TOPICUS.COM INC-SUB VOTING (TOI.CA) Fundamental Analysis & Valuation

TSX-V:TOI • CA89072T1021

Current stock price

100.36 CAD
+0.66 (+0.66%)
Last:

This TOI.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. TOI.CA Profitability Analysis

1.1 Basic Checks

  • TOI had positive earnings in the past year.
  • TOI had a positive operating cash flow in the past year.
  • TOI had positive earnings in 4 of the past 5 years.
  • In the past 5 years TOI always reported a positive cash flow from operatings.
TOI.CA Yearly Net Income VS EBIT VS OCF VS FCFTOI.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 -500M -1B -1.5B

1.2 Ratios

  • TOI's Return On Assets of 0.86% is fine compared to the rest of the industry. TOI outperforms 60.61% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.58%, TOI is in the better half of the industry, outperforming 69.70% of the companies in the same industry.
  • The Return On Invested Capital of TOI (9.33%) is better than 74.24% of its industry peers.
  • TOI had an Average Return On Invested Capital over the past 3 years of 11.83%. This is in line with the industry average of 12.99%.
Industry RankSector Rank
ROA 0.86%
ROE 4.58%
ROIC 9.33%
ROA(3y)4.22%
ROA(5y)-33.29%
ROE(3y)19.84%
ROE(5y)N/A
ROIC(3y)11.83%
ROIC(5y)11.52%
TOI.CA Yearly ROA, ROE, ROICTOI.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 100 -100 200

1.3 Margins

  • TOI's Profit Margin of 1.40% is fine compared to the rest of the industry. TOI outperforms 63.64% of its industry peers.
  • TOI's Profit Margin has declined in the last couple of years.
  • The Operating Margin of TOI (15.05%) is better than 80.30% of its industry peers.
  • TOI's Operating Margin has declined in the last couple of years.
  • TOI has a better Gross Margin (89.87%) than 90.91% of its industry peers.
  • TOI's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 15.05%
PM (TTM) 1.4%
GM 89.87%
OM growth 3Y6.72%
OM growth 5Y-4.04%
PM growth 3Y-22.48%
PM growth 5Y-26.9%
GM growth 3Y-0.42%
GM growth 5Y-0.07%
TOI.CA Yearly Profit, Operating, Gross MarginsTOI.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 -100 -200

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3

2. TOI.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), TOI 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.
TOI.CA Yearly Shares OutstandingTOI.CA Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
TOI.CA Yearly Total Debt VS Total AssetsTOI.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • TOI has an Altman-Z score of 2.44. 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 better Altman-Z score (2.44) than 62.12% of its industry peers.
  • The Debt to FCF ratio of TOI is 1.97, which is an excellent value as it means it would take TOI, only 1.97 years of fcf income to pay off all of its debts.
  • TOI's Debt to FCF ratio of 1.97 is fine compared to the rest of the industry. TOI outperforms 78.79% of its industry peers.
  • A Debt/Equity ratio of 1.58 is on the high side and indicates that TOI has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.58, TOI is not doing good in the industry: 66.67% 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 RankSector Rank
Debt/Equity 1.58
Debt/FCF 1.97
Altman-Z 2.44
ROIC/WACC0.99
WACC9.43%
TOI.CA Yearly LT Debt VS Equity VS FCFTOI.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M -600M

2.3 Liquidity

  • A Current Ratio of 0.62 indicates that TOI may have some problems paying its short term obligations.
  • TOI has a worse Current ratio (0.62) than 69.70% of its industry peers.
  • A Quick Ratio of 0.61 indicates that TOI may have some problems paying its short term obligations.
  • TOI has a worse Quick ratio (0.61) than 69.70% of its industry peers.
Industry RankSector Rank
Current Ratio 0.62
Quick Ratio 0.61
TOI.CA Yearly Current Assets VS Current LiabilitesTOI.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. TOI.CA Growth Analysis

3.1 Past

  • TOI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 163.06%, which is quite impressive.
  • The earnings per share for TOI have been decreasing by -21.59% on average. This is quite bad
  • TOI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.88%.
  • The Revenue has been growing by 25.73% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)163.06%
EPS 3Y-7.17%
EPS 5Y-21.59%
EPS Q2Q%47.5%
Revenue 1Y (TTM)19.88%
Revenue growth 3Y19.19%
Revenue growth 5Y25.73%
Sales Q2Q%17.68%

3.2 Future

  • Based on estimates for the next years, TOI will show a decrease in Earnings Per Share. The EPS will decrease by -0.86% on average per year.
  • The Revenue is expected to grow by 15.18% on average over the next years. This is quite good.
EPS Next Y-17.11%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.18%
Revenue Next 2Y15.18%
Revenue Next 3YN/A
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.
TOI.CA Yearly Revenue VS EstimatesTOI.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
TOI.CA Yearly EPS VS EstimatesTOI.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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5

4. TOI.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 21.26 indicates a rather expensive valuation of TOI.
  • Compared to the rest of the industry, the Price/Earnings ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 75.76% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.53. TOI is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 25.64 indicates a quite expensive valuation of TOI.
  • Based on the Price/Forward Earnings ratio, TOI is valued a bit cheaper than 66.67% of the companies in the same industry.
  • TOI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 37.95, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 21.26
Fwd PE 25.64
TOI.CA Price Earnings VS Forward Price EarningsTOI.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 66.67% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, TOI is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 12.86
EV/EBITDA 12.11
TOI.CA Per share dataTOI.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 30

4.3 Compensation for Growth

  • The decent profitability rating of TOI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.86%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TOI.CA Dividend Analysis

5.1 Amount

  • No dividends for TOI!.
Industry RankSector Rank
Dividend Yield 0%

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TOI.CA Fundamentals: All Metrics, Ratios and Statistics

TOPICUS.COM INC-SUB VOTING

TSX-V:TOI (4/16/2026, 7:00:00 PM)

100.36

+0.66 (+0.66%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners20.54%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap8.36B
Revenue(TTM)1.55B
Net Income(TTM)21.69M
Analysts83.64
Price Target146.2 (45.68%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0
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)114.86%
Min EPS beat(2)-18.17%
Max EPS beat(2)247.9%
EPS beat(4)1
Avg EPS beat(4)39.45%
Min EPS beat(4)-37.36%
Max EPS beat(4)247.9%
EPS beat(8)1
Avg EPS beat(8)5.79%
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)-3.52%
Min Revenue beat(2)-3.71%
Max Revenue beat(2)-3.33%
Revenue beat(4)0
Avg Revenue beat(4)-3.54%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)-2.54%
Revenue beat(8)1
Avg Revenue beat(8)-3%
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)-2.27%
PT rev (3m)-25.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.25%
EPS NY rev (1m)-0.95%
EPS NY rev (3m)-1.68%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)0.8%
Revenue NY rev (1m)-0.96%
Revenue NY rev (3m)-0.59%
Valuation
Industry RankSector Rank
PE 21.26
Fwd PE 25.64
P/S 3.33
P/FCF 12.86
P/OCF 12.53
P/B 10.91
P/tB N/A
EV/EBITDA 12.11
EPS(TTM)4.72
EY4.7%
EPS(NY)3.91
Fwd EY3.9%
FCF(TTM)7.8
FCFY7.77%
OCF(TTM)8.01
OCFY7.98%
SpS30.13
BVpS9.2
TBVpS-14.12
PEG (NY)N/A
PEG (5Y)N/A
Graham Number31.2502 (-68.86%)
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 4.58%
ROCE 15.59%
ROIC 9.33%
ROICexc 11.35%
ROICexgc 56.36%
OM 15.05%
PM (TTM) 1.4%
GM 89.87%
FCFM 25.9%
ROA(3y)4.22%
ROA(5y)-33.29%
ROE(3y)19.84%
ROE(5y)N/A
ROIC(3y)11.83%
ROIC(5y)11.52%
ROICexc(3y)14.51%
ROICexc(5y)13.81%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)19.78%
ROCE(5y)18.62%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-0.73%
ROICexc growth 5Y-7.99%
OM growth 3Y6.72%
OM growth 5Y-4.04%
PM growth 3Y-22.48%
PM growth 5Y-26.9%
GM growth 3Y-0.42%
GM growth 5Y-0.07%
F-Score3
Asset Turnover0.62
Health
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF 1.97
Debt/EBITDA 1.71
Cap/Depr 5.21%
Cap/Sales 0.69%
Interest Coverage 8.37
Cash Conversion 94.25%
Profit Quality 1853.32%
Current Ratio 0.62
Quick Ratio 0.61
Altman-Z 2.44
F-Score3
WACC9.43%
ROIC/WACC0.99
Cap/Depr(3y)5.08%
Cap/Depr(5y)5.11%
Cap/Sales(3y)0.67%
Cap/Sales(5y)0.71%
Profit Quality(3y)554.79%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)163.06%
EPS 3Y-7.17%
EPS 5Y-21.59%
EPS Q2Q%47.5%
EPS Next Y-17.11%
EPS Next 2Y-0.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.88%
Revenue growth 3Y19.19%
Revenue growth 5Y25.73%
Sales Q2Q%17.68%
Revenue Next Year16.18%
Revenue Next 2Y15.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y13.24%
EBIT growth 3Y27.21%
EBIT growth 5Y20.65%
EBIT Next Year103.8%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.47%
FCF growth 3Y27.12%
FCF growth 5Y21.88%
OCF growth 1Y18.71%
OCF growth 3Y26.68%
OCF growth 5Y22.13%

TOPICUS.COM INC-SUB VOTING / TOI.CA Fundamental Analysis 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 5 / 10 to TOPICUS.COM INC-SUB VOTING (TOI.CA). This can be considered as Fairly Valued.


Can you provide the profitability details for TOPICUS.COM INC-SUB VOTING?

TOPICUS.COM INC-SUB VOTING (TOI.CA) has a profitability rating of 6 / 10.


What is the valuation of TOPICUS.COM INC-SUB VOTING based on its PE and PB ratios?

The Price/Earnings (PE) ratio for TOPICUS.COM INC-SUB VOTING (TOI.CA) is 21.26 and the Price/Book (PB) ratio is 10.91.


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 decline by -17.11% in the next year.