TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation

TSX:TSU • CA89679A2092

Current stock price

45.41 CAD
-1.25 (-2.68%)
Last:

This TSU.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. TSU.CA Profitability Analysis

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.
  • Each year in the past 5 years TSU had a positive operating cash flow.
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 2025 0 100M 200M 300M

1.2 Ratios

  • With a decent Return On Assets value of 2.84%, TSU is doing good in the industry, outperforming 77.50% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 15.38%, TSU belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
  • TSU's Return On Invested Capital of 3.26% is fine compared to the rest of the industry. TSU outperforms 77.50% 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 3.22%.
  • The last Return On Invested Capital (3.26%) for TSU is above the 3 year average (2.58%), which is a sign of increasing profitability.
Industry RankSector 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%
TSU.CA Yearly ROA, ROE, ROICTSU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • TSU has a worse Profit Margin (5.02%) than 78.75% of its industry peers.
  • In the last couple of years the Profit Margin of TSU has declined.
  • Looking at the Operating Margin, with a value of 7.39%, TSU is doing worse than 80.00% of the companies in the same industry.
  • TSU's Operating Margin has improved in the last couple of years.
Industry RankSector 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
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 2025 0 10 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. TSU.CA Health Analysis

2.1 Basic Checks

  • TSU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • TSU has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, TSU has more shares outstanding
  • The debt/assets ratio for TSU is higher compared to a year ago.
TSU.CA Yearly Shares OutstandingTSU.CA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B 5B

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 Altman-Z score of 1.10. This is amongst the best in the industry. TSU outperforms 96.25% 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.
  • The Debt to FCF ratio of TSU (0.42) is better than 97.50% of its industry peers.
  • A Debt/Equity ratio of 0.02 indicates that TSU is not too dependend on debt financing.
  • The Debt to Equity ratio of TSU (0.02) is better than 98.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.42
Altman-Z 1.1
ROIC/WACC0.42
WACC7.74%
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 2025 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
  • TSU has a Current ratio of 0.02. This is in the better half of the industry: TSU outperforms 61.25% of its industry peers.
  • A Quick Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
  • TSU has a Quick ratio of 0.02. This is in the better half of the industry: TSU outperforms 61.25% of its industry peers.
Industry RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
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 2025 50M 100M 150M

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

5

3. TSU.CA Growth Analysis

3.1 Past

  • TSU shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.78%.
  • Measured over the past years, TSU shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.31% on average per year.
  • The Revenue has decreased by -3.91% in the past year.
  • 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

  • The Earnings Per Share is expected to grow by 14.62% on average over the next years. This is quite good.
  • 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.
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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4

4. TSU.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • TSU is valuated correctly with a Price/Earnings ratio of 15.88.
  • TSU's Price/Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 76.25% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. TSU is valued slightly cheaper when compared to this.
  • The Price/Forward Earnings ratio is 13.77, which indicates a correct valuation of TSU.
  • TSU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 68.75% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of TSU to the average of the S&P500 Index (22.24), we can say TSU is valued slightly cheaper.
Industry RankSector Rank
PE 15.88
Fwd PE 13.77
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TSU indicates a somewhat cheap valuation: TSU is cheaper than 63.75% of the companies listed in the same industry.
  • TSU's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 5.71
EV/EBITDA 9.78
TSU.CA Per share dataTSU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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 14.62% in the coming years.
PEG (NY)1.03
PEG (5Y)0.56
EPS Next 2Y14.62%
EPS Next 3YN/A

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

0

5. TSU.CA Dividend Analysis

5.1 Amount

  • TSU does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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TSU.CA Fundamentals: All Metrics, Ratios and Statistics

TRISURA GROUP LTD

TSX:TSU (4/24/2026, 7:00:00 PM)

45.41

-1.25 (-2.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-30
Inst Owners47.39%
Inst Owner ChangeN/A
Ins Owners2.27%
Ins Owner ChangeN/A
Market Cap2.16B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.4 (28.61%)
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)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 RankSector Rank
PE 15.88
Fwd PE 13.77
P/S 0.76
P/FCF 5.71
P/OCF 5.63
P/B 2.33
P/tB 2.33
EV/EBITDA 9.78
EPS(TTM)2.86
EY6.3%
EPS(NY)3.3
Fwd EY7.26%
FCF(TTM)7.96
FCFY17.52%
OCF(TTM)8.07
OCFY17.76%
SpS59.66
BVpS19.48
TBVpS19.48
PEG (NY)1.03
PEG (5Y)0.56
Graham Number35.4081 (-22.03%)
Profitability
Industry RankSector 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 RankSector 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 1.1
F-Score7
WACC7.74%
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 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 15.88 and the Price/Book (PB) ratio is 2.33.


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.