TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TSU - CA89679A2092 - Common Stock
45.38 CAD
-0.58 (-1.26%)
We assign a fundamental rating of 4 out of 10 to TSU. TSU was compared to 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. While showing a medium growth rate, TSU is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- TSU had positive earnings in the past year.
- In the past year TSU had a positive cash flow from operations.
- 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
- With a decent Return On Assets value of 2.54%, TSU is doing good in the industry, outperforming 77.78% of the companies in the same industry.
- The Return On Equity of TSU (13.72%) is better than 79.01% of its industry peers.
- With a decent Return On Invested Capital value of 2.70%, TSU is doing good in the industry, outperforming 77.78% 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 2.99%.
- 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 79.01% of its industry peers.
- In the last couple of years the Profit Margin of TSU has remained more or less at the same level.
- TSU has a worse Operating Margin (5.79%) than 79.01% of its industry peers.
- In the last couple of years the Operating Margin of TSU has declined.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TSU is destroying value.
- Compared to 1 year ago, TSU has more shares outstanding
- 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.
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.
- TSU's Altman-Z score of 1.14 is amongst the best of the industry. TSU outperforms 97.53% 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.
- TSU's Debt to FCF ratio of 0.42 is amongst the best of the industry. TSU outperforms 97.53% 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.
- With an excellent Debt to Equity ratio value of 0.11, TSU belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.14 |
ROIC/WACC0.36
WACC7.57%
2.3 Liquidity
- A Current Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
- TSU has a Current ratio of 0.05. This is in the better half of the industry: TSU outperforms 61.73% of its industry peers.
- 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 has a Quick ratio of 0.05. This is in the better half of the industry: TSU outperforms 61.73% 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 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.
- Looking at the last year, TSU shows a quite strong growth in Revenue. The Revenue has grown by 11.41% in the last year.
- 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)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
- Based on estimates for the next years, TSU will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.70% on average per year.
- The Revenue is expected to decrease by -8.87% on average over the next years.
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 15.65, TSU is valued correctly.
- Based on the Price/Earnings ratio, TSU is valued a bit more expensive than the industry average as 76.54% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, TSU is valued a bit cheaper.
- A Price/Forward Earnings ratio of 13.95 indicates a correct valuation of TSU.
- 67.90% of the companies in the same industry are cheaper than TSU, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. TSU is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.65 | ||
| Fwd PE | 13.95 |
4.2 Price Multiples
- 65.43% of the companies in the same industry are more expensive than TSU, based on the Enterprise Value to EBITDA ratio.
- The rest of the industry has a similar Price/Free Cash Flow ratio as TSU.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.76 | ||
| EV/EBITDA | 11.8 |
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)14.36
PEG (5Y)0.19
EPS Next 2Y7.58%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
- No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX:TSU (1/16/2026, 7:00:00 PM)
45.38
-0.58 (-1.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-11 2026-02-11
Inst Owners40.27%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.17B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target54.54 (20.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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%
PT rev (3m)-2.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.93%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-43.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.65 | ||
| Fwd PE | 13.95 | ||
| P/S | 0.73 | ||
| P/FCF | 5.76 | ||
| P/OCF | 5.71 | ||
| P/B | 2.4 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 11.8 |
EPS(TTM)2.9
EY6.39%
EPS(NY)3.25
Fwd EY7.17%
FCF(TTM)7.87
FCFY17.35%
OCF(TTM)7.95
OCFY17.52%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)14.36
PEG (5Y)0.19
Graham Number35.12
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 | 1.14 |
F-Score6
WACC7.57%
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)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.