TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
TSX:TSU - Toronto Stock Exchange - CA89679A2092 - Common Stock - Currency: CAD
TSU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 81 industry peers in the Insurance industry. While TSU is still in line with the averages on profitability rating, there are concerns on its financial health. TSU is valued quite expensive, but it does show an excellent growth.
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.
In the past 5 years TSU has always been profitable.
Each year in the past 5 years TSU had a positive operating cash flow.
1.2 Ratios
The Return On Assets of TSU (2.43%) is better than 75.31% of its industry peers.
The Return On Equity of TSU (13.60%) is better than 87.65% of its industry peers.
The Return On Invested Capital of TSU (2.56%) is better than 72.84% 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 2.73%.
The last Return On Invested Capital (2.56%) for TSU is above the 3 year average (1.93%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 13.6% | ||
| ROIC | 2.56% |
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
TSU's Profit Margin of 3.79% is on the low side compared to the rest of the industry. TSU is outperformed by 93.83% of its industry peers.
TSU's Profit Margin has been stable in the last couple of years.
TSU's Operating Margin of 5.31% is on the low side compared to the rest of the industry. TSU is outperformed by 96.30% of its industry peers.
In the last couple of years the Operating Margin of TSU has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.31% | ||
| PM (TTM) | 3.79% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TSU is destroying value.
Compared to 1 year ago, TSU has more shares outstanding
TSU has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, TSU has an improved debt to assets ratio.
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.
With an excellent Altman-Z score value of 1.16, TSU belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
The Debt to FCF ratio of TSU is 92.42, which is on the high side as it means it would take TSU, 92.42 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 92.42, TSU is not doing good in the industry: 97.53% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.10 indicates that TSU is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.10, TSU belongs to the best of the industry, outperforming 91.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 92.42 | ||
| Altman-Z | 1.16 |
ROIC/WACC0.32
WACC8.03%
2.3 Liquidity
TSU has a Current Ratio of 0.04. 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 Current ratio of 0.04 is in line compared to the rest of the industry. TSU outperforms 40.74% of its industry peers.
TSU has a Quick Ratio of 0.04. This is a bad value and indicates that TSU is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.04, TSU is in line with its industry, outperforming 40.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
TSU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.51%, which is quite good.
TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 80.91% yearly.
Looking at the last year, TSU shows a quite strong growth in Revenue. The Revenue has grown by 17.99% in the last year.
The Revenue has been growing by 89.61% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)15.51%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%2.94%
Revenue 1Y (TTM)17.99%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%-4.95%
3.2 Future
Based on estimates for the next years, TSU will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.56% on average per year.
Based on estimates for the next years, TSU will show a quite strong growth in Revenue. The Revenue will grow by 10.13% on average per year.
EPS Next Y9.54%
EPS Next 2Y11.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.4%
Revenue Next 2Y10.13%
Revenue Next 3YN/A
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.
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
Based on the Price/Earnings ratio of 15.35, the valuation of TSU can be described as correct.
Based on the Price/Earnings ratio, TSU is valued more expensive than 92.59% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.86, TSU is valued a bit cheaper.
TSU is valuated correctly with a Price/Forward Earnings ratio of 12.42.
TSU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 66.67% of the companies in the same industry.
TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.35 | ||
| Fwd PE | 12.42 |
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 61.73% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TSU indicates a rather expensive valuation: TSU more expensive than 97.53% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1784.25 | ||
| EV/EBITDA | 12.35 |
4.3 Compensation for Growth
TSU's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.61
PEG (5Y)0.19
EPS Next 2Y11.56%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (6/26/2025, 7:00:00 PM)
43.43
+0.11 (+0.25%)
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 Cap2.08B
Analysts80
Price Target53.91 (24.13%)
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)1
Avg EPS beat(2)7.8%
Min EPS beat(2)-5.43%
Max EPS beat(2)21.03%
EPS beat(4)2
Avg EPS beat(4)3.56%
Min EPS beat(4)-5.43%
Max EPS beat(4)21.03%
EPS beat(8)6
Avg EPS beat(8)4.31%
EPS beat(12)10
Avg EPS beat(12)11.74%
EPS beat(16)13
Avg EPS beat(16)11.66%
Revenue beat(2)1
Avg Revenue beat(2)3.55%
Min Revenue beat(2)-0.75%
Max Revenue beat(2)7.86%
Revenue beat(4)2
Avg Revenue beat(4)2.59%
Min Revenue beat(4)-3.76%
Max Revenue beat(4)7.86%
Revenue beat(8)6
Avg Revenue beat(8)8.58%
Revenue beat(12)10
Avg Revenue beat(12)41.73%
Revenue beat(16)14
Avg Revenue beat(16)37.93%
PT rev (1m)0.68%
PT rev (3m)2.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.61%
EPS NY rev (1m)0%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.35 | ||
| Fwd PE | 12.42 | ||
| P/S | 0.71 | ||
| P/FCF | 1784.25 | ||
| P/OCF | 381.66 | ||
| P/B | 2.53 | ||
| P/tB | 2.53 | ||
| EV/EBITDA | 12.35 |
EPS(TTM)2.83
EY6.52%
EPS(NY)3.5
Fwd EY8.05%
FCF(TTM)0.02
FCFY0.06%
OCF(TTM)0.11
OCFY0.26%
SpS61.56
BVpS17.16
TBVpS17.16
PEG (NY)1.61
PEG (5Y)0.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 13.6% | ||
| ROCE | 3.44% | ||
| ROIC | 2.56% | ||
| ROICexc | 2.7% | ||
| ROICexgc | 7.37% | ||
| OM | 5.31% | ||
| PM (TTM) | 3.79% | ||
| GM | N/A | ||
| FCFM | 0.04% |
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-Score7
Asset Turnover0.64
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 92.42 | ||
| Debt/EBITDA | 0.53 | ||
| Cap/Depr | 230.28% | ||
| Cap/Sales | 0.15% | ||
| Interest Coverage | 54.57 | ||
| Cash Conversion | 3.44% | ||
| Profit Quality | 1.04% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | 1.16 |
F-Score7
WACC8.03%
ROIC/WACC0.32
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)15.51%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%2.94%
EPS Next Y9.54%
EPS Next 2Y11.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.99%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%-4.95%
Revenue Next Year8.4%
Revenue Next 2Y10.13%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y26.67%
EBIT growth 3Y34.61%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-99.21%
FCF growth 3Y-27.44%
FCF growth 5Y15.97%
OCF growth 1Y-96.38%
OCF growth 3Y-26.93%
OCF growth 5Y15.45%