TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
TSX:TSU - Toronto Stock Exchange - CA89679A2092 - Common Stock - Currency: CAD
Taking everything into account, TSU scores 4 out of 10 in our fundamental rating. TSU was compared to 79 industry peers in the Insurance industry. There are concerns on the financial health of TSU while its profitability can be described as average. TSU shows excellent growth, but is valued quite expensive already.
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.
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
The Return On Assets of TSU (2.43%) is better than 74.68% of its industry peers.
TSU has a Return On Equity of 13.60%. This is amongst the best in the industry. TSU outperforms 87.34% of its industry peers.
With a decent Return On Invested Capital value of 2.56%, TSU is doing good in the industry, outperforming 72.15% of the companies in the same industry.
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 2.70%.
The last Return On Invested Capital (2.56%) for TSU is above the 3 year average (1.93%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 13.6% | ||
| ROIC | 2.56% |
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
The Profit Margin of TSU (3.79%) is worse than 94.94% 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's Operating Margin of 5.31% is on the low side compared to the rest of the industry. TSU is outperformed by 97.47% of its industry peers.
TSU's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.31% | ||
| PM (TTM) | 3.79% | ||
| 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.
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
Compared to 1 year ago, TSU has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.16, we must say that TSU is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of TSU (1.16) is better than 96.20% of its industry peers.
The Debt to FCF ratio of TSU is 92.42, which is on the high side as it means it would take TSU, 92.42 years of fcf income to pay off all of its debts.
TSU has a worse Debt to FCF ratio (92.42) than 98.73% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that TSU is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.10, TSU belongs to the top of the industry, outperforming 91.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 92.42 | ||
| Altman-Z | 1.16 |
ROIC/WACC0.31
WACC8.3%
2.3 Liquidity
TSU has a Current Ratio of 0.04. 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 Current ratio value of 0.04, TSU perfoms like the industry average, outperforming 41.77% of the companies in the same industry.
TSU has a Quick Ratio of 0.04. 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 0.04, TSU is in line with its industry, outperforming 41.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.51% over the past year.
The Earnings Per Share has been growing by 80.91% on average over the past years. This is a very strong growth
TSU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.99%.
The Revenue has been growing by 89.61% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)15.51%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%2.94%
Revenue 1Y (TTM)17.99%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%-4.95%
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 11.56% on average per year.
Based on estimates for the next years, TSU will show a quite strong growth in Revenue. The Revenue will grow by 10.13% on average per year.
EPS Next Y9.54%
EPS Next 2Y11.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.4%
Revenue Next 2Y10.13%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 15.43 indicates a correct valuation of TSU.
Compared to the rest of the industry, the Price/Earnings ratio of TSU indicates a rather expensive valuation: TSU more expensive than 93.67% of the companies listed in the same industry.
TSU is valuated rather cheaply when we compare the Price/Earnings ratio to 27.28, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 12.49, TSU is valued correctly.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than the industry average as 67.09% of the companies are valued more cheaply.
TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.43 | ||
| Fwd PE | 12.49 |
4.2 Price Multiples
TSU's Enterprise Value to EBITDA is on the same level as the industry average.
TSU's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TSU is more expensive than 98.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1794.53 | ||
| EV/EBITDA | 12.42 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.62
PEG (5Y)0.19
EPS Next 2Y11.56%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (7/2/2025, 7:00:00 PM)
43.68
-0.6 (-1.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners37.26%
Inst Owner ChangeN/A
Ins Owners3.47%
Ins Owner ChangeN/A
Market Cap2.09B
Analysts80
Price Target53.91 (23.42%)
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)1
Avg EPS beat(2)7.8%
Min EPS beat(2)-5.43%
Max EPS beat(2)21.03%
EPS beat(4)2
Avg EPS beat(4)3.56%
Min EPS beat(4)-5.43%
Max EPS beat(4)21.03%
EPS beat(8)6
Avg EPS beat(8)4.31%
EPS beat(12)10
Avg EPS beat(12)11.74%
EPS beat(16)13
Avg EPS beat(16)11.66%
Revenue beat(2)1
Avg Revenue beat(2)3.55%
Min Revenue beat(2)-0.75%
Max Revenue beat(2)7.86%
Revenue beat(4)2
Avg Revenue beat(4)2.59%
Min Revenue beat(4)-3.76%
Max Revenue beat(4)7.86%
Revenue beat(8)6
Avg Revenue beat(8)8.58%
Revenue beat(12)10
Avg Revenue beat(12)41.73%
Revenue beat(16)14
Avg Revenue beat(16)37.93%
PT rev (1m)0.68%
PT rev (3m)2.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.61%
EPS NY rev (1m)0%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.43 | ||
| Fwd PE | 12.49 | ||
| P/S | 0.71 | ||
| P/FCF | 1794.53 | ||
| P/OCF | 383.86 | ||
| P/B | 2.55 | ||
| P/tB | 2.55 | ||
| EV/EBITDA | 12.42 |
EPS(TTM)2.83
EY6.48%
EPS(NY)3.5
Fwd EY8.01%
FCF(TTM)0.02
FCFY0.06%
OCF(TTM)0.11
OCFY0.26%
SpS61.56
BVpS17.16
TBVpS17.16
PEG (NY)1.62
PEG (5Y)0.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 13.6% | ||
| ROCE | 3.44% | ||
| ROIC | 2.56% | ||
| ROICexc | 2.7% | ||
| ROICexgc | 7.37% | ||
| OM | 5.31% | ||
| PM (TTM) | 3.79% | ||
| GM | N/A | ||
| FCFM | 0.04% |
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%
ROICexcg growth 3Y36.06%
ROICexcg 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-Score7
Asset Turnover0.64
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 92.42 | ||
| Debt/EBITDA | 0.53 | ||
| Cap/Depr | 230.28% | ||
| Cap/Sales | 0.15% | ||
| Interest Coverage | 54.57 | ||
| Cash Conversion | 3.44% | ||
| Profit Quality | 1.04% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | 1.16 |
F-Score7
WACC8.3%
ROIC/WACC0.31
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)15.51%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%2.94%
EPS Next Y9.54%
EPS Next 2Y11.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.99%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%-4.95%
Revenue Next Year8.4%
Revenue Next 2Y10.13%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y26.67%
EBIT growth 3Y34.61%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-99.21%
FCF growth 3Y-27.44%
FCF growth 5Y15.97%
OCF growth 1Y-96.38%
OCF growth 3Y-26.93%
OCF growth 5Y15.45%