: 115.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ELFIF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -66.9  Med: 0 Max: 225.9
Current: 115.4
-66.9
225.9
Forward Dividend Yield % 0.65
ELFIF's Forward Dividend Yield % is ranked lower than
99.99% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. ELFIF: 0.65 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.37
ELFIF's 5-Year Yield-on-Cost % is ranked lower than
78% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.36 vs. ELFIF: 3.37 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ELFIF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.31  Med: 0.57 Max: 3.68
Current: 3.37
0.31
3.68

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.69
ELFIF's Price-to-Tangible-Book is ranked higher than
93% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 vs. ELFIF: 0.69 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ELFIF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.52  Med: 0.78 Max: 1.12
Current: 0.69
0.52
1.12
Price-to-Intrinsic-Value-Projected-FCF 0.88
ELFIF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
58% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. ELFIF: 0.88 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ELFIF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.67  Med: 0.96 Max: 1.59
Current: 0.88
0.67
1.59
Price-to-Median-PS-Value 1.95
ELFIF's Price-to-Median-PS-Value is ranked lower than
95% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. ELFIF: 1.95 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ELFIF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.37  Med: 0.74 Max: 2.07
Current: 1.95
0.37
2.07
Price-to-Graham-Number 0.57
ELFIF's Price-to-Graham-Number is ranked higher than
94% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. ELFIF: 0.57 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ELFIF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.34  Med: 0.53 Max: 0.97
Current: 0.57
0.34
0.97
Earnings Yield (Greenblatt) % 10.21
ELFIF's Earnings Yield (Greenblatt) % is ranked higher than
53% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.58 vs. ELFIF: 10.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ELFIF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 15.1 Max: 25
Current: 10.21
0.5
25

More Statistics

Revenue (TTM) (Mil) $1,272
EPS (TTM) $ 55.92
Beta0.66
Short Percentage of Float0.00%
52-Week Range $490.33 - 629.84
Shares Outstanding (Mil)4.02

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