TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
TSX:TSU - Toronto Stock Exchange - CA89679A2092 - Common Stock - Currency: CAD
We assign a fundamental rating of 5 out of 10 to TSU. TSU was compared to 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 expensively, but it does show have an excellent growth rating. With these ratings, TSU could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
TSU had positive earnings in the past year.
TSU had a positive operating cash flow in the past year.
Each year in the past 5 years TSU has been profitable.
Each year in the past 5 years TSU had a positive operating cash flow.
1.2 Ratios
TSU has a Return On Assets of 2.59%. This is in the better half of the industry: TSU outperforms 76.25% of its industry peers.
TSU's Return On Equity of 15.14% is amongst the best of the industry. TSU outperforms 87.50% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.70%, TSU is in the better half of the industry, outperforming 73.75% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TSU is in line with the industry average of 2.83%.
The 3 year average ROIC (1.96%) for TSU is below the current ROIC(2.70%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.59% | ||
| ROE | 15.14% | ||
| ROIC | 2.7% |
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.96%
ROIC(5y)1.8%
1.3 Margins
TSU has a worse Profit Margin (4.04%) than 95.00% of its industry peers.
TSU's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 5.57%, TSU is doing worse than 97.50% of the companies in the same industry.
TSU's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.57% | ||
| PM (TTM) | 4.04% | ||
| GM | N/A |
OM growth 3Y-34.19%
OM growth 5YN/A
PM growth 3Y-40.11%
PM growth 5Y-0.59%
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.
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 1.11, we must say that TSU is in the distress zone and has some risk of bankruptcy.
TSU's Altman-Z score of 1.11 is amongst the best of the industry. TSU outperforms 96.25% of its industry peers.
The Debt to FCF ratio of TSU is 0.93, which is an excellent value as it means it would take TSU, only 0.93 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.93, 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 0.11. This is a healthy value indicating a solid balance between debt and equity.
TSU has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. TSU outperforms 92.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.93 | ||
| Altman-Z | 1.11 |
ROIC/WACC0.37
WACC7.36%
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.
Looking at the Current ratio, with a value of 0.04, TSU is in line with its industry, outperforming 43.75% of the companies in the same industry.
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 of 0.04. This is comparable to the rest of the industry: TSU outperforms 43.75% of its industry peers.
| 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 18.07% 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 23.97% 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 89.60% yearly.
EPS 1Y (TTM)18.07%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%46.3%
Revenue 1Y (TTM)23.97%
Revenue growth 3Y106.83%
Revenue growth 5Y89.6%
Sales Q2Q%34.07%
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 12.93% yearly.
EPS Next Y9.54%
EPS Next 2Y11.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.21%
Revenue Next 2Y12.93%
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.
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
The Price/Earnings ratio is 13.28, which indicates a correct valuation of TSU.
92.50% 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 (28.22), we can say TSU is valued rather cheaply.
The Price/Forward Earnings ratio is 12.13, which indicates a correct valuation of TSU.
Based on the Price/Forward Earnings ratio, TSU is valued a bit more expensive than 67.50% of the companies in the same industry.
TSU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.28 | ||
| Fwd PE | 12.13 |
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 62.50% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, TSU is valued expensively inside the industry as 90.00% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.39 | ||
| EV/EBITDA | 9.94 |
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)1.39
PEG (5Y)0.16
EPS Next 2Y11.56%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TSU does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:TSU (5/2/2025, 7:00:00 PM)
37.33
-0.51 (-1.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners38.4%
Inst Owner ChangeN/A
Ins Owners3.37%
Ins Owner ChangeN/A
Market Cap1.78B
Analysts80
Price Target52.66 (41.07%)
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)2
Avg EPS beat(2)10.76%
Min EPS beat(2)0.49%
Max EPS beat(2)21.03%
EPS beat(4)3
Avg EPS beat(4)5.65%
Min EPS beat(4)-1.84%
Max EPS beat(4)21.03%
EPS beat(8)7
Avg EPS beat(8)9.52%
EPS beat(12)11
Avg EPS beat(12)13.9%
EPS beat(16)14
Avg EPS beat(16)17.12%
Revenue beat(2)2
Avg Revenue beat(2)7.44%
Min Revenue beat(2)7.03%
Max Revenue beat(2)7.86%
Revenue beat(4)3
Avg Revenue beat(4)7.42%
Min Revenue beat(4)-3.76%
Max Revenue beat(4)18.55%
Revenue beat(8)7
Avg Revenue beat(8)11%
Revenue beat(12)11
Avg Revenue beat(12)44.4%
Revenue beat(16)15
Avg Revenue beat(16)39.66%
PT rev (1m)0.13%
PT rev (3m)-9.61%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)-4.13%
EPS NY rev (1m)0.32%
EPS NY rev (3m)-0.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)2.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.28 | ||
| Fwd PE | 12.13 | ||
| P/S | 0.61 | ||
| P/FCF | 15.39 | ||
| P/OCF | 14.9 | ||
| P/B | 2.27 | ||
| P/tB | 2.27 | ||
| EV/EBITDA | 9.94 |
EPS(TTM)2.81
EY7.53%
EPS(NY)3.08
Fwd EY8.25%
FCF(TTM)2.43
FCFY6.5%
OCF(TTM)2.51
OCFY6.71%
SpS61.64
BVpS16.44
TBVpS16.43
PEG (NY)1.39
PEG (5Y)0.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.59% | ||
| ROE | 15.14% | ||
| ROCE | 3.63% | ||
| ROIC | 2.7% | ||
| ROICexc | 2.87% | ||
| ROICexgc | 8.45% | ||
| OM | 5.57% | ||
| PM (TTM) | 4.04% | ||
| GM | N/A | ||
| FCFM | 3.94% |
ROA(3y)1.82%
ROA(5y)2.1%
ROE(3y)10.53%
ROE(5y)11.97%
ROIC(3y)1.96%
ROIC(5y)1.8%
ROICexc(3y)2.22%
ROICexc(5y)2.08%
ROICexgc(3y)6.85%
ROICexgc(5y)4.96%
ROCE(3y)2.63%
ROCE(5y)2.41%
ROICexcg growth 3Y37.59%
ROICexcg growth 5YN/A
ROICexc growth 3Y-3.72%
ROICexc growth 5YN/A
OM growth 3Y-34.19%
OM growth 5YN/A
PM growth 3Y-40.11%
PM growth 5Y-0.59%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.64
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.93 | ||
| Debt/EBITDA | 0.51 | ||
| Cap/Depr | 267.43% | ||
| Cap/Sales | 0.13% | ||
| Interest Coverage | 62.14 | ||
| Cash Conversion | 72.35% | ||
| Profit Quality | 97.46% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | 1.11 |
F-Score7
WACC7.36%
ROIC/WACC0.37
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)18.07%
EPS 3Y22.46%
EPS 5Y80.91%
EPS Q2Q%46.3%
EPS Next Y9.54%
EPS Next 2Y11.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.97%
Revenue growth 3Y106.83%
Revenue growth 5Y89.6%
Sales Q2Q%34.07%
Revenue Next Year12.21%
Revenue Next 2Y12.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y78.44%
EBIT growth 3Y36.12%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-54.94%
FCF growth 3Y-27.44%
FCF growth 5Y15.97%
OCF growth 1Y-53.58%
OCF growth 3Y-26.93%
OCF growth 5Y15.45%