TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation

TSX:TSUCA89679A2092

Current stock price

44.02 CAD
+0.37 (+0.85%)
Last:

This TSU.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. TSU.CA Profitability Analysis

1.1 Basic Checks

  • In the past year TSU was profitable.
  • TSU had a positive operating cash flow in the past year.
  • TSU had positive earnings in each of the past 5 years.
  • TSU had a positive operating cash flow in each of the past 5 years.
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 2025 0 100M 200M 300M

1.2 Ratios

  • TSU has a Return On Assets of 2.84%. This is in the better half of the industry: TSU outperforms 77.50% of its industry peers.
  • Looking at the Return On Equity, with a value of 15.38%, TSU belongs to the top of the industry, outperforming 83.75% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 3.25%, TSU is in the better half of the industry, outperforming 77.50% 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 3.17%.
  • The 3 year average ROIC (2.60%) for TSU is below the current ROIC(3.25%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.84%
ROE 15.38%
ROIC 3.25%
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.6%
ROIC(5y)2.33%
TSU.CA Yearly ROA, ROE, ROICTSU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • With a Profit Margin value of 5.02%, TSU is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
  • TSU's Profit Margin has declined in the last couple of years.
  • TSU's Operating Margin of 7.38% is on the low side compared to the rest of the industry. TSU is outperformed by 80.00% of its industry peers.
  • TSU's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 7.38%
PM (TTM) 5.02%
GM N/A
OM growth 3Y42.5%
OM growth 5Y5.15%
PM growth 3Y48.49%
PM growth 5Y-21.15%
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 2025 0 10 -10

5

2. TSU.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TSU is destroying value.
  • TSU has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, TSU has more shares outstanding
  • Compared to 1 year ago, TSU has a worse debt to assets ratio.
TSU.CA Yearly Shares OutstandingTSU.CA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • TSU has an Altman-Z score of 1.08. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.08, TSU belongs to the best of the industry, outperforming 96.25% of the companies in the same industry.
  • 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 97.50% of its industry peers.
  • TSU has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • TSU has a better Debt to Equity ratio (0.02) than 98.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.42
Altman-Z 1.08
ROIC/WACC0.42
WACC7.69%
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 2025 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.02, TSU is in the better half of the industry, outperforming 63.75% of the companies in the same industry.
  • TSU has a Quick Ratio of 0.02. 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 (0.02) is better than 63.75% of its industry peers.
Industry RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
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 2025 50M 100M 150M

5

3. TSU.CA Growth Analysis

3.1 Past

  • TSU shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.78%.
  • Measured over the past years, TSU shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.31% on average per year.
  • The Revenue has decreased by -3.91% in the past year.
  • TSU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 70.48% yearly.
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y16.05%
Revenue growth 5Y70.48%
Sales Q2Q%6.07%

3.2 Future

  • TSU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.62% yearly.
  • TSU is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -17.12% yearly.
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

4

4. TSU.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • TSU is valuated correctly with a Price/Earnings ratio of 15.39.
  • 76.25% of the companies in the same industry are cheaper than TSU, based on the Price/Earnings ratio.
  • TSU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.70.
  • Based on the Price/Forward Earnings ratio of 13.34, the valuation of TSU can be described as correct.
  • 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 68.75% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of TSU to the average of the S&P500 Index (23.84), we can say TSU is valued slightly cheaper.
Industry RankSector Rank
PE 15.39
Fwd PE 13.34
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TSU indicates a somewhat cheap valuation: TSU is cheaper than 67.50% of the companies listed in the same industry.
  • TSU's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 5.54
EV/EBITDA 9.13
TSU.CA Per share dataTSU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as TSU's earnings are expected to grow with 14.62% in the coming years.
PEG (NY)1
PEG (5Y)0.54
EPS Next 2Y14.62%
EPS Next 3YN/A

0

5. TSU.CA Dividend Analysis

5.1 Amount

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

TSU.CA Fundamentals: All Metrics, Ratios and Statistics

TRISURA GROUP LTD

TSX:TSU (3/13/2026, 7:00:00 PM)

44.02

+0.37 (+0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap2.09B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.14 (32.08%)
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)1
Avg EPS beat(2)-0.84%
Min EPS beat(2)-6.27%
Max EPS beat(2)4.59%
EPS beat(4)1
Avg EPS beat(4)-3.14%
Min EPS beat(4)-6.27%
Max EPS beat(4)4.59%
EPS beat(8)4
Avg EPS beat(8)1.26%
EPS beat(12)8
Avg EPS beat(12)5.3%
EPS beat(16)12
Avg EPS beat(16)9.64%
Revenue beat(2)1
Avg Revenue beat(2)18.57%
Min Revenue beat(2)-5.18%
Max Revenue beat(2)42.32%
Revenue beat(4)2
Avg Revenue beat(4)11.17%
Min Revenue beat(4)-5.18%
Max Revenue beat(4)42.32%
Revenue beat(8)5
Avg Revenue beat(8)9.3%
Revenue beat(12)9
Avg Revenue beat(12)11.06%
Revenue beat(16)13
Avg Revenue beat(16)36.09%
PT rev (1m)5.62%
PT rev (3m)6.6%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)1.18%
EPS NY rev (1m)1.44%
EPS NY rev (3m)0.35%
Revenue NQ rev (1m)12.73%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)-42.7%
Revenue NY rev (3m)-42.06%
Valuation
Industry RankSector Rank
PE 15.39
Fwd PE 13.34
P/S 0.74
P/FCF 5.54
P/OCF 5.46
P/B 2.26
P/tB 2.26
EV/EBITDA 9.13
EPS(TTM)2.86
EY6.5%
EPS(NY)3.3
Fwd EY7.49%
FCF(TTM)7.95
FCFY18.06%
OCF(TTM)8.06
OCFY18.3%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)1
PEG (5Y)0.54
Graham Number35.39
Profitability
Industry RankSector Rank
ROA 2.84%
ROE 15.38%
ROCE 4.33%
ROIC 3.25%
ROICexc 3.46%
ROICexgc 8.97%
OM 7.38%
PM (TTM) 5.02%
GM N/A
FCFM 13.34%
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.6%
ROIC(5y)2.33%
ROICexc(3y)2.85%
ROICexc(5y)2.65%
ROICexgc(3y)8.33%
ROICexgc(5y)6.53%
ROCE(3y)3.46%
ROCE(5y)3.11%
ROICexgc growth 3Y27.16%
ROICexgc growth 5Y54.86%
ROICexc growth 3Y32.95%
ROICexc growth 5Y44.16%
OM growth 3Y42.5%
OM growth 5Y5.15%
PM growth 3Y48.49%
PM growth 5Y-21.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.42
Debt/EBITDA 0.1
Cap/Depr 131.67%
Cap/Sales 0.18%
Interest Coverage 55.26
Cash Conversion 179.85%
Profit Quality 265.5%
Current Ratio 0.02
Quick Ratio 0.02
Altman-Z 1.08
F-Score7
WACC7.69%
ROIC/WACC0.42
Cap/Depr(3y)147.36%
Cap/Depr(5y)117.8%
Cap/Sales(3y)0.11%
Cap/Sales(5y)0.3%
Profit Quality(3y)249.06%
Profit Quality(5y)353.5%
High Growth Momentum
Growth
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y16.05%
Revenue growth 5Y70.48%
Sales Q2Q%6.07%
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.83%
EBIT growth 3Y65.37%
EBIT growth 5Y79.26%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y225.88%
FCF growth 3Y36.41%
FCF growth 5Y35.71%
OCF growth 1Y219.73%
OCF growth 3Y36.37%
OCF growth 5Y35.65%

TRISURA GROUP LTD / TSU.CA Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 10 to TSU.CA.


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

ChartMill assigns a valuation rating of 4 / 10 to TRISURA GROUP LTD (TSU.CA). This can be considered as Fairly Valued.


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 15.35% in the next year.