TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation
TSX:TSU • CA89679A2092
Current stock price
42.23 CAD
+0.11 (+0.26%)
Last:
This TSU.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. TSU.CA Profitability Analysis
1.1 Basic Checks
- TSU had positive earnings in the past year.
- In the past year TSU had a positive cash flow from operations.
- In the past 5 years TSU has always been profitable.
- TSU had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of TSU (2.84%) is better than 77.22% of its industry peers.
- TSU has a Return On Equity of 15.38%. This is amongst the best in the industry. TSU outperforms 83.54% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 3.26%, TSU is in the better half of the industry, outperforming 77.22% 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 (2.58%) for TSU is below the current ROIC(3.26%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROIC | 3.26% |
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.58%
ROIC(5y)2.32%
1.3 Margins
- TSU's Profit Margin of 5.02% is on the low side compared to the rest of the industry. TSU is outperformed by 79.75% of its industry peers.
- In the last couple of years the Profit Margin of TSU has declined.
- The Operating Margin of TSU (7.39%) is worse than 79.75% of its industry peers.
- In the last couple of years the Operating Margin of TSU has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.39% | ||
| PM (TTM) | 5.02% | ||
| GM | N/A |
OM growth 3Y42.08%
OM growth 5Y4.96%
PM growth 3Y48.68%
PM growth 5Y-21.09%
GM growth 3YN/A
GM growth 5YN/A
2. TSU.CA Health Analysis
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.
- TSU has less shares outstanding than it did 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 a worse debt to assets ratio.
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.
- TSU has a Altman-Z score of 1.07. This is amongst the best in the industry. TSU outperforms 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.
- Looking at the Debt to FCF ratio, with a value of 0.42, TSU belongs to the top of the industry, outperforming 97.47% of the companies in the same industry.
- TSU has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of TSU (0.02) is better than 98.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.07 |
ROIC/WACC0.43
WACC7.57%
2.3 Liquidity
- A Current Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
- TSU has a better Current ratio (0.02) than 64.56% of its industry peers.
- A Quick Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
- With a decent Quick ratio value of 0.02, TSU is doing good in the industry, outperforming 64.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. TSU.CA Growth Analysis
3.1 Past
- The Earnings Per Share has been growing slightly by 1.78% over the past year.
- 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.
- Looking at the last year, TSU shows a decrease in Revenue. The Revenue has decreased by -3.91% in the last year.
- The Revenue has been growing by 70.36% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y15.91%
Revenue growth 5Y70.36%
Sales Q2Q%6.07%
3.2 Future
- The Earnings Per Share is expected to grow by 14.62% on average over the next years. This is quite good.
- The Revenue is expected to decrease by -17.12% on average over the next years. This is quite bad
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.
4. TSU.CA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 14.77, the valuation of TSU can be described as correct.
- Based on the Price/Earnings ratio, TSU is valued a bit more expensive than the industry average as 75.95% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 26.21, TSU is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 12.80, 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 68.35% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 23.13. TSU is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.77 | ||
| Fwd PE | 12.8 |
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 65.82% of the companies listed in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as TSU.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.31 | ||
| EV/EBITDA | 8.8 |
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.
- TSU's earnings are expected to grow with 14.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.96
PEG (5Y)0.52
EPS Next 2Y14.62%
EPS Next 3YN/A
5. TSU.CA Dividend Analysis
5.1 Amount
- No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSU.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:TSU (4/6/2026, 7:00:00 PM)
42.23
+0.11 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12 2026-02-12/amc
Earnings (Next)04-30 2026-04-30
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap2.01B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.4 (38.29%)
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)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)0.44%
PT rev (3m)7.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.43%
EPS NY rev (1m)0%
EPS NY rev (3m)1.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-42.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.77 | ||
| Fwd PE | 12.8 | ||
| P/S | 0.71 | ||
| P/FCF | 5.31 | ||
| P/OCF | 5.24 | ||
| P/B | 2.17 | ||
| P/tB | 2.17 | ||
| EV/EBITDA | 8.8 |
EPS(TTM)2.86
EY6.77%
EPS(NY)3.3
Fwd EY7.81%
FCF(TTM)7.95
FCFY18.82%
OCF(TTM)8.06
OCFY19.08%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)0.96
PEG (5Y)0.52
Graham Number35.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROCE | 4.34% | ||
| ROIC | 3.26% | ||
| ROICexc | 3.46% | ||
| ROICexgc | 8.98% | ||
| OM | 7.39% | ||
| 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)2.58%
ROIC(5y)2.32%
ROICexc(3y)2.83%
ROICexc(5y)2.64%
ROICexgc(3y)8.27%
ROICexgc(5y)6.49%
ROCE(3y)3.43%
ROCE(5y)3.09%
ROICexgc growth 3Y26.63%
ROICexgc growth 5Y54.47%
ROICexc growth 3Y32.4%
ROICexc growth 5Y43.8%
OM growth 3Y42.08%
OM growth 5Y4.96%
PM growth 3Y48.68%
PM growth 5Y-21.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.57
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Debt/EBITDA | 0.1 | ||
| Cap/Depr | 131.67% | ||
| Cap/Sales | 0.18% | ||
| Interest Coverage | 55.33 | ||
| Cash Conversion | 179.64% | ||
| Profit Quality | 265.5% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | 1.07 |
F-Score7
WACC7.57%
ROIC/WACC0.43
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 3Y15.91%
Revenue growth 5Y70.36%
Sales Q2Q%6.07%
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.99%
EBIT growth 3Y64.69%
EBIT growth 5Y78.81%
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.
How profitable is TRISURA GROUP LTD (TSU.CA) 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 14.77 and the Price/Book (PB) ratio is 2.17.
What is the expected EPS growth for TRISURA GROUP LTD (TSU.CA) stock?
The Earnings per Share (EPS) of TRISURA GROUP LTD (TSU.CA) is expected to grow by 15.35% in the next year.