TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
126.52 CAD
+0.17 (+0.13%)
Overall TOI gets a fundamental rating of 5 out of 10. We evaluated TOI against 65 industry peers in the Software industry. While TOI has a great profitability rating, there are quite some 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
TOI had positive earnings in the past year.
In the past year TOI had a positive cash flow from operations.
TOI had positive earnings in 4 of the past 5 years.
Each year in the past 5 years TOI had a positive operating cash flow.
1.2 Ratios
TOI's Return On Assets of 0.25% is fine compared to the rest of the industry. TOI outperforms 67.69% of its industry peers.
TOI has a better Return On Equity (1.41%) than 69.23% of its industry peers.
Looking at the Return On Invested Capital, with a value of 10.29%, TOI belongs to the top of the industry, outperforming 84.62% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TOI is in line with the industry average of 11.86%.
| 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
TOI has a better Profit Margin (0.40%) than 70.77% of its industry peers.
In the last couple of years the Profit Margin of TOI has declined.
With an excellent Operating Margin value of 15.38%, TOI belongs to the best of the industry, outperforming 83.08% 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 90.36% is amongst the best of the industry. TOI outperforms 95.38% of its industry peers.
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.
TOI has a worse debt/assets ratio than last year.
2.2 Solvency
TOI has an Altman-Z score of 2.96. 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.
The Altman-Z score of TOI (2.96) is comparable to the rest of the 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.
Looking at the Debt to FCF ratio, with a value of 2.24, TOI is in the better half of the industry, outperforming 73.85% of the companies in the same industry.
TOI has a Debt/Equity ratio of 1.88. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of TOI (1.88) is worse than 67.69% of its industry peers.
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 | 2.96 |
ROIC/WACC1.02
WACC10.08%
2.3 Liquidity
A Current Ratio of 0.87 indicates that TOI may have some problems paying its short term obligations.
With a Current ratio value of 0.87, TOI is not doing good in the industry: 63.08% of the companies in the same industry are doing better.
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 64.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 167.65% over the past year.
The Earnings Per Share has been decreasing by -9.92% on average over the past years.
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 42.22% 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 18.27% on average per year.
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
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
TOI is valuated quite expensively with a Price/Earnings ratio of 28.75.
Based on the Price/Earnings ratio, TOI is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.59, TOI is valued at the same level.
Based on the Price/Forward Earnings ratio of 26.82, 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 72.31% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of TOI to the average of the S&P500 Index (24.03), we can say TOI is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.75 | ||
| Fwd PE | 26.82 |
4.2 Price Multiples
TOI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TOI is cheaper than 75.38% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TOI indicates a rather cheap valuation: TOI is cheaper than 81.54% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.47 | ||
| EV/EBITDA | 15.87 |
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 42.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y62.34%
EPS Next 3Y42.22%
5. Dividend
5.1 Amount
No dividends for TOI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX-V:TOI (12/24/2025, 7:00:00 PM)
126.52
+0.17 (+0.13%)
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 Cap10.54B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts84
Price TargetN/A
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)-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)-0.29%
Revenue NQ rev (3m)-1.32%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)-0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.75 | ||
| Fwd PE | 26.82 | ||
| P/S | 4.42 | ||
| P/FCF | 17.47 | ||
| P/OCF | 17 | ||
| P/B | 15.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.87 |
EPS(TTM)4.4
EY3.48%
EPS(NY)4.72
Fwd EY3.73%
FCF(TTM)7.24
FCFY5.73%
OCF(TTM)7.44
OCFY5.88%
SpS28.65
BVpS8.17
TBVpS-14.51
PEG (NY)0.33
PEG (5Y)N/A
Graham Number28.44
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 | 2.96 |
F-Score4
WACC10.08%
ROIC/WACC1.02
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 28.75 and the Price/Book (PB) ratio is 15.48.
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.