TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - TSX:TSU - CA89679A2092 - Common Stock
39.79 CAD
-0.17 (-0.43%)
TSU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 80 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. TSU is valued quite expensively, but it does show have an excellent growth rating. These ratings would make TSU suitable for growth investing!
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.
TSU had positive earnings in each of the past 5 years.
In the past 5 years TSU always reported a positive cash flow from operatings.
1.2 Ratios
TSU has a better Return On Assets (2.54%) than 76.25% of its industry peers.
The Return On Equity of TSU (13.72%) is better than 78.75% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.70%, TSU is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TSU is in line with the industry average of 2.46%.
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's Profit Margin of 4.15% is on the low side compared to the rest of the industry. TSU is outperformed by 97.50% of its industry peers.
TSU's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 5.79%, TSU is doing worse than 97.50% 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
TSU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 1.10, we must say that TSU is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of TSU (1.10) is better than 96.25% 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.
Looking at the Debt to FCF ratio, with a value of 0.42, TSU belongs to the top of the industry, outperforming 97.50% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that TSU is not too dependend on debt financing.
TSU's Debt to Equity ratio of 0.11 is amongst the best of the industry. TSU outperforms 92.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.1 |
ROIC/WACC0.36
WACC7.58%
2.3 Liquidity
A Current Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
With a Current ratio value of 0.05, TSU perfoms like the industry average, outperforming 41.25% of the companies in the same industry.
TSU has a Quick 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's Quick ratio of 0.05 is in line compared to the rest of the industry. TSU outperforms 41.25% 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 18.07%, 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.
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)18.07%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.66%
Revenue 1Y (TTM)11.41%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%268.7%
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 9.77% on average per year.
The Revenue is expected to grow by 79.08% on average over the next years. This is a very strong growth
EPS Next Y4.01%
EPS Next 2Y8.97%
EPS Next 3Y9.77%
EPS Next 5YN/A
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.16 indicates a correct valuation of TSU.
Based on the Price/Earnings ratio, TSU is valued more expensive than 91.25% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.47. TSU is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.92 indicates a reasonable valuation of TSU.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than the industry average as 65.00% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 35.42. TSU is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.16 | ||
| Fwd PE | 11.92 |
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 65.00% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, TSU is valued a bit more expensive than 66.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.05 | ||
| EV/EBITDA | 10.29 |
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)3.53
PEG (5Y)0.18
EPS Next 2Y8.97%
EPS Next 3Y9.77%
5. Dividend
5.1 Amount
No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (11/19/2025, 7:00:00 PM)
39.79
-0.17 (-0.43%)
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 Cap1.90B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target54.41 (36.74%)
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)118.47%
Min Revenue beat(2)8.29%
Max Revenue beat(2)228.65%
Revenue beat(4)3
Avg Revenue beat(4)61.01%
Min Revenue beat(4)-0.75%
Max Revenue beat(4)228.65%
Revenue beat(8)6
Avg Revenue beat(8)34.51%
Revenue beat(12)10
Avg Revenue beat(12)29.04%
Revenue beat(16)14
Avg Revenue beat(16)49.26%
PT rev (1m)-2.35%
PT rev (3m)0.18%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)0.81%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.16 | ||
| Fwd PE | 11.92 | ||
| P/S | 0.64 | ||
| P/FCF | 5.05 | ||
| P/OCF | 5.01 | ||
| P/B | 2.11 | ||
| P/tB | 2.11 | ||
| EV/EBITDA | 10.29 |
EPS(TTM)2.81
EY7.06%
EPS(NY)3.34
Fwd EY8.39%
FCF(TTM)7.87
FCFY19.79%
OCF(TTM)7.95
OCFY19.98%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)3.53
PEG (5Y)0.18
Graham Number34.57
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 | 1.1 |
F-Score6
WACC7.58%
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)18.07%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.66%
EPS Next Y4.01%
EPS Next 2Y8.97%
EPS Next 3Y9.77%
EPS Next 5YN/A
Revenue 1Y (TTM)11.41%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%268.7%
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
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 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 14.16 and the Price/Book (PB) ratio is 2.11.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.