TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
TSX:TSU - Toronto Stock Exchange - CA89679A2092 - Common Stock - Currency: CAD
Taking everything into account, TSU scores 4 out of 10 in our fundamental rating. TSU was compared to 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 expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
TSU had positive earnings in the past year.
In the past year TSU had a positive cash flow from operations.
TSU had positive earnings in each of the past 5 years.
In the past 5 years TSU always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 2.43%, TSU is doing good in the industry, outperforming 75.95% of the companies in the same industry.
TSU has a better Return On Equity (13.60%) than 88.61% of its industry peers.
TSU's Return On Invested Capital of 2.56% is fine compared to the rest of the industry. TSU outperforms 73.42% 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 2.67%.
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 94.94% of its industry peers.
In the last couple of years the Profit Margin of TSU has remained more or less at the same level.
TSU's Operating Margin of 5.31% is on the low side compared to the rest of the industry. TSU is outperformed by 97.47% of its industry peers.
TSU's Operating Margin has declined in the last couple of years.
| 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.
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
Based on the Altman-Z score of 1.14, we must say that TSU is in the distress zone and has some risk of bankruptcy.
TSU has a Altman-Z score of 1.14. This is amongst the best in 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.
With a Debt to FCF ratio value of 92.42, TSU is not doing good in the industry: 98.73% of the companies in the same industry are doing better.
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 92.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 92.42 | ||
| Altman-Z | 1.14 |
ROIC/WACC0.33
WACC7.68%
2.3 Liquidity
A Current Ratio of 0.04 indicates that TSU may have some problems paying its short term obligations.
TSU's Current ratio of 0.04 is in line compared to the rest of the industry. TSU outperforms 41.77% of its industry peers.
TSU has a Quick 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 Quick ratio (0.04) which is comparable to the rest of the 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.
TSU shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 80.91% yearly.
TSU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.99%.
The Revenue has been growing by 89.61% on average over the past years. This is a very strong growth!
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
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.
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
Based on the Price/Earnings ratio of 14.56, the valuation of TSU can be described as correct.
Based on the Price/Earnings ratio, TSU is valued more expensive than 92.41% of the companies in the same industry.
TSU is valuated rather cheaply when we compare the Price/Earnings ratio to 27.24, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.78, the valuation of TSU can be described as very reasonable.
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 68.35% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.42. TSU is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.56 | ||
| Fwd PE | 11.78 |
4.2 Price Multiples
TSU's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TSU indicates a rather expensive valuation: TSU more expensive than 98.73% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1693.7 | ||
| EV/EBITDA | 11.68 |
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)1.53
PEG (5Y)0.18
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 (8/1/2025, 7:00:00 PM)
41.2
-1.09 (-2.58%)
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 Cap1.97B
Analysts80
Price Target53.68 (30.29%)
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)-0.44%
PT rev (3m)1.94%
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 | 14.56 | ||
| Fwd PE | 11.78 | ||
| P/S | 0.67 | ||
| P/FCF | 1693.7 | ||
| P/OCF | 362.29 | ||
| P/B | 2.4 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 11.68 |
EPS(TTM)2.83
EY6.87%
EPS(NY)3.5
Fwd EY8.49%
FCF(TTM)0.02
FCFY0.06%
OCF(TTM)0.11
OCFY0.28%
SpS61.52
BVpS17.15
TBVpS17.15
PEG (NY)1.53
PEG (5Y)0.18
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 | 1.14 |
F-Score7
WACC7.68%
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%