TRISURA GROUP LTD (TSU.CA) Stock Fundamental Analysis
TSX:TSU - Toronto Stock Exchange - CA89679A2092 - Common Stock - Currency: CAD
TSU gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. TSU has a medium profitability rating, but doesn't score so well on its financial health evaluation. TSU is valued quite expensively, but it does show have an excellent growth rating.
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.
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
TSU has a better Return On Assets (2.43%) than 74.39% of its industry peers.
Looking at the Return On Equity, with a value of 13.60%, TSU belongs to the top of the industry, outperforming 86.59% of the companies in the same industry.
TSU has a Return On Invested Capital of 2.56%. This is in the better half of the industry: TSU outperforms 71.95% 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 2.73%.
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
Looking at the Profit Margin, with a value of 3.79%, TSU is doing worse than 92.68% of the companies in the same industry.
In the last couple of years the Profit Margin of TSU has remained more or less at the same level.
With a Operating Margin value of 5.31%, TSU is not doing good in the industry: 96.34% of the companies in the same industry are doing better.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TSU is destroying value.
TSU has more shares outstanding than it did 1 year ago.
The number of shares outstanding for TSU has been increased compared to 5 years ago.
TSU has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.13, we must say that TSU is in the distress zone and has some risk of bankruptcy.
TSU's Altman-Z score of 1.13 is amongst the best of the industry. TSU outperforms 96.34% 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.
TSU has a worse Debt to FCF ratio (92.42) than 98.78% of its industry peers.
TSU has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of TSU (0.10) is better than 91.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 92.42 | ||
| Altman-Z | 1.13 |
ROIC/WACC0.34
WACC7.48%
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.
The Current ratio of TSU (0.04) is comparable to the rest of the 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.
Looking at the Quick ratio, with a value of 0.04, TSU is in line with its industry, 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.
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%.
TSU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 89.61% yearly.
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.
Based on estimates for the next years, TSU will show a quite strong growth in Revenue. The Revenue will grow by 10.13% on average per year.
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.
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 14.19, which indicates a correct valuation of TSU.
Compared to the rest of the industry, the Price/Earnings ratio of TSU indicates a rather expensive valuation: TSU more expensive than 91.46% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.43. TSU is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 11.48, the valuation of TSU can be described as very reasonable.
TSU's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TSU is more expensive than 67.07% of the companies in the same industry.
TSU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.17, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.19 | ||
| Fwd PE | 11.48 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TSU is valued a bit cheaper than the industry average as 60.98% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, TSU is valued more expensive than 98.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1649.5 | ||
| EV/EBITDA | 11.36 |
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)1.49
PEG (5Y)0.18
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 (6/4/2025, 7:00:00 PM)
40.15
-0.27 (-0.67%)
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 Cap1.92B
Analysts80
Price Target53.55 (33.37%)
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)1.69%
PT rev (3m)2.44%
EPS NQ rev (1m)1.84%
EPS NQ rev (3m)-0.9%
EPS NY rev (1m)0%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.4%
Revenue NY rev (3m)-3.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.19 | ||
| Fwd PE | 11.48 | ||
| P/S | 0.65 | ||
| P/FCF | 1649.5 | ||
| P/OCF | 352.84 | ||
| P/B | 2.34 | ||
| P/tB | 2.34 | ||
| EV/EBITDA | 11.36 |
EPS(TTM)2.83
EY7.05%
EPS(NY)3.5
Fwd EY8.71%
FCF(TTM)0.02
FCFY0.06%
OCF(TTM)0.11
OCFY0.28%
SpS61.56
BVpS17.16
TBVpS17.16
PEG (NY)1.49
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 | 1.13 |
F-Score7
WACC7.48%
ROIC/WACC0.34
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%