TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis

TSX:TSU • CA89679A2092

48.66 CAD
-0.68 (-1.38%)
Last: Feb 18, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

TSU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 76 industry peers in the Insurance industry. TSU has only an average score on both its financial health and profitability. While showing a medium growth rate, TSU is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

5

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.
  • 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.
TSU.CA Yearly Net Income VS EBIT VS OCF VS FCFTSU.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

1.2 Ratios

  • The Return On Assets of TSU (2.54%) is better than 76.32% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.72%, TSU is in the better half of the industry, outperforming 77.63% of the companies in the same industry.
  • TSU has a better Return On Invested Capital (2.70%) than 76.32% 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 2.99%.
  • The 3 year average ROIC (1.93%) for TSU is below the current ROIC(2.70%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.54%
ROE 13.72%
ROIC 2.7%
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.93%
ROIC(5y)1.78%
TSU.CA Yearly ROA, ROE, ROICTSU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • With a Profit Margin value of 4.15%, TSU is not doing good in the industry: 80.26% of the companies in the same industry are doing better.
  • 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 5.79%, TSU is not doing good in the industry: 80.26% of the companies in the same industry are doing better.
  • In the last couple of years the Operating Margin of TSU has declined.
Industry RankSector Rank
OM 5.79%
PM (TTM) 4.15%
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
TSU.CA Yearly Profit, Operating, Gross MarginsTSU.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • Compared to 5 years ago, TSU has more shares outstanding
  • The debt/assets ratio for TSU has been reduced compared to a year ago.
TSU.CA Yearly Shares OutstandingTSU.CA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
TSU.CA Yearly Total Debt VS Total AssetsTSU.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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 97.37% of the companies in the same industry.
  • TSU has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of all of its debts.
  • TSU has a better Debt to FCF ratio (0.42) than 97.37% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that TSU is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.11, TSU belongs to the best of the industry, outperforming 92.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.42
Altman-Z 1.16
ROIC/WACC0.35
WACC7.79%
TSU.CA Yearly LT Debt VS Equity VS FCFTSU.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

  • TSU has a Current Ratio of 0.05. 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 better Current ratio (0.05) than 61.84% of its industry peers.
  • TSU has a Quick Ratio of 0.05. 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 better Quick ratio (0.05) than 61.84% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
TSU.CA Yearly Current Assets VS Current LiabilitesTSU.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 13.28% 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 11.41% 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)13.28%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%4.41%
Revenue 1Y (TTM)11.41%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%6.38%

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 9.70% yearly.
  • Based on estimates for the next years, TSU will show a decrease in Revenue. The Revenue will decrease by -8.87% on average per year.
EPS Next Y1.09%
EPS Next 2Y7.58%
EPS Next 3Y9.7%
EPS Next 5YN/A
Revenue Next Year9.31%
Revenue Next 2Y10.72%
Revenue Next 3Y-8.87%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
TSU.CA Yearly Revenue VS EstimatesTSU.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
TSU.CA Yearly EPS VS EstimatesTSU.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 16.78, the valuation of TSU can be described as correct.
  • 77.63% 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 (27.27), we can say TSU is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 14.96, which indicates a correct valuation of TSU.
  • TSU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 68.42% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.16. TSU is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.78
Fwd PE 14.96
TSU.CA Price Earnings VS Forward Price EarningsTSU.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than 63.16% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, TSU is valued a bit more expensive than 63.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.16
EV/EBITDA 12.64
TSU.CA Per share dataTSU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)15.4
PEG (5Y)0.21
EPS Next 2Y7.58%
EPS Next 3Y9.7%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • TSU does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TRISURA GROUP LTD

TSX:TSU (2/18/2026, 7:00:00 PM)

48.66

-0.68 (-1.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners40.27%
Inst Owner ChangeN/A
Ins Owners2.23%
Ins Owner ChangeN/A
Market Cap2.32B
Revenue(TTM)2.99B
Net Income(TTM)123.93M
Analysts80
Price Target55.05 (13.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0
Avg EPS beat(2)-5.85%
Min EPS beat(2)-6.27%
Max EPS beat(2)-5.43%
EPS beat(4)1
Avg EPS beat(4)0.98%
Min EPS beat(4)-6.27%
Max EPS beat(4)21.03%
EPS beat(8)4
Avg EPS beat(8)0.71%
EPS beat(12)8
Avg EPS beat(12)7.66%
EPS beat(16)11
Avg EPS beat(16)8.22%
Revenue beat(2)1
Avg Revenue beat(2)1.56%
Min Revenue beat(2)-5.18%
Max Revenue beat(2)8.29%
Revenue beat(4)2
Avg Revenue beat(4)2.56%
Min Revenue beat(4)-5.18%
Max Revenue beat(4)8.29%
Revenue beat(8)5
Avg Revenue beat(8)5.28%
Revenue beat(12)9
Avg Revenue beat(12)9.56%
Revenue beat(16)13
Avg Revenue beat(16)34.64%
PT rev (1m)0.94%
PT rev (3m)1.17%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)-4.83%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.81%
Revenue NQ rev (1m)26.67%
Revenue NQ rev (3m)-28.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.92%
Valuation
Industry RankSector Rank
PE 16.78
Fwd PE 14.96
P/S 0.78
P/FCF 6.16
P/OCF 6.1
P/B 2.56
P/tB 2.56
EV/EBITDA 12.64
EPS(TTM)2.9
EY5.96%
EPS(NY)3.25
Fwd EY6.68%
FCF(TTM)7.9
FCFY16.24%
OCF(TTM)7.98
OCFY16.4%
SpS62.76
BVpS18.97
TBVpS18.97
PEG (NY)15.4
PEG (5Y)0.21
Graham Number35.19
Profitability
Industry RankSector Rank
ROA 2.54%
ROE 13.72%
ROCE 3.63%
ROIC 2.7%
ROICexc 2.85%
ROICexgc 7.22%
OM 5.79%
PM (TTM) 4.15%
GM N/A
FCFM 12.6%
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%
ROICexgc growth 3Y36.06%
ROICexgc 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-Score6
Asset Turnover0.61
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.42
Debt/EBITDA 0.55
Cap/Depr 111.01%
Cap/Sales 0.12%
Interest Coverage 52.26
Cash Conversion 215.39%
Profit Quality 303.73%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z 1.16
F-Score6
WACC7.79%
ROIC/WACC0.35
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)13.28%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%4.41%
EPS Next Y1.09%
EPS Next 2Y7.58%
EPS Next 3Y9.7%
EPS Next 5YN/A
Revenue 1Y (TTM)11.41%
Revenue growth 3Y106.86%
Revenue growth 5Y89.61%
Sales Q2Q%6.38%
Revenue Next Year9.31%
Revenue Next 2Y10.72%
Revenue Next 3Y-8.87%
Revenue Next 5YN/A
EBIT growth 1Y10.13%
EBIT growth 3Y34.61%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y81%
FCF growth 3Y-27.44%
FCF growth 5Y15.97%
OCF growth 1Y81.75%
OCF growth 3Y-26.93%
OCF growth 5Y15.45%

TRISURA GROUP LTD / TSU.CA FAQ

Can you provide the ChartMill fundamental rating for TRISURA GROUP LTD?

ChartMill assigns a fundamental rating of 4 / 10 to TSU.CA.


What is the valuation status of TRISURA GROUP LTD (TSU.CA) stock?

ChartMill assigns a valuation rating of 2 / 10 to TRISURA GROUP LTD (TSU.CA). This can be considered as Overvalued.


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 1.09% in the next year.