TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
TSX:TSU - CA89679A2092 - Common Stock
39.38 CAD
-0.61 (-1.53%)
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. Both the profitability and the financial health of TSU get a neutral evaluation. Nothing too spectacular is happening here. TSU shows excellent growth, but is valued quite expensive already. With these ratings, TSU could be worth investigating further for growth investing!.
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.
Each year in the past 5 years TSU has been profitable.
In the past 5 years TSU always reported a positive cash flow from operatings.
1.2 Ratios
TSU has a Return On Assets of 2.62%. This is in the better half of the industry: TSU outperforms 75.00% of its industry peers.
TSU has a Return On Equity of 14.41%. This is amongst the best in the industry. TSU outperforms 87.50% of its industry peers.
With a decent Return On Invested Capital value of 2.89%, TSU is doing good in the industry, outperforming 75.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TSU is in line with the industry average of 2.34%.
The last Return On Invested Capital (2.89%) for TSU is above the 3 year average (1.93%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 14.41% | ||
| ROIC | 2.89% |
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.93%
ROIC(5y)1.78%
1.3 Margins
With a Profit Margin value of 3.96%, TSU is not doing good in the industry: 97.50% of the companies in the same industry are doing better.
TSU's Profit Margin has been stable in the last couple of years.
TSU has a Operating Margin of 5.74%. This is amonst the worse of the industry: TSU underperforms 97.50% of its industry peers.
In the last couple of years the Operating Margin of TSU has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.74% | ||
| PM (TTM) | 3.96% | ||
| GM | N/A |
OM growth 3Y-34.93%
OM growth 5YN/A
PM growth 3Y-40.12%
PM growth 5Y-0.6%
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.
The number of shares outstanding for TSU has been increased compared to 1 year ago.
The number of shares outstanding for TSU has been increased compared to 5 years ago.
The debt/assets ratio for TSU has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.16, we must say that TSU is in the distress zone and has some risk of bankruptcy.
TSU has a Altman-Z score of 1.16. This is amongst the best in the industry. TSU outperforms 97.50% of its industry peers.
The Debt to FCF ratio of TSU is 0.50, which is an excellent value as it means it would take TSU, only 0.50 years of fcf income to pay off all of its debts.
TSU has a Debt to FCF ratio of 0.50. This is amongst the best in the industry. TSU outperforms 81.25% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that TSU is not too dependend on debt financing.
The Debt to Equity ratio of TSU (0.12) is better than 91.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.5 | ||
| Altman-Z | 1.16 |
ROIC/WACC0.37
WACC7.83%
2.3 Liquidity
A Current Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.02, TSU is in line with its industry, outperforming 42.50% of the companies in the same industry.
TSU has a Quick 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.
TSU's Quick ratio of 0.02 is in line compared to the rest of the industry. TSU outperforms 42.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.55% over the past year.
The Earnings Per Share has been growing by 80.91% on average over the past years. This is a very strong growth
TSU shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.45%.
The Revenue has been growing by 89.61% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)12.55%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.06%
Revenue 1Y (TTM)22.45%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%19.9%
3.2 Future
TSU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.20% yearly.
Based on estimates for the next years, TSU will show a very strong growth in Revenue. The Revenue will grow by 79.08% on average per year.
EPS Next Y4.82%
EPS Next 2Y10.26%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.72, TSU is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of TSU indicates a rather expensive valuation: TSU more expensive than 93.75% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TSU to the average of the S&P500 Index (26.90), we can say TSU is valued slightly cheaper.
The Price/Forward Earnings ratio is 11.53, which indicates a very decent valuation of TSU.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TSU indicates a slightly more expensive valuation: TSU is more expensive than 68.75% of the companies listed in the same industry.
TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.72 | ||
| Fwd PE | 11.53 |
4.2 Price Multiples
TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 61.25% of the companies in the same industry.
TSU's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TSU is more expensive than 82.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.99 | ||
| EV/EBITDA | 10.16 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TSU does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.85
PEG (5Y)0.17
EPS Next 2Y10.26%
EPS Next 3Y10.2%
5. Dividend
5.1 Amount
TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (9/2/2025, 7:00:00 PM)
39.38
-0.61 (-1.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners37.26%
Inst Owner ChangeN/A
Ins Owners3.47%
Ins Owner ChangeN/A
Market Cap1.88B
Analysts80
Price Target55.72 (41.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
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)-5.43%
Min EPS beat(2)-5.43%
Max EPS beat(2)-5.43%
EPS beat(4)2
Avg EPS beat(4)2.67%
Min EPS beat(4)-5.43%
Max EPS beat(4)21.03%
EPS beat(8)5
Avg EPS beat(8)2.93%
EPS beat(12)9
Avg EPS beat(12)9.97%
EPS beat(16)12
Avg EPS beat(16)10.06%
Revenue beat(2)1
Avg Revenue beat(2)3.77%
Min Revenue beat(2)-0.75%
Max Revenue beat(2)8.29%
Revenue beat(4)3
Avg Revenue beat(4)5.61%
Min Revenue beat(4)-0.75%
Max Revenue beat(4)8.29%
Revenue beat(8)6
Avg Revenue beat(8)6.09%
Revenue beat(12)10
Avg Revenue beat(12)11.42%
Revenue beat(16)14
Avg Revenue beat(16)36.19%
PT rev (1m)3.8%
PT rev (3m)4.05%
EPS NQ rev (1m)-0.9%
EPS NQ rev (3m)-2.72%
EPS NY rev (1m)-4.31%
EPS NY rev (3m)-4.31%
Revenue NQ rev (1m)5.64%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.38%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.72 | ||
| Fwd PE | 11.53 | ||
| P/S | 0.61 | ||
| P/FCF | 5.99 | ||
| P/OCF | 5.94 | ||
| P/B | 2.23 | ||
| P/tB | 2.23 | ||
| EV/EBITDA | 10.16 |
EPS(TTM)2.87
EY7.29%
EPS(NY)3.42
Fwd EY8.68%
FCF(TTM)6.57
FCFY16.69%
OCF(TTM)6.63
OCFY16.84%
SpS64.23
BVpS17.63
TBVpS17.63
PEG (NY)2.85
PEG (5Y)0.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 14.41% | ||
| ROCE | 3.87% | ||
| ROIC | 2.89% | ||
| ROICexc | 3.05% | ||
| ROICexgc | 8.06% | ||
| OM | 5.74% | ||
| PM (TTM) | 3.96% | ||
| GM | N/A | ||
| FCFM | 10.23% |
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.93%
ROIC(5y)1.78%
ROICexc(3y)2.19%
ROICexc(5y)2.06%
ROICexgc(3y)6.75%
ROICexgc(5y)4.91%
ROCE(3y)2.59%
ROCE(5y)2.39%
ROICexcg growth 3Y36.06%
ROICexcg growth 5YN/A
ROICexc growth 3Y-4.79%
ROICexc growth 5YN/A
OM growth 3Y-34.93%
OM growth 5YN/A
PM growth 3Y-40.12%
PM growth 5Y-0.6%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.66
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.5 | ||
| Debt/EBITDA | 0.55 | ||
| Cap/Depr | 95.3% | ||
| Cap/Sales | 0.1% | ||
| Interest Coverage | 55.56 | ||
| Cash Conversion | 176.89% | ||
| Profit Quality | 258.66% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | 1.16 |
F-Score8
WACC7.83%
ROIC/WACC0.37
Cap/Depr(3y)123.08%
Cap/Depr(5y)101.35%
Cap/Sales(3y)0.09%
Cap/Sales(5y)0.4%
Profit Quality(3y)339.01%
Profit Quality(5y)351.04%
High Growth Momentum
Growth
EPS 1Y (TTM)12.55%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%6.06%
EPS Next Y4.82%
EPS Next 2Y10.26%
EPS Next 3Y10.2%
EPS Next 5YN/A
Revenue 1Y (TTM)22.45%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%19.9%
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
Revenue Next 5YN/A
EBIT growth 1Y39.88%
EBIT growth 3Y34.61%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y296.4%
FCF growth 3Y-27.44%
FCF growth 5Y15.97%
OCF growth 1Y289.62%
OCF growth 3Y-26.93%
OCF growth 5Y15.45%