TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis

TSX:TSU • CA89679A2092

45.35 CAD
-1.2 (-2.58%)
Last: Feb 24, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

TSU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 79 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 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

  • 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.
  • 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

  • TSU's Return On Assets of 2.54% is fine compared to the rest of the industry. TSU outperforms 77.22% of its industry peers.
  • TSU has a better Return On Equity (13.72%) than 75.95% of its industry peers.
  • TSU has a better Return On Invested Capital (2.70%) than 77.22% 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 3.06%.
  • 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 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

  • TSU has a Profit Margin of 4.15%. This is amonst the worse of the industry: TSU underperforms 81.01% of its industry peers.
  • TSU's Profit Margin has been stable in the last couple of years.
  • TSU has a Operating Margin of 5.79%. This is amonst the worse of the industry: TSU underperforms 81.01% of its industry peers.
  • In the last couple of years the Operating Margin of TSU has declined.
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.
  • 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
  • TSU has a better debt/assets ratio than last year.
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

  • TSU has an Altman-Z score of 1.14. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
  • TSU's Altman-Z score of 1.14 is amongst the best of the industry. TSU outperforms 97.47% 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.
  • The Debt to FCF ratio of TSU (0.42) is better than 97.47% of its industry peers.
  • TSU has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.11, TSU belongs to the best of the industry, outperforming 92.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.42
Altman-Z 1.14
ROIC/WACC0.35
WACC7.79%
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

  • TSU has a Current 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.
  • With a decent Current ratio value of 0.05, TSU is doing good in the industry, outperforming 62.03% of the companies in the same industry.
  • A Quick Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
  • TSU's Quick ratio of 0.05 is fine compared to the rest of the industry. TSU outperforms 62.03% 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.
  • TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 80.91% yearly.
  • Looking at the last year, TSU shows a quite strong growth in Revenue. The Revenue has grown by 11.41% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 9.70% on average over the next years. This is quite good.
  • 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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 15.64, the valuation of TSU can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of TSU indicates a slightly more expensive valuation: TSU is more expensive than 79.75% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, TSU is valued a bit cheaper.
  • TSU is valuated correctly with a Price/Forward Earnings ratio of 13.94.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TSU indicates a slightly more expensive valuation: TSU is more expensive than 69.62% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of TSU to the average of the S&P500 Index (28.01), we can say TSU is valued rather cheaply.
Industry RankSector Rank
PE 15.64
Fwd PE 13.94
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

  • Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than the industry average as 64.56% of the companies are valued more expensively.
  • TSU's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 5.74
EV/EBITDA 11.73
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 an expensive valuation of the company.
PEG (NY)14.35
PEG (5Y)0.19
EPS Next 2Y7.58%
EPS Next 3Y9.7%

More info and screens

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%

More info and screens

Find the best dividend stocksShow peers with best dividend

TRISURA GROUP LTD

TSX:TSU (2/24/2026, 7:00:00 PM)

45.35

-1.2 (-2.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners40.27%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.16B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target55.05 (21.39%)
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)-2.81%
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 15.64
Fwd PE 13.94
P/S 0.72
P/FCF 5.74
P/OCF 5.68
P/B 2.39
P/tB 2.39
EV/EBITDA 11.73
EPS(TTM)2.9
EY6.39%
EPS(NY)3.25
Fwd EY7.17%
FCF(TTM)7.9
FCFY17.43%
OCF(TTM)7.98
OCFY17.6%
SpS62.76
BVpS18.97
TBVpS18.97
PEG (NY)14.35
PEG (5Y)0.19
Graham Number35.19
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 1.14
F-Score6
WACC7.79%
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.