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 82 industry peers in the Insurance industry. There are concerns on the financial health of TSU while its profitability can be described as average. TSU shows excellent growth, but is valued quite expensive already.
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 2.43% is fine compared to the rest of the industry. TSU outperforms 75.61% of its industry peers.
TSU has a better Return On Equity (13.60%) than 87.80% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.56%, TSU is in the better half of the industry, outperforming 73.17% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TSU is in line with the industry average of 2.70%.
The 3 year average ROIC (1.93%) for TSU is below the current ROIC(2.56%), indicating increased profibility in the last year.
| 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
Looking at the Profit Margin, with a value of 3.79%, TSU is doing worse than 93.90% of the companies in the same industry.
TSU's Profit Margin has been stable in the last couple of years.
The Operating Margin of TSU (5.31%) is worse than 96.34% of its industry peers.
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
TSU has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for TSU has been increased compared to 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 1.16. 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 1.16, TSU belongs to the top of the industry, outperforming 96.34% of the companies in the same industry.
The Debt to FCF ratio of TSU is 92.42, which is on the high side as it means it would take TSU, 92.42 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 92.42, TSU is doing worse than 97.56% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that TSU is not too dependend on debt financing.
TSU has a better Debt to Equity ratio (0.10) than 91.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 92.42 | ||
| Altman-Z | 1.16 |
ROIC/WACC0.33
WACC7.7%
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 of 0.04. This is comparable to the rest of the industry: TSU outperforms 41.46% of its industry peers.
A Quick Ratio of 0.04 indicates that TSU may have some problems paying its short term obligations.
With a Quick ratio value of 0.04, TSU perfoms like the industry average, outperforming 41.46% 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.
TSU is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.13% yearly.
EPS Next Y9.54%
EPS Next 2Y11.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.4%
Revenue Next 2Y10.13%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
TSU is valuated correctly with a Price/Earnings ratio of 15.78.
Based on the Price/Earnings ratio, TSU is valued more expensive than 91.46% of the companies in the same industry.
When comparing the Price/Earnings ratio of TSU to the average of the S&P500 Index (28.04), we can say TSU is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 12.77, the valuation of TSU can be described as correct.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than 67.07% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 37.64. TSU is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.78 | ||
| Fwd PE | 12.77 |
4.2 Price Multiples
TSU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TSU is cheaper than 60.98% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, TSU is valued more expensive than 97.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1834.38 | ||
| EV/EBITDA | 12.49 |
4.3 Compensation for Growth
TSU's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.65
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 (7/25/2025, 7:00:00 PM)
44.65
+0.74 (+1.69%)
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 Cap2.13B
Analysts80
Price Target53.68 (20.22%)
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)0.24%
PT rev (3m)4.32%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)1.75%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-1.1%
Revenue NQ rev (3m)-1.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.78 | ||
| Fwd PE | 12.77 | ||
| P/S | 0.73 | ||
| P/FCF | 1834.38 | ||
| P/OCF | 392.38 | ||
| P/B | 2.6 | ||
| P/tB | 2.6 | ||
| EV/EBITDA | 12.49 |
EPS(TTM)2.83
EY6.34%
EPS(NY)3.5
Fwd EY7.83%
FCF(TTM)0.02
FCFY0.05%
OCF(TTM)0.11
OCFY0.25%
SpS61.56
BVpS17.16
TBVpS17.16
PEG (NY)1.65
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 | 1.16 |
F-Score7
WACC7.7%
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 Year8.4%
Revenue Next 2Y10.13%
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%