Stock ELF E-L FINANCIAL CORPORATION LIMITED
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Financials E-L Financial Corporation Limited

Equities

ELF

CA2685751075

Life & Health Insurance

Market Closed - Toronto S.E.
Other stock markets
 02:13:50 2024-04-26 pm EDT 		5-day change 1st Jan Change
1,094 CAD +1.89% Intraday chart for E-L Financial Corporation Limited +1.23% +4.39%
Apr. 22 E-L Financial Declares Special $60 per Share Cash Dividend MT
Apr. 22 North American Morning Briefing : Stock Futures -2- DJ

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 2,906 3,255 2,766 3,288 3,097 3,626
Enterprise Value (EV) 1 3,062 3,416 2,941 3,254 3,497 3,919
P/E ratio 187 x 4.83 x 6.39 x 3.2 x -16.7 x 4.27 x
Yield 0.68% 0.6% 0.65% 0.96% 1.12% 1.43%
Capitalization / Revenue 2.7 x 1.11 x 1.09 x 1.32 x -4.78 x 1.32 x
EV / Revenue 2.84 x 1.17 x 1.16 x 1.31 x -5.4 x 1.42 x
EV / EBITDA 25.4 x 3.24 x 3.94 x 2.11 x -11.1 x 2.63 x
EV / FCF 17.7 x 5.79 x 49.2 x 3.47 x -8.28 x 4.18 x
FCF Yield 5.64% 17.3% 2.03% 28.8% -12.1% 23.9%
Price to Book 0.55 x 0.54 x 0.44 x 0.47 x 0.48 x 0.51 x
Nbr of stocks (in thousands) 3,927 3,927 3,616 3,615 3,464 3,460
Reference price 2 740.0 829.0 765.0 909.5 894.0 1,048
Announcement Date 3/7/19 3/11/20 3/10/21 3/10/22 3/9/23 3/8/24
1CAD in Million2CAD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 1,077 2,930 2,536 2,482 -647.4 2,753
EBITDA 1 120.4 1,055 746.5 1,544 -316.1 1,489
EBIT 1 109.8 1,044 734.3 1,529 -327 1,480
Operating Margin 10.2% 35.62% 28.95% 61.6% 50.52% 53.76%
Earnings before Tax (EBT) 1 89.23 1,027 713.5 1,497 -355 1,274
Net income 1 28.05 747.9 503.7 1,166 -173.1 955.3
Net margin 2.61% 25.52% 19.86% 46.96% 26.73% 34.7%
EPS 2 3.960 171.6 119.7 284.4 -53.47 245.2
Free Cash Flow 1 172.8 590.3 59.8 937 -422.3 937.9
FCF margin 16.04% 20.15% 2.36% 37.74% 65.24% 34.07%
FCF Conversion (EBITDA) 143.54% 55.96% 8.01% 60.7% - 62.99%
FCF Conversion (Net income) 615.89% 78.93% 11.87% 80.37% - 98.18%
Dividend per Share 2 5.000 5.000 5.000 8.750 10.00 15.00
Announcement Date 3/7/19 3/11/20 3/10/21 3/10/22 3/9/23 3/8/24
1CAD in Million2CAD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 156 161 175 - 400 293
Net Cash position 1 - - - 33.9 - -
Leverage (Debt/EBITDA) 1.298 x 0.1526 x 0.2338 x - -1.265 x 0.1965 x
Free Cash Flow 1 173 590 59.8 937 -422 938
ROE (net income / shareholders' equity) 0.87% 12.4% 8.03% 15.8% -4.01% 14%
ROA (Net income/ Total Assets) 0.31% 2.89% 1.88% 3.69% -0.81% 3.74%
Assets 1 8,987 25,850 26,726 31,556 21,291 25,568
Book Value Per Share 2 1,339 1,532 1,720 1,944 1,851 2,036
Cash Flow per Share 2 84.70 77.20 118.0 176.0 87.40 131.0
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 3/7/19 3/11/20 3/10/21 3/10/22 3/9/23 3/8/24
1CAD in Million2CAD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Life & Health Insurance

1st Jan change Capi.
E-L FINANCIAL CORPORATION LIMITED Stock E-L Financial Corporation Limited
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-18.42% 24.71B
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