TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation
TSX:TSU • CA89679A2092
44.28 CAD
-0.1 (-0.23%)
Last: Mar 9, 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.
Overall TSU gets a fundamental rating of 5 out of 10. We evaluated TSU 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 is not valued too expensively and it also shows a decent growth rate.
1. TSU.CA Profitability Analysis
1.1 Basic Checks
- In the past year TSU was profitable.
- 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
- With a decent Return On Assets value of 2.84%, TSU is doing good in the industry, outperforming 77.50% of the companies in the same industry.
- TSU's Return On Equity of 15.38% is amongst the best of the industry. TSU outperforms 83.75% of its industry peers.
- With a decent Return On Invested Capital value of 3.25%, TSU is doing good in the industry, outperforming 77.50% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for TSU is in line with the industry average of 3.17%.
- The 3 year average ROIC (2.60%) for TSU is below the current ROIC(3.25%), indicating increased profibility in the last year.
| 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
- TSU has a worse Profit Margin (5.02%) than 80.00% of its industry peers.
- TSU's Profit Margin has declined in the last couple of years.
- TSU has a Operating Margin of 7.38%. This is amonst the worse of the industry: TSU underperforms 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
- 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
- TSU has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.08, we must say that TSU is in the distress zone and has some risk of bankruptcy.
- TSU's Altman-Z score of 1.08 is amongst the best of the industry. TSU outperforms 96.25% of its industry peers.
- The Debt to FCF ratio of TSU is 0.42, which is an excellent value as it means it would take TSU, only 0.42 years of fcf income to pay off 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 0.02 indicates that TSU is not too dependend on debt financing.
- TSU has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. TSU outperforms 98.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.08 |
ROIC/WACC0.42
WACC7.69%
2.3 Liquidity
- A Current Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.02, TSU is in the better half of the industry, outperforming 63.75% 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 better Quick ratio (0.02) than 63.75% of its industry peers.
| 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.
- TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.31% yearly.
- Looking at the last year, TSU shows a decrease in Revenue. The Revenue has decreased by -3.91% in the last year.
- The Revenue has been growing by 70.48% on average over the past years. This is a very strong growth!
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
- The Earnings Per Share is expected to grow by 14.62% on average over the next years. This is quite good.
- TSU is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -17.12% yearly.
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
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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. TSU.CA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 15.48, the valuation of TSU can be described as correct.
- 76.25% of the companies in the same industry are cheaper than TSU, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of TSU to the average of the S&P500 Index (26.46), we can say TSU is valued slightly cheaper.
- The Price/Forward Earnings ratio is 13.42, which indicates a correct valuation of TSU.
- 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.
- TSU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.65, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.48 | ||
| Fwd PE | 13.42 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than 66.25% of the companies in the same industry.
- TSU's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.57 | ||
| EV/EBITDA | 9.29 |
4.3 Compensation for Growth
- TSU's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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)1.01
PEG (5Y)0.55
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 (3/9/2026, 7:00:00 PM)
44.28
-0.1 (-0.23%)
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 Cap2.10B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.14 (31.3%)
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 | 15.48 | ||
| Fwd PE | 13.42 | ||
| P/S | 0.74 | ||
| P/FCF | 5.57 | ||
| P/OCF | 5.5 | ||
| P/B | 2.28 | ||
| P/tB | 2.28 | ||
| EV/EBITDA | 9.29 |
EPS(TTM)2.86
EY6.46%
EPS(NY)3.3
Fwd EY7.45%
FCF(TTM)7.95
FCFY17.95%
OCF(TTM)8.06
OCFY18.2%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)1.01
PEG (5Y)0.55
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.