TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
124.7 CAD
+1.7 (+1.38%)
TOI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals 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 not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
TOI had positive earnings in the past year.
TOI had a positive operating cash flow in the past year.
Of the past 5 years TOI 4 years were profitable.
Each year in the past 5 years TOI had a positive operating cash flow.
1.2 Ratios
TOI has a Return On Assets of 0.25%. This is in the better half of the industry: TOI outperforms 66.15% 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 67.69% of the companies in the same industry.
TOI's Return On Invested Capital of 10.29% is amongst the best of the industry. TOI outperforms 84.62% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TOI is in line with the industry average of 11.66%.
| 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 69.23% of its industry peers.
TOI's Profit Margin has declined in the last couple of years.
TOI has a better Operating Margin (15.38%) than 83.08% 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 Gross Margin of 90.36%. This is amongst the best in the industry. TOI outperforms 95.38% 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 | 15.38% | ||
| 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.
TOI has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, TOI has a worse debt to assets ratio.
2.2 Solvency
TOI has an Altman-Z score of 2.93. 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 (2.93) 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.
With a decent Debt to FCF ratio value of 2.24, TOI is doing good in the industry, outperforming 72.31% 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.
Looking at the Debt to Equity ratio, with a value of 1.88, TOI is doing worse than 69.23% 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 | 1.88 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | 2.93 |
ROIC/WACC1.04
WACC9.9%
2.3 Liquidity
A Current Ratio of 0.87 indicates that TOI may have some problems paying its short term obligations.
TOI has a Current ratio of 0.87. This is in the lower half of the industry: TOI underperforms 64.62% of its industry peers.
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.
TOI's Quick ratio of 0.87 is on the low side compared to the rest of the industry. TOI is outperformed by 66.15% 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.
Measured over the past years, TOI shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.92% on average per year.
The Revenue has grown by 19.42% 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)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
TOI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 42.22% yearly.
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
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.
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. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 28.28, the valuation of TOI can be described as expensive.
Based on the Price/Earnings ratio, TOI is valued cheaper than 81.54% of the companies in the same industry.
TOI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.26, which is the current average of the S&P500 Index.
TOI is valuated quite expensively with a Price/Forward Earnings ratio of 26.38.
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.
TOI's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.28 | ||
| Fwd PE | 26.38 |
4.2 Price Multiples
72.31% of the companies in the same industry are more expensive than TOI, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 80.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.18 | ||
| EV/EBITDA | 15.61 |
4.3 Compensation for Growth
TOI's 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)0.32
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 | 0% |
TSX-V:TOI (12/18/2025, 7:00:00 PM)
124.7
+1.7 (+1.38%)
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 Cap10.39B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts84
Price Target199.41 (59.91%)
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)-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 | 28.28 | ||
| Fwd PE | 26.38 | ||
| P/S | 4.34 | ||
| P/FCF | 17.18 | ||
| P/OCF | 16.72 | ||
| P/B | 15.23 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.61 |
EPS(TTM)4.41
EY3.54%
EPS(NY)4.73
Fwd EY3.79%
FCF(TTM)7.26
FCFY5.82%
OCF(TTM)7.46
OCFY5.98%
SpS28.71
BVpS8.19
TBVpS-14.54
PEG (NY)0.32
PEG (5Y)N/A
Graham Number28.5
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 | 2.93 |
F-Score4
WACC9.9%
ROIC/WACC1.04
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 28.28 and the Price/Book (PB) ratio is 15.23.
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.