TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - TSX:TSU - CA89679A2092 - Common Stock
39.96 CAD
-0.36 (-0.89%)
We assign a fundamental rating of 5 out of 10 to TSU. TSU was compared to 80 industry peers in the Insurance industry. TSU has only an average score on both its financial health and profitability. 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
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
The Return On Assets of TSU (2.54%) is better than 76.25% of its industry peers.
TSU has a better Return On Equity (13.72%) than 78.75% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.70%, TSU is in the better half of the industry, outperforming 75.00% 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 2.46%.
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: 97.50% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of TSU has remained more or less at the same level.
With a Operating Margin value of 5.79%, TSU is not doing good in the industry: 97.50% of the companies in the same industry are doing better.
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
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.
2.2 Solvency
Based on the Altman-Z score of 1.10, we must say that TSU is in the distress zone and has some risk of bankruptcy.
TSU has a better Altman-Z score (1.10) than 96.25% 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 97.50% 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.
With an excellent Debt to Equity ratio value of 0.11, TSU belongs to the best of the industry, outperforming 92.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.1 |
ROIC/WACC0.36
WACC7.59%
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 Current ratio (0.05) which is comparable to the rest of the industry.
A Quick Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
With a Quick ratio value of 0.05, TSU perfoms like the industry average, outperforming 41.25% of the companies in the same 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 18.07% 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
The Revenue has grown by 11.41% in the past year. This is quite good.
The Revenue has been growing by 89.61% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)18.07%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.66%
Revenue 1Y (TTM)11.41%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%268.7%
3.2 Future
The Earnings Per Share is expected to grow by 9.77% on average over the next years. This is quite good.
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
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
TSU is valuated correctly with a Price/Earnings ratio of 14.22.
TSU's Price/Earnings ratio is rather expensive when compared to the industry. TSU is more expensive than 91.25% of the companies in the same industry.
When comparing the Price/Earnings ratio of TSU to the average of the S&P500 Index (25.51), we can say TSU is valued slightly cheaper.
With a Price/Forward Earnings ratio of 11.98, the valuation of TSU can be described as very reasonable.
67.50% of the companies in the same industry are cheaper than TSU, based on the Price/Forward Earnings ratio.
TSU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.22 | ||
| Fwd PE | 11.98 |
4.2 Price Multiples
63.75% of the companies in the same industry are more expensive than TSU, based on the Enterprise Value to EBITDA ratio.
67.50% 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 | 5.08 | ||
| EV/EBITDA | 10.43 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.55
PEG (5Y)0.18
EPS Next 2Y8.97%
EPS Next 3Y9.77%
5. Dividend
5.1 Amount
TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (11/18/2025, 7:00:00 PM)
39.96
-0.36 (-0.89%)
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 Cap1.91B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target54.41 (36.16%)
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)118.47%
Min Revenue beat(2)8.29%
Max Revenue beat(2)228.65%
Revenue beat(4)3
Avg Revenue beat(4)61.01%
Min Revenue beat(4)-0.75%
Max Revenue beat(4)228.65%
Revenue beat(8)6
Avg Revenue beat(8)34.51%
Revenue beat(12)10
Avg Revenue beat(12)29.04%
Revenue beat(16)14
Avg Revenue beat(16)49.26%
PT rev (1m)-2.35%
PT rev (3m)0.18%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)0.81%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.22 | ||
| Fwd PE | 11.98 | ||
| P/S | 0.64 | ||
| P/FCF | 5.08 | ||
| P/OCF | 5.03 | ||
| P/B | 2.11 | ||
| P/tB | 2.11 | ||
| EV/EBITDA | 10.43 |
EPS(TTM)2.81
EY7.03%
EPS(NY)3.34
Fwd EY8.35%
FCF(TTM)7.87
FCFY19.7%
OCF(TTM)7.95
OCFY19.89%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)3.55
PEG (5Y)0.18
Graham Number34.57
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
WACC7.59%
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)18.07%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.66%
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%268.7%
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 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.
Can you provide the PE and PB ratios for TSU stock?
The Price/Earnings (PE) ratio for TRISURA GROUP LTD (TSU.CA) is 14.22 and the Price/Book (PB) ratio is 2.11.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.