Ecclesiastical Insurance Office plc (ELLA) Fair Value & Analysis
Financial Services · GB · Market cap 502M GBX
Fair value as of: Jul 16, 2026
From 6 valuation models · updated 25 days ago
Share price +2.5% over the past month.
A solid business, screening 22% undervalued on our models.
What matters now
- Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range £0.9508 – £1.49 · fair‑value band £1.31 – £2.18 · the £1.44 price screens below the £1.75 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Ecclesiastical Insurance Office plc (ELLA) currently trades at £1.44, while our model-based Fair Value estimate is £1.75, implying the stock looks roughly 21.5% undervalued today. The Quality Score stands at 55/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Over the trailing twelve months, Ecclesiastical Insurance Office plc generated revenue of £749M at a net margin of 10.0%. Revenue grew 5.2% year over year. It earns a return on equity of 11.6%. The balance sheet holds a net cash position of £78.6M. Fundamentals as of Jul 16, 2026
Our scenario range runs from £1.31 (bear case) to £2.18 (bull case); at £1.44, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at 1% fair-value upside, at 22%, ELLA screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Dividend Discount (£2.65) versus Asset-Based (£1.09). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 61
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Ecclesiastical Insurance Office plc provides non-life insurance and reinsurance to individuals and corporate customers in the United Kingdom, Ireland, Australia, and Canada. The company offers property, liability, and miscellaneous financial loss insurance; and life insurance. It serves its products through insurance brokers.
Full company description
Ecclesiastical Insurance Office plc provides non-life insurance and reinsurance to individuals and corporate customers in the United Kingdom, Ireland, Australia, and Canada. The company offers property, liability, and miscellaneous financial loss insurance; and life insurance. It serves its products through insurance brokers. The company was incorporated in 1887 and is based in Gloucester, United Kingdom. Ecclesiastical Insurance Office plc operates as a subsidiary of Benefact Group plc.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2020 – FY2024 · reported fiscal years
Ecclesiastical Insurance Office plc reported revenue of £772M in FY2024 versus £375M in FY2020, a compound +19.8%/yr. Reported net income was £47.1M in FY2024.
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Peer Group
Insurance - Life · 95 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Life median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥38.72 | ¥70.87 | +83% |
| Ping An Insurance (Group) Company 601318 | ¥49.60 | ¥96.76 | +95% |
| AIA Group 1299 | HK$75.55 | HK$7.88 | -90% |
| Manulife Financial Corporation MFC | C$58.52 | C$45.13 | -23% |
| Great-West Lifeco Inc GWO | C$92.34 | C$59.64 | -35% |
| Life Insurance Corporation LICI | ₹438.30 | ₹590.43 | +35% |
| Fubon Financial Holding 2881 | 124.50 TWD | 115.05 TWD | -8% |
| Cathay Financial Holding 2882 | 94.00 TWD | 94.95 TWD | +1% |
| Samsung Life Insurance Co 032830 | 337,500 KRW | 166,710 KRW | -51% |
| China Pacific Insurance (Group) Co 601601 | ¥29.75 | ¥59.50 | +100% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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