TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - TSX:TSU - CA89679A2092 - Common Stock
40.17 CAD
-0.18 (-0.45%)
We assign a fundamental rating of 5 out of 10 to TSU. TSU was compared to 77 industry peers in the Insurance industry. TSU has an average financial health and profitability rating. TSU is valued quite expensive, but it does show an excellent growth. These ratings would make TSU suitable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year TSU was profitable.
TSU had a positive operating cash flow in the past year.
Each year in the past 5 years TSU has been profitable.
In the past 5 years TSU always reported a positive cash flow from operatings.
1.2 Ratios
TSU's Return On Assets of 2.62% is fine compared to the rest of the industry. TSU outperforms 74.03% of its industry peers.
With an excellent Return On Equity value of 14.41%, TSU belongs to the best of the industry, outperforming 87.01% of the companies in the same industry.
TSU's Return On Invested Capital of 2.89% is fine compared to the rest of the industry. TSU outperforms 74.03% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TSU is in line with the industry average of 2.33%.
The 3 year average ROIC (1.93%) for TSU is below the current ROIC(2.89%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 14.41% | ||
| ROIC | 2.89% |
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.93%
ROIC(5y)1.78%
1.3 Margins
TSU has a Profit Margin of 3.96%. This is amonst the worse of the industry: TSU underperforms 97.40% of its industry peers.
In the last couple of years the Profit Margin of TSU has remained more or less at the same level.
Looking at the Operating Margin, with a value of 5.74%, TSU is doing worse than 97.40% of the companies in the same industry.
TSU's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.74% | ||
| PM (TTM) | 3.96% | ||
| GM | N/A |
OM growth 3Y-34.93%
OM growth 5YN/A
PM growth 3Y-40.12%
PM growth 5Y-0.6%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TSU is destroying value.
TSU has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, TSU has more shares outstanding
TSU has a better debt/assets ratio than last year.
2.2 Solvency
TSU has an Altman-Z score of 1.17. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of 1.17, TSU belongs to the best of the industry, outperforming 97.40% of the companies in the same industry.
The Debt to FCF ratio of TSU is 0.50, which is an excellent value as it means it would take TSU, only 0.50 years of fcf income to pay off all of its debts.
TSU's Debt to FCF ratio of 0.50 is amongst the best of the industry. TSU outperforms 80.52% of its industry peers.
TSU has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
TSU's Debt to Equity ratio of 0.12 is amongst the best of the industry. TSU outperforms 90.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.5 | ||
| Altman-Z | 1.17 |
ROIC/WACC0.37
WACC7.83%
2.3 Liquidity
A Current Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
The Current ratio of TSU (0.02) is comparable to the rest of the industry.
A Quick Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
TSU's Quick ratio of 0.02 is in line compared to the rest of the industry. TSU outperforms 42.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.55% over the past year.
The Earnings Per Share has been growing by 80.91% on average over the past years. This is a very strong growth
Looking at the last year, TSU shows a very strong growth in Revenue. The Revenue has grown by 22.45%.
Measured over the past years, TSU shows a very strong growth in Revenue. The Revenue has been growing by 89.61% on average per year.
EPS 1Y (TTM)12.55%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.06%
Revenue 1Y (TTM)22.45%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%19.9%
3.2 Future
The Earnings Per Share is expected to grow by 10.20% on average over the next years. This is quite good.
Based on estimates for the next years, TSU will show a very strong growth in Revenue. The Revenue will grow by 79.08% on average per year.
EPS Next Y4.82%
EPS Next 2Y10.26%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.00, which indicates a correct valuation of TSU.
93.51% of the companies in the same industry are cheaper than TSU, based on the Price/Earnings ratio.
TSU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.27.
TSU is valuated reasonably with a Price/Forward Earnings ratio of 11.76.
TSU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 68.83% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.77, TSU is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14 | ||
| Fwd PE | 11.76 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TSU is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TSU indicates a rather expensive valuation: TSU more expensive than 83.12% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.11 | ||
| EV/EBITDA | 10.26 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TSU does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.9
PEG (5Y)0.17
EPS Next 2Y10.26%
EPS Next 3Y10.2%
5. Dividend
5.1 Amount
TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (9/15/2025, 7:00:00 PM)
40.17
-0.18 (-0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners37.26%
Inst Owner ChangeN/A
Ins Owners3.47%
Ins Owner ChangeN/A
Market Cap1.92B
Analysts80
Price Target55.72 (38.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
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)-5.43%
Min EPS beat(2)-5.43%
Max EPS beat(2)-5.43%
EPS beat(4)2
Avg EPS beat(4)2.67%
Min EPS beat(4)-5.43%
Max EPS beat(4)21.03%
EPS beat(8)5
Avg EPS beat(8)2.93%
EPS beat(12)9
Avg EPS beat(12)9.97%
EPS beat(16)12
Avg EPS beat(16)10.06%
Revenue beat(2)1
Avg Revenue beat(2)3.77%
Min Revenue beat(2)-0.75%
Max Revenue beat(2)8.29%
Revenue beat(4)3
Avg Revenue beat(4)5.61%
Min Revenue beat(4)-0.75%
Max Revenue beat(4)8.29%
Revenue beat(8)6
Avg Revenue beat(8)6.09%
Revenue beat(12)10
Avg Revenue beat(12)11.42%
Revenue beat(16)14
Avg Revenue beat(16)36.19%
PT rev (1m)2.58%
PT rev (3m)4.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.72%
EPS NY rev (1m)-4.31%
EPS NY rev (3m)-4.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.38%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14 | ||
| Fwd PE | 11.76 | ||
| P/S | 0.63 | ||
| P/FCF | 6.11 | ||
| P/OCF | 6.06 | ||
| P/B | 2.28 | ||
| P/tB | 2.28 | ||
| EV/EBITDA | 10.26 |
EPS(TTM)2.87
EY7.14%
EPS(NY)3.42
Fwd EY8.5%
FCF(TTM)6.57
FCFY16.36%
OCF(TTM)6.63
OCFY16.51%
SpS64.23
BVpS17.63
TBVpS17.63
PEG (NY)2.9
PEG (5Y)0.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 14.41% | ||
| ROCE | 3.87% | ||
| ROIC | 2.89% | ||
| ROICexc | 3.05% | ||
| ROICexgc | 8.06% | ||
| OM | 5.74% | ||
| PM (TTM) | 3.96% | ||
| GM | N/A | ||
| FCFM | 10.23% |
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.93%
ROIC(5y)1.78%
ROICexc(3y)2.19%
ROICexc(5y)2.06%
ROICexgc(3y)6.75%
ROICexgc(5y)4.91%
ROCE(3y)2.59%
ROCE(5y)2.39%
ROICexcg growth 3Y36.06%
ROICexcg growth 5YN/A
ROICexc growth 3Y-4.79%
ROICexc growth 5YN/A
OM growth 3Y-34.93%
OM growth 5YN/A
PM growth 3Y-40.12%
PM growth 5Y-0.6%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.66
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.5 | ||
| Debt/EBITDA | 0.55 | ||
| Cap/Depr | 95.3% | ||
| Cap/Sales | 0.1% | ||
| Interest Coverage | 55.56 | ||
| Cash Conversion | 176.89% | ||
| Profit Quality | 258.66% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | 1.17 |
F-Score8
WACC7.83%
ROIC/WACC0.37
Cap/Depr(3y)123.08%
Cap/Depr(5y)101.35%
Cap/Sales(3y)0.09%
Cap/Sales(5y)0.4%
Profit Quality(3y)339.01%
Profit Quality(5y)351.04%
High Growth Momentum
Growth
EPS 1Y (TTM)12.55%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.06%
EPS Next Y4.82%
EPS Next 2Y10.26%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue 1Y (TTM)22.45%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%19.9%
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
Revenue Next 5YN/A
EBIT growth 1Y39.88%
EBIT growth 3Y34.61%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y296.4%
FCF growth 3Y-27.44%
FCF growth 5Y15.97%
OCF growth 1Y289.62%
OCF growth 3Y-26.93%
OCF growth 5Y15.45%