TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis

TSX:TSU • CA89679A2092

46.55 CAD
-0.78 (-1.65%)
Last: Feb 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

TSU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 79 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.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • TSU had positive earnings in the past year.
  • TSU had a positive operating cash flow in the past year.
  • 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.
TSU.CA Yearly Net Income VS EBIT VS OCF VS FCFTSU.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

1.2 Ratios

  • TSU has a Return On Assets of 2.54%. This is in the better half of the industry: TSU outperforms 77.22% of its industry peers.
  • 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's Return On Invested Capital of 2.70% is fine compared to the rest of the industry. TSU outperforms 77.22% 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 3.06%.
  • 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 RankSector 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%
TSU.CA Yearly ROA, ROE, ROICTSU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • With a Profit Margin value of 4.15%, TSU is not doing good in the industry: 81.01% 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.
  • The Operating Margin of TSU (5.79%) is worse than 81.01% of its industry peers.
  • TSU's Operating Margin has declined in the last couple of years.
Industry RankSector 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
TSU.CA Yearly Profit, Operating, Gross MarginsTSU.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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.
  • The number of shares outstanding for TSU has been increased compared to 1 year ago.
  • The number of shares outstanding for TSU has been increased compared to 5 years ago.
  • TSU has a better debt/assets ratio than last year.
TSU.CA Yearly Shares OutstandingTSU.CA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
TSU.CA Yearly Total Debt VS Total AssetsTSU.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • Based on the Altman-Z score of 1.15, we must say that TSU is in the distress zone and has some risk of bankruptcy.
  • TSU has a Altman-Z score of 1.15. This is amongst the best in the industry. TSU outperforms 97.47% 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.
  • TSU has a better Debt to FCF ratio (0.42) than 97.47% 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.
  • The Debt to Equity ratio of TSU (0.11) is better than 92.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.42
Altman-Z 1.15
ROIC/WACC0.35
WACC7.79%
TSU.CA Yearly LT Debt VS Equity VS FCFTSU.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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.
  • TSU has a better Current ratio (0.05) than 62.03% of its industry peers.
  • A Quick Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.05, TSU is in the better half of the industry, outperforming 62.03% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
TSU.CA Yearly Current Assets VS Current LiabilitesTSU.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • 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.
  • The Revenue has grown by 11.41% in the past year. This is quite good.
  • TSU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 89.61% yearly.
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.
  • Based on estimates for the next years, TSU will show a decrease in Revenue. The Revenue will decrease by -8.87% on average per year.
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.
TSU.CA Yearly Revenue VS EstimatesTSU.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
TSU.CA Yearly EPS VS EstimatesTSU.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.05, which indicates a correct valuation of TSU.
  • TSU's Price/Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 78.48% of the companies in the same industry.
  • TSU is valuated rather cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 14.31, TSU is valued correctly.
  • 69.62% 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 28.02, TSU is valued a bit cheaper.
Industry RankSector Rank
PE 16.05
Fwd PE 14.31
TSU.CA Price Earnings VS Forward Price EarningsTSU.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 64.56% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as TSU.
Industry RankSector Rank
P/FCF 5.89
EV/EBITDA 12.07
TSU.CA Per share dataTSU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)14.73
PEG (5Y)0.2
EPS Next 2Y7.58%
EPS Next 3Y9.7%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • TSU does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TRISURA GROUP LTD

TSX:TSU (2/20/2026, 7:00:00 PM)

46.55

-0.78 (-1.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners40.27%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.22B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target55.05 (18.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0.94%
PT rev (3m)1.17%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)-4.83%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.81%
Revenue NQ rev (1m)26.67%
Revenue NQ rev (3m)-28.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.92%
Valuation
Industry RankSector Rank
PE 16.05
Fwd PE 14.31
P/S 0.74
P/FCF 5.89
P/OCF 5.83
P/B 2.45
P/tB 2.45
EV/EBITDA 12.07
EPS(TTM)2.9
EY6.23%
EPS(NY)3.25
Fwd EY6.99%
FCF(TTM)7.9
FCFY16.98%
OCF(TTM)7.98
OCFY17.15%
SpS62.76
BVpS18.97
TBVpS18.97
PEG (NY)14.73
PEG (5Y)0.2
Graham Number35.19
Profitability
Industry RankSector 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 RankSector 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 1.15
F-Score6
WACC7.79%
ROIC/WACC0.35
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.