TRISURA GROUP LTD (TSU.CA) Fundamental Analysis & Valuation

TSX:TSU • CA89679A2092

Current stock price

43 CAD
-0.2 (-0.46%)
Last:

This TSU.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. TSU.CA Profitability Analysis

1.1 Basic Checks

  • TSU had positive earnings in the past year.
  • 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.
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 2025 0 100M 200M 300M

1.2 Ratios

  • With a decent Return On Assets value of 2.84%, TSU is doing good in the industry, outperforming 77.22% of the companies in the same industry.
  • The Return On Equity of TSU (15.38%) is better than 83.54% of its industry peers.
  • TSU's Return On Invested Capital of 3.26% is fine compared to the rest of the industry. TSU outperforms 77.22% 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 3.17%.
  • The 3 year average ROIC (2.58%) for TSU is below the current ROIC(3.26%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.84%
ROE 15.38%
ROIC 3.26%
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.58%
ROIC(5y)2.32%
TSU.CA Yearly ROA, ROE, ROICTSU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • TSU has a worse Profit Margin (5.02%) than 79.75% of its industry peers.
  • In the last couple of years the Profit Margin of TSU has declined.
  • TSU's Operating Margin of 7.39% is on the low side compared to the rest of the industry. TSU is outperformed by 79.75% of its industry peers.
  • TSU's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 7.39%
PM (TTM) 5.02%
GM N/A
OM growth 3Y42.08%
OM growth 5Y4.96%
PM growth 3Y48.68%
PM growth 5Y-21.09%
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 2025 0 10 -10

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. TSU.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TSU is destroying value.
  • TSU has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for TSU has been increased compared to 5 years ago.
  • The debt/assets ratio for TSU is higher compared to a year ago.
TSU.CA Yearly Shares OutstandingTSU.CA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • Based on the Altman-Z score of 1.07, we must say that TSU is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.07, TSU belongs to the top of the industry, outperforming 96.20% 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.
  • With an excellent Debt to FCF ratio value of 0.42, TSU belongs to the best of the industry, outperforming 97.47% of the companies in the same industry.
  • TSU has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • TSU has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. TSU outperforms 98.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.42
Altman-Z 1.07
ROIC/WACC0.43
WACC7.58%
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 2025 200M 400M 600M 800M

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 has a Current ratio of 0.02. This is in the better half of the industry: TSU outperforms 64.56% 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 in the better half of the industry: TSU outperforms 64.56% of its industry peers.
Industry RankSector Rank
Current Ratio 0.02
Quick Ratio 0.02
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 2025 50M 100M 150M

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

5

3. TSU.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.78% over the past year.
  • The Earnings Per Share has been growing by 28.31% on average over the past years. This is a very strong growth
  • Looking at the last year, TSU shows a decrease in Revenue. The Revenue has decreased by -3.91% in the last year.
  • The Revenue has been growing by 70.36% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y15.91%
Revenue growth 5Y70.36%
Sales Q2Q%6.07%

3.2 Future

  • The Earnings Per Share is expected to grow by 14.62% on average over the next years. This is quite good.
  • Based on estimates for the next years, TSU will show a very negative growth in Revenue. The Revenue will decrease by -17.12% on average per year.
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

4

4. TSU.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.03, which indicates a correct valuation of TSU.
  • TSU's Price/Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 74.68% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, TSU is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 13.03, TSU is valued correctly.
  • Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than 68.35% of the companies in the same industry.
  • TSU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.42.
Industry RankSector Rank
PE 15.03
Fwd PE 13.03
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 67.09% of the companies in the same industry.
  • TSU's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 5.41
EV/EBITDA 8.97
TSU.CA Per share dataTSU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • TSU's earnings are expected to grow with 14.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.98
PEG (5Y)0.53
EPS Next 2Y14.62%
EPS Next 3YN/A

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

0

5. TSU.CA Dividend Analysis

5.1 Amount

  • No dividends for TSU!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

TSU.CA Fundamentals: All Metrics, Ratios and Statistics

TRISURA GROUP LTD

TSX:TSU (3/20/2026, 7:00:00 PM)

43

-0.2 (-0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-12
Earnings (Next)04-29
Inst Owners47.62%
Inst Owner ChangeN/A
Ins Owners2.26%
Ins Owner ChangeN/A
Market Cap2.04B
Revenue(TTM)2.83B
Net Income(TTM)142.25M
Analysts80
Price Target58.14 (35.21%)
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)1
Avg EPS beat(2)-0.84%
Min EPS beat(2)-6.27%
Max EPS beat(2)4.59%
EPS beat(4)1
Avg EPS beat(4)-3.14%
Min EPS beat(4)-6.27%
Max EPS beat(4)4.59%
EPS beat(8)4
Avg EPS beat(8)1.26%
EPS beat(12)8
Avg EPS beat(12)5.3%
EPS beat(16)12
Avg EPS beat(16)9.64%
Revenue beat(2)1
Avg Revenue beat(2)18.57%
Min Revenue beat(2)-5.18%
Max Revenue beat(2)42.32%
Revenue beat(4)2
Avg Revenue beat(4)11.17%
Min Revenue beat(4)-5.18%
Max Revenue beat(4)42.32%
Revenue beat(8)5
Avg Revenue beat(8)9.3%
Revenue beat(12)9
Avg Revenue beat(12)11.06%
Revenue beat(16)13
Avg Revenue beat(16)36.09%
PT rev (1m)5.62%
PT rev (3m)6.6%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)1.18%
EPS NY rev (1m)1.44%
EPS NY rev (3m)1.44%
Revenue NQ rev (1m)12.73%
Revenue NQ rev (3m)12.73%
Revenue NY rev (1m)-42.7%
Revenue NY rev (3m)-42.7%
Valuation
Industry RankSector Rank
PE 15.03
Fwd PE 13.03
P/S 0.72
P/FCF 5.41
P/OCF 5.34
P/B 2.21
P/tB 2.21
EV/EBITDA 8.97
EPS(TTM)2.86
EY6.65%
EPS(NY)3.3
Fwd EY7.67%
FCF(TTM)7.95
FCFY18.49%
OCF(TTM)8.06
OCFY18.74%
SpS59.6
BVpS19.46
TBVpS19.46
PEG (NY)0.98
PEG (5Y)0.53
Graham Number35.39
Profitability
Industry RankSector Rank
ROA 2.84%
ROE 15.38%
ROCE 4.34%
ROIC 3.26%
ROICexc 3.46%
ROICexgc 8.98%
OM 7.39%
PM (TTM) 5.02%
GM N/A
FCFM 13.34%
ROA(3y)2.43%
ROA(5y)2.29%
ROE(3y)13.78%
ROE(5y)12.81%
ROIC(3y)2.58%
ROIC(5y)2.32%
ROICexc(3y)2.83%
ROICexc(5y)2.64%
ROICexgc(3y)8.27%
ROICexgc(5y)6.49%
ROCE(3y)3.43%
ROCE(5y)3.09%
ROICexgc growth 3Y26.63%
ROICexgc growth 5Y54.47%
ROICexc growth 3Y32.4%
ROICexc growth 5Y43.8%
OM growth 3Y42.08%
OM growth 5Y4.96%
PM growth 3Y48.68%
PM growth 5Y-21.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.42
Debt/EBITDA 0.1
Cap/Depr 131.67%
Cap/Sales 0.18%
Interest Coverage 55.33
Cash Conversion 179.64%
Profit Quality 265.5%
Current Ratio 0.02
Quick Ratio 0.02
Altman-Z 1.07
F-Score7
WACC7.58%
ROIC/WACC0.43
Cap/Depr(3y)147.36%
Cap/Depr(5y)117.8%
Cap/Sales(3y)0.11%
Cap/Sales(5y)0.3%
Profit Quality(3y)249.06%
Profit Quality(5y)353.5%
High Growth Momentum
Growth
EPS 1Y (TTM)1.78%
EPS 3Y15.21%
EPS 5Y28.31%
EPS Q2Q%-5.06%
EPS Next Y15.35%
EPS Next 2Y14.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.91%
Revenue growth 3Y15.91%
Revenue growth 5Y70.36%
Sales Q2Q%6.07%
Revenue Next Year-36.38%
Revenue Next 2Y-17.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.99%
EBIT growth 3Y64.69%
EBIT growth 5Y78.81%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y225.88%
FCF growth 3Y36.41%
FCF growth 5Y35.71%
OCF growth 1Y219.73%
OCF growth 3Y36.37%
OCF growth 5Y35.65%

TRISURA GROUP LTD / TSU.CA Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 10 to TSU.CA.


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

ChartMill assigns a valuation rating of 4 / 10 to TRISURA GROUP LTD (TSU.CA). This can be considered as Fairly Valued.


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 15.35% in the next year.