TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
131.57 CAD
+3.72 (+2.91%)
TOI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 63 industry peers in the Software industry. TOI has an excellent profitability rating, but 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
TOI had positive earnings in the past year.
TOI had a positive operating cash flow in the past year.
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 fine compared to the rest of the industry. TOI outperforms 63.49% of its industry peers.
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 84.13% 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 11.54%.
| 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 66.67% of its industry peers.
In the last couple of years the Profit Margin of TOI has declined.
TOI's Operating Margin of 15.38% is amongst the best of the industry. TOI outperforms 80.95% of its industry peers.
TOI's Operating Margin has been stable in the last couple of years.
The Gross Margin of TOI (90.36%) is better than 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
The number of shares outstanding for TOI has been increased compared to 5 years ago.
TOI has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.03 indicates that TOI is not in any danger for bankruptcy at the moment.
TOI's Altman-Z score of 3.03 is in line compared to the rest of the industry. TOI outperforms 55.56% of its industry peers.
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.
TOI's Debt to FCF ratio of 2.24 is fine compared to the rest of the industry. TOI outperforms 71.43% 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 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 | 3.03 |
ROIC/WACC1.04
WACC9.93%
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.
TOI has a worse Current ratio (0.87) than 66.67% of its industry peers.
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.
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.
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-9.92%
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 34.37% on average per year.
The Revenue is expected to grow by 18.20% on average over the next years. This is quite good.
EPS Next Y63.78%
EPS Next 2Y50.01%
EPS Next 3Y34.37%
EPS Next 5YN/A
Revenue Next Year22.78%
Revenue Next 2Y20.08%
Revenue Next 3Y18.2%
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
With a Price/Earnings ratio of 29.70, TOI can be considered very expensive at the moment.
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.
The average S&P500 Price/Earnings ratio is at 26.11. TOI is around the same levels.
Based on the Price/Forward Earnings ratio of 32.50, the valuation of TOI can be described as expensive.
65.08% of the companies in the same industry are more expensive than TOI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.21, TOI is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.7 | ||
| Fwd PE | 32.5 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TOI is valued a bit cheaper than 69.84% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, TOI is valued cheaply inside the industry as 80.95% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.07 | ||
| EV/EBITDA | 16.4 |
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 34.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y50.01%
EPS Next 3Y34.37%
5. Dividend
5.1 Amount
TOI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX-V:TOI (11/28/2025, 7:00:00 PM)
131.57
+3.72 (+2.91%)
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 Cap10.97B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts84
Price Target199.41 (51.56%)
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)-1.32%
Revenue NQ rev (3m)-1.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.7 | ||
| Fwd PE | 32.5 | ||
| P/S | 4.57 | ||
| P/FCF | 18.07 | ||
| P/OCF | 17.59 | ||
| P/B | 16.02 | ||
| P/tB | N/A | ||
| EV/EBITDA | 16.4 |
EPS(TTM)4.43
EY3.37%
EPS(NY)4.05
Fwd EY3.08%
FCF(TTM)7.28
FCFY5.53%
OCF(TTM)7.48
OCFY5.68%
SpS28.79
BVpS8.21
TBVpS-14.59
PEG (NY)0.47
PEG (5Y)N/A
Graham Number28.61
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 | 3.03 |
F-Score4
WACC9.93%
ROIC/WACC1.04
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 Y63.78%
EPS Next 2Y50.01%
EPS Next 3Y34.37%
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 2Y20.08%
Revenue Next 3Y18.2%
Revenue Next 5YN/A
EBIT growth 1Y21.21%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year128.14%
EBIT Next 3Y44.63%
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 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 7 / 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 29.7 and the Price/Book (PB) ratio is 16.02.
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.