TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
125.34 CAD
-2.26 (-1.77%)
Overall TOI gets a fundamental rating of 5 out of 10. We evaluated TOI against 63 industry peers in the Software industry. There are concerns on the financial health of TOI while its profitability can be described as average. TOI is growing strongly while it is still valued neutral. This is a good 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.
Each year in the past 5 years TOI had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.25%, TOI is in the better half of the industry, outperforming 61.90% of the companies in the same industry.
Looking at the Return On Equity, with a value of 1.41%, TOI is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
TOI has a better Return On Invested Capital (10.29%) than 82.54% 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 12.27%.
| 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
TOI has a Profit Margin of 0.40%. This is in the better half of the industry: TOI outperforms 65.08% of its industry peers.
In the last couple of years the Profit Margin of TOI has declined.
With a decent Operating Margin value of 15.38%, TOI is doing good in the industry, outperforming 79.37% of the companies in the same industry.
In the last couple of years the Operating Margin of TOI has remained more or less at the same level.
With an excellent Gross Margin value of 90.36%, TOI belongs to the best of the industry, outperforming 95.24% of the companies in the same industry.
TOI's Gross Margin has been stable in the last couple of years.
| 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.
Compared to 5 years ago, TOI has more shares outstanding
The debt/assets ratio for TOI is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.93 indicates that TOI is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.93, TOI is in line with its industry, outperforming 53.97% of the companies in the same 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.
Looking at the Debt to FCF ratio, with a value of 2.24, TOI is in the better half of the industry, outperforming 71.43% 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.
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 73.02% 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 | 2.93 |
ROIC/WACC1.02
WACC10.1%
2.3 Liquidity
TOI has a Current Ratio of 0.87. This is a bad value and indicates that TOI is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.87, TOI is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
TOI has a Quick Ratio of 0.87. This is a bad value and indicates that TOI is not financially healthy enough and could expect problems in meeting its short term obligations.
TOI's Quick ratio of 0.87 is on the low side compared to the rest of the industry. TOI is outperformed by 68.25% of its industry peers.
| 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.
TOI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.90% yearly.
Looking at the last year, TOI shows a quite strong growth in Revenue. The Revenue has grown by 19.42% in the last year.
The Revenue has been growing by 25.41% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)167.65%
EPS 3YN/A
EPS 5Y-9.9%
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 20.59% on average per year.
The Revenue is expected to grow by 17.71% on average over the next years. This is quite good.
EPS Next Y63.78%
EPS Next 2Y36.91%
EPS Next 3Y20.59%
EPS Next 5YN/A
Revenue Next Year22.78%
Revenue Next 2Y20.9%
Revenue Next 3Y17.71%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
Based on the Price/Earnings ratio of 28.23, the valuation of TOI can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 79.37% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.65, TOI is valued at the same level.
A Price/Forward Earnings ratio of 37.01 indicates a quite expensive valuation of TOI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 63.49% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.45. TOI is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.23 | ||
| Fwd PE | 37.01 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TOI is valued a bit cheaper than the industry average as 69.84% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, TOI is valued a bit cheaper than the industry average as 79.37% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.14 | ||
| EV/EBITDA | 15.58 |
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 20.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)N/A
EPS Next 2Y36.91%
EPS Next 3Y20.59%
5. Dividend
5.1 Amount
No dividends for TOI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX-V:TOI (11/24/2025, 7:00:00 PM)
125.34
-2.26 (-1.77%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners20.83%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap10.45B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts84
Price Target199.41 (59.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend2.51
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)-8.86%
PT rev (3m)-8.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-1.03%
Revenue NQ rev (3m)-1.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.23 | ||
| Fwd PE | 37.01 | ||
| P/S | 4.33 | ||
| P/FCF | 17.14 | ||
| P/OCF | 16.69 | ||
| P/B | 15.2 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.58 |
EPS(TTM)4.44
EY3.54%
EPS(NY)3.39
Fwd EY2.7%
FCF(TTM)7.31
FCFY5.83%
OCF(TTM)7.51
OCFY5.99%
SpS28.92
BVpS8.25
TBVpS-14.65
PEG (NY)0.44
PEG (5Y)N/A
Graham Number28.7
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 | 2.93 |
F-Score4
WACC10.1%
ROIC/WACC1.02
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-9.9%
EPS Q2Q%514.29%
EPS Next Y63.78%
EPS Next 2Y36.91%
EPS Next 3Y20.59%
EPS Next 5YN/A
Revenue 1Y (TTM)19.42%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%23.02%
Revenue Next Year22.78%
Revenue Next 2Y20.9%
Revenue Next 3Y17.71%
Revenue Next 5YN/A
EBIT growth 1Y21.21%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year128.14%
EBIT Next 3Y45.54%
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.
What is the valuation status for TOI stock?
ChartMill assigns a valuation rating of 5 / 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.
What are the PE and PB ratios of TOPICUS.COM INC-SUB VOTING (TOI.CA) stock?
The Price/Earnings (PE) ratio for TOPICUS.COM INC-SUB VOTING (TOI.CA) is 28.23 and the Price/Book (PB) ratio is 15.2.
What is the financial health of TOPICUS.COM INC-SUB VOTING (TOI.CA) stock?
The financial health rating of TOPICUS.COM INC-SUB VOTING (TOI.CA) is 3 / 10.