TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TSU - CA89679A2092 - Common Stock
45.38 CAD
-0.58 (-1.26%)
We assign a fundamental rating of 4 out of 10 to TSU. TSU was compared to 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.
- 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 77.78% of the companies in the same industry.
- 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
- TSU has a worse Profit Margin (4.15%) than 79.01% of its industry peers.
- TSU's Profit Margin has been stable in the last couple of years.
- TSU's Operating Margin of 5.79% is on the low side compared to the rest of the industry. TSU is outperformed by 79.01% of its industry peers.
- 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.
- TSU has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, TSU has more shares outstanding
- The debt/assets ratio for TSU has been reduced compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.14, we must say that TSU is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of TSU (1.14) is better than 96.30% of its industry peers.
- 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.
- The Debt to FCF ratio of TSU (0.42) is better than 97.53% of its industry peers.
- TSU has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
- TSU has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. TSU outperforms 92.59% of its industry peers.
| 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.
- TSU has a Quick ratio of 0.05. This is in the better half of the industry: TSU outperforms 61.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
- TSU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.28%, which is quite good.
- TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 80.91% yearly.
- TSU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.41%.
- 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.
- 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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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 15.65, TSU is valued correctly.
- 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.
- TSU is valuated rather cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- TSU is valuated correctly with a Price/Forward Earnings ratio of 13.95.
- 67.90% of the companies in the same industry are cheaper than TSU, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, TSU is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.65 | ||
| Fwd PE | 13.95 |
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 65.43% of the companies listed in the same industry.
- TSU's Price/Free Cash Flow ratio is in line with the industry average.
| 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 an expensive valuation of the company.
PEG (NY)14.36
PEG (5Y)0.19
EPS Next 2Y7.58%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
- TSU does not give a dividend.
| 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.