TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
TSX-V:TOI • CA89072T1021
83.73 CAD
-1.55 (-1.82%)
Last: Feb 17, 2026, 07:00 PM
Overall TOI gets a fundamental rating of 5 out of 10. We evaluated TOI against 69 industry peers in the Software industry. TOI has a medium profitability rating, but doesn't score so well on its financial health evaluation. TOI is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
- In the past year TOI was profitable.
- In the past year TOI had a positive cash flow from operations.
- Of the past 5 years TOI 4 years were profitable.
- TOI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- TOI has a Return On Assets of 0.25%. This is in the better half of the industry: TOI outperforms 60.87% of its industry peers.
- TOI has a better Return On Equity (1.41%) than 63.77% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 10.29%, TOI belongs to the top of the industry, outperforming 84.06% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for TOI is in line with the industry average of 12.35%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 1.41% | ||
| ROIC | 10.29% |
ROA(3y)5.03%
ROA(5y)-31.64%
ROE(3y)23.53%
ROE(5y)N/A
ROIC(3y)13.2%
ROIC(5y)13.96%
1.3 Margins
- Looking at the Profit Margin, with a value of 0.40%, TOI is in the better half of the industry, outperforming 65.22% of the companies in the same industry.
- TOI's Profit Margin has declined in the last couple of years.
- TOI's Operating Margin of 15.38% is fine compared to the rest of the industry. TOI outperforms 79.71% of its industry peers.
- TOI's Operating Margin has been stable in the last couple of years.
- TOI has a better Gross Margin (90.36%) than 95.65% of its industry peers.
- In the last couple of years the Gross Margin of TOI has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.38% | ||
| PM (TTM) | 0.4% | ||
| GM | 90.36% |
OM growth 3Y1.27%
OM growth 5Y1.03%
PM growth 3YN/A
PM growth 5Y-8.59%
GM growth 3Y0.4%
GM growth 5Y0.29%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so TOI is still creating some value.
- The number of shares outstanding for TOI has been increased compared to 1 year ago.
- The number of shares outstanding for TOI has been increased compared to 5 years ago.
- The debt/assets ratio for TOI is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.30 indicates that TOI is not a great score, but indicates only limited risk for bankruptcy at the moment.
- TOI has a Altman-Z score (2.30) which is comparable to the rest of the industry.
- The Debt to FCF ratio of TOI is 2.24, which is a good value as it means it would take TOI, 2.24 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 2.24, TOI is doing good in the industry, outperforming 72.46% of the companies in the same industry.
- A Debt/Equity ratio of 1.88 is on the high side and indicates that TOI has dependencies on debt financing.
- The Debt to Equity ratio of TOI (1.88) is worse than 66.67% of its industry peers.
- Even though the debt/equity ratio score it not favorable for TOI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.88 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | 2.3 |
ROIC/WACC0.99
WACC10.37%
2.3 Liquidity
- A Current Ratio of 0.87 indicates that TOI may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.87, TOI is doing worse than 62.32% of the companies in the same industry.
- A Quick Ratio of 0.87 indicates that TOI may have some problems paying its short term obligations.
- With a Quick ratio value of 0.87, TOI is not doing good in the industry: 62.32% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 167.65% over the past year.
- TOI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.92% yearly.
- TOI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.42%.
- TOI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.41% yearly.
EPS 1Y (TTM)167.65%
EPS 3YN/A
EPS 5Y-9.92%
EPS Q2Q%514.29%
Revenue 1Y (TTM)19.42%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%23.02%
3.2 Future
- Based on estimates for the next years, TOI will show a very strong growth in Earnings Per Share. The EPS will grow by 34.36% on average per year.
- Based on estimates for the next years, TOI will show a quite strong growth in Revenue. The Revenue will grow by 18.20% on average per year.
EPS Next Y119.92%
EPS Next 2Y49.99%
EPS Next 3Y34.36%
EPS Next 5YN/A
Revenue Next Year21.87%
Revenue Next 2Y20.05%
Revenue Next 3Y18.2%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 18.99, the valuation of TOI can be described as rather expensive.
- TOI's Price/Earnings ratio is a bit cheaper when compared to the industry. TOI is cheaper than 76.81% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.16. TOI is valued slightly cheaper when compared to this.
- Based on the Price/Forward Earnings ratio of 20.76, the valuation of TOI can be described as rather expensive.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 68.12% of the companies listed in the same industry.
- TOI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.99 | ||
| Fwd PE | 20.76 |
4.2 Price Multiples
- 72.46% of the companies in the same industry are more expensive than TOI, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, TOI is valued cheaply inside the industry as 84.06% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.54 | ||
| EV/EBITDA | 10.62 |
4.3 Compensation for Growth
- TOI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- TOI has a very decent profitability rating, which may justify a higher PE ratio.
- TOI's earnings are expected to grow with 34.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y49.99%
EPS Next 3Y34.36%
5. Dividend
5.1 Amount
- TOI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX-V:TOI (2/17/2026, 7:00:00 PM)
83.73
-1.55 (-1.82%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-24 2026-02-24
Inst Owners21.35%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap6.98B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts83.64
Price Target187.34 (123.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend2.5
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)106.66%
Min EPS beat(2)-34.57%
Max EPS beat(2)247.9%
EPS beat(4)1
Avg EPS beat(4)43.26%
Min EPS beat(4)-37.36%
Max EPS beat(4)247.9%
EPS beat(8)1
Avg EPS beat(8)7.7%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.14%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-3.71%
Revenue beat(4)1
Avg Revenue beat(4)-1.91%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)3.2%
Revenue beat(8)1
Avg Revenue beat(8)-2.98%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-5.16%
PT rev (3m)-14.37%
EPS NQ rev (1m)18.49%
EPS NQ rev (3m)56.67%
EPS NY rev (1m)52.19%
EPS NY rev (3m)34.28%
Revenue NQ rev (1m)-0.91%
Revenue NQ rev (3m)-2.21%
Revenue NY rev (1m)1.65%
Revenue NY rev (3m)-0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.99 | ||
| Fwd PE | 20.76 | ||
| P/S | 2.92 | ||
| P/FCF | 11.54 | ||
| P/OCF | 11.24 | ||
| P/B | 10.23 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.62 |
EPS(TTM)4.41
EY5.27%
EPS(NY)4.03
Fwd EY4.82%
FCF(TTM)7.25
FCFY8.66%
OCF(TTM)7.45
OCFY8.9%
SpS28.69
BVpS8.18
TBVpS-14.53
PEG (NY)0.16
PEG (5Y)N/A
Graham Number28.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 1.41% | ||
| ROCE | 16.34% | ||
| ROIC | 10.29% | ||
| ROICexc | 12.18% | ||
| ROICexgc | 54.87% | ||
| OM | 15.38% | ||
| PM (TTM) | 0.4% | ||
| GM | 90.36% | ||
| FCFM | 25.28% |
ROA(3y)5.03%
ROA(5y)-31.64%
ROE(3y)23.53%
ROE(5y)N/A
ROIC(3y)13.2%
ROIC(5y)13.96%
ROICexc(3y)16.09%
ROICexc(5y)16.51%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)19.8%
ROCE(5y)19.81%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y8.6%
ROICexc growth 5Y6.98%
OM growth 3Y1.27%
OM growth 5Y1.03%
PM growth 3YN/A
PM growth 5Y-8.59%
GM growth 3Y0.4%
GM growth 5Y0.29%
F-Score4
Asset Turnover0.61
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.88 | ||
| Debt/FCF | 2.24 | ||
| Debt/EBITDA | 1.88 | ||
| Cap/Depr | 5.24% | ||
| Cap/Sales | 0.69% | ||
| Interest Coverage | 11.18 | ||
| Cash Conversion | 90.94% | ||
| Profit Quality | 6284.44% | ||
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 | ||
| Altman-Z | 2.3 |
F-Score4
WACC10.37%
ROIC/WACC0.99
Cap/Depr(3y)5.14%
Cap/Depr(5y)4.76%
Cap/Sales(3y)0.71%
Cap/Sales(5y)0.67%
Profit Quality(3y)357.14%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)167.65%
EPS 3YN/A
EPS 5Y-9.92%
EPS Q2Q%514.29%
EPS Next Y119.92%
EPS Next 2Y49.99%
EPS Next 3Y34.36%
EPS Next 5YN/A
Revenue 1Y (TTM)19.42%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%23.02%
Revenue Next Year21.87%
Revenue Next 2Y20.05%
Revenue Next 3Y18.2%
Revenue Next 5YN/A
EBIT growth 1Y21.21%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year98.27%
EBIT Next 3Y44.62%
EBIT Next 5YN/A
FCF growth 1Y66.75%
FCF growth 3Y25.66%
FCF growth 5Y23.36%
OCF growth 1Y65.6%
OCF growth 3Y25.37%
OCF growth 5Y23.43%
TOPICUS.COM INC-SUB VOTING / TOI.CA FAQ
Can you provide the ChartMill fundamental rating for TOPICUS.COM INC-SUB VOTING?
ChartMill assigns a fundamental rating of 5 / 10 to TOI.CA.
Can you provide the valuation status for TOPICUS.COM INC-SUB VOTING?
ChartMill assigns a valuation rating of 7 / 10 to TOPICUS.COM INC-SUB VOTING (TOI.CA). This can be considered as Undervalued.
How profitable is TOPICUS.COM INC-SUB VOTING (TOI.CA) stock?
TOPICUS.COM INC-SUB VOTING (TOI.CA) has a profitability rating of 6 / 10.
Can you provide the financial health for TOI stock?
The financial health rating of TOPICUS.COM INC-SUB VOTING (TOI.CA) is 3 / 10.
Can you provide the expected EPS growth for TOI stock?
The Earnings per Share (EPS) of TOPICUS.COM INC-SUB VOTING (TOI.CA) is expected to grow by 119.92% in the next year.