TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - TSX:TSU - CA89679A2092 - Common Stock
37 CAD
+0.42 (+1.15%)
We assign a fundamental rating of 5 out of 10 to TSU. TSU was compared to 79 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 is valued quite expensively, but it does show have an excellent growth rating. This makes TSU very considerable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year TSU was profitable.
In the past year TSU had a positive cash flow from operations.
In the past 5 years TSU has always been profitable.
TSU had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
TSU's Return On Assets of 2.62% is fine compared to the rest of the industry. TSU outperforms 77.22% of its industry peers.
TSU has a Return On Equity of 14.41%. This is amongst the best in the industry. TSU outperforms 89.87% of its industry peers.
The Return On Invested Capital of TSU (2.89%) is better than 77.22% of its industry peers.
TSU had an Average Return On Invested Capital over the past 3 years of 1.93%. This is in line with the industry average of 2.21%.
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
The Profit Margin of TSU (3.96%) is worse than 97.47% of its industry peers.
In the last couple of years the Profit Margin of TSU has remained more or less at the same level.
With a Operating Margin value of 5.74%, TSU is not doing good in the industry: 97.47% of the companies in the same industry are doing better.
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
TSU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
TSU has more shares outstanding than it did 1 year ago.
The number of shares outstanding for TSU has been increased compared to 5 years ago.
Compared to 1 year ago, TSU has an improved debt to assets ratio.
2.2 Solvency
TSU has an Altman-Z score of 1.14. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.14, TSU belongs to the top of the industry, outperforming 97.47% of the companies in the same industry.
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 81.01% 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 91.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.5 | ||
| Altman-Z | 1.14 |
ROIC/WACC0.38
WACC7.56%
2.3 Liquidity
A Current Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
TSU's Current ratio of 0.02 is in line compared to the rest of the industry. TSU outperforms 43.04% of its industry peers.
A Quick Ratio of 0.02 indicates that TSU may have some problems paying its short term obligations.
TSU has a Quick ratio of 0.02. This is comparable to the rest of the industry: TSU outperforms 43.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. Growth
3.1 Past
TSU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.55%, 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.
The Revenue has grown by 22.45% in the past year. This is a very strong growth!
Measured over the past years, TSU shows a very strong growth in Revenue. The Revenue has been growing by 89.61% on average per year.
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
The Earnings Per Share is expected to grow by 10.20% on average over the next years. This is quite good.
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
Based on the Price/Earnings ratio of 12.89, the valuation of TSU can be described as correct.
Based on the Price/Earnings ratio, TSU is valued more expensive than 94.94% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.42. TSU is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.83, the valuation of TSU can be described as reasonable.
67.09% of the companies in the same industry are cheaper than TSU, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, TSU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
65.82% of the companies in the same industry are more expensive than TSU, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, TSU is valued expensively inside the industry as 82.28% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.63 | ||
| EV/EBITDA | 9.37 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.68
PEG (5Y)0.16
EPS Next 2Y10.26%
EPS Next 3Y10.2%
5. Dividend
5.1 Amount
No dividends for TSU!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (10/17/2025, 7:00:00 PM)
37
+0.42 (+1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.16%
Inst Owner ChangeN/A
Ins Owners3.46%
Ins Owner ChangeN/A
Market Cap1.77B
Analysts80
Price Target55.72 (50.59%)
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)0%
PT rev (3m)3.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.89 | ||
| Fwd PE | 10.83 | ||
| P/S | 0.58 | ||
| P/FCF | 5.63 | ||
| P/OCF | 5.58 | ||
| P/B | 2.1 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | 9.37 |
EPS(TTM)2.87
EY7.76%
EPS(NY)3.42
Fwd EY9.23%
FCF(TTM)6.57
FCFY17.76%
OCF(TTM)6.63
OCFY17.93%
SpS64.23
BVpS17.63
TBVpS17.63
PEG (NY)2.68
PEG (5Y)0.16
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 | 1.14 |
F-Score8
WACC7.56%
ROIC/WACC0.38
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%