TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis

TSX:TSU • CA89679A2092

44.71 CAD
-0.64 (-1.41%)
Last: Feb 25, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TSU. TSU was compared to 79 industry peers in the Insurance industry. TSU has an average financial health and profitability rating. TSU is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • TSU had positive earnings in the past year.
  • TSU had a positive operating cash flow in the past year.
  • TSU had positive earnings in each of the past 5 years.
  • In the past 5 years TSU always reported a positive cash flow from operatings.
TSU.CA Yearly Net Income VS EBIT VS OCF VS FCFTSU.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

1.2 Ratios

  • TSU has a Return On Assets of 2.54%. This is in the better half of the industry: TSU outperforms 77.22% of its industry peers.
  • TSU has a Return On Equity of 13.72%. This is in the better half of the industry: TSU outperforms 75.95% of its industry peers.
  • With a decent Return On Invested Capital value of 2.70%, TSU is doing good in the industry, outperforming 77.22% of the companies in the same industry.
  • TSU had an Average Return On Invested Capital over the past 3 years of 1.93%. This is in line with the industry average of 3.06%.
  • The last Return On Invested Capital (2.70%) for TSU is above the 3 year average (1.93%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.54%
ROE 13.72%
ROIC 2.7%
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.93%
ROIC(5y)1.78%
TSU.CA Yearly ROA, ROE, ROICTSU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • TSU has a Profit Margin of 4.15%. This is amonst the worse of the industry: TSU underperforms 81.01% of its industry peers.
  • TSU's Profit Margin has been stable in the last couple of years.
  • TSU's Operating Margin of 5.79% is on the low side compared to the rest of the industry. TSU is outperformed by 81.01% of its industry peers.
  • In the last couple of years the Operating Margin of TSU has declined.
Industry RankSector Rank
OM 5.79%
PM (TTM) 4.15%
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
TSU.CA Yearly Profit, Operating, Gross MarginsTSU.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • TSU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for TSU has been increased compared to 1 year ago.
  • The number of shares outstanding for TSU has been increased compared to 5 years ago.
  • Compared to 1 year ago, TSU has an improved debt to assets ratio.
TSU.CA Yearly Shares OutstandingTSU.CA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
TSU.CA Yearly Total Debt VS Total AssetsTSU.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • Based on the Altman-Z score of 1.13, we must say that TSU is in the distress zone and has some risk of bankruptcy.
  • TSU's Altman-Z score of 1.13 is amongst the best of the industry. TSU outperforms 97.47% of its industry peers.
  • The Debt to FCF ratio of TSU is 0.42, which is an excellent value as it means it would take TSU, only 0.42 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.42, TSU belongs to the best of the industry, outperforming 97.47% of the companies in the same industry.
  • A Debt/Equity ratio of 0.11 indicates that TSU is not too dependend on debt financing.
  • The Debt to Equity ratio of TSU (0.11) is better than 92.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.42
Altman-Z 1.13
ROIC/WACC0.35
WACC7.78%
TSU.CA Yearly LT Debt VS Equity VS FCFTSU.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

  • TSU has a Current Ratio of 0.05. This is a bad value and indicates that TSU is not financially healthy enough and could expect problems in meeting its short term obligations.
  • TSU has a better Current ratio (0.05) than 62.03% of its industry peers.
  • TSU has a Quick Ratio of 0.05. This is a bad value and indicates that TSU is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of TSU (0.05) is better than 62.03% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
TSU.CA Yearly Current Assets VS Current LiabilitesTSU.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • TSU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.28%, which is quite good.
  • TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 80.91% yearly.
  • TSU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.41%.
  • 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)13.28%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%4.41%
Revenue 1Y (TTM)11.41%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%6.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.70% on average over the next years. This is quite good.
  • Based on estimates for the next years, TSU will show a decrease in Revenue. The Revenue will decrease by -8.87% on average per year.
EPS Next Y1.09%
EPS Next 2Y7.58%
EPS Next 3Y9.7%
EPS Next 5YN/A
Revenue Next Year9.31%
Revenue Next 2Y10.72%
Revenue Next 3Y-8.87%
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 decreasing.
  • 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.
TSU.CA Yearly Revenue VS EstimatesTSU.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
TSU.CA Yearly EPS VS EstimatesTSU.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.42, TSU is valued correctly.
  • TSU's Price/Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 75.95% of the companies in the same industry.
  • TSU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.05.
  • Based on the Price/Forward Earnings ratio of 13.75, the valuation of TSU can be described as correct.
  • TSU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 67.09% of the companies in the same industry.
  • TSU is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.42
Fwd PE 13.75
TSU.CA Price Earnings VS Forward Price EarningsTSU.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 64.56% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TSU is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 5.66
EV/EBITDA 11.57
TSU.CA Per share dataTSU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)14.15
PEG (5Y)0.19
EPS Next 2Y7.58%
EPS Next 3Y9.7%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for TSU!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TRISURA GROUP LTD

TSX:TSU (2/25/2026, 7:00:00 PM)

44.71

-0.64 (-1.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners40.27%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.13B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target55.05 (23.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0
Avg EPS beat(2)-5.85%
Min EPS beat(2)-6.27%
Max EPS beat(2)-5.43%
EPS beat(4)1
Avg EPS beat(4)0.98%
Min EPS beat(4)-6.27%
Max EPS beat(4)21.03%
EPS beat(8)4
Avg EPS beat(8)0.71%
EPS beat(12)8
Avg EPS beat(12)7.66%
EPS beat(16)11
Avg EPS beat(16)8.22%
Revenue beat(2)1
Avg Revenue beat(2)1.56%
Min Revenue beat(2)-5.18%
Max Revenue beat(2)8.29%
Revenue beat(4)2
Avg Revenue beat(4)2.56%
Min Revenue beat(4)-5.18%
Max Revenue beat(4)8.29%
Revenue beat(8)5
Avg Revenue beat(8)5.28%
Revenue beat(12)9
Avg Revenue beat(12)9.56%
Revenue beat(16)13
Avg Revenue beat(16)34.64%
PT rev (1m)0.94%
PT rev (3m)1.17%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)-4.83%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.81%
Revenue NQ rev (1m)26.67%
Revenue NQ rev (3m)-28.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.92%
Valuation
Industry RankSector Rank
PE 15.42
Fwd PE 13.75
P/S 0.71
P/FCF 5.66
P/OCF 5.6
P/B 2.36
P/tB 2.36
EV/EBITDA 11.57
EPS(TTM)2.9
EY6.49%
EPS(NY)3.25
Fwd EY7.27%
FCF(TTM)7.9
FCFY17.68%
OCF(TTM)7.98
OCFY17.85%
SpS62.76
BVpS18.97
TBVpS18.97
PEG (NY)14.15
PEG (5Y)0.19
Graham Number35.19
Profitability
Industry RankSector Rank
ROA 2.54%
ROE 13.72%
ROCE 3.63%
ROIC 2.7%
ROICexc 2.85%
ROICexgc 7.22%
OM 5.79%
PM (TTM) 4.15%
GM N/A
FCFM 12.6%
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%
ROICexgc growth 3Y36.06%
ROICexgc 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-Score6
Asset Turnover0.61
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.42
Debt/EBITDA 0.55
Cap/Depr 111.01%
Cap/Sales 0.12%
Interest Coverage 52.26
Cash Conversion 215.39%
Profit Quality 303.73%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z 1.13
F-Score6
WACC7.78%
ROIC/WACC0.35
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)13.28%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%4.41%
EPS Next Y1.09%
EPS Next 2Y7.58%
EPS Next 3Y9.7%
EPS Next 5YN/A
Revenue 1Y (TTM)11.41%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%6.38%
Revenue Next Year9.31%
Revenue Next 2Y10.72%
Revenue Next 3Y-8.87%
Revenue Next 5YN/A
EBIT growth 1Y10.13%
EBIT growth 3Y34.61%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y81%
FCF growth 3Y-27.44%
FCF growth 5Y15.97%
OCF growth 1Y81.75%
OCF growth 3Y-26.93%
OCF growth 5Y15.45%

TRISURA GROUP LTD / TSU.CA FAQ

Can you provide the ChartMill fundamental rating for TRISURA GROUP LTD?

ChartMill assigns a fundamental rating of 4 / 10 to TSU.CA.


What is the valuation status of TRISURA GROUP LTD (TSU.CA) stock?

ChartMill assigns a valuation rating of 3 / 10 to TRISURA GROUP LTD (TSU.CA). This can be considered as Overvalued.


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 1.09% in the next year.