TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
127.85 CAD
-1.5 (-1.16%)
We assign a fundamental rating of 5 out of 10 to TOI. TOI was compared to 63 industry peers in the Software industry. While TOI is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
TOI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.25%, TOI is doing good in the industry, outperforming 61.90% of the companies in the same industry.
TOI's Return On Equity of 1.41% is fine compared to the rest of the industry. TOI outperforms 66.67% of its industry peers.
With an excellent Return On Invested Capital value of 10.29%, TOI belongs to the best of the industry, outperforming 82.54% of the companies in the same industry.
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
The Profit Margin of TOI (0.40%) is better than 65.08% of its industry peers.
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 79.37% of its industry peers.
In the last couple of years the Operating Margin of TOI has remained more or less at the same level.
TOI's Gross Margin of 90.36% is amongst the best of the industry. TOI outperforms 95.24% of its industry peers.
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
TOI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, TOI has more shares outstanding
TOI has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, TOI has a worse debt to assets ratio.
2.2 Solvency
TOI has an Altman-Z score of 2.97. 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.
Looking at the Altman-Z score, with a value of 2.97, TOI is in line with its industry, outperforming 55.56% of the companies in the same 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.
With a decent Debt to FCF ratio value of 2.24, TOI is doing good in 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.
With a Debt to Equity ratio value of 1.88, TOI is not doing good in the industry: 73.02% of the companies in the same industry are doing better.
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 | 2.97 |
ROIC/WACC1.01
WACC10.15%
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 66.67% of the companies in the same industry.
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 has a worse Quick ratio (0.87) than 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.
The Revenue has grown by 19.42% in the past year. This is quite good.
Measured over the past years, TOI shows a very strong growth in Revenue. The Revenue has been growing by 25.41% on average per year.
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
The Earnings Per Share is expected to grow by 20.59% on average over the next years. This is a very strong growth
TOI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.71% yearly.
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
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
With a Price/Earnings ratio of 28.80, TOI can be considered very expensive at the moment.
TOI's Price/Earnings ratio is a bit cheaper when compared to the industry. TOI is cheaper than 79.37% of the companies in the same industry.
TOI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.31.
With a Price/Forward Earnings ratio of 37.76, TOI can be considered very expensive at the moment.
63.49% of the companies in the same industry are more expensive than TOI, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of TOI to the average of the S&P500 Index (36.59), we can say TOI is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.8 | ||
| Fwd PE | 37.76 |
4.2 Price Multiples
69.84% 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 a bit cheaper than 79.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.49 | ||
| EV/EBITDA | 15.89 |
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.
A more expensive valuation may be justified as TOI's earnings are expected to grow with 20.59% in the coming years.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y36.91%
EPS Next 3Y20.59%
5. Dividend
5.1 Amount
TOI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX-V:TOI (11/27/2025, 7:00:00 PM)
127.85
-1.5 (-1.16%)
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 Cap10.66B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts84
Price Target199.41 (55.97%)
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 | 28.8 | ||
| Fwd PE | 37.76 | ||
| P/S | 4.42 | ||
| P/FCF | 17.49 | ||
| P/OCF | 17.03 | ||
| P/B | 15.51 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.89 |
EPS(TTM)4.44
EY3.47%
EPS(NY)3.39
Fwd EY2.65%
FCF(TTM)7.31
FCFY5.72%
OCF(TTM)7.51
OCFY5.87%
SpS28.91
BVpS8.24
TBVpS-14.64
PEG (NY)0.45
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 | 2.97 |
F-Score4
WACC10.15%
ROIC/WACC1.01
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 28.8 and the Price/Book (PB) ratio is 15.51.
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.