TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
TSX:TSU • CA89679A2092
46.66 CAD
+0.82 (+1.79%)
Last: Feb 27, 2026, 07:00 PM
Taking everything into account, TSU scores 5 out of 10 in our fundamental rating. TSU was compared to 80 industry peers in the Insurance industry. TSU has only an average score on both its financial health and profitability. TSU has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- TSU had positive earnings in the past year.
- 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
- TSU has a better Return On Assets (2.84%) 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.
- TSU's Return On Invested Capital of 3.25% is fine compared to the rest of the industry. TSU outperforms 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 (2.60%) 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
- Looking at the Profit Margin, with a value of 5.02%, TSU is doing worse than 81.01% of the companies in the same industry.
- In the last couple of years the Profit Margin of TSU has declined.
- Looking at the Operating Margin, with a value of 7.38%, TSU is doing worse than 81.01% of the companies in the same industry.
- TSU's Operating Margin has improved in the last couple of years.
| 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. 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 less shares outstanding
- The number of shares outstanding for TSU has been increased compared to 5 years ago.
- Compared to 1 year ago, TSU has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 1.10, we must say that TSU is in the distress zone and has some risk of bankruptcy.
- TSU has a better Altman-Z score (1.10) than 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.
- Looking at the Debt to FCF ratio, with a value of 0.42, TSU belongs to the top of the industry, outperforming 97.47% of the companies in the same industry.
- TSU has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
- TSU has a better Debt to Equity ratio (0.02) than 98.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.1 |
ROIC/WACC0.42
WACC7.79%
2.3 Liquidity
- TSU has a Current 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.
- With a decent Current ratio value of 0.02, TSU is doing good in the industry, outperforming 64.56% 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.
- Looking at the Quick 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. Growth
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.
- TSU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 70.48% yearly.
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
- Based on estimates for the next years, TSU will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.89% on average per year.
- The Revenue is expected to decrease by -7.07% on average over the next years.
EPS Next Y13.71%
EPS Next 2Y13.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.29%
Revenue Next 2Y-7.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 16.31, TSU is valued correctly.
- Based on the Price/Earnings ratio, TSU is valued a bit more expensive than the industry average as 78.48% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.07, TSU is valued a bit cheaper.
- The Price/Forward Earnings ratio is 14.35, which indicates a correct valuation of TSU.
- Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than 68.35% of the companies in the same industry.
- TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.05.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.31 | ||
| Fwd PE | 14.35 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TSU indicates a somewhat cheap valuation: TSU is cheaper than 67.09% of the companies listed in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as TSU.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.88 | ||
| EV/EBITDA | 9.83 |
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 13.89% in the coming years.
PEG (NY)1.19
PEG (5Y)0.58
EPS Next 2Y13.89%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX:TSU (2/27/2026, 7:00:00 PM)
46.66
+0.82 (+1.79%)
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 Owners40.27%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.22B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.14 (24.6%)
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)6.6%
PT rev (3m)6.6%
EPS NQ rev (1m)0.6%
EPS NQ rev (3m)1.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.53%
Revenue NQ rev (1m)12.73%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)-0.67%
Revenue NY rev (3m)0.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.31 | ||
| Fwd PE | 14.35 | ||
| P/S | 0.78 | ||
| P/FCF | 5.88 | ||
| P/OCF | 5.8 | ||
| P/B | 2.4 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 9.83 |
EPS(TTM)2.86
EY6.13%
EPS(NY)3.25
Fwd EY6.97%
FCF(TTM)7.93
FCFY17%
OCF(TTM)8.04
OCFY17.23%
SpS59.46
BVpS19.42
TBVpS19.42
PEG (NY)1.19
PEG (5Y)0.58
Graham Number35.35
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 | 1.1 |
F-Score7
WACC7.79%
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 Y13.71%
EPS Next 2Y13.89%
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 Year10.29%
Revenue Next 2Y-7.07%
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 13.71% in the next year.