TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TSU - CA89679A2092 - Common Stock
42.22 CAD
-0.65 (-1.52%)
Overall TSU gets a fundamental rating of 4 out of 10. We evaluated TSU against 79 industry peers in the Insurance industry. Both the profitability and the financial health of TSU get a neutral evaluation. Nothing too spectacular is happening here. TSU is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
TSU had positive earnings in the past year.
In the past year TSU had a positive cash flow from operations.
TSU had positive earnings in each of the past 5 years.
Each year in the past 5 years TSU had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.54%, TSU is in the better half of the industry, outperforming 74.68% of the companies in the same industry.
The Return On Equity of TSU (13.72%) is better than 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 74.68% 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 2.50%.
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 Rank | Sector 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%
1.3 Margins
Looking at the Profit Margin, with a value of 4.15%, TSU is doing worse than 98.73% of the companies in the same industry.
In the last couple of years the Profit Margin of TSU has remained more or less at the same level.
TSU has a Operating Margin of 5.79%. This is amonst the worse of the industry: TSU underperforms 98.73% of its industry peers.
In the last couple of years the Operating Margin of TSU has declined.
| Industry Rank | Sector 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
2. Health
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 increased compared to 1 year ago.
The number of shares outstanding for TSU has been increased compared to 5 years ago.
TSU has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.12, we must say that TSU is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of TSU (1.12) is better than 96.20% 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.
TSU has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of TSU (0.11) is better than 92.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.12 |
ROIC/WACC0.36
WACC7.55%
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.
With a Current ratio value of 0.05, TSU perfoms like the industry average, outperforming 41.77% of the companies in the same industry.
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.
TSU's Quick ratio of 0.05 is in line compared to the rest of the industry. TSU outperforms 41.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
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.
The Earnings Per Share has been growing by 80.91% on average over the past years. This is a very strong growth
The Revenue has grown by 11.41% in the past year. This is quite good.
TSU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 89.61% yearly.
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.
The Revenue is expected to decrease by -8.87% on average over the next years.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.56, which indicates a correct valuation of TSU.
94.94% of the companies in the same industry are cheaper than TSU, based on the Price/Earnings ratio.
TSU is valuated rather cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 12.98, TSU is valued correctly.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than 68.35% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TSU to the average of the S&P500 Index (23.35), we can say TSU is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.56 | ||
| Fwd PE | 12.98 |
4.2 Price Multiples
TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 63.29% of the companies in the same industry.
77.22% of the companies in the same industry are cheaper than TSU, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.36 | ||
| EV/EBITDA | 11.12 |
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)13.36
PEG (5Y)0.18
EPS Next 2Y7.58%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX:TSU (12/30/2025, 7:00:00 PM)
42.22
-0.65 (-1.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.13%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.02B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target54.54 (29.18%)
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)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%
PT rev (3m)-2.12%
EPS NQ rev (1m)-1.96%
EPS NQ rev (3m)-3.93%
EPS NY rev (1m)-2.81%
EPS NY rev (3m)-3.56%
Revenue NQ rev (1m)-2.22%
Revenue NQ rev (3m)-43.87%
Revenue NY rev (1m)-0.92%
Revenue NY rev (3m)-0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.56 | ||
| Fwd PE | 12.98 | ||
| P/S | 0.68 | ||
| P/FCF | 5.36 | ||
| P/OCF | 5.31 | ||
| P/B | 2.23 | ||
| P/tB | 2.23 | ||
| EV/EBITDA | 11.12 |
EPS(TTM)2.9
EY6.87%
EPS(NY)3.25
Fwd EY7.7%
FCF(TTM)7.87
FCFY18.65%
OCF(TTM)7.95
OCFY18.83%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)13.36
PEG (5Y)0.18
Graham Number35.12
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.12 |
F-Score6
WACC7.55%
ROIC/WACC0.36
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.
Can you provide the valuation status for TRISURA GROUP LTD?
ChartMill assigns a valuation rating of 2 / 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.
Can you provide the PE and PB ratios for TSU stock?
The Price/Earnings (PE) ratio for TRISURA GROUP LTD (TSU.CA) is 14.56 and the Price/Book (PB) ratio is 2.23.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.