# Trisura Group Ltd. (TSU.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Insurance. Price C$41.90, market value C$2.0 billion.

## Valuation
- **P/E (trailing): 13.0×** (5-yr avg 31.7×, 3-yr avg 18.1×). Trisura Group Ltd. trades at 13.0× trailing earnings, well below its own five-year average of 31.7×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.61**. A PEG of 0.61 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.6×**. Each dollar of revenue is priced at 0.6×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 2.0×**. The shares trade at 2.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 14.8%** (5-yr avg 12.6%). Free cash flow equals 14.8% of the market value, in line with its five-year average of 12.6%. Above 5% is generally attractive.
- **Earnings yield: 7.7%**. The inverse of the P/E: 7.7% of the price is earned each year.

## Profitability
- **Net margin: 16.4%**. 16.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.4%**. 15.4% on shareholders' equity is solid.
- **Return on assets: 3.1%**. Each dollar of assets produces 3.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 11.4%** (3-yr 18.6%/yr, 5-yr 30.8%/yr). Revenue grew 11.4% over the last year, against 30.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 19.6%** (3-yr 66.9%/yr, 5-yr 29.0%/yr). Earnings per share rose 19.6%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 36.4%/yr**. Free cash flow has compounded at 36.4% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 8/9**. 8 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: C$1.8 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Trisura Group Ltd. does not currently pay a dividend, but it returned 0.9% of its market value through buybacks over the last year.

## Price and momentum
- **Total return (1 yr): 3.7%** (YTD -1.9%, 3-mo -0.9%). The shares are up 3.7% over twelve months including dividends.
- **From 52-week high: -17.8%** (16.3% above the low). Trading 18% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.55** (volatility 29%). Beta of 0.55 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TSU.TO · Page: https://foliofundamentals.com/stocks/tsu.to

Not investment advice.