TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX-V:TOI - CA89072T1021 - Common Stock
130.51 CAD
-0.57 (-0.43%)
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 has a decent growth rate and is not valued too expensively.
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
Looking at the Return On Assets, with a value of 4.62%, TOI is in the better half of the industry, outperforming 79.37% of the companies in the same industry.
TOI has a better Return On Equity (21.34%) than 90.48% of its industry peers.
TOI's Return On Invested Capital of 10.77% is amongst the best of the industry. TOI outperforms 84.13% 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 12.38%.
| 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
TOI has a better Profit Margin (7.65%) than 79.37% of its industry peers.
TOI's Profit Margin has declined in the last couple of years.
TOI's Operating Margin of 15.79% is amongst the best of the industry. TOI outperforms 82.54% of its industry peers.
In the last couple of years the Operating Margin of TOI has remained more or less at the same level.
TOI has a better Gross Margin (90.68%) 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 | 15.79% | ||
| 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.
The number of shares outstanding for TOI has been increased compared to 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 3.20 indicates that TOI is not in any danger for bankruptcy at the moment.
With a Altman-Z score value of 3.20, TOI perfoms like the industry average, outperforming 58.73% of the companies in the same industry.
TOI has a debt to FCF ratio of 1.62. This is a very positive value and a sign of high solvency as it would only need 1.62 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.62, TOI is in the better half of the industry, outperforming 76.19% of the companies in the same industry.
A Debt/Equity ratio of 1.07 is on the high side and indicates that TOI has dependencies on debt financing.
TOI has a Debt to Equity ratio of 1.07. This is in the lower half of the industry: TOI underperforms 63.49% 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 | 1.07 | ||
| Debt/FCF | 1.62 | ||
| Altman-Z | 3.2 |
ROIC/WACC1.06
WACC10.12%
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.
A Quick Ratio of 0.68 indicates that TOI may have some problems paying its short term obligations.
With a Quick ratio value of 0.68, TOI is not doing good in the industry: 69.84% of the companies in the same industry are doing better.
| 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.
TOI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.90% yearly.
TOI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.10%.
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
The Earnings Per Share is expected to grow by 38.58% on average over the next years. This is a very strong growth
TOI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.02% yearly.
EPS Next Y63.78%
EPS Next 2Y49.05%
EPS Next 3Y38.58%
EPS Next 5YN/A
Revenue Next Year22.78%
Revenue Next 2Y18.26%
Revenue Next 3Y16.02%
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.
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
Based on the Price/Earnings ratio of 1631.37, the valuation of TOI can be described as expensive.
60.32% of the companies in the same industry are more expensive than TOI, based on the Price/Earnings ratio.
TOI's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.91.
The Price/Forward Earnings ratio is 32.53, which means the current valuation is very expensive for TOI.
Based on the Price/Forward Earnings ratio, TOI is valued a bit cheaper than the industry average as 63.49% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of TOI to the average of the S&P500 Index (34.57), we can say TOI is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1631.37 | ||
| Fwd PE | 32.53 |
4.2 Price Multiples
TOI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TOI is cheaper than 69.84% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 77.78% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.71 | ||
| EV/EBITDA | 16.98 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of TOI may justify a higher PE ratio.
TOI's earnings are expected to grow with 38.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)25.58
PEG (5Y)N/A
EPS Next 2Y49.05%
EPS Next 3Y38.58%
5. Dividend
5.1 Amount
No dividends for TOI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX-V:TOI (11/13/2025, 7:00:00 PM)
130.51
-0.57 (-0.43%)
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 Cap10.88B
Revenue(TTM)1.29B
Net Income(TTM)107.49M
Analysts84
Price Target218.79 (67.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend2.52
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)6.19%
EPS NQ rev (1m)12.94%
EPS NQ rev (3m)-30.43%
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 | 1631.37 | ||
| Fwd PE | 32.53 | ||
| P/S | 4.76 | ||
| P/FCF | 18.71 | ||
| P/OCF | 18.17 | ||
| P/B | 13.27 | ||
| P/tB | N/A | ||
| EV/EBITDA | 16.98 |
EPS(TTM)0.08
EY0.06%
EPS(NY)4.01
Fwd EY3.07%
FCF(TTM)6.98
FCFY5.35%
OCF(TTM)7.18
OCFY5.5%
SpS27.43
BVpS9.83
TBVpS-13.51
PEG (NY)25.58
PEG (5Y)N/A
Graham Number4.21
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 | 3.2 |
F-Score4
WACC10.12%
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 2Y49.05%
EPS Next 3Y38.58%
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 2Y18.26%
Revenue Next 3Y16.02%
Revenue Next 5YN/A
EBIT growth 1Y25.76%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year128.14%
EBIT Next 3Y43.46%
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 1631.37 and the Price/Book (PB) ratio is 13.27.
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.