TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation

TSX:TSUCA89679A2092

Current stock price

42.12 CAD
-0.26 (-0.61%)
Last:

This TSU.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. TSU.CA Profitability Analysis

1.1 Basic Checks

  • TSU had positive earnings in the past year.
  • In the past year TSU had a positive cash flow from operations.
  • 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.
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 2025 0 100M 200M 300M

1.2 Ratios

  • With a decent Return On Assets value of 2.84%, TSU is doing good in the industry, outperforming 75.95% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 15.38%, TSU belongs to the top of the industry, outperforming 82.28% of the companies in the same industry.
  • The Return On Invested Capital of TSU (3.26%) is better than 75.95% 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 3.22%.
  • The last Return On Invested Capital (3.26%) for TSU is above the 3 year average (2.58%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2.84%
ROE 15.38%
ROIC 3.26%
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.58%
ROIC(5y)2.32%
TSU.CA Yearly ROA, ROE, ROICTSU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • TSU's Profit Margin of 5.02% is on the low side compared to the rest of the industry. TSU is outperformed by 81.01% of its industry peers.
  • TSU's Profit Margin has declined in the last couple of years.
  • TSU has a worse Operating Margin (7.39%) than 81.01% of its industry peers.
  • In the last couple of years the Operating Margin of TSU has grown nicely.
Industry RankSector Rank
OM 7.39%
PM (TTM) 5.02%
GM N/A
OM growth 3Y42.08%
OM growth 5Y4.96%
PM growth 3Y48.68%
PM growth 5Y-21.09%
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 2025 0 10 -10

5

2. TSU.CA Health Analysis

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 reduced compared to 1 year ago.
  • TSU has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, TSU has a worse debt to assets ratio.
TSU.CA Yearly Shares OutstandingTSU.CA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • TSU has an Altman-Z score of 1.07. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.07, TSU belongs to the top of the industry, outperforming 96.20% of the companies in the same industry.
  • 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 97.47% of the companies in the same industry.
  • TSU has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • TSU has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. TSU outperforms 98.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.42
Altman-Z 1.07
ROIC/WACC0.43
WACC7.57%
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 2025 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.02, TSU is in the better half of the industry, outperforming 65.82% 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 better Quick ratio (0.02) than 65.82% of 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 2025 50M 100M 150M

5

3. TSU.CA Growth Analysis

3.1 Past

  • TSU shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.78%.
  • TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.31% yearly.
  • The Revenue has decreased by -3.91% in the past year.
  • Measured over the past years, TSU shows a very strong growth in Revenue. The Revenue has been growing by 70.36% on average per year.
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y15.91%
Revenue growth 5Y70.36%
Sales Q2Q%6.07%

3.2 Future

  • The Earnings Per Share is expected to grow by 14.62% on average over the next years. This is quite good.
  • Based on estimates for the next years, TSU will show a very negative growth in Revenue. The Revenue will decrease by -17.12% on average per year.
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
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.
  • 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

4

4. TSU.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.73, the valuation of TSU can be described as correct.
  • 77.22% of the companies in the same industry are cheaper than TSU, based on the Price/Earnings ratio.
  • TSU is valuated rather cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 12.77, TSU is valued correctly.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TSU indicates a slightly more expensive valuation: TSU is more expensive than 69.62% of the companies listed in the same industry.
  • TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 14.73
Fwd PE 12.77
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

  • Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than the industry average as 67.09% of the companies are valued more expensively.
  • TSU's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 5.3
EV/EBITDA 8.78
TSU.CA Per share dataTSU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • TSU's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as TSU's earnings are expected to grow with 14.62% in the coming years.
PEG (NY)0.96
PEG (5Y)0.52
EPS Next 2Y14.62%
EPS Next 3YN/A

0

5. TSU.CA Dividend Analysis

5.1 Amount

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

TSU.CA Fundamentals: All Metrics, Ratios and Statistics

TRISURA GROUP LTD

TSX:TSU (4/2/2026, 7:00:00 PM)

42.12

-0.26 (-0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-30
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap2.00B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.4 (38.65%)
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)1
Avg EPS beat(2)-0.84%
Min EPS beat(2)-6.27%
Max EPS beat(2)4.59%
EPS beat(4)1
Avg EPS beat(4)-3.14%
Min EPS beat(4)-6.27%
Max EPS beat(4)4.59%
EPS beat(8)4
Avg EPS beat(8)1.26%
EPS beat(12)8
Avg EPS beat(12)5.3%
EPS beat(16)12
Avg EPS beat(16)9.64%
Revenue beat(2)1
Avg Revenue beat(2)18.57%
Min Revenue beat(2)-5.18%
Max Revenue beat(2)42.32%
Revenue beat(4)2
Avg Revenue beat(4)11.17%
Min Revenue beat(4)-5.18%
Max Revenue beat(4)42.32%
Revenue beat(8)5
Avg Revenue beat(8)9.3%
Revenue beat(12)9
Avg Revenue beat(12)11.06%
Revenue beat(16)13
Avg Revenue beat(16)36.09%
PT rev (1m)0.44%
PT rev (3m)7.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.43%
EPS NY rev (1m)0%
EPS NY rev (3m)1.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-42.7%
Valuation
Industry RankSector Rank
PE 14.73
Fwd PE 12.77
P/S 0.71
P/FCF 5.3
P/OCF 5.23
P/B 2.16
P/tB 2.16
EV/EBITDA 8.78
EPS(TTM)2.86
EY6.79%
EPS(NY)3.3
Fwd EY7.83%
FCF(TTM)7.95
FCFY18.87%
OCF(TTM)8.06
OCFY19.13%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)0.96
PEG (5Y)0.52
Graham Number35.39
Profitability
Industry RankSector Rank
ROA 2.84%
ROE 15.38%
ROCE 4.34%
ROIC 3.26%
ROICexc 3.46%
ROICexgc 8.98%
OM 7.39%
PM (TTM) 5.02%
GM N/A
FCFM 13.34%
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.58%
ROIC(5y)2.32%
ROICexc(3y)2.83%
ROICexc(5y)2.64%
ROICexgc(3y)8.27%
ROICexgc(5y)6.49%
ROCE(3y)3.43%
ROCE(5y)3.09%
ROICexgc growth 3Y26.63%
ROICexgc growth 5Y54.47%
ROICexc growth 3Y32.4%
ROICexc growth 5Y43.8%
OM growth 3Y42.08%
OM growth 5Y4.96%
PM growth 3Y48.68%
PM growth 5Y-21.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.42
Debt/EBITDA 0.1
Cap/Depr 131.67%
Cap/Sales 0.18%
Interest Coverage 55.33
Cash Conversion 179.64%
Profit Quality 265.5%
Current Ratio 0.02
Quick Ratio 0.02
Altman-Z 1.07
F-Score7
WACC7.57%
ROIC/WACC0.43
Cap/Depr(3y)147.36%
Cap/Depr(5y)117.8%
Cap/Sales(3y)0.11%
Cap/Sales(5y)0.3%
Profit Quality(3y)249.06%
Profit Quality(5y)353.5%
High Growth Momentum
Growth
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y15.91%
Revenue growth 5Y70.36%
Sales Q2Q%6.07%
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.99%
EBIT growth 3Y64.69%
EBIT growth 5Y78.81%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y225.88%
FCF growth 3Y36.41%
FCF growth 5Y35.71%
OCF growth 1Y219.73%
OCF growth 3Y36.37%
OCF growth 5Y35.65%

TRISURA GROUP LTD / TSU.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for TRISURA GROUP LTD?

ChartMill assigns a fundamental rating of 5 / 10 to TSU.CA.


What is the valuation status of TRISURA GROUP LTD (TSU.CA) stock?

ChartMill assigns a valuation rating of 4 / 10 to TRISURA GROUP LTD (TSU.CA). This can be considered as Fairly Valued.


How profitable is TRISURA GROUP LTD (TSU.CA) 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 14.73 and the Price/Book (PB) ratio is 2.16.


What is the expected EPS growth for TRISURA GROUP LTD (TSU.CA) stock?

The Earnings per Share (EPS) of TRISURA GROUP LTD (TSU.CA) is expected to grow by 15.35% in the next year.