TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
126.52 CAD
+0.17 (+0.13%)
Overall TOI gets a fundamental rating of 5 out of 10. We evaluated TOI against 65 industry peers in the Software industry. While TOI has a great profitability rating, there are quite some concerns on its financial health. TOI is growing strongly while it is still valued neutral. This is a good 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.
In the past 5 years TOI always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 0.25%, TOI is doing good in the industry, outperforming 67.69% of the companies in the same industry.
TOI's Return On Equity of 1.41% is fine compared to the rest of the industry. TOI outperforms 69.23% of its industry peers.
TOI has a better Return On Invested Capital (10.29%) than 84.62% of its industry peers.
TOI had an Average Return On Invested Capital over the past 3 years of 13.20%. This is in line with the industry average of 11.86%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 1.41% | ||
| ROIC | 10.29% |
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
The Profit Margin of TOI (0.40%) is better than 70.77% of its industry peers.
TOI's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 15.38%, TOI belongs to the best of the industry, outperforming 83.08% 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 (90.36%) than 95.38% of its industry peers.
TOI's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.38% | ||
| PM (TTM) | 0.4% | ||
| GM | 90.36% |
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so TOI is still 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.
TOI has a worse debt/assets ratio than last year.
2.2 Solvency
TOI has an Altman-Z score of 2.96. This is not the best score and indicates that TOI is in the grey zone with still only limited risk for bankruptcy at the moment.
TOI has a Altman-Z score (2.96) which is in line with its industry peers.
TOI has a debt to FCF ratio of 2.24. This is a good value and a sign of high solvency as TOI would need 2.24 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.24, TOI is in the better half of the industry, outperforming 73.85% of the companies in the same industry.
A Debt/Equity ratio of 1.88 is on the high side and indicates that TOI has dependencies on debt financing.
TOI has a worse Debt to Equity ratio (1.88) than 67.69% 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 | 1.88 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | 2.96 |
ROIC/WACC1.02
WACC10.08%
2.3 Liquidity
TOI has a Current Ratio of 0.87. 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 Current ratio of 0.87 is on the low side compared to the rest of the industry. TOI is outperformed by 63.08% of its industry peers.
TOI has a Quick Ratio of 0.87. 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 Quick ratio (0.87) than 64.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 167.65% over the past year.
The Earnings Per Share has been decreasing by -9.92% on average over the past years.
Looking at the last year, TOI shows a quite strong growth in Revenue. The Revenue has grown by 19.42% 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)167.65%
EPS 3YN/A
EPS 5Y-9.92%
EPS Q2Q%514.29%
Revenue 1Y (TTM)19.42%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%23.02%
3.2 Future
TOI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 42.22% yearly.
TOI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.27% yearly.
EPS Next Y87.44%
EPS Next 2Y62.34%
EPS Next 3Y42.22%
EPS Next 5YN/A
Revenue Next Year21.87%
Revenue Next 2Y20.21%
Revenue Next 3Y18.27%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
TOI is valuated quite expensively with a Price/Earnings ratio of 28.75.
Based on the Price/Earnings ratio, TOI is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
TOI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.59.
TOI is valuated quite expensively with a Price/Forward Earnings ratio of 26.82.
Based on the Price/Forward Earnings ratio, TOI is valued a bit cheaper than the industry average as 72.31% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 24.03. TOI is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.75 | ||
| Fwd PE | 26.82 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TOI indicates a somewhat cheap valuation: TOI is cheaper than 75.38% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, TOI is valued cheaply inside the industry as 81.54% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.47 | ||
| EV/EBITDA | 15.87 |
4.3 Compensation for Growth
TOI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap 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 42.22% in the coming years.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y62.34%
EPS Next 3Y42.22%
5. Dividend
5.1 Amount
No dividends for TOI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX-V:TOI (12/24/2025, 7:00:00 PM)
126.52
+0.17 (+0.13%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners21.92%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap10.54B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts84
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend2.5
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)106.66%
Min EPS beat(2)-34.57%
Max EPS beat(2)247.9%
EPS beat(4)1
Avg EPS beat(4)43.26%
Min EPS beat(4)-37.36%
Max EPS beat(4)247.9%
EPS beat(8)1
Avg EPS beat(8)7.7%
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)-4.14%
Min Revenue beat(2)-4.57%
Max Revenue beat(2)-3.71%
Revenue beat(4)1
Avg Revenue beat(4)-1.91%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)3.2%
Revenue beat(8)1
Avg Revenue beat(8)-2.98%
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)-8.86%
PT rev (3m)-8.86%
EPS NQ rev (1m)32.22%
EPS NQ rev (3m)32.22%
EPS NY rev (1m)14.45%
EPS NY rev (3m)14.45%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)-1.32%
Revenue NY rev (1m)-0.74%
Revenue NY rev (3m)-0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.75 | ||
| Fwd PE | 26.82 | ||
| P/S | 4.42 | ||
| P/FCF | 17.47 | ||
| P/OCF | 17 | ||
| P/B | 15.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.87 |
EPS(TTM)4.4
EY3.48%
EPS(NY)4.72
Fwd EY3.73%
FCF(TTM)7.24
FCFY5.73%
OCF(TTM)7.44
OCFY5.88%
SpS28.65
BVpS8.17
TBVpS-14.51
PEG (NY)0.33
PEG (5Y)N/A
Graham Number28.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 1.41% | ||
| ROCE | 16.34% | ||
| ROIC | 10.29% | ||
| ROICexc | 12.18% | ||
| ROICexgc | 54.87% | ||
| OM | 15.38% | ||
| PM (TTM) | 0.4% | ||
| GM | 90.36% | ||
| FCFM | 25.28% |
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 Turnover0.61
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.88 | ||
| Debt/FCF | 2.24 | ||
| Debt/EBITDA | 1.88 | ||
| Cap/Depr | 5.24% | ||
| Cap/Sales | 0.69% | ||
| Interest Coverage | 11.18 | ||
| Cash Conversion | 90.94% | ||
| Profit Quality | 6284.44% | ||
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 | ||
| Altman-Z | 2.96 |
F-Score4
WACC10.08%
ROIC/WACC1.02
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)167.65%
EPS 3YN/A
EPS 5Y-9.92%
EPS Q2Q%514.29%
EPS Next Y87.44%
EPS Next 2Y62.34%
EPS Next 3Y42.22%
EPS Next 5YN/A
Revenue 1Y (TTM)19.42%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%23.02%
Revenue Next Year21.87%
Revenue Next 2Y20.21%
Revenue Next 3Y18.27%
Revenue Next 5YN/A
EBIT growth 1Y21.21%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year98.27%
EBIT Next 3Y34.86%
EBIT Next 5YN/A
FCF growth 1Y66.75%
FCF growth 3Y25.66%
FCF growth 5Y23.36%
OCF growth 1Y65.6%
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 6 / 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 28.75 and the Price/Book (PB) ratio is 15.48.
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.