TSX/MA (TSX/MA)

Toronto Stock Exchange: TSX/MA · CAD

CA$36.8

+0.15 (+0.4%)· Recorded snapshot

Market cap	753.4B
Revenue (ttm)	49.8B
Net income (ttm)	23.1B
EPS (ttm)	CA$25.5
P/E (trailing)	1.4x
P/E (forward)	28.9x
Dividend	CA$0.21 (0.57%)
Volume	8,409

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 49.8B
Net income (ttm): 23.1B
EPS (ttm): CA$25.5
P/E (trailing): 1.4x
P/E (forward): 28.9x
Market cap: 753.4B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E28.9

P25 n/aP50 n/aP75 n/a

Trailing P/E1.4

P25 n/aP50 n/aP75 n/a

ROE241.2

P25 n/aP50 n/aP75 n/a

ROIC93.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All TSX/MA indicators

Market & fundamental data

Available fields

240

Groups with data

Currency

USD

Showing 240 of 240 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	CAD
Country	Canada
Country code	CA
Earnings date	2026-10-29
Employees	39,800
Employees change	4,500
Employees growth	12.75%
Enterprise value	CAD 771.5B
Exchange	Toronto Stock Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1966
Industry	Credit Services
Is primary listing	No
ISIN number	CA57637G1054
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Market cap	CAD 753.4B
Next earnings date	2026-10-29
Price	CAD 36.81
Price currency	CAD
Sector	Financials
SIC code	7389
Stock price date	2026-10-28
Symbol	tsx/MA

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	37.32x
Average P/E ratio (3Y)	34.86x
Average P/E ratio (5Y)	35.19x
Earnings yield	69.35%
EV/Earnings	33.29x
EV/EBIT	26.05x
EV/EBITDA	24.64x
EV/FCF	32.4x
EV/Sales	15.6x
FCF / EV yield	3.09%
FCF yield	3.16%
Forward P/E	28.94x
Graham number	3.15726
Graham upside	-91.43%
Lynch fair value	CAD 20.08
Lynch upside	-45.49%
P/(FCF - SBC) ratio	32.85x
P/(OCF - SBC) ratio	31.41x
P/B ratio	94.25x
P/E ratio	1.44x
P/FCF ratio	31.64x
P/OCF ratio	30.3x
P/S ratio	15.06x
Price/EBITDA ratio	23.8x
Sector forward P/E	15.29x
Sector P/E	18.2x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	59.88%
EBITDA margin	63.28%
Effective tax rate	19.41%
FCF margin	48.16%
Gross margin	100%
Operating margin	59.88%
Pretax margin	57.5%
Profit margin	46.34%
Profit per employee	CAD 580,064
Profitable quarters	71
Profitable years	17
Revenue per employee	CAD 1.3M
ROA	24.06%
ROA (5Y)	21.52%
ROCE	64.26%
ROE	241.2%
ROE (5Y)	167.33%
ROIC	93.78%
ROIC (5Y)	83.68%
SBC / revenue	1.75%
Tax / revenue	11.16%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	22.61%
EPS growth (Q)	22.11%
EPS growth (QoQ)	14.25%
EPS growth 10Y	18.22%
EPS growth 3Y	19.45%
EPS growth 5Y	20.36%
EPS growth quarters	13
EPS growth years	5
FCF growth	0.91%
FCF growth (Q)	-23.69%
FCF growth (QoQ)	22.39%
FCF growth 3Y	14.45%
FCF growth 5Y	17.83%
Gross profit growth	16.01%
Gross profit growth (Q)	14.07%
Gross profit growth 3Y	14.14%
Gross profit growth 5Y	16.09%
Net income growth	19.66%
Net income growth (Q)	18.56%
Net income growth (QoQ)	13.03%
Net income growth 3Y	16.7%
Net income growth 5Y	17.72%
Net income growth quarters	13
Net income growth years	5
OCF growth	2.86%
OCF growth (Q)	-18.03%
OCF growth (QoQ)	25.81%
OCF growth 10Y	14.69%
OCF growth 3Y	14.64%
OCF growth 5Y	17.95%
Operating income growth	18.27%
Operating income growth (Q)	16.33%
Operating income growth 3Y	15.94%
Operating income growth 5Y	18.95%
Revenue growth	16.01%
Revenue growth (Q)	14.07%
Revenue growth (QoQ)	10.47%
Revenue growth 10Y	13.16%
Revenue growth 3Y	14.14%
Revenue growth 5Y	16.09%
Revenue growth quarters	22
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	CAD -1B
Depreciation and amortization	CAD 1.7B
EBIT	CAD 29.8B
EBITDA	CAD 31.5B
EPS	CAD 25.53
Financing cash flow	CAD -18.8B
Free cash flow	CAD 23.7B
Free cash flow minus SBC	CAD 22.8B
Gross profit	CAD 49.8B
Income taxes	CAD 5.6B
Investing cash flow	CAD -2.4B
Net borrowing	CAD 8B
Net cash flow	CAD 3.4B
Net income	CAD 23.1B
Operating cash flow minus SBC	CAD 23.9B
Operating income	CAD 29.8B
Revenue	CAD 49.8B
Stock-based compensation	CAD 873.4M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	9.65
Book value per share	CAD 9.08
Debt / EBITDA	1.11
Debt / equity	4.4
Debt / FCF	1.48
Goodwill	CAD 13.3B
Interest coverage	28.08
Long-term assets	CAD 44.7B
Long-term liabilities	CAD 38.9B
Net cash (debt)	CAD -18.3B
Net cash / market cap	-2.44%
Net debt / EBITDA	0.58
Net debt / equity	2.3
Net debt / FCF	0.77
Piotroski F-Score	4
Property, plant and equipment	CAD 3.6B
Shareholders' equity	CAD 8B
Tangible book value	CAD -13.3B
Tangible book value per share	CAD -15.14
Total assets	CAD 81.9B
Total cash	CAD 16.5B
Total debt	CAD 35B
Total liabilities	CAD 74B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.64
Current assets	CAD 37.2B
Current liabilities	CAD 35.1B
Current ratio	1.06
Net working capital	CAD -10.8B
Quick ratio	0.67
Working capital	CAD 2.2B
Working capital turnover	21.53

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	2.35%
Dividend growth	10.77%
Dividend growth years	1
Dividend payment date	2026-11-17
Dividend payment years	3
Dividend payout frequency	Quarterly
Dividend per share	CAD 0.21
Dividend yield	0.57%
Ex-dividend date	2026-10-09
Last dividend	CAD 0.05
Payout ratio	17.96%
Shareholder yield	2.91%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	CAD 32.56
1D price change	0.41%
1M price change	7.61%
1M total return	7.77%
1W price change	-1.45%
1W total return	-1.45%
1Y price change	4.58%
1Y return CAGR	5.24%
1Y total return	5.24%
20-day SMA	CAD 35.84
200-day SMA	CAD 32.42
3M price change	10.35%
3M total return	10.52%
3Y price change	58.51%
3Y return CAGR	17.22%
3Y total return	61.1%
50-day SMA	CAD 35.19
50-day SMA vs 200-day SMA	50over200
52-week high	CAD 38.06
52-week high date	2026-10-22
52-week low	CAD 28.22
52-week low date	2026-06-03
6M price change	19.37%
6M total return	19.75%
All-time high	CAD 38.06
All-time high date	2026-10-22
All-time low	CAD 18.18
All-time low date	2022-10-13
Average true range (ATR)	CAD 0.54
Average volume	15.9K
Change from 52-week high	-3.28%
Change from 52-week low	30.44%
Change from all-time high	-3.34%
Change from all-time low	102.37%
Change from open	0.46%
Day's gap	-0.05%
Dollar volume	CAD 309,535
High price	CAD 36.93
Low price	CAD 36.56
Monthly RSI	60.92
Open price	CAD 36.64
Position in 52-week range	67.57%
Previous close	CAD 36.66
Price vs 150-day SMA	13.01%
Price vs 20-day SMA	2.65%
Price vs 200-day SMA	13.49%
Price vs 50-day SMA	4.53%
Relative volume	0.53
RSI	59.96
Sharpe ratio	0.14
Sharpe ratio (3Y)	0.52
Sortino ratio	0.46
Sortino ratio (3Y)	1.01
Volume	8.4K
Weekly RSI	63.29
YTD price change	5.2%
YTD total return	5.87%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	868.3M
Shares change (QoQ)	-1.12%
Shares change (YoY)	-2.35%
Shares held by insiders	0.03%
Shares held by institutions	89.33%
Short ratio	2.4 days

Deeper analysis on TSX/MA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this TSX/MA report

Is a complete TSX/MA research report available?

No complete published report is available for tsx/MA (TSX/MA) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

TSX/MA (TSX/MA)

Price

Financial snapshot

Fair-value bridge

Latest news · TSX/MA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All TSX/MA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TSX/MA

Frequently asked questions