Ecclesiastical Insurance Office plc (ELLA.L)
ValueMarkers Composite Index
98% below intrinsic value ($110)
Ecclesiastical Insurance Office plc (ELLA.L) — VMCI valuation read
Ecclesiastical Insurance Office plc sits at VMCI 67/100, with the Financial Services sector median at 50. That 17-point spread is the first thing to note on ELLA.L: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on ELLA.L are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on ELLA.L: ELLA.L trades at 14.0x earnings, 22% below the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 0.6x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
ELLA.L rose 2.7% over the trailing 7 days, with a -21.5% read on a 30-day basis.
Ecclesiastical Insurance Office plc, together with its subsidiaries, provides general insurance services for businesses, organizations, and retail customers in the United Kingdom, Ireland, Canada, and Australia. The company offers faith and community, arts and culture, charity, car, home, legal protection, financial advice, cyber, nursery, fine art and collections, heritage business and leisure, church, education, art and private client, and real estate insurance products; and reinsurance services. It also provides investment management, insurance broking, and financial advisory services; and long-term policies to support funeral planning products. The company was incorporated in 1887 and is headquartered in Gloucester, United Kingdom. Ecclesiastical Insurance Office plc is a subsidiary of Benefact Group plc.
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