TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation
TSX:TSU • CA89679A2092
Current stock price
42.49 CAD
+0.37 (+0.88%)
Last:
This TSU.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. TSU.CA Profitability Analysis
1.1 Basic Checks
- In the past year TSU was profitable.
- In the past year TSU had a positive cash flow from operations.
- In the past 5 years TSU has always been profitable.
- In the past 5 years TSU always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of TSU (2.84%) is better than 77.22% of its industry peers.
- TSU's Return On Equity of 15.38% is amongst the best of the industry. TSU outperforms 83.54% of its industry peers.
- The Return On Invested Capital of TSU (3.26%) is better than 77.22% of its industry peers.
- 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 (2.58%) for TSU is below the current ROIC(3.26%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROIC | 3.26% |
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.58%
ROIC(5y)2.32%
1.3 Margins
- TSU's Profit Margin of 5.02% is on the low side compared to the rest of the industry. TSU is outperformed by 79.75% of its industry peers.
- TSU's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 7.39%, TSU is doing worse than 79.75% of the companies in the same industry.
- In the last couple of years the Operating Margin of TSU has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.39% | ||
| PM (TTM) | 5.02% | ||
| GM | N/A |
OM growth 3Y42.08%
OM growth 5Y4.96%
PM growth 3Y48.68%
PM growth 5Y-21.09%
GM growth 3YN/A
GM growth 5YN/A
2. TSU.CA Health Analysis
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 reduced compared to 1 year ago.
- Compared to 5 years ago, TSU has more shares outstanding
- Compared to 1 year ago, TSU has a worse debt to assets ratio.
2.2 Solvency
- TSU has an Altman-Z score of 1.07. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of TSU (1.07) is better than 96.20% 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.
- TSU has a Debt to FCF ratio of 0.42. This is amongst the best in the industry. TSU outperforms 97.47% of its industry peers.
- TSU has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.02, TSU belongs to the top of the industry, outperforming 98.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.07 |
ROIC/WACC0.43
WACC7.57%
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 64.56% of the companies in the same industry.
- TSU has a Quick Ratio of 0.02. This is a bad value and indicates that TSU is not financially healthy enough and could expect problems in meeting its short term obligations.
- TSU's Quick ratio of 0.02 is fine compared to the rest of the industry. TSU outperforms 64.56% 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.
- The Earnings Per Share has been growing by 28.31% on average over the past years. This is a very strong growth
- TSU shows a decrease in Revenue. In the last year, the revenue decreased by -3.91%.
- Measured over the past years, TSU shows a very strong growth in Revenue. The Revenue has been growing by 70.36% on average per year.
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y15.91%
Revenue growth 5Y70.36%
Sales Q2Q%6.07%
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 14.62% yearly.
- 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
- With a Price/Earnings ratio of 14.86, TSU is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of TSU indicates a slightly more expensive valuation: TSU is more expensive than 75.95% of the companies listed in the same industry.
- TSU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.21.
- The Price/Forward Earnings ratio is 12.88, which indicates a correct valuation of TSU.
- 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 68.35% 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 (23.10), we can say TSU is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.86 | ||
| Fwd PE | 12.88 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than 65.82% of the companies in the same industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.35 | ||
| EV/EBITDA | 8.8 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- TSU's earnings are expected to grow with 14.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.97
PEG (5Y)0.52
EPS Next 2Y14.62%
EPS Next 3YN/A
5. TSU.CA Dividend Analysis
5.1 Amount
- No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSU.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:TSU (4/7/2026, 7:00:00 PM)
42.49
+0.37 (+0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12 2026-02-12/amc
Earnings (Next)04-30 2026-04-30
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap2.02B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.4 (37.44%)
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)0.44%
PT rev (3m)7.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.43%
EPS NY rev (1m)0%
EPS NY rev (3m)1.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-42.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.86 | ||
| Fwd PE | 12.88 | ||
| P/S | 0.71 | ||
| P/FCF | 5.35 | ||
| P/OCF | 5.27 | ||
| P/B | 2.18 | ||
| P/tB | 2.18 | ||
| EV/EBITDA | 8.8 |
EPS(TTM)2.86
EY6.73%
EPS(NY)3.3
Fwd EY7.76%
FCF(TTM)7.95
FCFY18.71%
OCF(TTM)8.06
OCFY18.96%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)0.97
PEG (5Y)0.52
Graham Number35.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROCE | 4.34% | ||
| ROIC | 3.26% | ||
| ROICexc | 3.46% | ||
| ROICexgc | 8.98% | ||
| OM | 7.39% | ||
| 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)2.58%
ROIC(5y)2.32%
ROICexc(3y)2.83%
ROICexc(5y)2.64%
ROICexgc(3y)8.27%
ROICexgc(5y)6.49%
ROCE(3y)3.43%
ROCE(5y)3.09%
ROICexgc growth 3Y26.63%
ROICexgc growth 5Y54.47%
ROICexc growth 3Y32.4%
ROICexc growth 5Y43.8%
OM growth 3Y42.08%
OM growth 5Y4.96%
PM growth 3Y48.68%
PM growth 5Y-21.09%
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 | 55.33 | ||
| Cash Conversion | 179.64% | ||
| Profit Quality | 265.5% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | 1.07 |
F-Score7
WACC7.57%
ROIC/WACC0.43
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 3Y15.91%
Revenue growth 5Y70.36%
Sales Q2Q%6.07%
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.99%
EBIT growth 3Y64.69%
EBIT growth 5Y78.81%
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 Fundamental Analysis 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.
How profitable is TRISURA GROUP LTD (TSU.CA) 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 14.86 and the Price/Book (PB) ratio is 2.18.
What is the expected EPS growth for TRISURA GROUP LTD (TSU.CA) stock?
The Earnings per Share (EPS) of TRISURA GROUP LTD (TSU.CA) is expected to grow by 15.35% in the next year.