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TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis

Canada - TSX:TSU - CA89679A2092 - Common Stock

37 CAD
+0.42 (+1.15%)
Last: 10/17/2025, 7:00:00 PM
Fundamental Rating

5

Overall TSU gets a fundamental rating of 5 out of 10. We evaluated TSU against 80 industry peers in the Insurance industry. TSU has only an average score on both its financial health and profitability. TSU is valued quite expensive, but it does show an excellent growth. These ratings would make TSU suitable for growth investing!


Dividend Valuation Growth Profitability Health

5

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.
In the past 5 years TSU has always 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 better Return On Assets (2.62%) than 77.50% of its industry peers.
TSU has a Return On Equity of 14.41%. This is amongst the best in the industry. TSU outperforms 90.00% of its industry peers.
The Return On Invested Capital of TSU (2.89%) is better than 77.50% 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 2.18%.
The 3 year average ROIC (1.93%) for TSU is below the current ROIC(2.89%), indicating increased profibility in the last year.
Industry RankSector 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%
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

The Profit Margin of TSU (3.96%) is worse than 96.25% of its industry peers.
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 5.74%, TSU is not doing good in the industry: 96.25% of the companies in the same industry are doing better.
TSU's Operating Margin has declined in the last couple of years.
Industry RankSector 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
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

5

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TSU 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

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.
The Altman-Z score of TSU (1.14) is better than 97.50% of its industry peers.
The Debt to FCF ratio of TSU is 0.50, which is an excellent value as it means it would take TSU, only 0.50 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.50, TSU belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
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 91.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.5
Altman-Z 1.14
ROIC/WACC0.37
WACC7.75%
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 0.02. 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 Current ratio (0.02) which is in line with its industry peers.
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 RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
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

9

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.
TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 80.91% yearly.
The Revenue has grown by 22.45% in the past year. This is a very strong growth!
TSU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 89.61% yearly.
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

The Earnings Per Share is expected to grow by 10.20% on average over the next years. This is quite good.
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

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is stable: in the next years the growth will be about the same 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 1B 2B 3B
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

3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.89 indicates a correct valuation of TSU.
Based on the Price/Earnings ratio, TSU is valued more expensive than 92.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.40. TSU is valued rather cheaply when compared to this.
TSU is valuated reasonably with a Price/Forward Earnings ratio of 10.83.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than the industry average as 63.75% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.94. TSU is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.89
Fwd PE 10.83
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TSU indicates a somewhat cheap valuation: TSU is cheaper than 66.25% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, TSU is valued expensively inside the industry as 81.25% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 5.63
EV/EBITDA 9.25
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 an expensive valuation of the company.
PEG (NY)2.68
PEG (5Y)0.16
EPS Next 2Y10.26%
EPS Next 3Y10.2%

0

5. Dividend

5.1 Amount

TSU does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

TRISURA GROUP LTD

TSX:TSU (10/17/2025, 7:00:00 PM)

37

+0.42 (+1.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)10-30 2025-10-30
Inst Owners40.16%
Inst Owner ChangeN/A
Ins Owners3.46%
Ins Owner ChangeN/A
Market Cap1.77B
Analysts80
Price Target55.72 (50.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0%
PT rev (3m)3.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.96%
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 RankSector Rank
PE 12.89
Fwd PE 10.83
P/S 0.58
P/FCF 5.63
P/OCF 5.58
P/B 2.1
P/tB 2.1
EV/EBITDA 9.25
EPS(TTM)2.87
EY7.76%
EPS(NY)3.42
Fwd EY9.23%
FCF(TTM)6.57
FCFY17.76%
OCF(TTM)6.63
OCFY17.93%
SpS64.23
BVpS17.63
TBVpS17.63
PEG (NY)2.68
PEG (5Y)0.16
Profitability
Industry RankSector 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%
ROICexcg growth 3Y36.06%
ROICexcg 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 RankSector 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
WACC7.75%
ROIC/WACC0.37
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%