TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis

TSX:TSU • CA89679A2092

44.48 CAD
+0.29 (+0.66%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, TSU scores 4 out of 10 in our fundamental rating. TSU was compared to 78 industry peers in the Insurance industry. TSU has an average financial health and profitability rating. TSU is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

5

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.
  • In the past 5 years TSU has always 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 0 100M 200M 300M

1.2 Ratios

  • With a decent Return On Assets value of 2.54%, TSU is doing good in the industry, outperforming 76.92% of the companies in the same industry.
  • TSU has a better Return On Equity (13.72%) than 78.21% 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 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 2.99%.
  • The 3 year average ROIC (1.93%) for TSU is below the current ROIC(2.70%), indicating increased profibility in the last year.
Industry RankSector 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%
TSU.CA Yearly ROA, ROE, ROICTSU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 4.15%, TSU is doing worse than 80.77% of the companies in the same industry.
  • 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 5.79% is on the low side compared to the rest of the industry. TSU is outperformed by 80.77% of its industry peers.
  • TSU's Operating Margin has declined in the last couple of years.
Industry RankSector 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
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 0 10 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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 more shares outstanding
  • TSU has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for TSU has been reduced compared to a year ago.
TSU.CA Yearly Shares OutstandingTSU.CA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B

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 97.44% 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.
  • TSU has a better Debt to FCF ratio (0.42) than 97.44% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that TSU is not too dependend on debt financing.
  • TSU has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. TSU outperforms 92.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.42
Altman-Z 1.13
ROIC/WACC0.35
WACC7.77%
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 200M 400M 600M

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 of 0.05. This is in the better half of the industry: TSU outperforms 62.82% of its industry peers.
  • A Quick Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
  • TSU has a better Quick ratio (0.05) than 62.82% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
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 50M 100M

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 13.28% 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 80.91% on average per year.
  • The Revenue has grown by 11.41% in the past year. This is quite good.
  • 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

  • Based on estimates for the next years, TSU will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.70% on average per year.
  • Based on estimates for the next years, TSU will show a decrease in Revenue. The Revenue will decrease by -8.87% on average per year.
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.
  • 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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.34, the valuation of TSU can be described as correct.
  • Based on the Price/Earnings ratio, TSU is valued a bit more expensive than the industry average as 78.21% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of TSU to the average of the S&P500 Index (27.97), we can say TSU is valued slightly cheaper.
  • TSU is valuated correctly with a Price/Forward Earnings ratio of 13.68.
  • Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than the industry average as 69.23% of the companies are valued more cheaply.
  • TSU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.96.
Industry RankSector Rank
PE 15.34
Fwd PE 13.68
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

  • 64.10% of the companies in the same industry are more expensive than TSU, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TSU is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 5.65
EV/EBITDA 11.56
TSU.CA Per share dataTSU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TSU does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)14.07
PEG (5Y)0.19
EPS Next 2Y7.58%
EPS Next 3Y9.7%

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

0

5. Dividend

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

TRISURA GROUP LTD

TSX:TSU (2/12/2026, 7:00:00 PM)

44.48

+0.29 (+0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-12
Inst Owners40.27%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.13B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target55.05 (23.76%)
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)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)0.94%
PT rev (3m)1.17%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)-4.83%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.56%
Revenue NQ rev (1m)26.67%
Revenue NQ rev (3m)-28.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.92%
Valuation
Industry RankSector Rank
PE 15.34
Fwd PE 13.68
P/S 0.71
P/FCF 5.65
P/OCF 5.6
P/B 2.35
P/tB 2.35
EV/EBITDA 11.56
EPS(TTM)2.9
EY6.52%
EPS(NY)3.25
Fwd EY7.31%
FCF(TTM)7.87
FCFY17.7%
OCF(TTM)7.95
OCFY17.87%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)14.07
PEG (5Y)0.19
Graham Number35.12
Profitability
Industry RankSector 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 RankSector 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
WACC7.77%
ROIC/WACC0.35
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.


What is the valuation status of TRISURA GROUP LTD (TSU.CA) stock?

ChartMill assigns a valuation rating of 3 / 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.


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 1.09% in the next year.