TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
110.9 CAD
-2.88 (-2.53%)
TOI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 68 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 is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- TOI had positive earnings in the past year.
- 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's Return On Assets of 0.25% is in line compared to the rest of the industry. TOI outperforms 58.82% of its industry peers.
- TOI's Return On Equity of 1.41% is fine compared to the rest of the industry. TOI outperforms 63.24% of its industry peers.
- TOI's Return On Invested Capital of 10.29% is amongst the best of the industry. TOI outperforms 85.29% of its industry peers.
- TOI had an Average Return On Invested Capital over the past 3 years of 13.20%. This is in line with the industry average of 12.48%.
| 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
- The Profit Margin of TOI (0.40%) is better than 63.24% of its industry peers.
- TOI's Profit Margin has declined in the last couple of years.
- With an excellent Operating Margin value of 15.38%, TOI belongs to the best of the industry, outperforming 80.88% of the companies in the same industry.
- TOI's Operating Margin has been stable in the last couple of years.
- With an excellent Gross Margin value of 90.36%, TOI belongs to the best of the industry, outperforming 95.59% of the companies in the same industry.
- 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
- TOI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- TOI has more shares outstanding than it did 1 year ago.
- TOI has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for TOI is higher compared to a year ago.
2.2 Solvency
- TOI has an Altman-Z score of 2.75. This is not the best score and indicates that TOI is in the grey zone with still only limited risk for bankruptcy at the moment.
- TOI has a Altman-Z score (2.75) which is comparable to the rest of the industry.
- TOI has a debt to FCF ratio of 2.24. This is a good value and a sign of high solvency as TOI would need 2.24 years to pay back of all of its debts.
- TOI has a better Debt to FCF ratio (2.24) than 72.06% of its industry peers.
- A Debt/Equity ratio of 1.88 is on the high side and indicates that TOI has dependencies on debt financing.
- TOI's Debt to Equity ratio of 1.88 is on the low side compared to the rest of the industry. TOI is outperformed by 69.12% 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 | 2.75 |
ROIC/WACC1
WACC10.3%
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 64.71% 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.
- Looking at the Quick ratio, with a value of 0.87, TOI is doing worse than 66.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 |
3. Growth
3.1 Past
- TOI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 167.65%, which is quite impressive.
- Measured over the past years, TOI shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.92% on average per year.
- The Revenue has grown by 19.42% in the past year. This is quite good.
- 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 33.72% on average per year.
- TOI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.64% yearly.
EPS Next Y44.51%
EPS Next 2Y48.92%
EPS Next 3Y33.72%
EPS Next 5YN/A
Revenue Next Year19.89%
Revenue Next 2Y19.19%
Revenue Next 3Y17.64%
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.
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- TOI is valuated quite expensively with a Price/Earnings ratio of 25.15.
- Compared to the rest of the industry, the Price/Earnings ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 77.94% of the companies listed in the same industry.
- TOI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 27.90, TOI can be considered very expensive at the moment.
- Based on the Price/Forward Earnings ratio, TOI is valued a bit cheaper than 66.18% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of TOI to the average of the S&P500 Index (23.94), we can say TOI is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.15 | ||
| Fwd PE | 27.9 |
4.2 Price Multiples
- TOI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TOI is cheaper than 72.06% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of TOI indicates a rather cheap valuation: TOI is cheaper than 82.35% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.29 | ||
| EV/EBITDA | 14.2 |
4.3 Compensation for Growth
- The 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 33.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y48.92%
EPS Next 3Y33.72%
5. Dividend
5.1 Amount
- No dividends for TOI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX-V:TOI (1/20/2026, 7:00:00 PM)
110.9
-2.88 (-2.53%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-10 2026-02-10
Inst Owners21.35%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap9.24B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts83.64
Price Target197.54 (78.12%)
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)-0.94%
PT rev (3m)-9.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)32.22%
EPS NY rev (1m)-22.91%
EPS NY rev (3m)-11.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.32%
Revenue NY rev (1m)-1.62%
Revenue NY rev (3m)-2.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.15 | ||
| Fwd PE | 27.9 | ||
| P/S | 3.87 | ||
| P/FCF | 15.29 | ||
| P/OCF | 14.88 | ||
| P/B | 13.55 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.2 |
EPS(TTM)4.41
EY3.98%
EPS(NY)3.98
Fwd EY3.58%
FCF(TTM)7.25
FCFY6.54%
OCF(TTM)7.45
OCFY6.72%
SpS28.69
BVpS8.18
TBVpS-14.53
PEG (NY)0.57
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 | 2.75 |
F-Score4
WACC10.3%
ROIC/WACC1
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 Y44.51%
EPS Next 2Y48.92%
EPS Next 3Y33.72%
EPS Next 5YN/A
Revenue 1Y (TTM)19.42%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%23.02%
Revenue Next Year19.89%
Revenue Next 2Y19.19%
Revenue Next 3Y17.64%
Revenue Next 5YN/A
EBIT growth 1Y21.21%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year118.11%
EBIT Next 3Y43.94%
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 6 / 10 to TOPICUS.COM INC-SUB VOTING (TOI.CA). This can be considered as Fairly Valued.
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 44.51% in the next year.