TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TSU - CA89679A2092 - Common Stock
39.7 CAD
+0.22 (+0.56%)
Taking everything into account, TSU scores 5 out of 10 in our fundamental rating. TSU was compared to 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. This makes TSU very considerable 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.
In the past 5 years TSU has always been profitable.
Each year in the past 5 years TSU had a positive operating cash flow.
1.2 Ratios
TSU has a Return On Assets of 2.54%. This is in the better half of the industry: TSU outperforms 76.25% of its industry peers.
Looking at the Return On Equity, with a value of 13.72%, TSU is in the better half of the industry, outperforming 78.75% of the companies in the same industry.
TSU has a better Return On Invested Capital (2.70%) than 75.00% of its industry peers.
TSU had an Average Return On Invested Capital over the past 3 years of 1.93%. This is in line with the industry average of 2.46%.
The 3 year average ROIC (1.93%) for TSU is below the current ROIC(2.70%), indicating increased profibility in the last year.
| 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 has a worse Profit Margin (4.15%) than 97.50% of its industry peers.
TSU's Profit Margin has been stable in the last couple of years.
The Operating Margin of TSU (5.79%) is worse than 97.50% of its industry peers.
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
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.
Compared to 5 years ago, TSU has more shares outstanding
TSU has a better debt/assets ratio than last year.
2.2 Solvency
TSU has an Altman-Z score of 1.10. 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 1.10 is amongst the best of the industry. TSU outperforms 96.25% 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.
With an excellent Debt to FCF ratio value of 0.42, TSU belongs to the best 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 has a better Debt to Equity ratio (0.11) than 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
WACC7.49%
2.3 Liquidity
A Current Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
The Current ratio of TSU (0.05) is comparable to the rest of the industry.
A Quick Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
TSU has a Quick ratio (0.05) which is in line with 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.
The Revenue has grown by 11.41% in the past year. This is quite good.
The Revenue has been growing by 89.61% on average over the past years. This is a very strong growth!
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
The Earnings Per Share is expected to grow by 9.77% on average over the next years. This is quite good.
TSU is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 79.08% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.69, the valuation of TSU can be described as correct.
Based on the Price/Earnings ratio, TSU is valued more expensive than 93.75% of the companies in the same industry.
TSU is valuated rather cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.90, the valuation of TSU can be described as reasonable.
63.75% of the companies in the same industry are cheaper than TSU, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of TSU to the average of the S&P500 Index (34.42), we can say TSU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.69 | ||
| Fwd PE | 11.9 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than the industry average as 63.75% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, TSU is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.04 | ||
| EV/EBITDA | 10.26 |
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)3.41
PEG (5Y)0.17
EPS Next 2Y8.97%
EPS Next 3Y9.77%
5. Dividend
5.1 Amount
TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (11/21/2025, 7:00:00 PM)
39.7
+0.22 (+0.56%)
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 Target54.54 (37.38%)
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)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)-2.12%
PT rev (3m)0.41%
EPS NQ rev (1m)-2%
EPS NQ rev (3m)-2%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-5.05%
Revenue NQ rev (1m)-42.6%
Revenue NQ rev (3m)-42.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.69 | ||
| Fwd PE | 11.9 | ||
| P/S | 0.64 | ||
| P/FCF | 5.04 | ||
| P/OCF | 4.99 | ||
| P/B | 2.1 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | 10.26 |
EPS(TTM)2.9
EY7.3%
EPS(NY)3.34
Fwd EY8.41%
FCF(TTM)7.87
FCFY19.83%
OCF(TTM)7.95
OCFY20.02%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)3.41
PEG (5Y)0.17
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 | 1.1 |
F-Score6
WACC7.49%
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 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%6.38%
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 13.69 and the Price/Book (PB) ratio is 2.1.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.