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STOCKS

E-L Financial Corp. (TSE:ELF)

TSX:ELF

ELF

E-L Financial

RESEARCH TOOLSreports

E-L Financial (ELF) Ratios

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47 Followers

E-L Financial Ratios

TSE:ELF's free cash flow for Q3 2025 was C$0.66. For the 2025 fiscal year, TSE:ELF's free cash flow was decreased by C$ and operating cash flow was C$0.65. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	6.62	3.60	8.61	14.10
Quick Ratio	0.00	6.62	3.60	10.60	18.05
Cash Ratio	0.00	2.24	3.56	1.19	3.36
Solvency Ratio	0.07	0.09	0.06	-0.02	0.06
Operating Cash Flow Ratio	0.00	2.76	5.94	1.56	1.84
Short-Term Operating Cash Flow Coverage	0.00	0.00	18.40	0.00	0.00
Net Current Asset Value	C$ -19.14B	C$ -17.28B	C$ -17.05B	C$ -13.56B	C$ -15.53B
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	0.03	0.03	0.02
Debt-to-Equity Ratio	0.07	0.07	0.10	0.10	0.08
Debt-to-Capital Ratio	0.06	0.07	0.09	0.09	0.08
Long-Term Debt-to-Capital Ratio	0.06	0.07	0.09	0.09	0.08
Financial Leverage Ratio	3.29	3.32	3.62	3.50	3.66
Debt Service Coverage Ratio	59.33	70.95	6.09	-18.20	36.83
Interest Coverage Ratio	67.96	81.59	102.94	-6.17	43.50
Debt to Market Cap	0.10	0.13	0.21	0.22	0.18
Interest Debt Per Share	1.84	1.85	219.77	205.77	175.38
Net Debt to EBITDA	0.12	0.11	0.50	-0.74	-0.02
Profitability Margins
Gross Profit Margin	56.22%	63.90%	145.23%	100.00%	100.00%
EBIT Margin	52.79%	62.55%	20.78%	76.46%	58.97%
EBITDA Margin	52.79%	63.22%	21.11%	75.97%	59.59%
Operating Profit Margin	52.03%	61.80%	96.94%	24.44%	59.44%
Pretax Profit Margin	52.03%	61.80%	46.30%	50.22%	64.44%
Net Profit Margin	39.92%	46.90%	34.70%	46.30%	50.17%
Continuous Operations Profit Margin	44.66%	52.31%	39.78%	67.68%	55.17%
Net Income Per EBT	76.72%	75.89%	74.96%	92.19%	77.86%
EBT Per EBIT	100.00%	100.00%	47.76%	205.46%	108.41%
Return on Assets (ROA)	4.47%	5.58%	3.71%	-1.39%	4.35%
Return on Equity (ROE)	15.55%	18.54%	13.43%	-4.88%	15.94%
Return on Capital Employed (ROCE)	5.83%	7.40%	10.41%	-0.74%	5.19%
Return on Invested Capital (ROIC)	0.00%	6.27%	8.93%	-0.99%	6.23%
Return on Tangible Assets	4.49%	5.60%	3.72%	-1.40%	4.36%
Earnings Yield	22.33%	35.20%	26.38%	-10.31%	35.46%
Efficiency Ratios
Receivables Turnover	95.52	3.40K	3.68K	-10.16	34.52
Payables Turnover	0.00	14.64	-14.84	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.40K	1.23K	197.84	-48.17	138.23
Asset Turnover	0.11	0.12	0.11	-0.03	0.09
Working Capital Turnover Ratio	0.00	5.32	2.43	-0.32	1.65
Cash Conversion Cycle	3.82	-24.83	24.69	-35.91	10.57
Days of Sales Outstanding	3.82	0.11	0.10	-35.91	10.57
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	24.94	-24.59	0.00	0.00
Operating Cycle	3.82	0.11	0.10	-35.91	10.57
Cash Flow Ratios
Operating Cash Flow Per Share	1.06	1.37	213.03	112.00	96.31
Free Cash Flow Per Share	1.06	1.37	213.03	107.25	95.29
CapEx Per Share	0.00	0.00	0.00	4.75	1.02
Free Cash Flow to Operating Cash Flow	1.00	1.00	1.00	0.96	0.99
Dividend Paid and CapEx Coverage Ratio	0.61	1.67	11.42	2.47	1.01
Capital Expenditure Coverage Ratio	0.00	0.00	0.00	23.57	94.47
Operating Cash Flow Coverage Ratio	0.60	0.77	1.00	0.57	0.58
Operating Cash Flow to Sales Ratio	0.11	0.14	0.27	-0.56	0.15
Free Cash Flow Yield	5.98%	10.30%	20.32%	12.00%	10.48%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	4.48	2.84	3.79	-9.70	2.82
Price-to-Sales (P/S) Ratio	1.82	1.33	1.32	-4.49	1.41
Price-to-Book (P/B) Ratio	0.66	0.53	0.51	0.47	0.45
Price-to-Free Cash Flow (P/FCF) Ratio	16.72	9.71	4.92	8.34	9.54
Price-to-Operating Cash Flow Ratio	16.38	9.71	4.92	7.98	9.44
Price-to-Earnings Growth (PEG) Ratio	0.77	-0.03	>-0.01	0.08	0.02
Price-to-Fair Value	0.66	0.53	0.51	0.47	0.45
Enterprise Value Multiple	3.57	2.21	6.74	-6.66	2.35
Enterprise Value	6.21B	4.69B	3.91B	3.58B	3.25B
EV to EBITDA	3.57	2.21	6.74	-6.66	2.35
EV to Sales	1.89	1.40	1.42	-5.06	1.40
EV to Free Cash Flow	17.27	10.20	5.32	9.39	9.45
EV to Operating Cash Flow	17.27	10.20	5.32	8.99	9.35
Tangible Book Value Per Share	29.90	28.68	2.37K	2.16K	2.37K
Shareholders’ Equity Per Share	26.36	25.16	2.06K	1.89K	2.02K
Tax and Other Ratios
Effective Tax Rate	0.14	0.15	0.14	0.08	0.14
Revenue Per Share	9.71	9.95	796.75	-199.03	642.85
Net Income Per Share	3.87	4.66	276.49	-92.15	322.53
Tax Burden	0.77	0.76	0.75	0.92	0.78
Interest Burden	0.99	0.99	2.23	0.66	1.09
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.03	<0.01	-0.28	0.08
Stock-Based Compensation to Revenue	0.00	0.00	<0.01	>-0.01	<0.01
Income Quality	0.24	0.26	0.67	-1.22	0.27

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