TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX-V:TOI - CA89072T1021 - Common Stock
138 CAD
+5.91 (+4.47%)
Taking everything into account, TOI scores 5 out of 10 in our fundamental rating. TOI was compared to 63 industry peers in the Software industry. TOI scores excellent on profitability, but there are concerns on its financial health. TOI is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year TOI was profitable.
TOI had a positive operating cash flow in the past year.
TOI had positive earnings in 4 of the past 5 years.
Each year in the past 5 years TOI had a positive operating cash flow.
1.2 Ratios
TOI has a Return On Assets of 4.62%. This is amongst the best in the industry. TOI outperforms 80.95% of its industry peers.
Looking at the Return On Equity, with a value of 21.34%, TOI belongs to the top of the industry, outperforming 90.48% of the companies in the same industry.
TOI has a better Return On Invested Capital (10.77%) than 85.71% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TOI is in line with the industry average of 12.35%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.62% | ||
| ROE | 21.34% | ||
| ROIC | 10.77% |
ROA(3y)5.03%
ROA(5y)-31.64%
ROE(3y)23.53%
ROE(5y)N/A
ROIC(3y)13.2%
ROIC(5y)13.96%
1.3 Margins
TOI has a Profit Margin of 7.65%. This is amongst the best in the industry. TOI outperforms 80.95% of its industry peers.
In the last couple of years the Profit Margin of TOI has declined.
Looking at the Operating Margin, with a value of 15.79%, TOI belongs to the top of the industry, outperforming 84.13% of the companies in the same industry.
TOI's Operating Margin has been stable in the last couple of years.
TOI has a better Gross Margin (90.68%) than 95.24% of its industry peers.
In the last couple of years the Gross Margin of TOI has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.79% | ||
| PM (TTM) | 7.65% | ||
| GM | 90.68% |
OM growth 3Y1.27%
OM growth 5Y1.03%
PM growth 3YN/A
PM growth 5Y-8.59%
GM growth 3Y0.4%
GM growth 5Y0.29%
2. Health
2.1 Basic Checks
TOI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for TOI has been increased compared to 1 year ago.
The number of shares outstanding for TOI has been increased compared to 5 years ago.
The debt/assets ratio for TOI is higher compared to a year ago.
2.2 Solvency
TOI has an Altman-Z score of 3.33. This indicates that TOI is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of TOI (3.33) is comparable to the rest of the industry.
TOI has a debt to FCF ratio of 1.62. This is a very positive value and a sign of high solvency as it would only need 1.62 years to pay back of all of its debts.
TOI's Debt to FCF ratio of 1.62 is fine compared to the rest of the industry. TOI outperforms 77.78% of its industry peers.
A Debt/Equity ratio of 1.07 is on the high side and indicates that TOI has dependencies on debt financing.
TOI has a Debt to Equity ratio of 1.07. This is in the lower half of the industry: TOI underperforms 63.49% of its industry peers.
Even though the debt/equity ratio score it not favorable for TOI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.07 | ||
| Debt/FCF | 1.62 | ||
| Altman-Z | 3.33 |
ROIC/WACC1.06
WACC10.2%
2.3 Liquidity
TOI has a Current Ratio of 0.69. This is a bad value and indicates that TOI is not financially healthy enough and could expect problems in meeting its short term obligations.
TOI has a worse Current ratio (0.69) than 69.84% of its industry peers.
TOI has a Quick Ratio of 0.69. This is a bad value and indicates that TOI is not financially healthy enough and could expect problems in meeting its short term obligations.
TOI's Quick ratio of 0.68 is on the low side compared to the rest of the industry. TOI is outperformed by 69.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.68 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 46.38% over the past year.
TOI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.90% yearly.
Looking at the last year, TOI shows a quite strong growth in Revenue. The Revenue has grown by 16.46% in the last year.
TOI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 25.41% yearly.
EPS 1Y (TTM)46.38%
EPS 3YN/A
EPS 5Y-9.9%
EPS Q2Q%47.62%
Revenue 1Y (TTM)16.46%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%19.55%
3.2 Future
TOI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.59% yearly.
TOI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.71% yearly.
EPS Next Y63.78%
EPS Next 2Y36.91%
EPS Next 3Y20.59%
EPS Next 5YN/A
Revenue Next Year22.78%
Revenue Next 2Y20.9%
Revenue Next 3Y17.71%
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 accelerating.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 66.03, TOI can be considered very expensive at the moment.
71.43% of the companies in the same industry are more expensive than TOI, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TOI to the average of the S&P500 Index (26.11), we can say TOI is valued expensively.
With a Price/Forward Earnings ratio of 40.92, TOI can be considered very expensive at the moment.
TOI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TOI is cheaper than 68.25% of the companies in the same industry.
TOI's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.03 | ||
| Fwd PE | 40.92 |
4.2 Price Multiples
71.43% of the companies in the same industry are more expensive than TOI, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, TOI is valued a bit cheaper than the industry average as 79.37% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.86 | ||
| EV/EBITDA | 17.99 |
4.3 Compensation for Growth
TOI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
TOI has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as TOI's earnings are expected to grow with 20.59% in the coming years.
PEG (NY)1.04
PEG (5Y)N/A
EPS Next 2Y36.91%
EPS Next 3Y20.59%
5. Dividend
5.1 Amount
No dividends for TOI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX-V:TOI (10/31/2025, 7:00:00 PM)
138
+5.91 (+4.47%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners20.83%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap11.50B
Revenue(TTM)1.40B
Net Income(TTM)107.49M
Analysts84
Price Target218.79 (58.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend2.51
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)-35.97%
Min EPS beat(2)-37.36%
Max EPS beat(2)-34.57%
EPS beat(4)0
Avg EPS beat(4)-24.83%
Min EPS beat(4)-37.36%
Max EPS beat(4)-2.91%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.56%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-2.54%
Revenue beat(4)1
Avg Revenue beat(4)-1.55%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)3.2%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)9.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-38.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-19.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 66.03 | ||
| Fwd PE | 40.92 | ||
| P/S | 5.05 | ||
| P/FCF | 19.86 | ||
| P/OCF | 19.29 | ||
| P/B | 14.09 | ||
| P/tB | N/A | ||
| EV/EBITDA | 17.99 |
EPS(TTM)2.09
EY1.51%
EPS(NY)3.37
Fwd EY2.44%
FCF(TTM)6.95
FCFY5.03%
OCF(TTM)7.15
OCFY5.18%
SpS27.32
BVpS9.79
TBVpS-13.45
PEG (NY)1.04
PEG (5Y)N/A
Graham Number21.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.62% | ||
| ROE | 21.34% | ||
| ROCE | 14.53% | ||
| ROIC | 10.77% | ||
| ROICexc | 12.68% | ||
| ROICexgc | 83.17% | ||
| OM | 15.79% | ||
| PM (TTM) | 7.65% | ||
| GM | 90.68% | ||
| FCFM | 25.43% |
ROA(3y)5.03%
ROA(5y)-31.64%
ROE(3y)23.53%
ROE(5y)N/A
ROIC(3y)13.2%
ROIC(5y)13.96%
ROICexc(3y)16.09%
ROICexc(5y)16.51%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)19.8%
ROCE(5y)19.81%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y8.6%
ROICexc growth 5Y6.98%
OM growth 3Y1.27%
OM growth 5Y1.03%
PM growth 3YN/A
PM growth 5Y-8.59%
GM growth 3Y0.4%
GM growth 5Y0.29%
F-Score4
Asset Turnover0.6
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.07 | ||
| Debt/FCF | 1.62 | ||
| Debt/EBITDA | 1.34 | ||
| Cap/Depr | 5.74% | ||
| Cap/Sales | 0.75% | ||
| Interest Coverage | 9.75 | ||
| Cash Conversion | 90.74% | ||
| Profit Quality | 332.39% | ||
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.68 | ||
| Altman-Z | 3.33 |
F-Score4
WACC10.2%
ROIC/WACC1.06
Cap/Depr(3y)5.14%
Cap/Depr(5y)4.76%
Cap/Sales(3y)0.71%
Cap/Sales(5y)0.67%
Profit Quality(3y)357.14%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)46.38%
EPS 3YN/A
EPS 5Y-9.9%
EPS Q2Q%47.62%
EPS Next Y63.78%
EPS Next 2Y36.91%
EPS Next 3Y20.59%
EPS Next 5YN/A
Revenue 1Y (TTM)16.46%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%19.55%
Revenue Next Year22.78%
Revenue Next 2Y20.9%
Revenue Next 3Y17.71%
Revenue Next 5YN/A
EBIT growth 1Y25.76%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year128.14%
EBIT Next 3Y45.54%
EBIT Next 5YN/A
FCF growth 1Y70.09%
FCF growth 3Y25.66%
FCF growth 5Y23.36%
OCF growth 1Y69.02%
OCF growth 3Y25.37%
OCF growth 5Y23.43%
TOPICUS.COM INC-SUB VOTING / TOI.CA FAQ
Can you provide the ChartMill fundamental rating for TOPICUS.COM INC-SUB VOTING?
ChartMill assigns a fundamental rating of 5 / 10 to TOI.CA.
What is the valuation status for TOI stock?
ChartMill assigns a valuation rating of 4 / 10 to TOPICUS.COM INC-SUB VOTING (TOI.CA). This can be considered as Fairly Valued.
How profitable is TOPICUS.COM INC-SUB VOTING (TOI.CA) stock?
TOPICUS.COM INC-SUB VOTING (TOI.CA) has a profitability rating of 7 / 10.
What are the PE and PB ratios of TOPICUS.COM INC-SUB VOTING (TOI.CA) stock?
The Price/Earnings (PE) ratio for TOPICUS.COM INC-SUB VOTING (TOI.CA) is 66.03 and the Price/Book (PB) ratio is 14.09.
What is the financial health of TOPICUS.COM INC-SUB VOTING (TOI.CA) stock?
The financial health rating of TOPICUS.COM INC-SUB VOTING (TOI.CA) is 3 / 10.