TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX-V:TOI - CA89072T1021 - Common Stock
128 CAD
-6.17 (-4.6%)
Taking everything into account, TOI scores 5 out of 10 in our fundamental rating. TOI was compared to 63 industry peers in the Software industry. TOI has an excellent profitability rating, but there are concerns on its financial health. TOI has a correct valuation and a medium growth rate.
1. Profitability
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
With an excellent Return On Assets value of 4.62%, TOI belongs to the best of the industry, outperforming 80.95% of the companies in the same industry.
Looking at the Return On Equity, with a value of 21.34%, TOI belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.
TOI has a better Return On Invested Capital (10.77%) than 85.71% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TOI is in line with the industry average of 12.35%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.62% | ||
| ROE | 21.34% | ||
| ROIC | 10.77% |
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 (7.65%) is better than 80.95% of its industry peers.
TOI's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 15.79%, TOI belongs to the best of the industry, outperforming 84.13% of the companies in the same industry.
TOI's Operating Margin has been stable in the last couple of years.
TOI's Gross Margin of 90.68% is amongst the best of the industry. TOI outperforms 95.24% of its industry peers.
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 | 15.79% | ||
| PM (TTM) | 7.65% | ||
| GM | 90.68% |
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.
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.
The debt/assets ratio for TOI is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.16 indicates that TOI is not in any danger for bankruptcy at the moment.
TOI's Altman-Z score of 3.16 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 1.62, which is an excellent value as it means it would take TOI, only 1.62 years of fcf income to pay off all of its debts.
TOI has a better Debt to FCF ratio (1.62) than 77.78% of its industry peers.
A Debt/Equity ratio of 1.07 is on the high side and indicates that TOI has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.07, TOI is doing worse than 63.49% of the companies in the same industry.
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 | 1.07 | ||
| Debt/FCF | 1.62 | ||
| Altman-Z | 3.16 |
ROIC/WACC1.06
WACC10.18%
2.3 Liquidity
TOI has a Current Ratio of 0.69. 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 Current ratio, with a value of 0.69, TOI is doing worse than 69.84% of the companies in the same industry.
TOI has a Quick Ratio of 0.69. 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 Quick ratio of 0.68. This is in the lower half of the industry: TOI underperforms 69.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.68 |
3. Growth
3.1 Past
The earnings per share for TOI have decreased strongly by -94.88% in the last year.
Measured over the past years, TOI shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.90% on average per year.
The Revenue has grown by 15.10% in the past year. This is quite good.
TOI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.41% yearly.
EPS 1Y (TTM)-94.88%
EPS 3YN/A
EPS 5Y-9.9%
EPS Q2Q%-442.06%
Revenue 1Y (TTM)15.1%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%25.2%
3.2 Future
TOI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.59% yearly.
The Revenue is expected to grow by 17.71% on average over the next years. This is quite good.
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
A Price/Earnings ratio of 1600.00 indicates a quite expensive valuation of TOI.
TOI's Price/Earnings ratio is a bit cheaper when compared to the industry. TOI is cheaper than 63.49% of the companies in the same industry.
TOI is valuated expensively when we compare the Price/Earnings ratio to 25.67, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 37.85, the valuation of TOI can be described as expensive.
Based on the Price/Forward Earnings ratio, TOI is valued a bit cheaper than the industry average as 69.84% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of TOI to the average of the S&P500 Index (31.86), we can say TOI is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1600 | ||
| Fwd PE | 37.85 |
4.2 Price Multiples
71.43% 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 | 18.37 | ||
| EV/EBITDA | 16.68 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive 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)25.09
PEG (5Y)N/A
EPS Next 2Y36.91%
EPS Next 3Y20.59%
5. Dividend
5.1 Amount
No dividends for TOI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX-V:TOI (11/6/2025, 7:00:00 PM)
128
-6.17 (-4.6%)
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 Cap10.67B
Revenue(TTM)1.29B
Net Income(TTM)107.49M
Analysts84
Price Target218.79 (70.93%)
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)0
Avg EPS beat(2)-35.97%
Min EPS beat(2)-37.36%
Max EPS beat(2)-34.57%
EPS beat(4)0
Avg EPS beat(4)-24.83%
Min EPS beat(4)-37.36%
Max EPS beat(4)-2.91%
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)-3.56%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-2.54%
Revenue beat(4)1
Avg Revenue beat(4)-1.55%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)3.2%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
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)9.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-38.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-19.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1600 | ||
| Fwd PE | 37.85 | ||
| P/S | 4.67 | ||
| P/FCF | 18.37 | ||
| P/OCF | 17.85 | ||
| P/B | 13.03 | ||
| P/tB | N/A | ||
| EV/EBITDA | 16.68 |
EPS(TTM)0.08
EY0.06%
EPS(NY)3.38
Fwd EY2.64%
FCF(TTM)6.97
FCFY5.44%
OCF(TTM)7.17
OCFY5.6%
SpS27.39
BVpS9.82
TBVpS-13.49
PEG (NY)25.09
PEG (5Y)N/A
Graham Number4.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.62% | ||
| ROE | 21.34% | ||
| ROCE | 14.53% | ||
| ROIC | 10.77% | ||
| ROICexc | 12.68% | ||
| ROICexgc | 83.17% | ||
| OM | 15.79% | ||
| PM (TTM) | 7.65% | ||
| GM | 90.68% | ||
| FCFM | 25.43% |
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 Turnover0.6
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.07 | ||
| Debt/FCF | 1.62 | ||
| Debt/EBITDA | 1.34 | ||
| Cap/Depr | 5.74% | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | 9.75 | ||
| Cash Conversion | 90.74% | ||
| Profit Quality | 332.39% | ||
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.68 | ||
| Altman-Z | 3.16 |
F-Score4
WACC10.18%
ROIC/WACC1.06
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)-94.88%
EPS 3YN/A
EPS 5Y-9.9%
EPS Q2Q%-442.06%
EPS Next Y63.78%
EPS Next 2Y36.91%
EPS Next 3Y20.59%
EPS Next 5YN/A
Revenue 1Y (TTM)15.1%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%25.2%
Revenue Next Year22.78%
Revenue Next 2Y20.9%
Revenue Next 3Y17.71%
Revenue Next 5YN/A
EBIT growth 1Y25.76%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year128.14%
EBIT Next 3Y45.54%
EBIT Next 5YN/A
FCF growth 1Y70.09%
FCF growth 3Y25.66%
FCF growth 5Y23.36%
OCF growth 1Y69.02%
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 4 / 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 1600 and the Price/Book (PB) ratio is 13.03.
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.