TOPICUS.COM INC-SUB VOTING (TOI.CA) Fundamental Analysis & Valuation
TSX-V:TOI • CA89072T1021
Current stock price
96.37 CAD
+1.88 (+1.99%)
Last:
This TOI.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. TOI.CA Profitability Analysis
1.1 Basic Checks
- TOI had positive earnings in the past year.
- In the past year TOI had a positive cash flow from operations.
- Of the past 5 years TOI 4 years were profitable.
- In the past 5 years TOI always reported a positive cash flow from operatings.
1.2 Ratios
- TOI's Return On Assets of 0.86% is fine compared to the rest of the industry. TOI outperforms 62.50% of its industry peers.
- With a decent Return On Equity value of 4.58%, TOI is doing good in the industry, outperforming 68.75% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 9.33%, TOI is in the better half of the industry, outperforming 73.44% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for TOI is in line with the industry average of 12.99%.
| Industry Rank | Sector 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%
1.3 Margins
- With a decent Profit Margin value of 1.40%, TOI is doing good in the industry, outperforming 62.50% of the companies in the same industry.
- TOI's Profit Margin has declined in the last couple of years.
- TOI has a Operating Margin of 15.05%. This is in the better half of the industry: TOI outperforms 79.69% of its industry peers.
- TOI's Operating Margin has declined in the last couple of years.
- With an excellent Gross Margin value of 89.87%, TOI belongs to the best of the industry, outperforming 90.63% of the companies in the same industry.
- In the last couple of years the Gross Margin of TOI has remained more or less at the same level.
| Industry Rank | Sector 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%
2. TOI.CA Health Analysis
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.
- TOI has more shares outstanding than it did 1 year ago.
- TOI has more shares outstanding than it did 5 years ago.
- TOI has a worse debt/assets ratio than last year.
2.2 Solvency
- TOI has an Altman-Z score of 2.39. 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.
- With a Altman-Z score value of 2.39, TOI perfoms like the industry average, outperforming 59.38% of the companies in the same industry.
- TOI has a debt to FCF ratio of 1.97. This is a very positive value and a sign of high solvency as it would only need 1.97 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 1.97, TOI is doing good in the industry, outperforming 76.56% of the companies in the same industry.
- TOI has a Debt/Equity ratio of 1.58. This is a high value indicating a heavy dependency on external financing.
- TOI has a worse Debt to Equity ratio (1.58) than 68.75% 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 | 1.58 | ||
| Debt/FCF | 1.97 | ||
| Altman-Z | 2.39 |
ROIC/WACC0.95
WACC9.79%
2.3 Liquidity
- A Current Ratio of 0.62 indicates that TOI may have some problems paying its short term obligations.
- TOI's Current ratio of 0.62 is on the low side compared to the rest of the industry. TOI is outperformed by 71.88% of its industry peers.
- A Quick Ratio of 0.61 indicates that TOI may have some problems paying its short term obligations.
- The Quick ratio of TOI (0.61) is worse than 71.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.62 | ||
| Quick Ratio | 0.61 |
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.
- Measured over the past years, TOI shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -21.59% on average per year.
- Looking at the last year, TOI shows a quite strong growth in Revenue. The Revenue has grown by 19.88% in the last year.
- TOI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.73% yearly.
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 -0.38% on average per year.
- TOI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.75% yearly.
EPS Next Y-16.31%
EPS Next 2Y-0.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.3%
Revenue Next 2Y15.75%
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.
4. TOI.CA Valuation Analysis
4.1 Price/Earnings Ratio
- TOI is valuated rather expensively with a Price/Earnings ratio of 20.59.
- Compared to the rest of the industry, the Price/Earnings ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 78.13% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of TOI to the average of the S&P500 Index (26.17), we can say TOI is valued slightly cheaper.
- TOI is valuated rather expensively with a Price/Forward Earnings ratio of 24.60.
- 64.06% 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 23.05, TOI is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.59 | ||
| Fwd PE | 24.6 |
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 65.63% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, TOI is valued cheaper than 82.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.46 | ||
| EV/EBITDA | 11.74 |
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-0.38%
EPS Next 3YN/A
5. TOI.CA Dividend Analysis
5.1 Amount
- No dividends for TOI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TOI.CA Fundamentals: All Metrics, Ratios and Statistics
TSX-V:TOI (4/2/2026, 7:00:00 PM)
96.37
+1.88 (+1.99%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-25 2026-02-25/amc
Earnings (Next)05-05 2026-05-05
Inst Owners20.63%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap8.03B
Revenue(TTM)1.55B
Net Income(TTM)21.69M
Analysts83.64
Price Target149.6 (55.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)0%
PT rev (3m)-24.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.25%
EPS NY rev (1m)0%
EPS NY rev (3m)-16.46%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)0.8%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.59 | ||
| Fwd PE | 24.6 | ||
| P/S | 3.23 | ||
| P/FCF | 12.46 | ||
| P/OCF | 12.14 | ||
| P/B | 10.57 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.74 |
EPS(TTM)4.68
EY4.86%
EPS(NY)3.92
Fwd EY4.06%
FCF(TTM)7.73
FCFY8.02%
OCF(TTM)7.94
OCFY8.24%
SpS29.86
BVpS9.11
TBVpS-13.99
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.98
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.39 |
F-Score3
WACC9.79%
ROIC/WACC0.95
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-16.31%
EPS Next 2Y-0.38%
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 Year17.3%
Revenue Next 2Y15.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y13.24%
EBIT growth 3Y27.21%
EBIT growth 5Y20.65%
EBIT Next Year105.75%
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 20.59 and the Price/Book (PB) ratio is 10.57.
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 -16.31% in the next year.