TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - TSX:TSU - CA89679A2092 - Common Stock
39.12 CAD
+2.14 (+5.79%)
Taking everything into account, TSU scores 5 out of 10 in our fundamental rating. TSU was compared to 81 industry peers in the Insurance industry. TSU has only an average score on both its financial health and profitability. TSU is valued quite expensively, but it does show have an excellent growth rating. With these ratings, TSU could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
In the past year TSU was profitable.
TSU had a positive operating cash flow in the past year.
Each year in the past 5 years TSU has been profitable.
In the past 5 years TSU always reported a positive cash flow from operatings.
1.2 Ratios
TSU's Return On Assets of 2.62% is fine compared to the rest of the industry. TSU outperforms 76.54% of its industry peers.
TSU has a Return On Equity of 14.41%. This is amongst the best in the industry. TSU outperforms 88.89% of its industry peers.
The Return On Invested Capital of TSU (2.89%) is better than 76.54% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TSU is in line with the industry average of 2.23%.
The 3 year average ROIC (1.93%) for TSU is below the current ROIC(2.89%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 14.41% | ||
| ROIC | 2.89% |
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's Profit Margin of 3.96% is on the low side compared to the rest of the industry. TSU is outperformed by 97.53% of its industry peers.
TSU's Profit Margin has been stable in the last couple of years.
With a Operating Margin value of 5.74%, TSU is not doing good in the industry: 97.53% 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 | 5.74% | ||
| PM (TTM) | 3.96% | ||
| 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
Compared to 1 year ago, TSU has an improved debt to assets ratio.
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.
Looking at the Altman-Z score, with a value of 1.14, TSU belongs to the top of the industry, outperforming 97.53% of the companies in the same industry.
TSU has a debt to FCF ratio of 0.50. This is a very positive value and a sign of high solvency as it would only need 0.50 years to pay back of all of its debts.
TSU has a Debt to FCF ratio of 0.50. This is amongst the best in the industry. TSU outperforms 81.48% of its industry peers.
TSU has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of TSU (0.12) is better than 91.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.5 | ||
| Altman-Z | 1.14 |
ROIC/WACC0.38
WACC7.58%
2.3 Liquidity
A Current Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
With a Current ratio value of 0.02, TSU perfoms like the industry average, outperforming 41.98% 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.
TSU has a Quick ratio (0.02) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. Growth
3.1 Past
TSU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.55%, which is quite good.
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 very strong growth in Revenue. The Revenue has grown by 22.45%.
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)12.55%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.06%
Revenue 1Y (TTM)22.45%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%19.9%
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 10.20% on average per year.
Based on estimates for the next years, TSU will show a very strong growth in Revenue. The Revenue will grow by 79.08% on average per year.
EPS Next Y4.82%
EPS Next 2Y10.26%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.63, TSU is valued correctly.
TSU's Price/Earnings ratio is rather expensive when compared to the industry. TSU is more expensive than 90.12% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.83, TSU is valued a bit cheaper.
TSU is valuated reasonably with a Price/Forward Earnings ratio of 11.45.
64.20% 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 32.68, TSU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 11.45 |
4.2 Price Multiples
TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 65.43% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, TSU is valued expensively inside the industry as 81.48% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.95 | ||
| EV/EBITDA | 9.36 |
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)2.83
PEG (5Y)0.17
EPS Next 2Y10.26%
EPS Next 3Y10.2%
5. Dividend
5.1 Amount
TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (11/7/2025, 7:00:00 PM)
39.12
+2.14 (+5.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.16%
Inst Owner ChangeN/A
Ins Owners3.46%
Ins Owner ChangeN/A
Market Cap1.87B
Revenue(TTM)3.07B
Net Income(TTM)121.46M
Analysts80
Price Target54.41 (39.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-5.43%
Min EPS beat(2)-5.43%
Max EPS beat(2)-5.43%
EPS beat(4)2
Avg EPS beat(4)2.67%
Min EPS beat(4)-5.43%
Max EPS beat(4)21.03%
EPS beat(8)5
Avg EPS beat(8)2.93%
EPS beat(12)9
Avg EPS beat(12)9.97%
EPS beat(16)12
Avg EPS beat(16)10.06%
Revenue beat(2)1
Avg Revenue beat(2)3.77%
Min Revenue beat(2)-0.75%
Max Revenue beat(2)8.29%
Revenue beat(4)3
Avg Revenue beat(4)5.61%
Min Revenue beat(4)-0.75%
Max Revenue beat(4)8.29%
Revenue beat(8)6
Avg Revenue beat(8)6.09%
Revenue beat(12)10
Avg Revenue beat(12)11.42%
Revenue beat(16)14
Avg Revenue beat(16)36.19%
PT rev (1m)-2.35%
PT rev (3m)1.37%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)-2.81%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 11.45 | ||
| P/S | 0.61 | ||
| P/FCF | 5.95 | ||
| P/OCF | 5.9 | ||
| P/B | 2.22 | ||
| P/tB | 2.22 | ||
| EV/EBITDA | 9.36 |
EPS(TTM)2.87
EY7.34%
EPS(NY)3.42
Fwd EY8.73%
FCF(TTM)6.57
FCFY16.8%
OCF(TTM)6.63
OCFY16.95%
SpS64.23
BVpS17.63
TBVpS17.63
PEG (NY)2.83
PEG (5Y)0.17
Graham Number33.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 14.41% | ||
| ROCE | 3.87% | ||
| ROIC | 2.89% | ||
| ROICexc | 3.05% | ||
| ROICexgc | 8.06% | ||
| OM | 5.74% | ||
| PM (TTM) | 3.96% | ||
| GM | N/A | ||
| FCFM | 10.23% |
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-Score8
Asset Turnover0.66
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.5 | ||
| Debt/EBITDA | 0.55 | ||
| Cap/Depr | 95.3% | ||
| Cap/Sales | 0.1% | ||
| Interest Coverage | 55.56 | ||
| Cash Conversion | 176.89% | ||
| Profit Quality | 258.66% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | 1.14 |
F-Score8
WACC7.58%
ROIC/WACC0.38
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)12.55%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.06%
EPS Next Y4.82%
EPS Next 2Y10.26%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue 1Y (TTM)22.45%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%19.9%
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
Revenue Next 5YN/A
EBIT growth 1Y39.88%
EBIT growth 3Y34.61%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y296.4%
FCF growth 3Y-27.44%
FCF growth 5Y15.97%
OCF growth 1Y289.62%
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 5 / 10 to TSU.CA.
Can you provide the valuation status for TRISURA GROUP LTD?
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.
Can you provide the PE and PB ratios for TSU stock?
The Price/Earnings (PE) ratio for TRISURA GROUP LTD (TSU.CA) is 13.63 and the Price/Book (PB) ratio is 2.22.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.