TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
Canada - TSX:TSU - CA89679A2092 - Common Stock
39.55 CAD
+0.43 (+1.1%)
Overall TSU gets a fundamental rating of 5 out of 10. We evaluated TSU against 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 is valued quite expensive, but it does show an excellent growth. These ratings would make TSU suitable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year TSU was profitable.
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
The Return On Assets of TSU (2.62%) is better than 78.75% of its industry peers.
TSU's Return On Equity of 14.41% is amongst the best of the industry. TSU outperforms 90.00% of its industry peers.
TSU has a Return On Invested Capital of 2.89%. This is in the better half of the industry: TSU outperforms 77.50% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TSU is in line with the industry average of 2.17%.
The 3 year average ROIC (1.93%) for TSU is below the current ROIC(2.89%), indicating increased profibility in the last year.
| 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
With a Profit Margin value of 3.96%, TSU is not doing good in the industry: 96.25% 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.
TSU has a Operating Margin of 5.74%. This is amonst the worse of the industry: TSU underperforms 96.25% of its industry peers.
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.
Compared to 1 year ago, TSU has more shares outstanding
Compared to 5 years ago, TSU has more shares outstanding
TSU has a better debt/assets ratio than last year.
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.
The Altman-Z score of TSU (1.16) is better than 98.75% of its industry peers.
TSU has a debt to FCF ratio of 0.50. This is a very positive value and a sign of high solvency as it would only need 0.50 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.50, TSU belongs to the best of the industry, outperforming 82.50% of the companies in the same industry.
TSU has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
TSU has a Debt to Equity ratio of 0.12. This is amongst the best in the industry. TSU outperforms 92.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.5 | ||
| Altman-Z | 1.16 |
ROIC/WACC0.38
WACC7.58%
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 in line compared to the rest of the industry. TSU outperforms 42.50% 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 42.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.02 | ||
| Quick Ratio | 0.02 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.55% over the past year.
The Earnings Per Share has been growing by 80.91% on average over the past years. This is a very strong growth
The Revenue has grown by 22.45% in the past year. This is a very strong growth!
TSU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 89.61% yearly.
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 9.77% on average over the next years. This is quite good.
TSU is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 79.08% yearly.
EPS Next Y4.01%
EPS Next 2Y8.97%
EPS Next 3Y9.77%
EPS Next 5YN/A
Revenue Next Year10.33%
Revenue Next 2Y10.11%
Revenue Next 3Y79.08%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.78, the valuation of TSU can be described as correct.
Based on the Price/Earnings ratio, TSU is valued expensively inside the industry as 92.50% of the companies are valued cheaper.
TSU is valuated rather cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.85, the valuation of TSU can be described as reasonable.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than the industry average as 68.75% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 33.61, TSU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.78 | ||
| Fwd PE | 11.85 |
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 66.25% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, TSU is valued more expensive than 82.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.02 | ||
| EV/EBITDA | 10.05 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TSU does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.44
PEG (5Y)0.17
EPS Next 2Y8.97%
EPS Next 3Y9.77%
5. Dividend
5.1 Amount
TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (11/10/2025, 7:00:00 PM)
39.55
+0.43 (+1.1%)
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 Cap1.89B
Revenue(TTM)3.07B
Net Income(TTM)121.46M
Analysts80
Price Target54.41 (37.57%)
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)-2.35%
PT rev (3m)1.37%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)-2.81%
EPS NY rev (1m)-0.77%
EPS NY rev (3m)-5.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.78 | ||
| Fwd PE | 11.85 | ||
| P/S | 0.62 | ||
| P/FCF | 6.02 | ||
| P/OCF | 5.96 | ||
| P/B | 2.24 | ||
| P/tB | 2.24 | ||
| EV/EBITDA | 10.05 |
EPS(TTM)2.87
EY7.26%
EPS(NY)3.34
Fwd EY8.44%
FCF(TTM)6.57
FCFY16.61%
OCF(TTM)6.63
OCFY16.77%
SpS64.23
BVpS17.63
TBVpS17.63
PEG (NY)3.44
PEG (5Y)0.17
Graham Number33.74
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%
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-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 | 1.16 |
F-Score8
WACC7.58%
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 Y4.01%
EPS Next 2Y8.97%
EPS Next 3Y9.77%
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%
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.
Can you provide the valuation status for TRISURA GROUP LTD?
ChartMill assigns a valuation rating of 3 / 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.
Can you provide the PE and PB ratios for TSU stock?
The Price/Earnings (PE) ratio for TRISURA GROUP LTD (TSU.CA) is 13.78 and the Price/Book (PB) ratio is 2.24.
How financially healthy is TRISURA GROUP LTD?
The financial health rating of TRISURA GROUP LTD (TSU.CA) is 5 / 10.