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E-L Financial Corporation Limited ELFIF

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Price alert · ELFIF

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14.04 USD -0.11 -0.78%

At close · Oct 30

14.04 Day range 14.04
11.02 52-week range 14.38
YTD
+17.29%
1 year
+21.14%
Open
14.04
Prev close
14.15
Mkt cap
4.85B
Vol
200
Avg vol
5.54K
EPS
3.71
P/E
3.78
More statistics
Low
14.04
High
14.04

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Financial health

Altman Z-Score

0.99 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+4 / 5 overall

  • DCF 2
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 4.5×
FY 2016: 0.1×FY 2017: 0.0×FY 2018: 1.2×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.0×FY 2022: -0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 4.5×
FY 2016 5y median 0.0× FY 2025
P/S 2.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: -0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 2.0×
FY 2016 5y median 0.0× FY 2025
P/B 0.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.6×
FY 2016 5y median 0.0× FY 2025
P/FCF 14.5×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 14.5×
FY 2016 5y median 0.1× FY 2025
EV/EBITDA 3.3×
FY 2016: 0.2×FY 2017: 0.5×FY 2018: 1.6×FY 2019: 0.2×FY 2020: 0.3×FY 2021: -0.0×FY 2022: -0.8×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 3.3×
FY 2016 5y median 0.1× FY 2025
EV/Sales 2.0×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.1×FY 2021: -0.0×FY 2022: -0.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 2.0×
FY 2016 5y median 0.1× FY 2025
FCF Yield 6.9%
FY 2016: 1167.7%FY 2017: 1114.5%FY 2018: 1136.5%FY 2019: 1278.4%FY 2020: 1111.4%FY 2021: 1049.9%FY 2022: 1194.6%FY 2023: 1871.2%FY 2024: 924.9%FY 2025: 6.9%
FY 2016 5y median 1049.9% FY 2025

Profitability

Gross Margin 60.7%
FY 2016: 38.8%FY 2017: 46.5%FY 2018: 29.9%FY 2019: 43.0%FY 2020: 38.6%FY 2021: 69.2%FY 2022: 64.3%FY 2023: 47.4%FY 2024: 63.9%FY 2025: 60.7%
FY 2016 5y median 63.9% FY 2025
Operating Margin 57.3%
FY 2016: 25.9%FY 2017: 38.3%FY 2018: 8.4%FY 2019: 35.3%FY 2020: 27.8%FY 2021: 64.4%FY 2022: 47.6%FY 2023: 42.5%FY 2024: 61.8%FY 2025: 57.3%
FY 2016 5y median 57.3% FY 2025
Net Margin 43.0%
FY 2016: 19.7%FY 2017: 28.4%FY 2018: 2.6%FY 2019: 25.7%FY 2020: 19.6%FY 2021: 50.2%FY 2022: 28.1%FY 2023: 31.9%FY 2024: 46.9%FY 2025: 43.0%
FY 2016 5y median 43.0% FY 2025
ROE 13.6%
FY 2016: 6.6%FY 2017: 11.9%FY 2018: 0.5%FY 2019: 11.8%FY 2020: 7.7%FY 2021: 15.9%FY 2022: -4.9%FY 2023: 13.3%FY 2024: 18.5%FY 2025: 13.6%
FY 2016 5y median 13.6% FY 2025
ROIC 4.8%
FY 2016: 51.0%FY 2017: 120.5%FY 2018: 9.2%FY 2019: 147.0%FY 2020: 92.6%FY 2021: 6.8%FY 2022: -3.0%FY 2023: 4.3%FY 2024: 6.2%FY 2025: 4.8%
FY 2016 5y median 4.8% FY 2025
ROA 4.1%
FY 2016: 1.6%FY 2017: 2.9%FY 2018: 0.1%FY 2019: 3.1%FY 2020: 2.0%FY 2021: 4.4%FY 2022: -1.4%FY 2023: 3.7%FY 2024: 5.6%FY 2025: 4.1%
FY 2016 5y median 4.1% FY 2025

Growth (YoY)

Revenue -14.3%
FY 2016: -14.9%FY 2017: 39.8%FY 2018: -54.3%FY 2019: 172.4%FY 2020: -11.8%FY 2021: -9.4%FY 2022: -150.7%FY 2023: 354.3%FY 2024: 11.7%FY 2025: -14.3%
FY 2016 FY 2025
Operating Income -20.6%
FY 2016: -46.5%FY 2017: 107.0%FY 2018: -90.0%FY 2019: 1051.1%FY 2020: -30.5%FY 2021: 109.9%FY 2022: -137.5%FY 2023: 327.0%FY 2024: 62.3%FY 2025: -20.6%
FY 2016 FY 2025
EPS (diluted) -99.2%
FY 2016: -37.7%FY 2017: 101.6%FY 2018: -95.8%FY 2019: 2489.5%FY 2020: -31.0%FY 2021: 145.2%FY 2022: -133.8%FY 2023: 355.4%FY 2024: 73.2%FY 2025: -99.2%
FY 2016 FY 2025
Free Cash Flow -15.8%
FY 2016: 76.5%FY 2017: -0.4%FY 2018: 14.5%FY 2019: 4.2%FY 2020: -20.5%FY 2021: 7.2%FY 2022: 10.6%FY 2023: 93.2%FY 2024: -37.6%FY 2025: -15.8%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 3.3×FY 2017: 2.8×FY 2018: 2.4×FY 2019: 2.1×FY 2020: 2.9×FY 2021: 14.1×FY 2022: 8.6×FY 2023: 3.6×FY 2024: 4.5×FY 2025: 1.1×
FY 2016 5y median 4.5× FY 2025
Quick Ratio 1.1×
FY 2016: 6.9×FY 2017: 85.5×FY 2018: 5.1×FY 2019: 2.1×FY 2020: 2.9×FY 2021: 14.1×FY 2022: 10.6×FY 2023: 3.6×FY 2024: 4.5×FY 2025: 1.1×
FY 2016 5y median 4.5× FY 2025
Debt / Equity 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.0×
FY 2016: 0.2×FY 2017: 0.5×FY 2018: 1.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: -0.0×FY 2022: -0.8×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Interest Coverage 65.1×
FY 2016: 46.6×FY 2017: 48.2×FY 2018: 4.3×FY 2019: 61.8×FY 2020: 34.3×FY 2021: 47.2×FY 2022: -27.1×FY 2023: 49.2×FY 2024: 81.6×FY 2025: 65.1×
FY 2016 5y median 49.2× FY 2025

Dividends

Dividend Yield 10.5%
FY 2016: 106.9%FY 2017: 117.3%FY 2018: 104.5%FY 2019: 112.8%FY 2020: 461.5%FY 2021: 1036.4%FY 2022: 452.7%FY 2023: 163.8%FY 2024: 553.8%FY 2025: 10.5%
FY 2016 5y median 452.7% FY 2025
Payout Ratio 47.7%
FY 2016: 9.4%FY 2017: 5.4%FY 2018: 127.1%FY 2019: 4.8%FY 2020: 26.5%FY 2021: 29.2%FY 2022: -43.6%FY 2023: 6.7%FY 2024: 17.5%FY 2025: 47.7%
FY 2016 5y median 17.5% FY 2025

Annual · latest fiscal year ends 2025-12-31