TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation
TSX:TSU • CA89679A2092
43.65 CAD
-0.21 (-0.48%)
Last: Mar 12, 2026, 07:00 PM
This TSU.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
TSU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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. TSU has a decent growth rate and is not valued too expensively.
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.
- TSU had positive earnings in each of the past 5 years.
- TSU had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.84%, TSU is in the better half of the industry, outperforming 77.50% of the companies in the same industry.
- TSU has a better Return On Equity (15.38%) than 83.75% of its industry peers.
- TSU's Return On Invested Capital of 3.25% is fine compared to the rest of the industry. TSU outperforms 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 3.17%.
- The last Return On Invested Capital (3.25%) for TSU is above the 3 year average (2.60%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROIC | 3.25% |
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.6%
ROIC(5y)2.33%
1.3 Margins
- Looking at the Profit Margin, with a value of 5.02%, TSU is doing worse than 80.00% of the companies in the same industry.
- In the last couple of years the Profit Margin of TSU has declined.
- TSU's Operating Margin of 7.38% is on the low side compared to the rest of the industry. TSU is outperformed by 80.00% of its industry peers.
- In the last couple of years the Operating Margin of TSU has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.38% | ||
| PM (TTM) | 5.02% | ||
| GM | N/A |
OM growth 3Y42.5%
OM growth 5Y5.15%
PM growth 3Y48.49%
PM growth 5Y-21.15%
GM growth 3YN/A
GM growth 5YN/A
2. TSU.CA Health Analysis
2.1 Basic Checks
- TSU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, TSU has less shares outstanding
- TSU has more shares outstanding than it did 5 years ago.
- TSU has a worse debt/assets ratio than last year.
2.2 Solvency
- TSU has an Altman-Z score of 1.08. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
- TSU has a Altman-Z score of 1.08. This is amongst the best in 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.
- TSU has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
- With an excellent Debt to Equity ratio value of 0.02, TSU belongs to the best of the industry, outperforming 98.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.08 |
ROIC/WACC0.42
WACC7.69%
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 better Current ratio (0.02) than 63.75% of its industry peers.
- A Quick Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
- With a decent Quick ratio value of 0.02, TSU is doing good in the industry, outperforming 63.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. TSU.CA Growth Analysis
3.1 Past
- The Earnings Per Share has been growing slightly by 1.78% over the past year.
- Measured over the past years, TSU shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.31% on average per year.
- Looking at the last year, TSU shows a decrease in Revenue. The Revenue has decreased by -3.91% in the last year.
- Measured over the past years, TSU shows a very strong growth in Revenue. The Revenue has been growing by 70.48% 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 3Y16.05%
Revenue growth 5Y70.48%
Sales Q2Q%6.07%
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 14.62% on average per year.
- 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.
4. TSU.CA Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 15.26, TSU is valued correctly.
- Based on the Price/Earnings ratio, TSU is valued a bit more expensive than 76.25% of the companies in the same industry.
- TSU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.70.
- TSU is valuated correctly with a Price/Forward Earnings ratio of 13.23.
- TSU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 68.75% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 23.84. TSU is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.26 | ||
| Fwd PE | 13.23 |
4.2 Price Multiples
- TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 67.50% of the companies in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as TSU.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.49 | ||
| EV/EBITDA | 9.13 |
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)0.99
PEG (5Y)0.54
EPS Next 2Y14.62%
EPS Next 3YN/A
5. TSU.CA Dividend Analysis
5.1 Amount
- TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSU.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:TSU (3/12/2026, 7:00:00 PM)
43.65
-0.21 (-0.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12 2026-02-12/amc
Earnings (Next)04-29 2026-04-29
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap2.07B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.14 (33.2%)
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)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)0.35%
Revenue NQ rev (1m)12.73%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)-42.7%
Revenue NY rev (3m)-42.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.26 | ||
| Fwd PE | 13.23 | ||
| P/S | 0.73 | ||
| P/FCF | 5.49 | ||
| P/OCF | 5.42 | ||
| P/B | 2.24 | ||
| P/tB | 2.24 | ||
| EV/EBITDA | 9.13 |
EPS(TTM)2.86
EY6.55%
EPS(NY)3.3
Fwd EY7.56%
FCF(TTM)7.95
FCFY18.21%
OCF(TTM)8.06
OCFY18.46%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)0.99
PEG (5Y)0.54
Graham Number35.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROCE | 4.33% | ||
| ROIC | 3.25% | ||
| ROICexc | 3.46% | ||
| ROICexgc | 8.97% | ||
| OM | 7.38% | ||
| 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)2.6%
ROIC(5y)2.33%
ROICexc(3y)2.85%
ROICexc(5y)2.65%
ROICexgc(3y)8.33%
ROICexgc(5y)6.53%
ROCE(3y)3.46%
ROCE(5y)3.11%
ROICexgc growth 3Y27.16%
ROICexgc growth 5Y54.86%
ROICexc growth 3Y32.95%
ROICexc growth 5Y44.16%
OM growth 3Y42.5%
OM growth 5Y5.15%
PM growth 3Y48.49%
PM growth 5Y-21.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.57
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Debt/EBITDA | 0.1 | ||
| Cap/Depr | 131.67% | ||
| Cap/Sales | 0.18% | ||
| Interest Coverage | 55.26 | ||
| Cash Conversion | 179.85% | ||
| Profit Quality | 265.5% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | 1.08 |
F-Score7
WACC7.69%
ROIC/WACC0.42
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 3Y16.05%
Revenue growth 5Y70.48%
Sales Q2Q%6.07%
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.83%
EBIT growth 3Y65.37%
EBIT growth 5Y79.26%
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 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.