TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX-V:TOI - CA89072T1021 - Common Stock
160.67 CAD
-4.34 (-2.63%)
Overall TOI gets a fundamental rating of 6 out of 10. We evaluated TOI against 64 industry peers in the Software industry. TOI scores excellent on profitability, but there are some minor concerns on its financial health. TOI is not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
TOI had positive earnings in 4 of the past 5 years.
TOI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
TOI has a better Return On Assets (4.62%) than 76.56% of its industry peers.
TOI has a Return On Equity of 21.34%. This is amongst the best in the industry. TOI outperforms 89.06% of its industry peers.
With an excellent Return On Invested Capital value of 10.77%, TOI belongs to the best of the industry, outperforming 85.94% 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 12.21%.
| 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 81.25% of its industry peers.
In the last couple of years the Profit Margin of TOI has declined.
TOI has a better Operating Margin (15.79%) than 84.38% 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's Gross Margin of 90.68% is amongst the best of the industry. TOI outperforms 93.75% 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
TOI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, TOI has more shares outstanding
Compared to 5 years ago, TOI has more shares outstanding
Compared to 1 year ago, TOI has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.71 indicates that TOI is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 3.71, TOI is doing good in the industry, outperforming 62.50% 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.
TOI has a Debt to FCF ratio of 1.62. This is in the better half of the industry: TOI outperforms 71.88% 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.
TOI has a Debt to Equity ratio of 1.07. This is in the lower half of the industry: TOI underperforms 62.50% 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 | 3.71 |
ROIC/WACC1.03
WACC10.45%
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.
TOI has a worse Current ratio (0.69) than 67.19% of its industry peers.
A Quick Ratio of 0.68 indicates that TOI may have some problems paying its short term obligations.
TOI has a Quick ratio of 0.68. This is in the lower half of the industry: TOI underperforms 67.19% 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 has grown by an impressive 48.07% over the past year.
TOI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.90% yearly.
Looking at the last year, TOI shows a quite strong growth in Revenue. The Revenue has grown by 16.46% 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)48.07%
EPS 3YN/A
EPS 5Y-9.9%
EPS Q2Q%47.62%
Revenue 1Y (TTM)16.46%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%19.55%
3.2 Future
TOI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 51.61% yearly.
The Revenue is expected to grow by 17.25% on average over the next years. This is quite good.
EPS Next Y84.59%
EPS Next 2Y49.34%
EPS Next 3Y51.61%
EPS Next 5YN/A
Revenue Next Year22.78%
Revenue Next 2Y17.75%
Revenue Next 3Y17.25%
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 75.79, the valuation of TOI can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 62.50% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TOI to the average of the S&P500 Index (27.20), we can say TOI is valued expensively.
The Price/Forward Earnings ratio is 45.06, 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 67.19% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.71. TOI is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 75.79 | ||
| Fwd PE | 45.06 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TOI is valued a bit cheaper than the industry average as 70.31% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, TOI is valued a bit cheaper than 76.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.09 | ||
| EV/EBITDA | 20.84 |
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 51.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.9
PEG (5Y)N/A
EPS Next 2Y49.34%
EPS Next 3Y51.61%
5. Dividend
5.1 Amount
No dividends for TOI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX-V:TOI (9/16/2025, 7:00:00 PM)
160.67
-4.34 (-2.63%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners19.67%
Inst Owner ChangeN/A
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap13.39B
Analysts84
Price Target218.79 (36.17%)
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)-23.9%
Min EPS beat(4)-37.36%
Max EPS beat(4)-0.47%
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)6.19%
PT rev (3m)12.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-19.77%
EPS NY rev (3m)-19.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.59%
Revenue NY rev (3m)-2.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 75.79 | ||
| Fwd PE | 45.06 | ||
| P/S | 5.87 | ||
| P/FCF | 23.09 | ||
| P/OCF | 22.43 | ||
| P/B | 16.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 20.84 |
EPS(TTM)2.12
EY1.32%
EPS(NY)3.57
Fwd EY2.22%
FCF(TTM)6.96
FCFY4.33%
OCF(TTM)7.16
OCFY4.46%
SpS27.36
BVpS9.81
TBVpS-13.47
PEG (NY)0.9
PEG (5Y)N/A
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%
ROICexcg growth 3YN/A
ROICexcg 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 | 3.71 |
F-Score4
WACC10.45%
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)48.07%
EPS 3YN/A
EPS 5Y-9.9%
EPS Q2Q%47.62%
EPS Next Y84.59%
EPS Next 2Y49.34%
EPS Next 3Y51.61%
EPS Next 5YN/A
Revenue 1Y (TTM)16.46%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%19.55%
Revenue Next Year22.78%
Revenue Next 2Y17.75%
Revenue Next 3Y17.25%
Revenue Next 5YN/A
EBIT growth 1Y25.76%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year135.81%
EBIT Next 3Y44.99%
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%