TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation
TSX:TSU • CA89679A2092
43.86 CAD
-0.05 (-0.11%)
Last: Mar 11, 2026, 07:00 PM
This TSU.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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 has a decent growth rate and is not valued too expensively.
1. TSU.CA Profitability Analysis
1.1 Basic Checks
- TSU had positive earnings in the past year.
- TSU had a positive operating cash flow in the past year.
- TSU had positive earnings in each of the past 5 years.
- Each year in the past 5 years TSU had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.84%, TSU is in the better half of the industry, outperforming 77.50% of the companies in the same industry.
- TSU has a better Return On Equity (15.38%) than 83.75% of its industry peers.
- TSU's Return On Invested Capital of 3.25% is fine compared to the rest of the industry. TSU outperforms 77.50% of its industry peers.
- TSU had an Average Return On Invested Capital over the past 3 years of 2.60%. This is in line with the industry average of 3.17%.
- The 3 year average ROIC (2.60%) for TSU is below the current ROIC(3.25%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROIC | 3.25% |
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.6%
ROIC(5y)2.33%
1.3 Margins
- TSU has a worse Profit Margin (5.02%) than 80.00% of its industry peers.
- TSU's Profit Margin has declined in the last couple of years.
- With a Operating Margin value of 7.38%, TSU is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
- In the last couple of years the Operating Margin of TSU has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.38% | ||
| PM (TTM) | 5.02% | ||
| GM | N/A |
OM growth 3Y42.5%
OM growth 5Y5.15%
PM growth 3Y48.49%
PM growth 5Y-21.15%
GM growth 3YN/A
GM growth 5YN/A
2. TSU.CA Health Analysis
2.1 Basic Checks
- TSU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, TSU has less shares outstanding
- TSU has more shares outstanding than it did 5 years ago.
- TSU has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.08, we must say that TSU is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.08, TSU belongs to the top of the industry, outperforming 96.25% of the companies in the same industry.
- The Debt to FCF ratio of TSU is 0.42, which is an excellent value as it means it would take TSU, only 0.42 years of fcf income to pay off all of its debts.
- TSU has a Debt to FCF ratio of 0.42. This is amongst the best in the industry. TSU outperforms 97.50% of its industry peers.
- A Debt/Equity ratio of 0.02 indicates that TSU is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.02, TSU belongs to the best of the industry, outperforming 98.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | 1.08 |
ROIC/WACC0.42
WACC7.69%
2.3 Liquidity
- TSU has a Current 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 Current ratio of 0.02 is fine compared to the rest of the industry. TSU outperforms 63.75% of its industry peers.
- 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.
- The Quick ratio of TSU (0.02) is better than 63.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. TSU.CA Growth Analysis
3.1 Past
- TSU shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.78%.
- Measured over the past years, TSU shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.31% on average per year.
- TSU shows a decrease in Revenue. In the last year, the revenue decreased by -3.91%.
- Measured over the past years, TSU shows a very strong growth in Revenue. The Revenue has been growing by 70.48% on average per year.
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y16.05%
Revenue growth 5Y70.48%
Sales Q2Q%6.07%
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 14.62% on average per year.
- The Revenue is expected to decrease by -17.12% on average over the next years. This is quite bad
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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 decreasing.
4. TSU.CA Valuation Analysis
4.1 Price/Earnings Ratio
- TSU is valuated correctly with a Price/Earnings ratio of 15.34.
- Based on the Price/Earnings ratio, TSU is valued a bit more expensive than the industry average as 76.25% of the companies are valued more cheaply.
- TSU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.71.
- A Price/Forward Earnings ratio of 13.30 indicates a correct valuation of TSU.
- 68.75% of the companies in the same industry are cheaper than TSU, based on the Price/Forward Earnings ratio.
- TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.34 | ||
| Fwd PE | 13.3 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than the industry average as 67.50% of the companies are valued more expensively.
- The rest of the industry has a similar Price/Free Cash Flow ratio as TSU.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.52 | ||
| EV/EBITDA | 9.18 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as TSU's earnings are expected to grow with 14.62% in the coming years.
PEG (NY)1
PEG (5Y)0.54
EPS Next 2Y14.62%
EPS Next 3YN/A
5. TSU.CA Dividend Analysis
5.1 Amount
- No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSU.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:TSU (3/11/2026, 7:00:00 PM)
43.86
-0.05 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12 2026-02-12/amc
Earnings (Next)04-29 2026-04-29
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap2.08B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.14 (32.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-0.84%
Min EPS beat(2)-6.27%
Max EPS beat(2)4.59%
EPS beat(4)1
Avg EPS beat(4)-3.14%
Min EPS beat(4)-6.27%
Max EPS beat(4)4.59%
EPS beat(8)4
Avg EPS beat(8)1.26%
EPS beat(12)8
Avg EPS beat(12)5.3%
EPS beat(16)12
Avg EPS beat(16)9.64%
Revenue beat(2)1
Avg Revenue beat(2)18.57%
Min Revenue beat(2)-5.18%
Max Revenue beat(2)42.32%
Revenue beat(4)2
Avg Revenue beat(4)11.17%
Min Revenue beat(4)-5.18%
Max Revenue beat(4)42.32%
Revenue beat(8)5
Avg Revenue beat(8)9.3%
Revenue beat(12)9
Avg Revenue beat(12)11.06%
Revenue beat(16)13
Avg Revenue beat(16)36.09%
PT rev (1m)5.62%
PT rev (3m)6.6%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)1.18%
EPS NY rev (1m)1.44%
EPS NY rev (3m)0.35%
Revenue NQ rev (1m)12.73%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)-42.7%
Revenue NY rev (3m)-42.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.34 | ||
| Fwd PE | 13.3 | ||
| P/S | 0.74 | ||
| P/FCF | 5.52 | ||
| P/OCF | 5.44 | ||
| P/B | 2.25 | ||
| P/tB | 2.25 | ||
| EV/EBITDA | 9.18 |
EPS(TTM)2.86
EY6.52%
EPS(NY)3.3
Fwd EY7.52%
FCF(TTM)7.95
FCFY18.12%
OCF(TTM)8.06
OCFY18.37%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)1
PEG (5Y)0.54
Graham Number35.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.84% | ||
| ROE | 15.38% | ||
| ROCE | 4.33% | ||
| ROIC | 3.25% | ||
| ROICexc | 3.46% | ||
| ROICexgc | 8.97% | ||
| OM | 7.38% | ||
| PM (TTM) | 5.02% | ||
| GM | N/A | ||
| FCFM | 13.34% |
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.6%
ROIC(5y)2.33%
ROICexc(3y)2.85%
ROICexc(5y)2.65%
ROICexgc(3y)8.33%
ROICexgc(5y)6.53%
ROCE(3y)3.46%
ROCE(5y)3.11%
ROICexgc growth 3Y27.16%
ROICexgc growth 5Y54.86%
ROICexc growth 3Y32.95%
ROICexc growth 5Y44.16%
OM growth 3Y42.5%
OM growth 5Y5.15%
PM growth 3Y48.49%
PM growth 5Y-21.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.57
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.42 | ||
| Debt/EBITDA | 0.1 | ||
| Cap/Depr | 131.67% | ||
| Cap/Sales | 0.18% | ||
| Interest Coverage | 55.26 | ||
| Cash Conversion | 179.85% | ||
| Profit Quality | 265.5% | ||
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 | ||
| Altman-Z | 1.08 |
F-Score7
WACC7.69%
ROIC/WACC0.42
Cap/Depr(3y)147.36%
Cap/Depr(5y)117.8%
Cap/Sales(3y)0.11%
Cap/Sales(5y)0.3%
Profit Quality(3y)249.06%
Profit Quality(5y)353.5%
High Growth Momentum
Growth
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y16.05%
Revenue growth 5Y70.48%
Sales Q2Q%6.07%
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.83%
EBIT growth 3Y65.37%
EBIT growth 5Y79.26%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y225.88%
FCF growth 3Y36.41%
FCF growth 5Y35.71%
OCF growth 1Y219.73%
OCF growth 3Y36.37%
OCF growth 5Y35.65%
TRISURA GROUP LTD / TSU.CA FAQ
Can you provide the ChartMill fundamental rating for TRISURA GROUP LTD?
ChartMill assigns a fundamental rating of 5 / 10 to TSU.CA.
What is the valuation status of TRISURA GROUP LTD (TSU.CA) stock?
ChartMill assigns a valuation rating of 4 / 10 to TRISURA GROUP LTD (TSU.CA). This can be considered as Fairly Valued.
What is the profitability of TSU stock?
TRISURA GROUP LTD (TSU.CA) has a profitability rating of 5 / 10.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.
Can you provide the expected EPS growth for TSU stock?
The Earnings per Share (EPS) of TRISURA GROUP LTD (TSU.CA) is expected to grow by 15.35% in the next year.