TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
120.47 CAD
-3.18 (-2.57%)
We assign a fundamental rating of 5 out of 10 to TOI. TOI was compared to 64 industry peers in the Software industry. TOI has an excellent profitability rating, but there are concerns on its financial health. TOI is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
In the past 5 years TOI always reported a positive cash flow from operatings.
1.2 Ratios
TOI's Return On Assets of 0.25% is fine compared to the rest of the industry. TOI outperforms 62.50% of its industry peers.
Looking at the Return On Equity, with a value of 1.41%, TOI is in the better half of the industry, outperforming 67.19% of the companies in the same industry.
TOI has a Return On Invested Capital of 10.29%. This is amongst the best in the industry. TOI outperforms 84.38% 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 11.55%.
| 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
With a decent Profit Margin value of 0.40%, TOI is doing good in the industry, outperforming 67.19% 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 15.38%. This is amongst the best in the industry. TOI outperforms 81.25% of its industry peers.
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 95.31% 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.
The number of shares outstanding for TOI has been increased compared to 1 year ago.
Compared to 5 years ago, TOI has more shares outstanding
TOI has a worse debt/assets ratio than last year.
2.2 Solvency
TOI has an Altman-Z score of 2.87. 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.
Looking at the Altman-Z score, with a value of 2.87, TOI is in line with its industry, outperforming 57.81% of the companies in the same industry.
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 has a Debt to FCF ratio of 2.24. This is in the better half of the industry: TOI outperforms 71.88% 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.
With a Debt to Equity ratio value of 1.88, TOI is not doing good in the industry: 70.31% of the companies in the same industry are doing better.
Although TOI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.88 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | 2.87 |
ROIC/WACC1.03
WACC9.96%
2.3 Liquidity
A Current Ratio of 0.87 indicates that TOI may have some problems paying its short term obligations.
TOI has a worse Current ratio (0.87) than 65.63% of its industry peers.
A Quick Ratio of 0.87 indicates that TOI may have some problems paying its short term obligations.
The Quick ratio of TOI (0.87) is worse than 67.19% 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.
TOI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.92% yearly.
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 42.22% on average per year.
TOI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.27% yearly.
EPS Next Y87.44%
EPS Next 2Y62.34%
EPS Next 3Y42.22%
EPS Next 5YN/A
Revenue Next Year21.87%
Revenue Next 2Y20.21%
Revenue Next 3Y18.27%
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
With a Price/Earnings ratio of 27.38, TOI can be considered very expensive at the moment.
79.69% of the companies in the same industry are more expensive than TOI, based on the Price/Earnings ratio.
TOI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 25.57, which means the current valuation is very expensive for TOI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 71.88% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.80, TOI is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.38 | ||
| Fwd PE | 25.57 |
4.2 Price Multiples
68.75% of the companies in the same industry are more expensive than TOI, based on the Enterprise Value to EBITDA ratio.
79.69% 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 | 16.65 | ||
| EV/EBITDA | 15.15 |
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.
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 42.22% in the coming years.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y62.34%
EPS Next 3Y42.22%
5. Dividend
5.1 Amount
TOI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX-V:TOI (12/10/2025, 7:00:00 PM)
120.47
-3.18 (-2.57%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners21.92%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap10.04B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts84
Price Target199.41 (65.53%)
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)32.22%
EPS NQ rev (3m)32.22%
EPS NY rev (1m)14.45%
EPS NY rev (3m)14.45%
Revenue NQ rev (1m)-1.32%
Revenue NQ rev (3m)-1.32%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)-0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.38 | ||
| Fwd PE | 25.57 | ||
| P/S | 4.21 | ||
| P/FCF | 16.65 | ||
| P/OCF | 16.21 | ||
| P/B | 14.76 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.15 |
EPS(TTM)4.4
EY3.65%
EPS(NY)4.71
Fwd EY3.91%
FCF(TTM)7.23
FCFY6.01%
OCF(TTM)7.43
OCFY6.17%
SpS28.61
BVpS8.16
TBVpS-14.5
PEG (NY)0.31
PEG (5Y)N/A
Graham Number28.42
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 | 2.87 |
F-Score4
WACC9.96%
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 2Y62.34%
EPS Next 3Y42.22%
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 2Y20.21%
Revenue Next 3Y18.27%
Revenue Next 5YN/A
EBIT growth 1Y21.21%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year98.27%
EBIT Next 3Y34.86%
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 27.38 and the Price/Book (PB) ratio is 14.76.
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.