TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
TSX:TSU - Toronto Stock Exchange - CA89679A2092 - Common Stock - Currency: CAD
Overall TSU gets a fundamental rating of 4 out of 10. We evaluated TSU against 79 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 expensively, but it does show have an excellent growth rating.
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.
Each year in the past 5 years TSU has been profitable.
Each year in the past 5 years TSU had a positive operating cash flow.
1.2 Ratios
TSU has a Return On Assets of 2.43%. This is in the better half of the industry: TSU outperforms 74.68% of its industry peers.
With an excellent Return On Equity value of 13.60%, TSU belongs to the best of the industry, outperforming 87.34% of the companies in the same industry.
TSU has a Return On Invested Capital of 2.56%. This is in the better half of the industry: TSU outperforms 72.15% 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 2.78%.
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 has a worse Profit Margin (3.79%) than 93.67% of its industry peers.
TSU's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 5.31%, TSU is doing worse than 96.20% of the companies in the same industry.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TSU is destroying value.
TSU has more shares outstanding than it did 1 year ago.
TSU has more shares outstanding than it did 5 years ago.
TSU has a better debt/assets ratio than last year.
2.2 Solvency
TSU has an Altman-Z score of 1.15. This is a bad value and indicates that TSU is not financially healthy and even has some risk of bankruptcy.
TSU's Altman-Z score of 1.15 is amongst the best of the industry. TSU outperforms 96.20% of its industry peers.
TSU has a debt to FCF ratio of 92.42. This is a negative value and a sign of low solvency as TSU would need 92.42 years to pay back of all of its debts.
TSU's Debt to FCF ratio of 92.42 is on the low side compared to the rest of the industry. TSU is outperformed by 97.47% of its industry peers.
TSU has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.10, TSU belongs to the best of the industry, outperforming 91.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 92.42 | ||
| Altman-Z | 1.15 |
ROIC/WACC0.33
WACC7.69%
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 has a Current ratio (0.04) which is comparable to the rest of the industry.
A Quick Ratio of 0.04 indicates that TSU may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.04, TSU is in line with its industry, outperforming 40.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.51% over the past year.
Measured over the past years, TSU shows a very strong growth in Earnings Per Share. The EPS has been growing by 80.91% on average per year.
The Revenue has grown by 17.99% in the past year. This is quite good.
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)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.
The Revenue is expected to grow by 10.33% on average over the next years. This is quite good.
EPS Next Y9.54%
EPS Next 2Y11.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.83%
Revenue Next 2Y10.33%
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.
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
A Price/Earnings ratio of 15.10 indicates a correct valuation of TSU.
91.14% of the companies in the same industry are cheaper than TSU, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TSU to the average of the S&P500 Index (26.41), we can say TSU is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.21 indicates a correct 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 65.82% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.87. TSU is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.1 | ||
| Fwd PE | 12.21 |
4.2 Price Multiples
TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 60.76% of the companies in the same industry.
97.47% of the companies in the same industry are cheaper than TSU, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1756.18 | ||
| EV/EBITDA | 12.14 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.58
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 (8/11/2025, 7:00:00 PM)
42.72
+0.58 (+1.38%)
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 Cap2.04B
Analysts80
Price Target54.32 (27.15%)
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)0.74%
PT rev (3m)3.15%
EPS NQ rev (1m)-0.43%
EPS NQ rev (3m)1.32%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.1%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)-3.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.1 | ||
| Fwd PE | 12.21 | ||
| P/S | 0.69 | ||
| P/FCF | 1756.18 | ||
| P/OCF | 375.66 | ||
| P/B | 2.49 | ||
| P/tB | 2.49 | ||
| EV/EBITDA | 12.14 |
EPS(TTM)2.83
EY6.62%
EPS(NY)3.5
Fwd EY8.19%
FCF(TTM)0.02
FCFY0.06%
OCF(TTM)0.11
OCFY0.27%
SpS61.52
BVpS17.15
TBVpS17.15
PEG (NY)1.58
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 | 1.15 |
F-Score7
WACC7.69%
ROIC/WACC0.33
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 Year8.83%
Revenue Next 2Y10.33%
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%