Echelon Financial Holdings Inc., through its subsidiaries, provides property and casualty insurance products and services in Canada.
Flawless balance sheet and overvalued.
Share Price & News
How has Echelon Financial Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: EFH has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: EFH underperformed the Canadian Insurance industry which returned -18.3% over the past year.
Return vs Market: EFH underperformed the Canadian Market which returned -11.5% over the past year.
Price Volatility Vs. Market
How volatile is Echelon Financial Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StIf You Had Bought Echelon Financial Holdings (TSE:EFH) Shares Five Years Ago You'd Have A Total Return Of 6.6%
1 month ago | Simply Wall StCan We See Significant Institutional Ownership On The Echelon Financial Holdings Inc. (TSE:EFH) Share Register?
2 months ago | Simply Wall StShould You Be Pleased About The CEO Pay At Echelon Financial Holdings Inc.'s (TSE:EFH)
Is Echelon Financial Holdings undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate EFH's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate EFH's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: EFH is poor value based on its PE Ratio (564.8x) compared to the Insurance industry average (10.4x).
PE vs Market: EFH is poor value based on its PE Ratio (564.8x) compared to the Canadian market (12.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate EFH's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: EFH is good value based on its PB Ratio (0.8x) compared to the CA Insurance industry average (0.8x).
How is Echelon Financial Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Insurance industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Echelon Financial Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Echelon Financial Holdings's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Echelon Financial Holdings competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Insurance industry.
How has Echelon Financial Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EFH has a high level of non-cash earnings.
Growing Profit Margin: EFH became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: EFH's earnings have declined by -52% per year over the past 5 years.
Accelerating Growth: EFH has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: EFH has become profitable in the last year, making it difficult to compare its past year earnings growth to the Insurance industry (-5.8%).
Return on Equity
High ROE: EFH's Return on Equity (-0.07%) is considered low.
How is Echelon Financial Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: EFH's short term assets (CA$106.0M) exceed its short term liabilities (CA$47.1M).
Long Term Liabilities: EFH's short term assets (CA$106.0M) exceed its long term liabilities (CA$636.0K).
Debt to Equity History and Analysis
Debt Level: EFH is debt free.
Reducing Debt: EFH has not had any debt for past 5 years.
Debt Coverage: EFH has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: EFH has no debt, therefore coverage of interest payments is not a concern.
What is Echelon Financial Holdings's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate EFH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate EFH's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if EFH's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if EFH's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: EFH is not paying a notable dividend for the Canadian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of EFH's dividend in 3 years as they are not forecast to pay a notable one for the Canadian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Serge Lavoie has been Chief Executive Officer and President of Echelon Financial Holdings Inc., since May 5, 2016. He served as the Quebec President at GDI Integrated Facility Services at EGI Financial ...
CEO Compensation Analysis
Compensation vs Market: Serge's total compensation ($USD713.09K) is above average for companies of similar size in the Canadian market ($USD158.99K).
Compensation vs Earnings: Serge's compensation has been consistent with company performance over the past year.
|VP, Secretary & General Counsel||no data||CA$451.34k||0.20% CA$137.6k|
|VP & Chief Actuary||2.67yrs||CA$351.88k||no data|
|CFO & Secretary||no data||no data||no data|
|Manager of Investor Relations||no data||no data||no data|
|Vice President of Human Resources||no data||CA$273.93k||0.056% CA$38.7k|
|Group President of Insurance||0.92yr||no data||no data|
Experienced Management: EFH's management team is considered experienced (2.7 years average tenure).
|Independent Director||3yrs||CA$110.00k||0.042% CA$28.7k|
|Independent Director||4.42yrs||CA$90.00k||0.67% CA$460.0k|
|Independent Director||4yrs||CA$100.00k||no data|
|Independent Chairman of the Board||3yrs||CA$120.00k||0.29% CA$201.3k|
|Independent Director||2.33yrs||CA$90.00k||no data|
Experienced Board: EFH's board of directors are considered experienced (3.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Echelon Financial Holdings Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Echelon Financial Holdings Inc.
- Ticker: EFH
- Exchange: TSX
- Founded: 1997
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Market Cap: CA$68.875m
- Shares outstanding: 11.98m
- Website: https://www.efh.ca
Number of Employees
- Echelon Financial Holdings Inc.
- 2800 Skymark Avenue
- Suite 200
- L4W 5A6
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|EFH||TSX (The Toronto Stock Exchange)||Yes||Common Shares||CA||CAD||Dec 2005|
|EGFH.F||OTCPK (Pink Sheets LLC)||Yes||Common Shares||US||USD||Dec 2005|
Echelon Financial Holdings Inc., through its subsidiaries, provides property and casualty insurance products and services in Canada. It operates in two segments, Personal Lines and Commercial Lines. The Personal Lines segment primarily underwrites automobile and personal property insurance. The Commercial Lines segment designs and underwrites commercial property and automobile insurance. The company also underwrites liability insurance. It distributes its insurance products through a network of 17 brokers in 68 offices. The company was formerly known as EGI Financial Holdings Inc. and changed its name to Echelon Financial Holdings Inc. in May 2015. Echelon Financial Holdings Inc. was incorporated in 1997 and is headquartered in Mississauga, Canada.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/05/30 04:13|
|End of Day Share Price||2020/05/28 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.