TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TSU - CA89679A2092 - Common Stock
42.61 CAD
+0.39 (+0.92%)
We assign a fundamental rating of 4 out of 10 to TSU. TSU was compared to 79 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. While showing a medium growth rate, TSU is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year TSU was profitable.
TSU had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 2.54%, TSU is in the better half of the industry, outperforming 74.68% of the companies in the same industry.
TSU has a Return On Equity of 13.72%. This is in the better half of the industry: TSU outperforms 75.95% of its industry peers.
TSU has a better Return On Invested Capital (2.70%) than 74.68% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TSU is in line with the industry average of 3.14%.
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: 79.75% 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.
Looking at the Operating Margin, with a value of 5.79%, TSU is doing worse than 79.75% of the companies in the same industry.
TSU's Operating Margin has declined in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TSU is destroying value.
Compared to 1 year ago, TSU has more shares outstanding
The number of shares outstanding for TSU has been increased compared to 5 years ago.
The debt/assets ratio for TSU has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.12, we must say that TSU is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.12, TSU belongs to the top of the industry, outperforming 96.20% of the companies in the same industry.
TSU has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of all of its debts.
TSU has a Debt to FCF ratio of 0.42. This is amongst the best in the industry. TSU outperforms 97.47% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that TSU is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.11, TSU belongs to the top of the industry, outperforming 92.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.12 |
ROIC/WACC0.36
WACC7.56%
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 better than 60.76% of its industry peers.
A Quick Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
The Quick ratio of TSU (0.05) is better than 60.76% of its industry peers.
| 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.
The Revenue has been growing by 89.61% on average over the past years. This is a very strong growth!
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 9.70% on average per year.
TSU is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.87% yearly.
EPS Next Y1.09%
EPS Next 2Y7.58%
EPS Next 3Y9.7%
EPS Next 5YN/A
Revenue Next Year9.31%
Revenue Next 2Y10.72%
Revenue Next 3Y-8.87%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.69, TSU is valued correctly.
Based on the Price/Earnings ratio, TSU is valued a bit more expensive than 75.95% of the companies in the same industry.
TSU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.60.
With a Price/Forward Earnings ratio of 13.10, TSU is valued correctly.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than the industry average as 68.35% of the companies are valued more cheaply.
TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.69 | ||
| Fwd PE | 13.1 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than 63.29% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TSU is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.41 | ||
| EV/EBITDA | 11.08 |
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)13.48
PEG (5Y)0.18
EPS Next 2Y7.58%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX:TSU (1/2/2026, 7:00:00 PM)
42.61
+0.39 (+0.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.13%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.04B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target54.54 (28%)
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)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)0%
PT rev (3m)-2.12%
EPS NQ rev (1m)-1.96%
EPS NQ rev (3m)-3.93%
EPS NY rev (1m)-2.81%
EPS NY rev (3m)-3.56%
Revenue NQ rev (1m)-2.22%
Revenue NQ rev (3m)-43.87%
Revenue NY rev (1m)-0.92%
Revenue NY rev (3m)-0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.69 | ||
| Fwd PE | 13.1 | ||
| P/S | 0.68 | ||
| P/FCF | 5.41 | ||
| P/OCF | 5.36 | ||
| P/B | 2.25 | ||
| P/tB | 2.25 | ||
| EV/EBITDA | 11.08 |
EPS(TTM)2.9
EY6.81%
EPS(NY)3.25
Fwd EY7.63%
FCF(TTM)7.87
FCFY18.48%
OCF(TTM)7.95
OCFY18.66%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)13.48
PEG (5Y)0.18
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 | 1.12 |
F-Score6
WACC7.56%
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 Y1.09%
EPS Next 2Y7.58%
EPS Next 3Y9.7%
EPS Next 5YN/A
Revenue 1Y (TTM)11.41%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%6.38%
Revenue Next Year9.31%
Revenue Next 2Y10.72%
Revenue Next 3Y-8.87%
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 4 / 10 to TSU.CA.
What is the valuation status of TRISURA GROUP LTD (TSU.CA) stock?
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.
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 1.09% in the next year.