TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
125.91 CAD
-0.8 (-0.63%)
Taking everything into account, TOI scores 5 out of 10 in our fundamental rating. TOI was compared to 67 industry peers in the Software industry. TOI has an excellent profitability rating, but there are concerns on its financial health. TOI is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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
TOI's Return On Assets of 0.25% is fine compared to the rest of the industry. TOI outperforms 60.29% of its industry peers.
TOI has a better Return On Equity (1.41%) than 63.24% of its industry peers.
The Return On Invested Capital of TOI (10.29%) is better than 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
Looking at the Profit Margin, with a value of 0.40%, TOI is in the better half of the industry, outperforming 63.24% of the companies in the same industry.
In the last couple of years the Profit Margin of TOI has declined.
Looking at the Operating Margin, with a value of 15.38%, TOI belongs to the top 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.
Looking at the Gross Margin, with a value of 90.36%, TOI belongs to the top of the industry, outperforming 95.59% 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), TOI 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
An Altman-Z score of 2.95 indicates that TOI is not a great score, but indicates only limited risk for bankruptcy at the moment.
TOI's Altman-Z score of 2.95 is in line compared to the rest of the industry. TOI outperforms 58.82% 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.
The Debt to FCF ratio of TOI (2.24) is better than 72.06% of its industry peers.
TOI has a Debt/Equity ratio of 1.88. This is a high value indicating a heavy dependency on external 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 | 2.95 |
ROIC/WACC1.03
WACC10%
2.3 Liquidity
A Current Ratio of 0.87 indicates that TOI may have some problems paying its short term obligations.
TOI's Current ratio of 0.87 is on the low side compared to the rest of the industry. TOI is outperformed by 64.71% 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.
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.
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 33.72% on average per year.
Based on estimates for the next years, TOI will show a quite strong growth in Revenue. The Revenue will grow by 17.64% on average per year.
EPS Next Y87.44%
EPS Next 2Y48.92%
EPS Next 3Y33.72%
EPS Next 5YN/A
Revenue Next Year21.87%
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.
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
TOI is valuated quite expensively with a Price/Earnings ratio of 28.55.
Based on the Price/Earnings ratio, TOI is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
TOI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 31.64 indicates a quite expensive valuation of TOI.
TOI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TOI is cheaper than 66.18% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.92. TOI is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.55 | ||
| Fwd PE | 31.64 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TOI is valued a bit cheaper than the industry average as 72.06% of the companies are valued more expensively.
82.35% of the companies in the same industry are more expensive than TOI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.34 | ||
| EV/EBITDA | 15.76 |
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.
The decent profitability rating of TOI 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)0.33
PEG (5Y)N/A
EPS Next 2Y48.92%
EPS Next 3Y33.72%
5. Dividend
5.1 Amount
TOI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX-V:TOI (1/9/2026, 7:00:00 PM)
125.91
-0.8 (-0.63%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners21.35%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap10.49B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts83.64
Price Target197.54 (56.89%)
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)0%
EPS NY rev (3m)14.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.55 | ||
| Fwd PE | 31.64 | ||
| P/S | 4.39 | ||
| P/FCF | 17.34 | ||
| P/OCF | 16.88 | ||
| P/B | 15.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.76 |
EPS(TTM)4.41
EY3.5%
EPS(NY)3.98
Fwd EY3.16%
FCF(TTM)7.26
FCFY5.77%
OCF(TTM)7.46
OCFY5.92%
SpS28.71
BVpS8.19
TBVpS-14.55
PEG (NY)0.33
PEG (5Y)N/A
Graham Number28.5
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 | 2.95 |
F-Score4
WACC10%
ROIC/WACC1.03
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 Y87.44%
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 Year21.87%
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 Year98.27%
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 7 / 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 87.44% in the next year.