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

TSX:TSU • CA89679A2092

Current stock price

43 CAD
-0.2 (-0.46%)
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

  • In the past year TSU was profitable.
  • 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

  • TSU has a better Return On Assets (2.84%) than 76.92% of its industry peers.
  • TSU's Return On Equity of 15.38% is amongst the best of the industry. TSU outperforms 83.33% of its industry peers.
  • TSU has a better Return On Invested Capital (3.26%) than 76.92% 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 3.17%.
  • 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

  • Looking at the Profit Margin, with a value of 5.02%, TSU is doing worse than 79.49% of the companies in the same industry.
  • TSU's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 7.39%, TSU is doing worse than 79.49% of the companies in the same industry.
  • 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, TSU has less shares outstanding
  • Compared to 5 years ago, TSU has more shares outstanding
  • 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.
  • The Altman-Z score of TSU (1.07) is better than 96.15% 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.
  • The Debt to FCF ratio of TSU (0.42) is better than 97.44% of its industry peers.
  • A Debt/Equity ratio of 0.02 indicates that TSU is not too dependend on debt financing.
  • The Debt to Equity ratio of TSU (0.02) is better than 98.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.42
Altman-Z 1.07
ROIC/WACC0.43
WACC7.58%
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

  • 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.
  • With a decent Current ratio value of 0.02, TSU is doing good in the industry, outperforming 64.10% of the companies in the same industry.
  • A Quick Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
  • TSU has a Quick ratio of 0.02. This is in the better half of the industry: TSU outperforms 64.10% 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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. TSU.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.78% over the past year.
  • TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.31% yearly.
  • TSU shows a decrease in Revenue. In the last year, the revenue decreased by -3.91%.
  • TSU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 70.36% yearly.
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.
  • The Revenue is expected to decrease by -17.12% on average over the next years. This is quite bad
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

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4

4. TSU.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.03, which indicates a correct valuation of TSU.
  • 74.36% of the companies in the same industry are cheaper than TSU, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, TSU is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 13.03, TSU is valued correctly.
  • 67.95% of the companies in the same industry are cheaper than TSU, based on the Price/Forward Earnings ratio.
  • TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.42.
Industry RankSector Rank
PE 15.03
Fwd PE 13.03
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

  • TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 66.67% of the companies in the same industry.
  • TSU's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 5.41
EV/EBITDA 8.97
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)0.98
PEG (5Y)0.53
EPS Next 2Y14.62%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TSU.CA Dividend Analysis

5.1 Amount

  • No dividends for TSU!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

TSU.CA Fundamentals: All Metrics, Ratios and Statistics

TRISURA GROUP LTD

TSX:TSU (3/20/2026, 7:00:00 PM)

43

-0.2 (-0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap2.04B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.14 (35.21%)
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)5.62%
PT rev (3m)6.6%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)1.18%
EPS NY rev (1m)1.44%
EPS NY rev (3m)1.44%
Revenue NQ rev (1m)12.73%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)-42.7%
Revenue NY rev (3m)-42.7%
Valuation
Industry RankSector Rank
PE 15.03
Fwd PE 13.03
P/S 0.72
P/FCF 5.41
P/OCF 5.34
P/B 2.21
P/tB 2.21
EV/EBITDA 8.97
EPS(TTM)2.86
EY6.65%
EPS(NY)3.3
Fwd EY7.67%
FCF(TTM)7.95
FCFY18.49%
OCF(TTM)8.06
OCFY18.74%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)0.98
PEG (5Y)0.53
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
WACC7.58%
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.


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 15.35% in the next year.