TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TSU - CA89679A2092 - Common Stock
45.38 CAD
-0.58 (-1.26%)
TSU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. TSU has only an average score on both its financial health and profitability. 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.
- In the past year TSU had a positive cash flow from operations.
- Each year in the past 5 years TSU has been profitable.
- Each year in the past 5 years TSU had a positive operating cash flow.
1.2 Ratios
- TSU has a better Return On Assets (2.54%) than 77.78% of its industry peers.
- With a decent Return On Equity value of 13.72%, TSU is doing good in the industry, outperforming 79.01% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 2.70%, TSU is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
- TSU had an Average Return On Invested Capital over the past 3 years of 1.93%. This is in line with the industry average of 2.99%.
- 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
- Looking at the Profit Margin, with a value of 4.15%, TSU is doing worse than 79.01% of the companies in the same industry.
- 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: 79.01% 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
- 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
- Compared to 5 years ago, TSU has more shares outstanding
- Compared to 1 year ago, TSU has an improved debt to assets ratio.
2.2 Solvency
- TSU has an Altman-Z score of 1.14. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
- TSU's Altman-Z score of 1.14 is amongst the best of the industry. TSU outperforms 96.30% 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.
- TSU has a Debt to FCF ratio of 0.42. This is amongst the best in the industry. TSU outperforms 97.53% of its industry peers.
- A Debt/Equity ratio of 0.11 indicates that TSU is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.11, TSU belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.14 |
ROIC/WACC0.36
WACC7.57%
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.
- Looking at the Current ratio, with a value of 0.05, TSU is in the better half of the industry, outperforming 61.73% of the companies in the same industry.
- 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 61.73% 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.
- Measured over the past years, TSU shows a very strong growth in Earnings Per Share. The EPS has been growing by 80.91% on average per year.
- TSU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.41%.
- Measured over the past years, TSU shows a very strong growth in Revenue. The Revenue has been growing by 89.61% on average per year.
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
- TSU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.70% yearly.
- The Revenue is expected to decrease by -8.87% on average over the next years.
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
- Based on the Price/Earnings ratio of 15.65, the valuation of TSU can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of TSU indicates a slightly more expensive valuation: TSU is more expensive than 76.54% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of TSU to the average of the S&P500 Index (27.47), we can say TSU is valued slightly cheaper.
- A Price/Forward Earnings ratio of 13.95 indicates a correct valuation of TSU.
- 67.90% of the companies in the same industry are cheaper than TSU, based on the Price/Forward Earnings ratio.
- TSU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.65 | ||
| Fwd PE | 13.95 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than 65.43% 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 | 5.76 | ||
| EV/EBITDA | 11.96 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TSU does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)14.36
PEG (5Y)0.19
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 (1/16/2026, 7:00:00 PM)
45.38
-0.58 (-1.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-05 2026-02-05
Inst Owners40.27%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.17B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target54.54 (20.19%)
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)0%
EPS NQ rev (3m)-3.93%
EPS NY rev (1m)-0.84%
EPS NY rev (3m)-3.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-43.87%
Revenue NY rev (1m)-0.92%
Revenue NY rev (3m)-0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.65 | ||
| Fwd PE | 13.95 | ||
| P/S | 0.73 | ||
| P/FCF | 5.76 | ||
| P/OCF | 5.71 | ||
| P/B | 2.4 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 11.96 |
EPS(TTM)2.9
EY6.39%
EPS(NY)3.25
Fwd EY7.17%
FCF(TTM)7.87
FCFY17.35%
OCF(TTM)7.95
OCFY17.52%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)14.36
PEG (5Y)0.19
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 | 1.14 |
F-Score6
WACC7.57%
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.