TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:TSU - CA89679A2092 - Common Stock
45.96 CAD
+0.32 (+0.7%)
Overall TSU gets a fundamental rating of 4 out of 10. We evaluated TSU against 81 industry peers in the Insurance industry. TSU has only an average score on both its financial health and profitability. While showing a medium growth rate, TSU is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- In the past year TSU was profitable.
- In the past year TSU had a positive cash flow from operations.
- Each year in the past 5 years TSU has been profitable.
- In the past 5 years TSU always reported a positive cash flow from operatings.
1.2 Ratios
- With a decent Return On Assets value of 2.54%, TSU is doing good in the industry, outperforming 77.78% of the companies in the same industry.
- TSU has a better Return On Equity (13.72%) than 79.01% 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 77.78% 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 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 Rank | Sector 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%
1.3 Margins
- With a Profit Margin value of 4.15%, TSU is not doing good in the industry: 79.01% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of TSU has remained more or less at the same level.
- TSU has a Operating Margin of 5.79%. This is in the lower half of the industry: TSU underperforms 79.01% of its industry peers.
- TSU's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TSU is destroying value.
- TSU has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for TSU has been increased compared to 5 years ago.
- TSU has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.14, we must say that TSU is in the distress zone and has some risk of bankruptcy.
- TSU's Altman-Z score of 1.14 is amongst the best of the industry. TSU outperforms 96.30% 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 97.53% of its industry peers.
- A Debt/Equity ratio of 0.11 indicates that TSU is not too dependend on debt financing.
- TSU has a better Debt to Equity ratio (0.11) than 92.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.14 |
ROIC/WACC0.36
WACC7.57%
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.
- TSU has a Current ratio of 0.05. This is in the better half of the industry: TSU outperforms 61.73% of its industry peers.
- A Quick Ratio of 0.05 indicates that TSU may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.05, TSU is in the better half of the industry, outperforming 61.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
- TSU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.28%, which is quite good.
- The Earnings Per Share has been growing by 80.91% on average over the past years. This is a very strong growth
- Looking at the last year, TSU shows a quite strong growth in Revenue. The Revenue has grown by 11.41% in the last year.
- The Revenue has been growing by 89.61% on average over the past years. This is a very strong growth!
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.
- TSU is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.87% yearly.
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.
- 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. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 15.85 indicates a correct valuation of TSU.
- TSU's Price/Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 76.54% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.54. TSU is valued slightly cheaper when compared to this.
- TSU is valuated correctly with a Price/Forward Earnings ratio of 14.13.
- TSU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 67.90% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.31, TSU is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.85 | ||
| Fwd PE | 14.13 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than 65.43% 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 | 5.84 | ||
| EV/EBITDA | 11.96 |
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)14.54
PEG (5Y)0.2
EPS Next 2Y7.58%
EPS Next 3Y9.7%
5. Dividend
5.1 Amount
- TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX:TSU (1/15/2026, 7:00:00 PM)
45.96
+0.32 (+0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-05 2026-02-05
Inst Owners40.27%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.20B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target54.54 (18.67%)
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)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%
PT rev (3m)-2.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.93%
EPS NY rev (1m)-0.84%
EPS NY rev (3m)-3.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-43.87%
Revenue NY rev (1m)-0.92%
Revenue NY rev (3m)-0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.85 | ||
| Fwd PE | 14.13 | ||
| P/S | 0.74 | ||
| P/FCF | 5.84 | ||
| P/OCF | 5.78 | ||
| P/B | 2.43 | ||
| P/tB | 2.43 | ||
| EV/EBITDA | 11.96 |
EPS(TTM)2.9
EY6.31%
EPS(NY)3.25
Fwd EY7.08%
FCF(TTM)7.87
FCFY17.13%
OCF(TTM)7.95
OCFY17.3%
SpS62.51
BVpS18.9
TBVpS18.9
PEG (NY)14.54
PEG (5Y)0.2
Graham Number35.12
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.57%
ROIC/WACC0.36
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.