TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
TSX:TSU - Toronto Stock Exchange - CA89679A2092 - Common Stock - Currency: CAD
TSU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 85 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 not overvalued while it is showing excellent growth. This is an interesting combination.
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
The Return On Assets of TSU (2.59%) is better than 73.26% of its industry peers.
With an excellent Return On Equity value of 15.14%, TSU belongs to the best of the industry, outperforming 82.56% of the companies in the same industry.
TSU has a better Return On Invested Capital (2.70%) than 70.93% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TSU is in line with the industry average of 3.02%.
The 3 year average ROIC (1.96%) for TSU is below the current ROIC(2.70%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.59% | ||
| ROE | 15.14% | ||
| ROIC | 2.7% |
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.96%
ROIC(5y)1.8%
1.3 Margins
Looking at the Profit Margin, with a value of 4.04%, TSU is doing worse than 94.19% of the companies in the same industry.
TSU's Profit Margin has been stable in the last couple of years.
TSU has a worse Operating Margin (5.57%) than 95.35% of its industry peers.
TSU's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.57% | ||
| PM (TTM) | 4.04% | ||
| GM | N/A |
OM growth 3Y-34.19%
OM growth 5YN/A
PM growth 3Y-40.11%
PM growth 5Y-0.59%
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.
Compared to 1 year ago, TSU has more shares outstanding
TSU has more shares outstanding than it did 5 years ago.
TSU has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.07, we must say that TSU is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of TSU (1.07) is better than 97.67% of its industry peers.
TSU has a debt to FCF ratio of 0.93. This is a very positive value and a sign of high solvency as it would only need 0.93 years to pay back of all of its debts.
TSU has a better Debt to FCF ratio (0.93) than 79.07% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that TSU is not too dependend on debt financing.
TSU's Debt to Equity ratio of 0.11 is amongst the best of the industry. TSU outperforms 93.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.93 | ||
| Altman-Z | 1.07 |
ROIC/WACC0.36
WACC7.59%
2.3 Liquidity
TSU has a Current Ratio of 0.04. 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 (0.04) which is in line with its industry peers.
A Quick Ratio of 0.04 indicates that TSU may have some problems paying its short term obligations.
With a Quick ratio value of 0.04, TSU perfoms like the industry average, outperforming 52.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 72.70% over the past year.
The Earnings Per Share has been growing by 28.85% on average over the past years. This is a very strong growth
The Revenue has grown by 23.97% in the past year. This is a very strong growth!
The Revenue has been growing by 89.60% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)72.7%
EPS 3Y18.13%
EPS 5Y28.85%
EPS Q2Q%69.03%
Revenue 1Y (TTM)23.97%
Revenue growth 3Y106.83%
Revenue growth 5Y89.6%
Sales Q2Q%544.94%
3.2 Future
The Earnings Per Share is expected to grow by 13.93% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.93% on average over the next years. This is quite good.
EPS Next Y13.97%
EPS Next 2Y13.93%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.5%
Revenue Next 2Y12.93%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
TSU is valuated correctly with a Price/Earnings ratio of 13.43.
Compared to the rest of the industry, the Price/Earnings ratio of TSU indicates a rather expensive valuation: TSU more expensive than 91.86% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.35, TSU is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.70, the valuation of TSU can be described as very reasonable.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than 66.28% of the companies in the same industry.
TSU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.43 | ||
| Fwd PE | 10.7 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than 74.42% of the companies in the same industry.
TSU's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. TSU is more expensive than 76.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.56 | ||
| EV/EBITDA | 8.52 |
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.
A more expensive valuation may be justified as TSU's earnings are expected to grow with 13.93% in the coming years.
PEG (NY)0.96
PEG (5Y)0.47
EPS Next 2Y13.93%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (3/7/2025, 7:00:00 PM)
32.9
-0.76 (-2.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners38.4%
Inst Owner ChangeN/A
Ins Owners3.37%
Ins Owner ChangeN/A
Market Cap1.57B
Analysts80
Price Target52.59 (59.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
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)204.74%
Min Revenue beat(2)7.03%
Max Revenue beat(2)402.46%
Revenue beat(4)3
Avg Revenue beat(4)106.07%
Min Revenue beat(4)-3.76%
Max Revenue beat(4)402.46%
Revenue beat(8)7
Avg Revenue beat(8)60.32%
Revenue beat(12)11
Avg Revenue beat(12)77.28%
Revenue beat(16)15
Avg Revenue beat(16)64.32%
PT rev (1m)-9.73%
PT rev (3m)-9.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.74%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)-0.87%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.33%
Revenue NY rev (3m)2.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.43 | ||
| Fwd PE | 10.7 | ||
| P/S | 0.53 | ||
| P/FCF | 13.56 | ||
| P/OCF | 13.13 | ||
| P/B | 2 | ||
| P/tB | 2 | ||
| EV/EBITDA | 8.52 |
EPS(TTM)2.45
EY7.45%
EPS(NY)3.08
Fwd EY9.35%
FCF(TTM)2.43
FCFY7.37%
OCF(TTM)2.51
OCFY7.62%
SpS61.64
BVpS16.44
TBVpS16.43
PEG (NY)0.96
PEG (5Y)0.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.59% | ||
| ROE | 15.14% | ||
| ROCE | 3.63% | ||
| ROIC | 2.7% | ||
| ROICexc | 2.87% | ||
| ROICexgc | 8.45% | ||
| OM | 5.57% | ||
| PM (TTM) | 4.04% | ||
| GM | N/A | ||
| FCFM | 3.94% |
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.96%
ROIC(5y)1.8%
ROICexc(3y)2.22%
ROICexc(5y)2.08%
ROICexgc(3y)6.85%
ROICexgc(5y)4.96%
ROCE(3y)2.63%
ROCE(5y)2.41%
ROICexcg growth 3Y37.59%
ROICexcg growth 5YN/A
ROICexc growth 3Y-3.72%
ROICexc growth 5YN/A
OM growth 3Y-34.19%
OM growth 5YN/A
PM growth 3Y-40.11%
PM growth 5Y-0.59%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.64
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.93 | ||
| Debt/EBITDA | 0.51 | ||
| Cap/Depr | 267.43% | ||
| Cap/Sales | 0.13% | ||
| Interest Coverage | 62.14 | ||
| Cash Conversion | 72.35% | ||
| Profit Quality | 97.46% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | 1.07 |
F-Score7
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)72.7%
EPS 3Y18.13%
EPS 5Y28.85%
EPS Q2Q%69.03%
EPS Next Y13.97%
EPS Next 2Y13.93%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.97%
Revenue growth 3Y106.83%
Revenue growth 5Y89.6%
Sales Q2Q%544.94%
Revenue Next Year12.5%
Revenue Next 2Y12.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y78.44%
EBIT growth 3Y36.12%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-54.94%
FCF growth 3Y-27.44%
FCF growth 5Y15.97%
OCF growth 1Y-53.58%
OCF growth 3Y-26.93%
OCF growth 5Y15.45%