TOPICUS.COM INC-SUB VOTING (TOI.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:TOI - CA89072T1021 - Common Stock
131.57 CAD
+3.72 (+2.91%)
TOI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 63 industry peers in the Software industry. While TOI has a great profitability rating, there are quite some concerns on its financial health. TOI is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year TOI was profitable.
TOI had a positive operating cash flow in the past year.
Of the past 5 years TOI 4 years were profitable.
Each year in the past 5 years TOI had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 0.25%, TOI is doing good in the industry, outperforming 63.49% of the companies in the same industry.
TOI has a Return On Equity of 1.41%. This is in the better half of the industry: TOI outperforms 66.67% of its industry peers.
With an excellent Return On Invested Capital value of 10.29%, TOI belongs to the best of the industry, outperforming 84.13% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TOI is in line with the industry average of 11.54%.
| 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
Looking at the Profit Margin, with a value of 0.40%, TOI is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
TOI's Profit Margin has declined in the last couple of years.
TOI has a Operating Margin of 15.38%. This is amongst the best in the industry. TOI outperforms 80.95% of its industry peers.
TOI's Operating Margin has been stable in the last couple of years.
TOI's Gross Margin of 90.36% is amongst the best of the industry. TOI outperforms 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 | 15.38% | ||
| 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.
Compared to 1 year ago, TOI has more shares outstanding
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 3.03. This indicates that TOI is financially healthy and has little risk of bankruptcy at the moment.
TOI has a Altman-Z score of 3.03. This is comparable to the rest of the industry: TOI outperforms 55.56% of 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.
TOI's Debt to FCF ratio of 2.24 is fine compared to the rest of the industry. TOI outperforms 71.43% of its industry peers.
TOI has a Debt/Equity ratio of 1.88. This is a high value indicating a heavy dependency on external financing.
TOI has a worse Debt to Equity ratio (1.88) than 73.02% of its industry peers.
Although TOI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.88 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | 3.03 |
ROIC/WACC1.04
WACC9.93%
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 has a Current ratio of 0.87. This is in the lower half of the industry: TOI underperforms 66.67% 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.
With a Quick ratio value of 0.87, TOI is not doing good in the industry: 68.25% of the companies in the same industry are doing better.
| 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.
TOI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.92% yearly.
The Revenue has grown by 19.42% in the past year. This is quite good.
Measured over the past years, TOI shows a very strong growth in Revenue. The Revenue has been growing by 25.41% on average per year.
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
The Earnings Per Share is expected to grow by 34.37% on average over the next years. This is a very strong growth
TOI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.20% yearly.
EPS Next Y63.78%
EPS Next 2Y50.01%
EPS Next 3Y34.37%
EPS Next 5YN/A
Revenue Next Year22.78%
Revenue Next 2Y20.08%
Revenue Next 3Y18.2%
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.
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 29.70, TOI can be considered very expensive at the moment.
Based on the Price/Earnings ratio, TOI is valued a bit cheaper than 79.37% of the companies in the same industry.
When comparing the Price/Earnings ratio of TOI to the average of the S&P500 Index (26.31), we can say TOI is valued inline with the index average.
With a Price/Forward Earnings ratio of 32.50, TOI can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, TOI is valued a bit cheaper than the industry average as 65.08% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 36.56. TOI is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.7 | ||
| Fwd PE | 32.5 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TOI is valued a bit cheaper than the industry average as 69.84% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TOI indicates a rather cheap valuation: TOI is cheaper than 80.95% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.07 | ||
| EV/EBITDA | 16.4 |
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.
TOI's earnings are expected to grow with 34.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y50.01%
EPS Next 3Y34.37%
5. Dividend
5.1 Amount
TOI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX-V:TOI (11/28/2025, 7:00:00 PM)
131.57
+3.72 (+2.91%)
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 Cap10.97B
Revenue(TTM)1.48B
Net Income(TTM)5.96M
Analysts84
Price Target199.41 (51.56%)
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)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)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-1.32%
Revenue NQ rev (3m)-1.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.7 | ||
| Fwd PE | 32.5 | ||
| P/S | 4.57 | ||
| P/FCF | 18.07 | ||
| P/OCF | 17.59 | ||
| P/B | 16.02 | ||
| P/tB | N/A | ||
| EV/EBITDA | 16.4 |
EPS(TTM)4.43
EY3.37%
EPS(NY)4.05
Fwd EY3.08%
FCF(TTM)7.28
FCFY5.53%
OCF(TTM)7.48
OCFY5.68%
SpS28.79
BVpS8.21
TBVpS-14.59
PEG (NY)0.47
PEG (5Y)N/A
Graham Number28.61
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 | 3.03 |
F-Score4
WACC9.93%
ROIC/WACC1.04
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 Y63.78%
EPS Next 2Y50.01%
EPS Next 3Y34.37%
EPS Next 5YN/A
Revenue 1Y (TTM)19.42%
Revenue growth 3Y20.37%
Revenue growth 5Y25.41%
Sales Q2Q%23.02%
Revenue Next Year22.78%
Revenue Next 2Y20.08%
Revenue Next 3Y18.2%
Revenue Next 5YN/A
EBIT growth 1Y21.21%
EBIT growth 3Y21.89%
EBIT growth 5Y26.7%
EBIT Next Year128.14%
EBIT Next 3Y44.63%
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 29.7 and the Price/Book (PB) ratio is 16.02.
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.