TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TSU - CA89679A2092 - Common Stock
40.74 CAD
+0.51 (+1.27%)
Overall TSU gets a fundamental rating of 5 out of 10. We evaluated TSU against 81 industry peers in the Insurance industry. TSU has an average financial health and profitability rating. TSU shows excellent growth, but is valued quite expensive already. With these ratings, TSU could be worth investigating further 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
Looking at the Return On Assets, with a value of 2.54%, TSU is in the better half of the industry, outperforming 75.31% of the companies in the same industry.
With a decent Return On Equity value of 13.72%, TSU is doing good in the industry, outperforming 77.78% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.70%, TSU is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TSU is in line with the industry average of 2.53%.
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
With a Profit Margin value of 4.15%, TSU is not doing good in the industry: 97.53% of the companies in the same industry are doing better.
TSU's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 5.79%, TSU is doing worse than 97.53% of the companies in the same industry.
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
TSU has an Altman-Z score of 1.10. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
TSU has a Altman-Z score of 1.10. This is amongst the best in the industry. TSU outperforms 96.30% 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.
TSU's Debt to FCF ratio of 0.42 is amongst the best of the industry. TSU outperforms 97.53% of its industry peers.
TSU has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
TSU's Debt to Equity ratio of 0.11 is amongst the best of the industry. TSU outperforms 92.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.1 |
ROIC/WACC0.36
WACC7.5%
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.
The Current ratio of TSU (0.05) is comparable to the rest of the 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.
The Quick ratio of TSU (0.05) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.28% 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 quite strong growth in Revenue. The Revenue has grown by 11.41% in the last year.
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
Based on estimates for the next years, TSU will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.77% on average per year.
TSU is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 79.08% yearly.
EPS Next Y4.01%
EPS Next 2Y8.97%
EPS Next 3Y9.77%
EPS Next 5YN/A
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.05, the valuation of TSU can be described as correct.
93.83% of the companies in the same industry are cheaper than TSU, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TSU to the average of the S&P500 Index (26.31), we can say TSU is valued slightly cheaper.
The Price/Forward Earnings ratio is 12.21, which indicates a correct valuation of TSU.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TSU indicates a slightly more expensive valuation: TSU is more expensive than 65.43% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.59. TSU is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.05 | ||
| Fwd PE | 12.21 |
4.2 Price Multiples
64.20% of the companies in the same industry are more expensive than TSU, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, TSU is valued a bit more expensive than the industry average as 75.31% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.17 | ||
| EV/EBITDA | 10.55 |
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)3.5
PEG (5Y)0.17
EPS Next 2Y8.97%
EPS Next 3Y9.77%
5. Dividend
5.1 Amount
No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (11/28/2025, 7:00:00 PM)
40.74
+0.51 (+1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.16%
Inst Owner ChangeN/A
Ins Owners3.46%
Ins Owner ChangeN/A
Market Cap1.95B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target54.54 (33.87%)
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)-5.85%
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)-2.12%
PT rev (3m)-2.12%
EPS NQ rev (1m)-2.53%
EPS NQ rev (3m)-2%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-0.77%
Revenue NQ rev (1m)-42.6%
Revenue NQ rev (3m)-42.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.05 | ||
| Fwd PE | 12.21 | ||
| P/S | 0.65 | ||
| P/FCF | 5.17 | ||
| P/OCF | 5.12 | ||
| P/B | 2.16 | ||
| P/tB | 2.16 | ||
| EV/EBITDA | 10.55 |
EPS(TTM)2.9
EY7.12%
EPS(NY)3.34
Fwd EY8.19%
FCF(TTM)7.87
FCFY19.33%
OCF(TTM)7.95
OCFY19.51%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)3.5
PEG (5Y)0.17
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 | 1.1 |
F-Score6
WACC7.5%
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 Y4.01%
EPS Next 2Y8.97%
EPS Next 3Y9.77%
EPS Next 5YN/A
Revenue 1Y (TTM)11.41%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%6.38%
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
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 5 / 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 14.05 and the Price/Book (PB) ratio is 2.16.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.