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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 0.85
ELFIF's Cash-to-Debt is ranked lower than
67% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. ELFIF: 0.85 )
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: 0.85
Equity-to-Asset 0.25
ELFIF's Equity-to-Asset is ranked lower than
56% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. ELFIF: 0.25 )
Ranked among companies with meaningful Equity-to-Asset only.
ELFIF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.26 Max: 0.34
Current: 0.25
0.13
0.34
Interest Coverage 79.60
ELFIF's Interest Coverage is ranked higher than
55% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 34.80 vs. ELFIF: 79.60 )
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: 79.6
WACC vs ROIC
3.82%
13.42%
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 : 3/10

vs
industry
vs
history
Operating Margin % 42.14
ELFIF's Operating Margin % is ranked higher than
95% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. ELFIF: 42.14 )
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: 42.14
-9.11
52.52
Net Margin % 31.62
ELFIF's Net Margin % is ranked higher than
94% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.61 vs. ELFIF: 31.62 )
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: 31.62
-8.59
55.18
ROE % 13.25
ELFIF's ROE % is ranked higher than
75% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. ELFIF: 13.25 )
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: 13.25
-7.93
25.94
ROA % 3.26
ELFIF's ROA % is ranked higher than
67% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. ELFIF: 3.26 )
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: 3.26
-2.29
5.58
3-Year Revenue Growth Rate 2.60
ELFIF's 3-Year Revenue Growth Rate is ranked lower than
70% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 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
85% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.80 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
79% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.90 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 3 Warning Signs with E-L Financial Corp Ltd $ELFIF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ELFIF's 30-Y Financials

Financials


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

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Preferred stocks of E-L Financial Corp Ltd

SymbolPriceYieldDescription
ELF.PR.F.Canada25.265.255.3 % First Pfd Shs Series -1-
ELF.PR.H.Canada25.465.405 1/2 % Non-Cum Red First Pfd Shs Series 3
ELF.PR.G.Canada23.435.074 3/4 % Non-Cum Red First Pfd Shs Series 2

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 7339
Compare:NYSE:RLI, NAS:AFSI, NAS:NGHC, NAS:SIGI, NYSE:MCY, NAS:ANAT, NYSE:PRA, OTCPK:BZLYF, NAS:AGII, NAS:NAVG, NYSE:THG, NYSE:WTM, NAS:JRVR, NYSE:MBI, NAS:UFCS, NAS:AMSF, NYSE:STC, NAS:STFC, NAS:IPCC, NAS:SAFT » details
Traded in other countries:ELF.Canada,
Headquarter Location:Canada
E L Financial Corporation Ltd is a non-life insurance company. It offers property and casualty insurance products and manages investments in global equities held through direct and indirect holdings of common shares and investment funds.

E L Financial Corporation Ltd is a non-life insurance company based in Canada, while majority of its business is obtained from Europe. Its core offering is property and casualty insurance products, which it provides through two business divisions, namely of E-L Corporate and The Empire Life Insurance company. E-L Corporate accounts for the higher revenue of the two divisions. Its operations include the oversight of investments in global equities held through direct and indirect holdings of common shares, investment funds, closed-end investment companies and other private companies. The Empire Life operating segment underwrites life and health insurance policies and provides segregated funds, mutual funds and annuity products.

Ratios

vs
industry
vs
history
PE Ratio 6.02
ELFIF's PE Ratio is ranked higher than
95% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. ELFIF: 6.02 )
Ranked among companies with meaningful PE Ratio only.
ELFIF' s PE Ratio Range Over the Past 10 Years
Min: 3.52  Med: 7.52 Max: 53.68
Current: 6.02
3.52
53.68
PE Ratio without NRI 6.02
ELFIF's PE Ratio without NRI is ranked higher than
95% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.65 vs. ELFIF: 6.02 )
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: 7.52 Max: 53.68
Current: 6.02
4.03
53.68
Price-to-Owner-Earnings 9.51
ELFIF's Price-to-Owner-Earnings is ranked higher than
73% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.58 vs. ELFIF: 9.51 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ELFIF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.32  Med: 8.25 Max: 9.51
Current: 9.51
6.32
9.51
PB Ratio 0.70
ELFIF's PB Ratio is ranked higher than
93% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. ELFIF: 0.70 )
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: 0.7
0.5
1.24
PS Ratio 1.90
ELFIF's PS Ratio is ranked lower than
72% of the 138 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. ELFIF: 1.90 )
Ranked among companies with meaningful PS Ratio only.
ELFIF' s PS Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.06 Max: 2.41
Current: 1.9
0.5
2.41
Price-to-Operating-Cash-Flow 11.32
ELFIF's Price-to-Operating-Cash-Flow is ranked lower than
52% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.68 vs. ELFIF: 11.32 )
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: 3.63  Med: 8.13 Max: 19.16
Current: 11.32
3.63
19.16
EV-to-EBIT 5.10
ELFIF's EV-to-EBIT is ranked higher than
85% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.52 vs. ELFIF: 5.10 )
Ranked among companies with meaningful EV-to-EBIT only.
ELFIF' s EV-to-EBIT Range Over the Past 10 Years
Min: -54.4  Med: 5.7 Max: 199.8
Current: 5.1
-54.4
199.8
EV-to-EBITDA 5.10
ELFIF's EV-to-EBITDA is ranked higher than
84% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.49 vs. ELFIF: 5.10 )
Ranked among companies with meaningful EV-to-EBITDA only.
ELFIF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -54.4  Med: 5.7 Max: 199.8
Current: 5.1
-54.4
199.8
Shiller PE Ratio 14.21
ELFIF's Shiller PE Ratio is ranked higher than
90% of the 59 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.56 vs. ELFIF: 14.21 )
Ranked among companies with meaningful Shiller PE Ratio only.
ELFIF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.35  Med: 12.97 Max: 18.63
Current: 14.21
8.35
18.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.57
ELFIF's 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: 0.57 )
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: 0.57
0.06
0.71
Dividend Payout Ratio 0.03
ELFIF's Dividend Payout Ratio is ranked higher than
99% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.37 vs. ELFIF: 0.03 )
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: 0.03
0
0.07
3-Year Dividend Growth Rate 115.40
ELFIF's 3-Year Dividend Growth Rate is ranked higher than
96% of the 84 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 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: -7.2  Med: 0 Max: 115.4
Current: 115.4
-7.2
115.4
Forward Dividend Yield % 0.57
ELFIF's Forward Dividend Yield % is ranked lower than
99.99% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. ELFIF: 0.57 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.11
ELFIF's 5-Year Yield-on-Cost % is ranked lower than
90% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.51 vs. ELFIF: 3.11 )
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: 3.11
0.31
3.68

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.70
ELFIF's Price-to-Tangible-Book is ranked higher than
93% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.62 vs. ELFIF: 0.70 )
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: 0.75 Max: 1.23
Current: 0.7
0.52
1.23
Price-to-Intrinsic-Value-Projected-FCF 0.95
ELFIF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
58% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. ELFIF: 0.95 )
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: 0.64  Med: 0.97 Max: 1.73
Current: 0.95
0.64
1.73
Price-to-Median-PS-Value 1.80
ELFIF's Price-to-Median-PS-Value is ranked lower than
87% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. ELFIF: 1.80 )
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: 0.31  Med: 0.73 Max: 2.11
Current: 1.8
0.31
2.11
Price-to-Peter-Lynch-Fair-Value 0.24
ELFIF's Price-to-Peter-Lynch-Fair-Value is ranked higher than
98% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. ELFIF: 0.24 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ELFIF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.22  Med: 0.62 Max: 2.12
Current: 0.24
0.22
2.12
Price-to-Graham-Number 0.43
ELFIF's Price-to-Graham-Number is ranked higher than
96% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. ELFIF: 0.43 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ELFIF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.33  Med: 0.57 Max: 1.1
Current: 0.43
0.33
1.1
Earnings Yield (Greenblatt) % 19.60
ELFIF's Earnings Yield (Greenblatt) % is ranked higher than
87% of the 137 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. ELFIF: 19.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ELFIF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -22.7  Med: 13.55 Max: 25
Current: 19.6
-22.7
25
Forward Rate of Return (Yacktman) % 26.78
ELFIF's Forward Rate of Return (Yacktman) % is ranked higher than
71% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.64 vs. ELFIF: 26.78 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ELFIF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 26.78  Med: 26.8 Max: 26.8
Current: 26.78
26.78
26.8

More Statistics

Revenue (TTM) (Mil) $1,586.07
EPS (TTM) $ 113.61
Beta0.63
Short Percentage of Float0.00%
52-Week Range $490.33 - 667.00
Shares Outstanding (Mil)4.02

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