TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TSU - CA89679A2092 - Common Stock
43.53 CAD
+0.08 (+0.18%)
TSU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. TSU has an average financial health and profitability rating. While showing a medium growth rate, TSU is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year TSU was profitable.
TSU had a positive operating cash flow in the past year.
TSU had positive earnings in each of the past 5 years.
Each year in the past 5 years TSU had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.54%, TSU is in the better half of the industry, outperforming 75.61% of the companies in the same industry.
TSU has a Return On Equity of 13.72%. This is in the better half of the industry: TSU outperforms 76.83% of its industry peers.
TSU has a Return On Invested Capital of 2.70%. This is in the better half of the industry: TSU outperforms 75.61% 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 2.47%.
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 has a Profit Margin of 4.15%. This is amonst the worse of the industry: TSU underperforms 98.78% 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 Operating Margin of 5.79%. This is amonst the worse of the industry: TSU underperforms 98.78% 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TSU is destroying value.
TSU has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, TSU has more shares outstanding
Compared to 1 year ago, TSU has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.13, we must say that TSU is in the distress zone and has some risk of bankruptcy.
TSU has a Altman-Z score of 1.13. This is amongst the best in the industry. TSU outperforms 96.34% 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.
Looking at the Debt to FCF ratio, with a value of 0.42, TSU belongs to the top of the industry, outperforming 97.56% 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 92.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.13 |
ROIC/WACC0.36
WACC7.56%
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 (0.05) which is in line with 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.
Looking at the Quick ratio, with a value of 0.05, TSU is in line with its industry, outperforming 42.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.28% over the past year.
TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 80.91% yearly.
TSU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.41%.
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
TSU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.70% yearly.
TSU is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.87% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
TSU is valuated correctly with a Price/Earnings ratio of 15.01.
Based on the Price/Earnings ratio, TSU is valued more expensive than 95.12% of the companies in the same industry.
TSU is valuated rather cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
TSU is valuated correctly with a Price/Forward Earnings ratio of 13.38.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than 69.51% of the companies in the same industry.
TSU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.01 | ||
| Fwd PE | 13.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than the industry average as 63.41% of the companies are valued more expensively.
TSU's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. TSU is more expensive than 76.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.53 | ||
| EV/EBITDA | 11.3 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)13.77
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 (12/19/2025, 7:00:00 PM)
43.53
+0.08 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.13%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.08B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target54.54 (25.29%)
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)0.23%
PT rev (3m)-2.12%
EPS NQ rev (1m)-1.96%
EPS NQ rev (3m)-3.93%
EPS NY rev (1m)-2.81%
EPS NY rev (3m)-3.56%
Revenue NQ rev (1m)-2.22%
Revenue NQ rev (3m)-43.87%
Revenue NY rev (1m)-0.92%
Revenue NY rev (3m)-0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.01 | ||
| Fwd PE | 13.38 | ||
| P/S | 0.7 | ||
| P/FCF | 5.53 | ||
| P/OCF | 5.48 | ||
| P/B | 2.3 | ||
| P/tB | 2.3 | ||
| EV/EBITDA | 11.3 |
EPS(TTM)2.9
EY6.66%
EPS(NY)3.25
Fwd EY7.47%
FCF(TTM)7.87
FCFY18.09%
OCF(TTM)7.95
OCFY18.26%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)13.77
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 | 1.13 |
F-Score6
WACC7.56%
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.
Can you provide the valuation status for TRISURA GROUP LTD?
ChartMill assigns a valuation rating of 2 / 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 15.01 and the Price/Book (PB) ratio is 2.3.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.