TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation
TSX:TSU • CA89679A2092
Current stock price
43 CAD
-0.2 (-0.46%)
Last:
This TSU.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. TSU.CA Profitability Analysis
1.1 Basic Checks
- TSU had positive earnings in the past year.
- TSU had a positive operating cash flow in the past year.
- In the past 5 years TSU has always been profitable.
- In the past 5 years TSU always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.84%, TSU is in the better half of the industry, outperforming 77.22% of the companies in the same industry.
- With an excellent Return On Equity value of 15.38%, TSU belongs to the best of the industry, outperforming 83.54% of the companies in the same industry.
- TSU has a better Return On Invested Capital (3.25%) than 77.22% of its industry peers.
- TSU had an Average Return On Invested Capital over the past 3 years of 2.60%. This is in line with the industry average of 3.17%.
- The last Return On Invested Capital (3.25%) for TSU is above the 3 year average (2.60%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROIC | 3.25% |
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.6%
ROIC(5y)2.33%
1.3 Margins
- TSU has a Profit Margin of 5.02%. This is in the lower half of the industry: TSU underperforms 79.75% of its industry peers.
- TSU's Profit Margin has declined in the last couple of years.
- With a Operating Margin value of 7.38%, TSU is not doing good in the industry: 79.75% of the companies in the same industry are doing better.
- TSU's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.38% | ||
| PM (TTM) | 5.02% | ||
| GM | N/A |
OM growth 3Y42.5%
OM growth 5Y5.15%
PM growth 3Y48.49%
PM growth 5Y-21.15%
GM growth 3YN/A
GM growth 5YN/A
2. TSU.CA Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TSU is destroying value.
- The number of shares outstanding for TSU has been reduced compared to 1 year ago.
- TSU has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, TSU has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 1.08, we must say that TSU is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.08, TSU belongs to the top of the industry, outperforming 96.20% of the companies in the same industry.
- TSU has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of all of its debts.
- The Debt to FCF ratio of TSU (0.42) is better than 97.47% of its industry peers.
- A Debt/Equity ratio of 0.02 indicates that TSU is not too dependend on debt financing.
- TSU's Debt to Equity ratio of 0.02 is amongst the best of the industry. TSU outperforms 98.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.08 |
ROIC/WACC0.42
WACC7.68%
2.3 Liquidity
- TSU has a Current Ratio of 0.02. This is a bad value and indicates that TSU is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a decent Current ratio value of 0.02, TSU is doing good in the industry, outperforming 64.56% of the companies in the same industry.
- TSU has a Quick Ratio of 0.02. This is a bad value and indicates that TSU is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a decent Quick ratio value of 0.02, TSU is doing good in the industry, outperforming 64.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. TSU.CA Growth Analysis
3.1 Past
- The Earnings Per Share has been growing slightly by 1.78% over the past year.
- TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.31% yearly.
- TSU shows a decrease in Revenue. In the last year, the revenue decreased by -3.91%.
- The Revenue has been growing by 70.48% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y16.05%
Revenue growth 5Y70.48%
Sales Q2Q%6.07%
3.2 Future
- Based on estimates for the next years, TSU will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.62% on average per year.
- Based on estimates for the next years, TSU will show a very negative growth in Revenue. The Revenue will decrease by -17.12% on average per year.
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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 decreasing.
4. TSU.CA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 15.03, the valuation of TSU can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of TSU indicates a slightly more expensive valuation: TSU is more expensive than 74.68% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of TSU to the average of the S&P500 Index (25.23), we can say TSU is valued slightly cheaper.
- A Price/Forward Earnings ratio of 13.03 indicates a correct valuation of TSU.
- Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than the industry average as 67.09% of the companies are valued more cheaply.
- TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.28.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.03 | ||
| Fwd PE | 13.03 |
4.2 Price Multiples
- TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 67.09% of the companies in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as TSU.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.41 | ||
| EV/EBITDA | 9.03 |
4.3 Compensation for Growth
- TSU's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- TSU's earnings are expected to grow with 14.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.98
PEG (5Y)0.53
EPS Next 2Y14.62%
EPS Next 3YN/A
5. TSU.CA Dividend Analysis
5.1 Amount
- No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSU.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:TSU (3/20/2026, 7:00:00 PM)
43
-0.2 (-0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12 2026-02-12/amc
Earnings (Next)04-29 2026-04-29
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap2.04B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.14 (35.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
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)-0.84%
Min EPS beat(2)-6.27%
Max EPS beat(2)4.59%
EPS beat(4)1
Avg EPS beat(4)-3.14%
Min EPS beat(4)-6.27%
Max EPS beat(4)4.59%
EPS beat(8)4
Avg EPS beat(8)1.26%
EPS beat(12)8
Avg EPS beat(12)5.3%
EPS beat(16)12
Avg EPS beat(16)9.64%
Revenue beat(2)1
Avg Revenue beat(2)18.57%
Min Revenue beat(2)-5.18%
Max Revenue beat(2)42.32%
Revenue beat(4)2
Avg Revenue beat(4)11.17%
Min Revenue beat(4)-5.18%
Max Revenue beat(4)42.32%
Revenue beat(8)5
Avg Revenue beat(8)9.3%
Revenue beat(12)9
Avg Revenue beat(12)11.06%
Revenue beat(16)13
Avg Revenue beat(16)36.09%
PT rev (1m)5.62%
PT rev (3m)6.6%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)1.18%
EPS NY rev (1m)1.44%
EPS NY rev (3m)0.35%
Revenue NQ rev (1m)12.73%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)-42.7%
Revenue NY rev (3m)-42.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.03 | ||
| Fwd PE | 13.03 | ||
| P/S | 0.72 | ||
| P/FCF | 5.41 | ||
| P/OCF | 5.34 | ||
| P/B | 2.21 | ||
| P/tB | 2.21 | ||
| EV/EBITDA | 9.03 |
EPS(TTM)2.86
EY6.65%
EPS(NY)3.3
Fwd EY7.67%
FCF(TTM)7.95
FCFY18.49%
OCF(TTM)8.06
OCFY18.74%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)0.98
PEG (5Y)0.53
Graham Number35.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROCE | 4.33% | ||
| ROIC | 3.25% | ||
| ROICexc | 3.46% | ||
| ROICexgc | 8.97% | ||
| OM | 7.38% | ||
| PM (TTM) | 5.02% | ||
| GM | N/A | ||
| FCFM | 13.34% |
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.6%
ROIC(5y)2.33%
ROICexc(3y)2.85%
ROICexc(5y)2.65%
ROICexgc(3y)8.33%
ROICexgc(5y)6.53%
ROCE(3y)3.46%
ROCE(5y)3.11%
ROICexgc growth 3Y27.16%
ROICexgc growth 5Y54.86%
ROICexc growth 3Y32.95%
ROICexc growth 5Y44.16%
OM growth 3Y42.5%
OM growth 5Y5.15%
PM growth 3Y48.49%
PM growth 5Y-21.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.57
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Debt/EBITDA | 0.1 | ||
| Cap/Depr | 131.67% | ||
| Cap/Sales | 0.18% | ||
| Interest Coverage | 55.26 | ||
| Cash Conversion | 179.85% | ||
| Profit Quality | 265.5% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | 1.08 |
F-Score7
WACC7.68%
ROIC/WACC0.42
Cap/Depr(3y)147.36%
Cap/Depr(5y)117.8%
Cap/Sales(3y)0.11%
Cap/Sales(5y)0.3%
Profit Quality(3y)249.06%
Profit Quality(5y)353.5%
High Growth Momentum
Growth
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y16.05%
Revenue growth 5Y70.48%
Sales Q2Q%6.07%
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.83%
EBIT growth 3Y65.37%
EBIT growth 5Y79.26%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y225.88%
FCF growth 3Y36.41%
FCF growth 5Y35.71%
OCF growth 1Y219.73%
OCF growth 3Y36.37%
OCF growth 5Y35.65%
TRISURA GROUP LTD / TSU.CA Fundamental Analysis FAQ
Can you provide the ChartMill fundamental rating for TRISURA GROUP LTD?
ChartMill assigns a fundamental rating of 5 / 10 to TSU.CA.
What is the valuation status of TRISURA GROUP LTD (TSU.CA) stock?
ChartMill assigns a valuation rating of 4 / 10 to TRISURA GROUP LTD (TSU.CA). This can be considered as Fairly Valued.
What is the profitability of TSU stock?
TRISURA GROUP LTD (TSU.CA) has a profitability rating of 5 / 10.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.
Can you provide the expected EPS growth for TSU stock?
The Earnings per Share (EPS) of TRISURA GROUP LTD (TSU.CA) is expected to grow by 15.35% in the next year.