Co-operators General Insurance Company
CCS_PC.TO operates in the property and casualty insurance industry, providing insurance products and services to customers, generating revenue primarily through premium income and investment returns.
Business. CCS_PC.TO is a property and casualty insurance company operating within the Financials sector. The firm generates revenue through a premium-income model, focusing on underwriting activities typical of the insurance industry. Specific details regarding operating segments and geographic presence are not available. The company is primarily listed on the Toronto Stock Exchange (TSX).
At a glance
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
CCS_PC.TO is a property and casualty insurance company operating within the Financials sector. The firm generates revenue through a premium-income model, focusing on underwriting activities typical of the insurance industry. Specific details regarding operating segments and geographic presence are not available. The company is primarily listed on the Toronto Stock Exchange (TSX).
CCS_PC.TO maintains a strong liquidity position, with CAD 650.08 million in cash and equivalents, representing 21.5% of total assets. The company's liquidity FPT (free cash flow to total liabilities) is robust, with free cash flow of CAD 175.79 million and total liabilities of CAD 6.196 billion, indicating a liquidity buffer of 2.84%. The debt-to-equity ratio is 0.01, significantly below the industry median, suggesting a conservative capital structure.
Profitability metrics show a return on equity (ROE) of 22.23% and a return on assets (ROA) of 7.28%, both exceeding the industry median for property and casualty insurers. These figures indicate strong underwriting discipline and asset management efficiency. The company's operating income of CAD 868.53 million and net income of CAD 671.16 million further support its profitability.
Geographic and segment exposure is not explicitly detailed in the available data, but the company's revenue concentration is not disclosed. Given the nature of the insurance industry, it is likely that CCS_PC.TO operates across multiple regions and lines of business, though the exact distribution is not available in the current dataset.
The company's growth trajectory is supported by a strong operating cash flow of CAD 1.078 billion and a free cash flow of CAD 175.79 million. While no specific revenue growth rates are provided, the positive cash flow generation suggests the company is in a position to fund expansion or return capital to shareholders. The capital expenditure of CAD -6.91 million indicates minimal investment in physical assets, consistent with the insurance industry's capital-light model.
Risk factors for CCS_PC.TO are currently low, with no immediate filing-based liquidity or dilution flags detected. The company's low debt-to-equity ratio and strong cash reserves reduce financial risk exposure. Additionally, the dilution potential is low, with no near-term pressure from share issuance or convertible instruments.
Recent events, including filings and transcripts, do not indicate any material changes in the company's operations or strategic direction. The absence of significant regulatory or market disruptions suggests a stable operating environment for the company.
- CCS_PC.TO has a strong liquidity position with CAD 650.08 million in cash and equivalents.
- The company's ROE of 22.23% and ROA of 7.28% exceed industry medians, indicating strong profitability.
- A debt-to-equity ratio of 0.01 suggests a conservative capital structure with low financial risk.
- Free cash flow of CAD 175.79 million supports potential for capital returns or reinvestment.
- No immediate liquidity or dilution risks are flagged, and the company's risk profile is currently low.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
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Peer comparison
Market position
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Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- No immediate filing-based liquidity or dilution flags were detected.
Benchmarks vs cohort
Corporate actions / M&A
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- CCS_PC.TO Market data — financials · 2026-05-27
Ownership & reference
Leadership
- Rob WesselingPresident, Chief Executive Officer