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TFI International

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FY2022 Annual Report · TFI International
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2022 ANNUAL REPORT

 
 
 
MANAGEMENT’S DISCUSSION AND ANALYSIS  
CONSOLIDATED FINANCIAL STATEMENTS 

FOR THE FOURTH QUARTER AND YEAR ENDED DECEMBER 31, 2022 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Management’s Discussion and Analysis 

GENERAL INFORMATION 

The following is TFI International Inc.’s management discussion and analysis (“MD&A”). Throughout this MD&A, the terms “Company”, “TFI International” 

and “TFI” shall mean TFI International Inc., and shall include its independent operating subsidiaries. This MD&A provides a comparison of the Company’s 

performance for its three-month period and year ended December 31, 2022 with the corresponding three-month period and year ended December 31, 

2021 and it reviews the Company’s financial position as of December 31, 2022. It also includes a discussion of the Company’s affairs up to February 22, 

2023, which is the date of this MD&A. The MD&A should be read in conjunction with the audited consolidated financial statements and accompanying 

notes as at and for the year ended December 31, 2022. 

In this document, all financial data are prepared in accordance with the International Financial Reporting Standards (“IFRS”) as issued by the International 

Accounting Standards Board (“IASB”) unless otherwise noted. All amounts are in United States dollars (U.S. dollars), and the term “dollar”, as well as the 

symbol “$”,  designate U.S. dollars unless otherwise  indicated. Variances may exist  as  numbers  have been  rounded. This MD&A also uses  non-IFRS 

financial measures. Refer to the section of this report entitled “Non-IFRS Financial Measures” for a complete description of these measures. 

The  Company’s  audited  consolidated  financial  statements  have  been  approved  by  its  Board  of  Directors  (“Board”)  upon  recommendation  of  its  audit 

committee on February 22, 2023. Prospective data, comments and analysis are also provided wherever appropriate to assist existing and new investors 

to see the business from a corporate management point of view. Such disclosure is subject to reasonable constraints for maintaining the confidentiality of 

certain information that, if published, would probably have an adverse impact on the competitive position of the Company. 

Additional information relating to the Company can be found on its website at www.tfiintl.com. The Company’s continuous disclosure materials, including 

its annual and quarterly MD&A, annual and quarterly consolidated financial statements, annual report, annual information form, management proxy circular 

and the various press releases issued by the Company are also available on its website, or directly through the SEDAR system at www.sedar.com, or 

through the EDGAR system at www.sec.gov/edgar.html.  

FORWARD-LOOKING STATEMENTS 

The  Company  may  make  statements  in  this  report  that  reflect  its  current  expectations  regarding  future  results  of  operations,  performance  and 

achievements. These are  “forward-looking” statements  and  reflect management’s current  beliefs.  They  are based  on information currently  available  to 

management. Words such as “may”, “might”, “expect”, “intend”, “estimate”, “anticipate”, “plan”, “foresee”, “believe”, “to its knowledge”, “could”, “design”, 

“forecast”, “goal”, “hope”, “intend”, “likely”, “predict”, “project”, “seek”, “should”, “target”, “will”, “would” or “continue” and words and expressions of similar 

import are intended to identify these forward-looking statements. Such forward-looking statements are subject to certain risks and uncertainties that could 

cause actual results to differ materially from historical results and those presently anticipated or projected. 

The Company wishes to caution readers not to place undue reliance on any forward-looking statements which reference issues only as of the date made. 

The following important factors could cause the Company’s actual financial performance to differ materially from that expressed in any forward-looking 

statement:  the  highly  competitive  market  conditions,  the  Company’s  ability  to  recruit,  train  and  retain  qualified  drivers,  fuel  price  variations  and  the 

Company’s ability to recover these costs from its customers, foreign currency fluctuations, the impact of environmental standards and regulations, changes 

in governmental regulations applicable to the Company’s operations, adverse weather conditions, accidents, the market for used equipment, changes in 

interest  rates, cost  of  liability  insurance  coverage,  downturns  in  general  economic conditions  affecting  the  Company  and  its  customers,  credit  market 

liquidity, and the Company’s ability to identify, negotiate, consummate and successfully integrate business acquisitions.  

The foregoing list should not be construed as exhaustive, and the Company disclaims any subsequent obligation to revise or update any previously made 

forward-looking statements unless required to do so by applicable securities laws. Unanticipated events are likely to occur. Readers should also refer to 

the section “Risks and Uncertainties” at the end of this MD&A for additional information on risk factors and other events that are not within the Company’s 

control. The Company’s future financial and operating results may fluctuate as a result of these and other risk factors. 

2022 Annual Report│2  

SELECTED FINANCIAL DATA AND HIGHLIGHTS 

(unaudited) 
(in thousands of U.S. dollars, except per share data) 

Three months ended

December 31  
2020  

2021  

2022  

2022  

Revenue before fuel surcharge 
Fuel surcharge 
Total revenue 
Adjusted EBITDA1 
Operating income 
Net income 
Adjusted net income1 
Net cash from operating activities 
Free cash flow1 
Per share data 

EPS – diluted 
Adjusted EPS – diluted1 
Dividends 

As a percentage of revenue before fuel surcharge 

Adjusted EBITDA margin1 
Depreciation of property and equipment 
Depreciation of right-of-use assets 
Amortization of intangible assets 
Operating margin1 
Adjusted operating ratio1 

Management’s Discussion and Analysis 

    1,616,495 
    340,199 
    1,956,694 
    304,956 
    216,860 
    153,494 
    151,759 
    248,348 
    188,273 

    1,888,423 
    252,491 
    2,140,914 
    318,466 
    214,979 
    144,139 
    148,620 
    190,333 
    120,749 

    1,048,147 
73,859 
    1,122,006 
    193,538 
    117,122 
86,328 
93,357 
    164,928 
    134,715 

    7,357,064 
    1,455,427 
    8,812,491 
    1,425,024 
    1,146,038 
    823,232 
    731,668 
    971,645 
    880,892 

Years ended
December 31
2020
    3,484,303 
    296,831 
    3,781,134 
    699,589 
    416,567 
    275,675 
    299,763 
    610,862 
    544,644 

2021*
    6,468,785 
    751,644 
    7,220,429 
    1,076,479 
    979,229 
    754,405 
    498,348 
    855,351 
    700,889 

1.74 
1.72 
0.35 

18.9%    
3.5%    
2.0%    
0.8%    
13.4%    
87.4%   

1.52 
1.57 
0.27 

16.9%    
3.5%    
1.7%    
0.7%    
11.4%    
89.0%   

0.91 
0.98 
0.23 

18.5%   
4.2%   
2.1%   
1.3%   
11.2%   
89.1%  

9.02 
8.02 
1.16 

19.4%   
3.4%   
1.7%   
0.8%   
15.6%   
86.5%  

7.91 
5.23 
0.96 

16.6%    
3.5%    
1.7%    
0.9%    
15.1%    
89.4%    

3.03 
3.30 
0.80 

20.1% 
4.9% 
2.3% 
1.4% 
12.0% 
88.5% 

* Recasted for adjustments to provisional amounts of UPS Freight prior year business combination. 

Q4 Highlights 

 

 

 

 

 

 

 

Fourth quarter operating income of $216.9 million increased 1% from $215.0 million the same quarter last year, benefiting from contributions from 

acquisitions made over the past year and strong execution across the organization including an asset-light approach and cost reductions.  

Net income of $153.5 million increased 6% compared to $144.1 million in Q4 2021. Diluted earnings per share (diluted “EPS”) of $1.74 increased 

14% compared to $1.52 in Q4 2021. 

Adjusted net income1, a non-IFRS measure, of $151.8 million increased 2% compared to $148.6 million in Q4 2021.  
Adjusted diluted EPS1, a non-IFRS measure, of $1.72 increased 10% compared to $1.57 in Q4 2021. 

Net cash from operating activities of $248.3 million increased 30% compared to $190.3 million in Q4 2021. 

Free cash flow1, a non-IFRS measure, of $188.3 million increased 56% compared to $120.7 million in Q4 2021.  

The Company’s reportable segments performed as follows: 

o 

o 

o 

o 

Package and Courier operating income increased 2% to $37.6 million; 

Less-Than-Truckload operating income decreased 15% to $88.2 million; 

Truckload operating income increased 16% to $71.8 million; and 

Logistics operating income increased 4% to $34.2 million.  

 

During the fourth quarter the Company repurchased and canceled 901,467 shares for $83.5 million. 

  On December 15, 2022, the Board of Directors of TFI declared a quarterly dividend of $0.35 per share paid on January 16, 2023, a 30% increase 

over the quarterly dividend of $0.27 per share dividend declared in Q4 2021. 

 

During the quarter, TFI International acquired Quévrac Ltee, Boutin and T-Lane Transportation, and subsequent to quarter end acquired selected 

assets of Stallion Express, LLC and the Axsun Group which will operate in the Logistics segment and D.M. Breton Inc., that will operate in the TL 

segment.  

1 This is a non-IFRS measure. For a reconciliation, please refer to the “Non-IFRS financial measures” section below.

2022 Annual Report│3  

 
 
 
 
 
   
   
   
 
 
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
 
 
 
 
 
 
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
Management’s Discussion and Analysis 

ABOUT TFI INTERNATIONAL 

Services 

TFI  International  is  a  North  American  leader  in  the  transportation  and  logistics  industry,  operating  across  the  United  States  and  Canada  through  its 

subsidiaries.  TFI  International  creates  value  for  shareholders  by  identifying  strategic  acquisitions  and  managing  a  growing  network  of  wholly-owned 

operating subsidiaries. Under the TFI International umbrella, companies benefit from financial and operational resources to build their businesses and 

increase their efficiency. TFI International companies service the following reportable segments: 

1.  Package and Courier ("P&C"); 

2.  Less-Than-Truckload (“LTL”); 

3.  Truckload (“TL”); 

4. 

Logistics. 

Seasonality of operations 

The activities conducted by the Company are subject to general demand for freight transportation. Historically, demand has been relatively stable with the 

first quarter generally the weakest. Furthermore, during the harsh winter months, fuel consumption and maintenance costs tend to rise. 

Human resources 

As at December 31, 2022, the Company had 25,836 employees in TFI International’s various business segments across North America. This compares 

to  29,539 employees  as  at December 31,  2021. The year-over-year decrease of 3,703 is attributable  to a decrease  of  2,865 due to the  sale  of  CFI's 

Truckload, Temp Control and Mexican non-asset logistic business (collectively referred to as "CFI"), rationalizations of 2,135 mainly in the LTL segment, 

offset by an increase from business acquisitions of 1,297 employees . The Company believes that it has a relatively low turnover rate among its employees 

in Canada, and a normal turnover rate in the U.S. comparable to other U.S. carriers, and that its employee relations are very good. 

Equipment 

The Company believes it has the largest trucking fleet in Canada and a significant presence in the U.S. market. As at December 31, 2022, the Company 

had  11,442  tractors,  38,091  trailers  and  6,905  independent  contractors.  This  compares  to  13,384  tractors,  50,091  trailers  and  7,524  independent 
contractors1 as at December 31, 2021. 

Facilities 

TFI International’s head office is in Montréal, Québec and its executive office is in Etobicoke, Ontario. As at December 31, 2022, the Company had 544 

facilities,  as compared to  576 facilities  as  at December 31, 2021. Of these, 249 are  located in Canada, including  165  and 84 in Eastern and  Western 

Canada,  respectively.  The  Company  also  had  295  facilities  in  the  United  States.  In  the  last  twelve  months,  30  facilities  were  added  from  business 

acquisitions, 23 were removed through the disposal of business and terminal consolidation decreased the total number of facilities by 39, mainly in the TL 

segment. In Q4 2022, the Company closed 15 sites. 

1 Disclosure updated to reflect only owner operators who were active within the quarter presented.  

2022 Annual Report│4  

 
 
 
 
 
 
 
 
 
 
 
Customers 

The Company has a diverse customer base across a broad cross-section of industries with no single client accounting for more than 5% of consolidated 

revenue. Because of its customer diversity, as well as the wide geographic scope of the Company’s service offerings and the range of segments in which 

it operates, a downturn in the activities of an individual customer or customers in a particular industry would not be expected to have a material adverse 

impact on operations. The Company has forged strategic partnerships with other transport companies in order to extend its service offerings to customers 

Management’s Discussion and Analysis 

across North America. 

Retail 
Manufactured Goods 
Automotive 
Building Materials 
Metals & Mining 
Food & Beverage 
Services 
Chemicals & Explosives 
Forest Products 
Energy 
Maritime Containers 
Others 

Revenue by Top Customers' Industry 
(46% of total revenue) 

28% 
18% 
12% 
8% 
7% 
7% 
6% 
4% 
3% 
3% 
1% 
3% 

(For the year ended December 31, 2022)

2022 Annual Report│5  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CONSOLIDATED RESULTS 

This  section  provides  general  comments  on  the  consolidated  results  of  operations.  A  more  detailed  analysis  is  provided  in  the  “Segmented  Results” 

Management’s Discussion and Analysis 

section. 

2022 business acquisitions 

In line with its growth strategy, the Company acquired eleven businesses during 2022. 

On March 19, 2022, TFI International acquired Unity Courier Services, Inc. (“Unity”). Unity is a California-based provider of regularly scheduled same-day 

service and short-term delivery solutions for the US west coast.  

On  May  27,  2022 TFI  International  acquired  South  Shore  Transportation  Company,  Inc.  (“South Shore”).  Based  out  of  Sandusky,  Ohio  South  Shore, 

provides flatbed truckload services to the building products segment in the U.S. Midwest.  

On June 10, 2022, TFI International acquired selected assets of Premium Ventures Inc (“Premium”). Premium specializes in oversized and overweight 

freight in Ontario, Canada.   

On June 17, 2022, TFI International acquired selected assets of Cedar Creek Express, LLC and DDW Transportation, LLC (collectively referred to as 

“Cedar Creek”). Cedar Creek operates in the U.S. Midwest and provides food grade tank services. 

On July 3, 2022, TFI International acquired selected assets of Transport St-Amour (referred to as “St-Amour”). St-Amour operates in Quebec and provides 

food grade tank services. 

On July 10, 2022, TFI International acquired HO-RO Trucking Company, Inc (referred to as “HO-RO”). HO-RO operates in the North eastern United States  

and provides flatbed services primarily focusing on delivery of building materials. 

On August 28, 2022, TFI International acquired Transport St-Michel Inc., Remorquage St-Michel Inc., and Location Dion Inc., (collectively referred to as 

“Transport St-Michel”). Based out of Quebec, Transport St-Michel provides a full range of transportation services including flatbed and specialized tank 

deliveries. 

On September 30, 2022, TFI International acquired selected assets of the subsidiaries of LLL Holdings, Inc. (collectively referred to as “Girton”). Girton 

operates in the U.S. Midwest and specializes in the transportation of liquid commodities. 

On October 2, 2022, TFI International acquired Quevrac Ltee ("Quevrac"). Quevrac provides dry bulk transportation, principally cement, in Quebec and 

Ontario.  

On October 30, 2022, TFI International acquired selected assets of Groupe Boutin Inc., V. Boutin Express Inc., Frontenac Express Inc., Transport Jean 

Beaudry Inc., and Transnat Express Inc. (collectively "Boutin"). Boutin operates in eastern Canada and specializes in truckload and dedicated truckload 

transportation.  

On November 20, 2022, TFI international acquired 0806434 B.C. Ltd, OTM Express Trucking & Logistics 2013 Ltd., 2234360 Alberta Ltd., and 557317 

B.C. Ltd. (collectively referred to as "T-Lane"). T-Lane operates in the specialized truckload segment using an asset light model and serving Canada and 

the United States markets.  

Revenue 

For the three months ended December 31, 2022, total revenue was $1,956.7 million, down 9%, or $184.2 million, from Q4 2021. The decrease was mainly 

attributable to the sale of CFI which had sales of $139.2 million in Q4 2021 and a decrease of $102.3 million from existing operations due to a reduction 

of volumes, offset by contributions from business acquisitions of $57.3 million.  

For the year ended December 31, 2022, total revenue was $8.81 billion, up 22%, or $1.59 billion, from 2021. The increase was mainly attributable to the 

contribution from business acquisitions of $1.44 billion and to an increase of $155.5 million from existing operations, which included an increase in fuel 

surcharge revenue of $482.0 million, partially offset with the sale of CFI which decreased total revenues by $177.2 million.  

Operating expenses  

For the three months ended December 31, 2022, the Company’s operating expenses decreased by $186.1 million, to $1,739.8 million, down from $1,925.9 

million in Q4 2021. The decrease is in-line with the decrease in revenues from the existing operations, the sale of CFI and from an additional $9.3 million 

gain on the sale of assets held for sale, partially offset by an increase of $49.6 million from business acquisitions. 

For the three months ended December 31, 2022, material and services expenses, net of fuel surcharge, decreased by 2.4 percentage points of revenue 

before fuel surcharge compared to the same period last year due mainly to the impact to an increase in the fuel surcharge.   

2022 Annual Report│6  

Management’s Discussion and Analysis 

For the three months ended December 31, 2022, personnel expense decreased 14% to $514.6 million from $598.6 million in Q4 2021. The decrease is 

in-line with the revenue before fuel surcharge as management responded to the reduction of volume with a corresponding adjustment of personnel costs. 

This decrease is offset by an increase from business acquisitions of $20.2 million.  

Other operating expenses, which are primarily comprised of costs related to office and terminal rent, taxes, heating, telecommunications, maintenance 

and security and other general administrative expenses, decreased by $13.4 million for the three months ended December 31, 2022 as compared to the 

same period last year, attributable primarily to a reduction in external personnel costs of $4.0 million and from a reduction in repair and maintenance costs 

of $4.7 million primarily from the LTL segment.   

For the year ended December 31, 2022, the Company’s operating expenses increased by $1.43 billion from $6.24 billion in 2021 to $7.67 billion in 2022. 

The increase is mainly attributable to $1.32 billion from business acquisitions and also from $283.6 million from the prior year bargain purchase gain offset 

by reductions to the operating expenses from the gain on the sale of CFI of $73.7 million, additional gains on the sale of assets held for sale of $65.7 

million and from additional sales of property and equipment of $31.1 million. The operating expenses from existing operations as a percentage of total 

revenue decreased from 86.4% to 86.0%. 

Operating income  

For the three months ended December 31, 2022, TFI International’s operating income rose by $1.9 million to $216.9 million as compared to $215.0 million 

in the same quarter in 2021, which included contributions of $7.7 million from business acquisitions and excluded the contribution from CFI of $12.6 million 

from Q4 2021. The operating margin as a percentage of revenue before fuel surcharge was 13.4% compared to 11.4% in Q4 2021. 

For the year ended December 31, 2022, TFI International’s operating income rose by $166.8 million to $1,146.0 million as compared to $979.2 million in 

2021. The increase is primarily attributable to the increase in revenues and margins during the year in addition to the impact from business acquisitions of 

$115.1 million, the gain on the sale of CFI of $73.7 million, and the increase in gain on assets held for sale of $65.7 million offset by a $283.6 million 

bargain purchase gain recognized in 2021 as well as contributions from CFI in 2021 of $17.5 million.  The operating margin as a percentage of revenue 

before fuel surcharge of 15.6% increased compared to 15.1% in the prior year.  

Finance income and costs 
(unaudited) 
(in thousands of U.S. dollars) 
Finance costs (income) 
Interest expense on long-term debt 
Interest expense on lease liabilities 
Interest income and accretion on promissory note 
Net change in fair value and accretion expense of contingent considerations 
Net foreign exchange (gain) loss 
Net impact of early repayment of contingent consideration 
Others 
Net finance costs 

Interest expense on long-term debt 

Three months ended
December 31 
2021 
12,393  
3,403  
(1,573) 
1,571  
(939) 
— 
6,586  
21,441  

2022 
11,809  
3,413  
(1,075) 
90  
(564) 
— 
3,290  
16,963  

Years ended
December 31
2021
45,953 
13,521 
(2,187)
1,932 
(1,471)
(1,469)
16,739 
73,018 

2022 
52,230  
13,264  
(1,750) 
216  
556  
— 
15,881  
80,397  

Interest expense on  long-term debt  for the three-month period ended December 31,  2022  was  $0.6 million  less than the  same  quarter last year. The 

decrease resulted from a decrease to the average debt level, based on the month-end debt levels, of $1.32 billion for Q4 2022 compared to an average 

debt level of $1.58 billion in Q4 2021 which was offset by an increase in the average interest rate on the debt which had increased from 3.15% in Q4 2021 

to 3.53% in the current quarter. 

For the year ended December 31, 2022 the interest expense was $6.3 million higher than the prior year. The increase resulted from an increase to the 

average debt level, based on the month-end debt levels, of $1.56 billion for 2022 compared to an average debt level of $1.46 billion in 2021 as well as an 

increase in the average interest rate on the debt which had increased from 3.18% in 2021 to 3.35% in 2022.   

Net foreign exchange gain or loss and net investment hedge 

The Company designates as a hedge a portion of its U.S. dollar denominated debt held against its net investments in U.S. operations. This accounting 

treatment allows the Company to offset the designated portion of foreign exchange gain (or loss) of its debt against the foreign exchange loss (or gain) of 

its net investments in U.S. operations and present them in other comprehensive income. Net foreign exchange gains or losses recorded in income or loss 

are  attributable to  the translation of the U.S. dollar portion  of the Company’s credit facilities not designated  as  a hedge  and  to the translation of other 

financial assets and liabilities denominated in currencies other than the functional currency. For the three-month period ended December 31, 2022, a gain 

of $19.7 million of foreign exchange variations (a gain of $20.2 million net of tax) was recorded to other comprehensive income as it relates to the translation 

of the debt in the net investment hedge. For the three-month period ended December 31, 2021, a gain of $1.8 million of foreign exchange variations (a 

gain of $1.5 million net of tax) was recorded to other comprehensive income as it relates to the translation of the debt in the net investment hedge. 

2022 Annual Report│7  

 
 
 
 
 
 
 
 
 
 
 
For the year ended December 31, 2022, a loss of $76.1 million of foreign exchange variations (a loss of $72.0 million net of tax) was recorded to other 

comprehensive income as it relates to the translation of the debt in the net investment hedge. For the year ended December 31, 2021, a loss of $17.9 

million of foreign exchange variations (a loss of $15.5 million net of tax) was recorded to other comprehensive income as it relates to the translation of the 

Management’s Discussion and Analysis 

debt in the net investment hedge. 

Other Financial Expenses 

For the three-month period ended December 31, 2022, other financial expenses decreased from $6.6 million in the prior year period to $3.3 million. For 

the year ended December 31, 2022, other financial expenses decreased $0.9 million to $15.9 million as compared to $16.7 million in the prior year. The 

other financial expenses are primarily recurring bank charges and transaction fees.   

Income tax expense 

For the three months ended December 31, 2022, the Company’s effective tax rate was 23.2%. The income tax expense of $46.4 million reflects a $6.6 

million favorable variance versus an anticipated income tax expense of $53.0 million based on the Company’s statutory tax rate of 26.5%. The favorable 

variance is mainly due to favorable variations from tax deductions and tax exempt income of $6.8 million.  

For the year ended December 31, 2022, the Company’s effective tax rate was 22.7%. The income tax expense of $242.4 million reflects a $40.0 million 

favorable variance versus an anticipated income tax expense of $282.4 million based on the Company’s statutory tax rate of 26.5%. The favorable variance 

is mainly due to the tax deductions and tax exempt income of $40.2 million, primarily from the sale of CFI.  

Net income and adjusted net income 
(unaudited)  
(in thousands of U.S. dollars, except per share data) 

2022 
153,494 
13,969 

Three months ended
December 31 
2020 
86,328 
13,786 

2021*  
144,139  
13,128  

Net income 
Amortization of intangible assets related to business acquisitions 
Net change in fair value and accretion expense of contingent 
   considerations 
Net foreign exchange (gain) loss 
(Gain) loss on sale of business and direct attributable costs 
Bargain purchase gain 
Gain on sale of land and buildings and assets held for sale 
(Gain) loss on disposal of intangible assets 
Tax impact of adjustments 
Adjusted net income1 
Adjusted EPS – basic1 
Adjusted EPS – diluted1 
* Recasted for adjustments to provisional amounts of UPS Freight prior year business combination. 

90 
(564) 
2,069 
— 
(15,941) 
— 
(1,358) 
151,759 
1.75 
1.72 

1,571  
(939)  
—  
—  
(6,638)  
(5)  
(2,636)  
148,620  
1.60  
1.57  

141 
373 
(306) 
— 
(2,206) 
— 
(3,199) 
93,357 
1.00 
0.98 

Years ended
December 31
2020
275,675
47,623

224
(1,237)
(306)
(4,008)
(11,893)
—
(10,278)
299,763
3.36
3.30

2021* 
754,405 
50,498 

1,932 
(1,471) 
— 
(283,593) 
(11,978) 
1 
(11,446) 
498,348 
5.36 
5.23 

2022 
823,232 
52,003 

216 
556 
(69,753) 
— 
(77,870) 
— 
3,284 
731,668 
8.19 
8.02 

For  the  three  months  ended  December  31,  2022,  TFI  International’s  net  income  was  $153.5  million  as  compared  to  $144.1  million  in  Q4  2021.  The 

Company’s adjusted net income1, a non-IFRS measure, which excludes items listed in the above table, was $151.8 million as compared to $148.6 million 

in Q4 2021, an increase of 2% or $3.2 million. Adjusted EPS, fully diluted, increased by $0.15 to $1.72 from $1.57 in Q4 2021.  

For the year ended December 31, 2022, TFI International’s net income was $823.2 million as compared to $754.4 million in 2021, which included a bargain 

purchase gain on the acquisition of UPS Freight of $283.6 million. The Company’s adjusted net income1, a non-IFRS measure, which excludes items listed 

in the above table, was $731.7 million as compared to $498.3 million in 2021, an increase of 47% or $233.3 million. Adjusted EPS, fully diluted, increased 

by $2.79 to $8.02 from $5.23 in 2021.  

1 This is a non-IFRS. For the reconciliation, refer to the “Non-IFRS financial measures” section below. 

2022 Annual Report│8  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SEGMENTED RESULTS 

To facilitate the comparison of business level activity and operating costs between periods, the Company compares the revenue before fuel surcharge 

(“revenue”) and reallocates the fuel surcharge revenue to materials and services expenses within operating expenses. Note that “Total revenue” is not 

Management’s Discussion and Analysis 

affected by this reallocation. 

Selected segmented financial information 
(unaudited) 
(in thousands of U.S. dollars) 

Three months ended December 31, 2022 
Revenue before fuel surcharge1 
% of total revenue2 
Adjusted EBITDA3 
Adjusted EBITDA margin3,4 
Operating income (loss) 
Operating margin3,4 
Total assets less intangible assets3 
Net capital expenditures3 
Three months ended December 31, 2021 
Revenue before fuel surcharge1 
% of total revenue2 
Adjusted EBITDA3 
Adjusted EBITDA margin3,4 
Operating income (loss) 
Operating margin3,4 
Total assets less intangible assets3 
Net capital expenditures3 
YTD December 31, 2022 
Revenue before fuel surcharge1 
% of total revenue2 
Adjusted EBITDA3 
Adjusted EBITDA margin3,4 
Operating income (loss) 
Operating margin3,4 
Total assets less intangible assets3 
Net capital expenditures3 
YTD December 31, 2021 
Revenue before fuel surcharge1 
% of total revenue2 
Adjusted EBITDA3 
Adjusted EBITDA margin3,4 
Operating income (loss) 
Operating margin3,4 
Total assets less intangible assets3 
Net capital expenditures3 

Package
 and
 Courier 

Less-
Than-
Truckload* 

Truckload 

Logistics 

Corporate 

Eliminations 

Total

129,074  
9% 
43,935  
34.0% 
37,563  
29.1% 
182,605  
6,045  

150,074  
8% 
43,496  
29.0% 
36,713  
24.5% 
186,116 
5,926  

498,972  
7% 
160,838  
32.2% 
134,306  
26.9% 
182,605  
10,636  

560,147  
9% 
134,845  
24.1% 
108,440  
19.4% 
186,116  
14,445  

720,783  
46% 
126,307  
17.5% 
88,240  
12.2% 
2,107,874  
57,273  

822,911  
44% 
141,189  
17.2% 
103,449  
12.6% 
2,162,534 
46,986  

3,243,557  
45% 
567,759  
17.5% 
470,807  
14.5% 
2,107,874  
132,814  

2,440,640  
39% 
415,641  
17.0% 
572,798  
23.5% 
2,162,534  
52,703  

403,351  
25% 
104,007  
25.8% 
71,842  
17.8% 
1,085,629  
14,248  

506,432  
27% 
111,848  
22.1% 
61,803  
12.2% 
1,362,007 
15,113  

1,986,331  
28% 
557,058  
28.0% 
366,868  
18.5% 
1,085,629  
31,658  

1,901,157  
30% 
431,181  
22.7% 
230,189  
12.1% 
1,362,007  
69,177  

375,968  
20% 
43,473  
11.6% 
34,204  
9.1% 
263,017  
131  

427,561  
20% 
42,465  
9.9% 
32,869  
7.7% 
292,026 
192  

1,689,122  
20% 
178,690  
10.6% 
140,446  
8.3% 
263,017  
676  

1,620,926  
23% 
169,005  
10.4% 
142,794  
8.8% 
292,026  
316  

— 

(12,681) 

(12,766) 

(14,989) 

274,595  
58  

— 

— 

— 
— 

— 

(18,555) 

(20,532) 

(19,855) 

88,059 
20  

— 

— 

— 

— 

(60,918) 

(39,321) 

33,611  

274,595  
170  

— 

— 

— 
— 

— 

(54,085) 

(74,193) 

(74,992) 

88,059  
141  

— 

— 

— 
— 

1,616,495 
100%
304,956 
18.9%
216,860 
13.4%
3,913,720 
77,755 

1,888,423 
100%
318,466 
16.9%
214,979 
11.4%
4,090,742 
68,237 

7,357,064 
100%
1,425,024 
19.4%
1,146,038 
15.6%
3,913,720 
175,954 

6,468,785 
100%
1,076,479 
16.6%
979,229 
15.1%
4,090,742 
136,782 

* Recasted for adjustments to provisional amounts for UPS Freight prior year business combination. 
1 Includes intersegment revenue. 
2 Segment revenue including fuel surcharge and intersegment revenue to consolidated revenue including fuel surcharge and intersegment revenue. 
3 This is a non-IFRS measures. For a reconciliation, refer to the “Non-IFRS financial measures” section below. 
4 As a percentage of revenue before fuel surcharge. 

2022 Annual Report│9  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Management’s Discussion and Analysis 

Three months ended December 31 
%  

Years ended December 31
%
% 

% 

2022 
172,381  
(43,307) 
129,074  

Package and Courier 
(unaudited) 
(in thousands of U.S. dollars) 
Total revenue 
Fuel surcharge 
Revenue 
Materials and services expenses (net of fuel 
   surcharge) 
Personnel expenses 
Other operating expenses 
Depreciation of property and equipment 
Depreciation of right-of-use assets 
Amortization of intangible assets 
Gain on sale of rolling stock and equipment 
(Gain) loss on derecognition of right-of-use assets 
Loss on disposal of intangible assets 
Operating income 
Adjusted EBITDA1 
Return on invested capital1 
1 This is a non-IFRS measure. For a reconciliation, refer to the “Non-IFRS financial measures” section below. 

33.1% 
27.8% 
5.2% 
2.4% 
2.4% 
0.1% 
-0.1% 
- 
- 
29.1% 
34.0% 
32.5% 

42,784  
35,877  
6,667  
3,080  
3,135  
157  
(189) 
- 
- 
37,563  
43,935  

60,636  
39,060  
6,905  
3,297  
3,300  
186  
(23)  

2021  
177,368  
(27,294)  
150,074  

36,713  
43,496  

100.0% 

-    
-    

2022 
650,844  
(151,872) 
498,972  

167,725  
144,650  
26,845  
12,863  
13,024  
645  
(1,087) 
1  
- 
134,306  
160,838  

100.0%  

40.4%  
26.0%  
4.6%  
2.2%  
2.2%  
0.1%  
-0.0%  
-  
-  
24.5%  
29.0%  
25.3%    

2021  
641,449  
(81,302)  
560,147  

243,786  
154,820  
26,762  
12,392  
13,109  
903  
(59)  
(7)  
1  
108,440  
134,845  

100.0% 

33.6% 
29.0% 
5.4% 
2.6% 
2.6% 
0.1% 
-0.2% 
0.0% 
- 
26.9% 
32.2% 

100.0%

43.5%
27.6%
4.8%
2.2%
2.3%
0.2%
-0.0%
-0.0%
0.0%
19.4%
24.1%

Operational data 
(unaudited) 
(Revenue in U.S. dollars) 
Revenue per pound (including fuel) 
Revenue per pound (excluding fuel) 
Revenue per package (excluding fuel) 
Tonnage (in thousands of metric tons) 
Packages (in thousands) 
Average weight per package (in lbs.) 
Vehicle count, average 
Weekly revenue per vehicle (incl. fuel, in thousands of U.S. dollars) 

2022 
$0.47 
$0.35 
$5.59 
167  
23,107  
15.93  
1,028  
$12.90 

Three months ended December 31 
Variance  
%  
9.3%  
$0.04  
-2.8%  
$(0.01)  
-8.5%  
$(0.52)  
-10.7%  
(20)  
-6.0%  
(1,474)  
-5.0%  
(0.84)  
-9.7%  
(111)  
7.7%  
$0.92  

2021 
$0.43 
$0.36 
$6.11 
187  
24,581  
16.77  
1,139  
$11.98 

2022 
$0.48 
$0.37 
$5.88 
614  
84,915  
15.94  
1,046  
$11.97 

Years ended December 31
%
9.1%
-5.1%
-5.3%
-6.4%
-5.9%
-0.6%
-2.2%
3.7%

2021   Variance 
$0.44 
$0.39 
$6.21 
656  
90,257  
16.03  
1,069  
$11.54 

$0.04  
$(0.02)  
$(0.33)  
(42)  
(5,342)  
(0.09)  
(23)  
$0.43  

Revenue 

For the three months ended December 31, 2022, revenue of $129.1 million compared to $150.1 million in Q4 2021. This decrease is mostly attributable 

to  a  6.0%  decrease  in  packages combined  with  an  8.5%  decrease  in  revenue  per  package  (excluding  fuel  surcharge).  The  decrease  in  revenue  per 

package is attributable to a decrease of 2.8% in revenue per pound (excluding fuel surcharge) and a 5.0% decrease in the average weight per package. 

The decrease in packages is attributable to a decline in market demand, primarily in business-to-consumer deliveries. 

For the year ended December 31, 2022, revenue of $499.0 million compared to $560.1 million in 2021. This decrease is attributable to a 5.3% decrease 

in revenue per package combined with a 5.9% decrease in packages related primarily to softness in the business-to-consumer market.  

Operating expenses 

For the three months ended December 31, 2022, materials and services expenses, net of fuel surcharge revenue, decreased $17.9 million, or 29.4%, 

mostly due to an increase of $16.0 million in fuel surcharge revenue combined with a $1.0 million reduction in tires and rolling stock maintenance and 

repairs expenses. Personnel expenses decreased by $3.2 million, or 8.1%, as management responded to a decrease in volumes.  

For the year ended December 31, 2022, materials and services expenses, net of fuel surcharge revenue, decreased $76.1 million, or 31.2%, mostly due 

to a $70.6 million increase in fuel surcharge revenue combined with a decrease of $6.3 million in sub-contracted P&D costs driven by lower volumes. This 

was  partially  offset  by  a  $5.1  million  increase  in  linehaul  purchases  mainly  due  to  higher  fuel  surcharge  paid  to  linehaul  sub-contractors.  Personnel 

expenses, specifically direct labor, decreased by $10.2 million, or 6.6%, primarily due to a decrease in volumes.  

Operating income 

Operating  income  for  the  three  months  ended  December  31,  2022,  increased  by  $0.9  million,  or  2.4%,  compared  to  the  fourth  quarter  of  2021.  The 

operating margin of 29.1% in the fourth quarter of 2022 was an improvement compared to 24.4% for the same period in 2021.  

For the year ended December 31, 2022, operating income increased by $25.9 million, from $108.4 million in 2021 to $134.3 million in 2022 driven by 

consistent focus on improving the quality of freight and the efficiency of the network. 

The return on invested capital increased 720 basis points, from 25.3% in the trailing twelve months ended December 31, 2021, to 32.5% in the twelve 

months ended December 31, 2022. The operating margin was 26.9% in 2022 compared to 19.4% in 2021.  

2022 Annual Report│10  

 
 
 
 
  
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Less-Than-Truckload 
(unaudited) 
(in thousands of U.S. dollars) 
Total revenue 
Fuel surcharge 
Revenue 
Materials and services expenses (net of fuel 
   surcharge) 
Personnel expenses 
Other operating expenses 
Depreciation of property and equipment 
Depreciation of right-of-use assets 
Amortization of intangible assets 
Bargain Purchase Gain 
Gain on sale of rolling stock and equipment 
Gain on derecognition of right-of-use assets 
(Gain) loss on sale of land and buildings and assets 

held for sale 

Management’s Discussion and Analysis 

Three months ended December 31 
% 

% 

Years ended December 31
%

2022 
903,713 
(182,930) 
720,783 

226,839 
311,248 
58,050 
26,374 
9,641 
2,065 
- 
(1,601) 
(60) 

(13) 
88,240 
126,307 

2021 
959,546 
(136,635) 
822,911 

274,166 
348,237 
60,196 
25,846 
9,398 
2,495 
- 
(842) 
(35) 

1 
103,449 
141,189 

100.0% 

31.5% 
43.2% 
8.1% 
3.7% 
1.3% 
0.3% 
- 
-0.2% 
-0.0% 

-0.0% 
12.2% 
17.5% 

2022 
4,023,163 
(779,606) 
3,243,557 

1,003,662 
1,432,857 
243,347 
104,850 
38,985 
8,831 
- 
(4,056) 
(12) 

(55,714) 
470,807 
567,759 

% 

100.0% 

30.9% 
44.2% 
7.5% 
3.2% 
1.2% 
0.3% 
- 
-0.1% 
-0.0% 

-1.7% 
14.5% 
17.5% 

2021* 
2,815,390 
(374,750) 
2,440,640 

848,273 
1,022,214 
155,992 
73,242 
33,050 
9,768 
(271,593) 
(907) 
(573) 

(1,624) 
572,798 
415,641 

100.0% 

33.3% 
42.3% 
7.3% 
3.1% 
1.1% 
0.3% 
- 
-0.1% 
-0.0% 

0.0% 
12.6% 
17.2% 

100.0%

34.8%
41.9%
6.4%
3.0%
1.4%
0.4%
-11.1%
-0.0%
-0.0%

-0.1%
23.5%
17.0%

Operating income 
Adjusted EBITDA1 
* Recasted for adjustments to provisional amounts for UPS Freight prior year business combination 
1 This is a non-IFRS measure. For a reconciliation, refer to the “Non-IFRS financial measures” section below. 

Operational data 
(unaudited) 
(Revenue in U.S. dollars) 

U.S. LTL 

Revenue (in thousands of dollars)1 
Adjusted Operating Ratio2 
Revenue per hundredweight (excluding fuel)1 
Revenue per shipment (excluding fuel)1 
Revenue per hundredweight (including fuel)1 
Revenue per shipment (including fuel)1 
Tonnage (in thousands of tons)1 
Shipments (in thousands)1 
Average weight per shipment (in lbs)1 
Average length of haul (in miles)1 
Vehicle count, average4 
Return on invested capital2,3 

Canadian LTL 

Revenue (in thousands of dollars) 
Adjusted Operating Ratio2 
Revenue per hundredweight (excluding fuel) 
Revenue per shipment (excluding fuel) 
Revenue per hundredweight (including fuel)1 
Revenue per shipment (including fuel)1 
Tonnage (in thousands of tons) 
Shipments (in thousands) 
Average weight per shipment (in lbs) 
Average length of haul (in miles) 
Vehicle count, average 
Return on invested capital2 

2022 

475,389 
90.4% 
$30.05 
$322.74 
$39.04 
$419.26 
791 
1,473 
1,074 
1,092 
4,410 
18.8% 

123,176 
75.3% 
$10.84 
$235.97 
$14.46 
$314.61 
568 
522 
2,176 
734 
808 
24.0% 

Three months ended December 31 
%  

Variance  

2021 

568,761 
89.4% 
$29.20 
$310.97 
$34.76 
$371.17 
974 
1,829 
1,065 
1,110 
4,583 
- 

144,697 
78.3% 
$11.13 
$223.30 
$13.33 
$267.43 
650 
648 
2,006 
791 
810 
17.8% 

(93,372)  

-16.4%  

$0.85  
$11.77  
$4.28  
$48.09  
(183)  
(356)  
9  
(18)  
(173)  

2.9%  
3.8%  
12.3%  
13.3%  
-18.8%  
-19.5%  
0.8%  
-1.6%  
-3.8%  

(21,521)  

-14.9%  

$(0.29)  
$12.67  
$1.13  
$47.18  
(82)  
(126)  
170  
(57)  
(2)  

-2.6%  
5.7%  
8.5%  
17.6%  
-12.6%  
-19.4%  
8.5%  
-7.2%  
-0.2%  

2022 

2,186,668 
89.9% 
$29.67 
$320.20 
$38.03 
$410.38 
3,685 
6,829 
1,079 
1,101 
4,685 

548,012 
74.0% 
$11.26 
$241.95 
$14.65 
$314.88 
2,434 
2,265 
2,149 
748 
800 

Years ended December 31
%

2021   Variance 

1,586,228 
90.1% 
$28.52 
$299.91 
$33.57 
$353.06 
2,781 
5,289 
1,052 
1,089 
4,866 

556,891 
79.9% 
$10.80 
$222.40 
$12.62 
$260.01 
2,579 
2,504 
2,060 
773 
837 

600,440  

37.9%

$1.15  
$20.29  
$4.46  
$57.32  
904  
1,540  
27  
12  
(181)  

4.0%
6.8%
13.3%
16.2%
32.5%
29.1%
2.6%
1.1%
-3.7%

(8,879)  

-1.6%

$0.46  
$19.55  
$2.03  
$54.87  
(145)  
(239)  
89  
(25)  
(37)  

4.3%
8.8%
16.1%
21.1%
-5.6%
-9.5%
4.3%
-3.2%
-4.4%

1  Operational statistics exclude figures from Ground Freight Pricing (“GFP”). 
2  This is a non-IFRS measure. For a reconciliation please refer to the “Non-IFRS and Other Financial Measures” section below. 
3  The Return on invested capital for the U.S. LTL is not disclosed as the trailing twelve-month information is not available for fiscal 2021, as it was acquired on April 30, 2021. 
4  The vehicle count average for the year ended December 31, 2021 was adjusted to calculate the average since the acquisition of UPS Freight on April 30, 2021. As at December 31, 2022 the active 
vehicle count was 4,046. 

Revenue 

For the three months ended December 31, 2022, revenue decreased by $102.1 million to $720.8 million. This decrease was mainly due to a 16.4%, or 

$93.4 million reduction coming from the Company's U.S. LTL operations, combined with a 14.9%, or $21.5 million reduction in the Canadian LTL operation, 

but partially offset by a 13.1% or $14.6 million increase in revenue coming from Ground with Freight Pricing (GFP).  The reduction in U.S. LTL revenue 

was the result of a 19.5% decrease in shipment count partially offset by a 3.8% increase in revenue per shipment (excluding fuel) when compared to the 

fourth quarter of 2021.  The decrease was primarily driven by the Company's intentional elimination of unprofitable freight combined with softer volumes 

due to a weaker end market. The Canadian LTL operation revenue decrease was caused by a 19.4% decrease in shipment count, partially offset by a 

5.7% increase in revenue  per shipment (excluding  fuel).   The  increase  in  Canadian LTL  revenue  per shipment  was the  result  of an 8.5% increase in 

average weight per shipment, partially offset by a 2.6% decrease in revenue per hundredweight (before fuel).  The increase in GFP revenue is mostly 

coming from an impressive 11.6% increase in shipments delivered. 

For the year ended December 31, 2022, revenue increased $802.9 million to $3,243.6 million.  The increase is mainly attributable to business acquisitions 

contributions in the U.S. LTL of $933.3 million. The revenue from existing operations increased $21.5 million, or 4%, compared to the prior year. 

Operating expenses 

For the three months ended December 31, 2022, materials and services expenses, net of fuel surcharge revenue, decreased $47.3 million, or 17.3%, 

attributable to $46.3 million higher fuel surcharge revenue, combined with a $12.1 million reduction in sub-contractor costs and partially offset by an $8.2 

2022 Annual Report│11  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
  
  
 
 
 
 
 
 
  
  
  
 
 
 
 
 
 
 
 
 
 
  
  
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
  
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Management’s Discussion and Analysis 

million increase in fuel cost and a $8.4 million increase in accidents and claims expense. Personnel expenses decreased $37.0 million, mostly from U.S. 

LTL operations  and caused  by the  reduction  of  volume in the  quarter, but partially offset  by an increase  in administrative salaries  as the  Company is 

progressively creating back-office related jobs in order to exit the Transition Service Agreement with UPS.  Other operating expenses decreased $2.1 

million, mostly from $5.6 million lower building repairs and maintenance cost combined with $1.3 million lower professional fees but offset by a $4.6 million 

increase in IT related expenses as the Company had IT costs in the quarter related to the implementation of a new accounting system, again in order to 

expedite the exit of our Transition Service Agreement with UPS. 

For the year ended December 31, 2022, materials and services expenses, net of fuel surcharge revenue, increased by $155.4 million, with $284.7 million 

attributable to business acquisitions. Materials and services expenses from existing operations decreased $129.3 million, or 15.2%, mostly due to a $217.2 

million increase in fuel surcharge revenue, partially offset by a $47.1 million increase in sub-contractor costs and a $42.3 million increase in fuel cost.  

Personnel expenses from existing operations decreased $42.0 million, or 4.1%, mostly attributable to a reduction in Direct labor cost following the drop in 

volume.  Other operating expenses from existing operations increased $18.2 million when compared to the same period in 2021, $18.1 million coming 

from bad debt expenses and higher IT costs. 

Operating income 

Operating income for the three months ended December 31, 2022, decreased by $15.2 million to $88.2 million, mostly from U.S. LTL operations.   Adjusted 

operating ratio, a non-IFRS measure, of Canadian LTL operations improved to 75.3% in the fourth quarter of 2022 as compared to 78.3% in the same 

quarter in 2021.  U.S. LTL operations achieved a 90.4% adjusted operating ratio, a non-IFRS measure, in the fourth quarter of 2022, compared to 89.4% 

in the fourth quarter of 2021, the increase being mostly attributable to lower volume and higher administrative expenses to implement back-office services 

while still paying UPS for the Transition Service Agreement.   

For the year ended December 31, 2022, operating income of $470.8 million compared to $572.8 million in 2021. U.S. LTL operations operating income 

decreased $131.3 million, due to a bargain purchase gain of $271.6 million recognized in the prior year, partially offset by a $92.6 million increase from 

business  acquisitions  and  a  $55.1  million  increase  in  the  gain  on  asset  held  for  sale.  Canadian  LTL  operating  income  increased  $29.3  million  when 

compared to the prior year. 

The return on invested capital, a non-IFRS measure, of the Company's Canadian based LTL segment was 24.0% in the fourth quarter of 2022, a 620-

basis  point  increase from  17.8%  for  the  12  months  ended  December  31,  2021.  The increase  is  mostly  related  to materially  higher  operating  income, 

combined with slightly lower invested capital. Return on invested capital of the U.S. LTL operations was 22.8% in the fourth quarter of 2022.   

2022 Annual Report│12  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Management’s Discussion and Analysis 

2022 
502,784  
(99,433) 
403,351  

174,305  
115,449  
13,709  
26,695  
15,730  
5,699  
(3,981) 
(138) 

(15,959) 
- 
71,842  
104,007  

Truckload 
(unaudited) 
(in thousands of U.S. dollars) 
Total revenue 
Fuel surcharge 
Revenue 
Materials and services expenses (net of fuel 
   surcharge) 
Personnel expenses 
Other operating expenses 
Depreciation of property and equipment 
Depreciation of right-of-use assets 
Amortization of intangible assets 
Gain on sale of rolling stock and equipment 
Gain on derecognition of right-of-use assets 
Gain on sale of land and buildings and assets 

held for sale 

Gain on disposal of intangible assets 
Operating income 
Adjusted EBITDA1 

Operational data 
(unaudited) 
Specialized TL2 

Revenue (in thousands of U.S. dollars) 
Adjusted operating ratio1 
Tractor count, average 
Trailer count, average 
Tractor age 
Trailer age 
Number of owner operators, average 
Return on invested capital1 

Canadian based Conventional TL 

Revenue (in thousands of U.S. dollars) 
Adjusted operating ratio1 
Total mileage (in thousands) 
Tractor count, average 
Trailer count, average 
Tractor age 
Trailer age 
Number of owner operators, average 
Return on invested capital1 

Three months ended December 31 
% 

% 

Years ended December 31
%

2021 
584,009  
(77,577) 
506,432  

221,538  
160,351  
19,193  
35,652  
15,087  
5,960  
(6,338) 
(160) 

(6,649) 
(5) 
61,803  
111,848  

2022 
2,451,038  
(464,707) 
1,986,331  

% 

100.0% 

2021 
2,162,752  
(261,595) 
1,901,157  

821,442  
585,891  
76,612  
129,013  
59,473  
23,944  
(54,481) 
(191) 

(22,240) 
- 
366,868  
557,058  

41.4% 
29.5% 
3.9% 
6.5% 
3.0% 
1.2% 
-2.7% 
-0.0% 

-1.1% 
- 
18.5% 
28.0% 

823,645  
604,041  
66,468  
137,301  
52,680  
21,580  
(23,747) 
(431) 

(10,569) 
- 
230,189  
431,181  

100.0% 

43.7% 
31.7% 
3.8% 
7.0% 
3.0% 
1.2% 
-1.3% 
-0.0% 

-1.3% 
-0.0% 
12.2% 
22.1% 

100.0% 

43.2% 
28.6% 
3.4% 
6.6% 
3.9% 
1.4% 
-1.0% 
-0.0% 

-4.0% 
- 
17.8% 
25.8% 

100.0%

43.3%
31.8%
3.5%
7.2%
2.8%
1.1%
-1.2%
-0.0%

-0.6%
-
12.1%
22.7%

2022 

325,493  
87.4% 
3,839  
11,004  
3.6  
11.5  
1,193  
13.4% 

79,101  
81.1% 
24,498  
858  
3,636  
3.5  
7.3  
254  
21.3% 

Three months ended December 31 
%  

Variance  

2021 

328,648  
89.6% 
3,845  
11,302  
3.4  
10.5  
1,201  
9.2% 

73,786  
88.4% 
26,467  
728  
3,401  
4.1  
7.5  
324  
10.9% 

(3,154)  

(7)  
(298)  
0.2  
1.0  
(8)  

-1.0%  

-0.2%  
-2.6%  
5.5%  
9.8%  
-0.7%  

5,315  

7.2%  

(1,969)  
130  
235  
(0.6)  
(0.2)  
(70)  

-7.4%  
17.9%  
6.9%  
-13.7%  
-2.5%  
-21.7%  

2022 

1,362,390  
83.1% 
3,641  
10,833  
3.6  
11.5  
1,126  

322,553  
78.7% 
93,923  
741  
3,456  
3.5  
7.3  
269  

Years ended December 31
%

2021   Variance 

1,233,791  
88.7% 
3,722  
10,912  
3.4  
10.5  
1,217  

250,177  
87.9% 
92,236  
640  
2,884  
4.1  
7.5  
306  

128,599  

10.4%

(81)  
(79)  
0.2  
1.0  
(91)  

-2.2%
-0.7%
5.5%
9.8%
-7.5%

72,376  

28.9%

1,687  
102  
572  
(0.6)  
(0.2)  
(37)  

1.8%
15.9%
19.8%
-13.7%
-2.5%
-12.0%

1 This is a non-IFRS measure. For a reconciliation, please refer to the “Non-IFRS Financial Measures” section below. 
2 Recasted comparative figures for change in operating segments of the dedicated operations from US Conventional Truckload as a result of the sale of business of CFI. 

During Q4 2022, Quevrac and Boutin were acquired and incorporated into the Truckload segment. 

Revenue 

For  the  three  months  ended  December  31,  2022,  revenue  decreased  by  $103.1  million,  or  20%,  from  $506.4  million  in  Q4  2021  to  $403.4  million. 

Contributing primarily to this decrease was the impact on revenue from the sale of CFI of $113.8 million and a decrease in revenue from existing operations 

of $29.5 million, partially offset by contributions from business acquisitions of $40.3 million. For Specialized TL, revenue decreased by $3.2 million, or 

1.0%, compared to the prior year period, primarily due to an organic decline of $34.4 million, partially offset by contributions from business acquisitions of 

$31.3 million. For Canadian based conventional TL operations, revenue increased by $5.3 million, or 7.2%, compared to the same prior year period. The 

increase was mainly due to a 5.7% improvement in revenue per tractor, driven by a 20.7% improvement in revenue per mile, partially offset by a 12.4% 

decline in miles per tractor. 

For the year ended December 31, 2022, TL revenue increased by $85.2 million, or 4%, from $1,901.2 million in 2021 to $1,986.3 million in 2022. This 

increase is mainly due to contributions from business acquisitions of $227.6 million, partially offset by the impact on revenue from the sale of CFI of $150.9 

million.  

Operating expenses 

For the three months ended December 31, 2022, operating expenses, net of fuel surcharge, decreased by $113.1 million or 25%, from $444.6 million in 

2021 to $331.5 million in 2022. This is mainly due to a decrease in operating expenses of $86.6 million following the sale of CFI and a decrease in operating 

expenses, net of fuel surcharge, from existing truckload operations of $59.8 million, partially offset by an increase of $33.3 million in operating expenses, 

net of fuel surcharge, from business acquisitions. 

For the year ended December 31, 2022, TL operating expenses, net of fuel surcharge, decreased by $51.5 million or 3%, from $1,671.0 million in 2021 to 

$1,619.5 million in 2022. This is primarily due to a decrease in operating expenses of $91.3 million following the sale of CFI, an increase in gain on sale 

of property and equipment of $42.2 million, and a decrease in operating expenses, net of fuel surcharge, from existing truckload operations, partially offset 

by an increase of $209.2 million in operating expenses, net of fuel surcharge, from business acquisition. 

2022 Annual Report│13  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
  
  
 
 
  
 
 
  
  
  
 
 
 
 
 
 
  
  
 
 
 
 
 
 
 
 
 
 
  
  
 
 
  
 
 
  
  
  
 
 
 
 
 
 
 
  
  
 
 
  
Management’s Discussion and Analysis 

Operating income 

For the three months ended December 31, 2022, operating income for the TL segment was $71.8 million for the three months ended December 31, 2022, 

up 16% from $61.8 million in the fourth quarter of 2021. Contributions to operating income from business acquisitions were $7.0 million and excluded the 

contribution from CFI of $12.6 million from Q4 2021. 

For the year ended December 31, 2022, operating income in the TL segment increased by $136.7 million, or 59%, from $230.2 million in 2021 to $366.9 

million in 2022. The increase was primarily organic, in addition to gains on sale of rolling stock and equipment of $42.2 million and, contributions from 

business acquisitions of $18.5 million and excluded the contribution from CFI of $17.5 million.  

Return on invested capital, a non-IFRS measure, for the Specialized TL segment increased to 13.4% as compared to 9.2% in the same prior year period 

due primarily to an increase in operating income. The return on invested capital, a non-IFRS measure, for Canadian based Conventional TL was 21.3%, 

up from 10.9% for the same prior year period, reflecting an increase in operating income.  

Three months ended December 31 
%  

Years ended December 31
%
% 

% 

2022 
394,071  
(18,103) 
375,968  

Logistics  
(unaudited) 
(in thousands of U.S. dollars) 
Total revenue 
Fuel surcharge 
Revenue 
Materials and services expenses (net of fuel 
   surcharge) 
Personnel expenses 
Other operating expenses 
Depreciation of property and equipment 
Depreciation of right-of-use assets 
Amortization of intangible assets 
Bargain purchase gain 
(Gain) loss on sale of rolling stock and equipment 
-    
Gain on derecognition of right-of-use assets 
3  
Loss on sale of land and building 
32,869  
Operating income 
Adjusted EBITDA1 
42,465  
Return on invested capital1 
19.9%  
1 This is a non-IFRS measure. For a reconciliation, refer to the “Non-IFRS financial measures” section below. 

269,625  
35,770  
27,107  
333  
3,644  
5,292  
- 
(7) 
- 
- 
34,204  
43,473  
21.9% 

71.7% 
9.5% 
7.2% 
0.1% 
1.0% 
1.4% 
- 
-0.0% 
- 
- 
9.1% 
11.6% 

323,164  
29,419  
32,443  
375  
3,442  
5,776  

2021  
441,086  
(13,525)  
427,561  

100.0% 

70  

-    

2022 
1,763,280  
(74,158) 
1,689,122  

1,232,049  
143,505  
134,923  
1,460  
14,794  
21,990  
- 
(37) 
(8) 
- 
140,446  
178,690  

2021 
1,662,072  
(41,146) 
1,620,926  

1,223,846  
116,523  
111,742  
1,581  
13,943  
22,684  
(12,000) 
70  
(260) 
3  
142,794  
169,005  

100.0% 

72.9% 
8.5% 
8.0% 
0.1% 
0.9% 
1.3% 
- 
-0.0% 
-0.0% 
- 
8.3% 
10.6% 

100.0%  

75.6%  
6.9%  
7.6%  
0.1%  
0.8%  
1.4%  
-  
0.0%  
-  
0.0%  
7.7%  
9.9%  

100.0%

75.5%
7.2%
6.9%
0.1%
0.9%
1.4%
-0.7%
0.0%
-0.0%
0.0%
8.8%
10.4%

During Q4 2022, T-Lane was acquired and incorporated in the Logistics segment. 

Revenue 

For the three months ended December 31, 2022, revenue decreased by $51.6 million, or 12%, from $427.6 million in Q4 2021 to $376.0 million in Q4 

2022,  mainly  due  to  a  3PL volume  drop  amounting  to  $42.8  million  during  the  fourth  quarter  and  the  remaining  revenue  decrease  from  the  last  mile 

divisions. The contribution from business acquisitions  in the quarter was $10.4 million.   

For the year ended December 31, 2022, revenue increased by $68.2 million, or 4%, from $1,620.9 million in 2021 to $1,689.1 million. The increase is 

attributable to the contribution from business acquisitions of $53.9 million and $14.3 million from existing operations mainly driven by the 3PL business. 

Approximately 78% (2021 – 77%) of the Logistics segment’s revenues in the quarter were generated from operations in the U.S. and approximately 22% 

(2021 – 23%) were generated from operations in Canada. 

Operating expenses 

For the three months ended December 31, 2022, total operating expenses, net of fuel surcharge decreased by $52.9 million, or 13%, relative to the same 

prior  year  period,  from  $394.7  million  to  $341.8  million.  Business  acquisitions  accounted  for  a  $9.7  million  increase  in  operating  expenses,  and  total 

operating expenses, net of fuel surcharge, decreased by $62.7 million for existing operations. Materials and services expenses decreased by $54.5 million 

mostly  related  to  the  3PL  and  last  mile  volume  decrease.  Other  operating  expenses  decreased  by  $5.8  million,  mainly  due  to  a  reduction  in  other 

administrative costs. 

For the year ended December 31, 2022, total operating expenses, net of fuel surcharge increased by $70.5 million, or 5%, from $1,478.1 million to $1,548.7 

million. The increase in total operating expenses, net of fuel surcharge, is primarily from business acquisitions of $49.9 million, $8.7 million from existing 

operations, and $12.0 million from the bargain purchase gain recognized in 2021. The increase from existing operations is mostly  from increases from a 

litigation settlement in the US last mile division of $11.8 million and increased sales commissions of $12.9 million related to revenue growth, offset by 

decreases in materials and services expense, net of fuel surcharge of $8.1 million and a decrease in personnel expenses of $1.7 million.  

2022 Annual Report│14  

 
 
 
 
  
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
   
 
 
 
 
 
Management’s Discussion and Analysis 

Operating income 

Operating income for the three months ended December 31, 2022, increased by $1.3 million, or 4%, from $32.9 million to $34.2 million. The increase is 

partially due to cost management efforts by management and $0.7 million of contributions from business acquisitions.  

For the year ended December 31, 2022, operating income decreased by $2.3 million, or 2%. The decrease is due to the $11.8 million settlement expense 

and the benefit of $12.0 million from the bargain purchase gain included in the 2021 results, offset by $4.1 million from business acquisitions.  

The return on invested capital1, a non-IFRS measure, increased to 21.9% from 19.9% in the same prior year period.  

LIQUIDITY AND CAPITAL RESOURCES 

Sources and uses of cash 

(unaudited) 
(in thousands of U.S. dollars) 

Sources of cash: 

Net cash from operating activities 
Proceeds from sale of property and equipment 
Proceeds from sale of assets held for sale 
Net variance in cash and bank indebtedness 
Net proceeds from long-term debt 
Proceeds from the sale of business 
Others 
Total sources 
Uses of cash: 

Purchases of property and equipment 
Business combinations, net of cash acquired 
Net variance in cash and bank indebtedness 
Net repayment of long-term debt 
Repayment of lease liabilities 
Dividends paid 
Repurchase of own shares 
Others 
Total usage 

Cash flow from operating activities 

Three months ended

2022  

December 31  
2021  

Years ended
December 31
2021

2022  

248,348     
17,685     
33,956     
—     
1,172     
—     
13,948     
315,109     

111,716     
23,180     
14,915     
—     
31,194     
23,746     
83,497     
26,861     
315,109     

190,333     
22,508     
10,503     
45,647     
71,161     
—     
42,969     
383,121     

101,578     
96,328     
—     
—     
32,035     
21,406     
106,863     
24,911     
383,121     

971,645     
128,821     
131,250     
—     
—     
546,228     
29,682     
1,807,626     

350,824     
158,251     
120,335     
272,030     
123,606     
97,321     
567,983     
117,276     
1,807,626     

855,351 
92,842 
19,869 
— 
736,030 
— 
64,589 
1,768,681 

268,656 
1,008,131 
22,168 
— 
115,336 
85,386 
198,153 
70,851 
1,768,681 

For the year ended December 31, 2022, net cash from operating activities increased by 14% to $971.6 million from $855.4 million in 2021. This $116.3 

million  increase  is  attributable to  an  increase  in  net  income  and  non-cash  expenses  offset  by  a  decline  in  non-cash  working  capital  of  $163.7 million 

resulting from an increase in sales which increased the accounts receivable balance, and in particular from the increase in fuel costs for which payments 

must be made much faster than fuel surcharge revenue is received. The increase in taxes paid of $35.4 million is due to the increase in profits.  

1 Refer to the section “Non-IFRS financial measures”. 

2022 Annual Report│15  

 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
   
   
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash flow used in investing activities  

Property and equipment 

The following table presents the additions of property and equipment by category for the three-month periods and years ended December 31, 2022 and 

Management’s Discussion and Analysis 

2021. 

(unaudited) 
(in thousands of U.S. dollars) 

Additions to property and equipment: 

Purchases as stated on cash flow statements 
Non-cash adjustments 

Additions by category: 
Land and buildings 
Rolling stock 
Equipment 

Three months ended
December 31
2021

2022

111,716     
1,321     
113,037     

17,498     
87,306     
8,233     
113,037     

101,578     
1,017     

102,595 

11,939     
85,868     
4,788     

102,595 

Years ended
December 31
2021

268,656 
(1,483) 
267,173 

36,902 
217,080 
13,191 
267,173 

2022

350,824     
445     

351,269 

46,928     
286,277     
18,064     

351,269 

The Company invests in new equipment to maintain its quality of service while minimizing maintenance costs. Its capital expenditures reflect the level of 

reinvestment required to keep its equipment in good order and to maintain a strategic allocation of its capital resources. The increase in additions in 2022 

compared to 2021 is due primarily to the fleet renewal of TForce Freight. 

In the normal course of activities, the Company constantly renews its rolling stock equipment generating regular proceeds and gain or loss on disposition. 

The following table indicates the proceeds and gains or losses from sale of property and equipment and assets held for sale by category for the three-

month periods and years ended December 31, 2022 and 2021. 

(unaudited) 
(in thousands of U.S. dollars) 

Proceeds by category: 
Land and buildings 
Rolling stock 
Equipment 

Gains (losses) by category: 

Land and buildings 
Rolling stock 
Equipment 

Business acquisitions 

Three months ended

December 31  

2022

2021

2022

Years ended
December 31
2021

33,857     
17,727     
57     
51,641     

15,945     
7,219     
(1,414)    
21,750     

10,592     
22,394     
25     
33,011     

6,638     
7,309     
(169)    
13,778     

131,684     
126,034     
2,353     
260,071     

77,881     
59,671     
63     
137,615     

19,222 
93,411 
78 
112,711 

11,978 
25,176 
(320) 
36,834 

For the year ended December 31, 2022, cash used in business acquisitions, net of cash acquired, totaled $158.3 million to acquire eleven businesses. 

Refer to the section of this report entitled “2022 business acquisitions” and further information can be found in note 5 of the December 31, 2022 audited 

consolidated financial statements. 

Business dispositions 

On August 31, 2022, the Company announced the completion of the sale of CFI’s Truckload, Temp Control and Mexican non-asset logistics business to 

Heartland Express, Inc. which generated proceeds from the sale of business of $546.2 million. 

Purchase of investments 

For the year ended December 31, 2022 cash used in the purchase of investments was $80.6 million (2021 – $35.9 million).  Management has elected to 

measure these investments at fair value through OCI. 

2022 Annual Report│16  

 
 
 
 
 
 
 
 
   
   
 
   
 
 
 
 
 
 
   
   
   
 
   
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
   
 
 
 
 
   
   
   
 
   
 
 
 
 
 
 
 
Management’s Discussion and Analysis 

Cash flow used in financing activities  

Debt 

On March 23, 2022, the Company received $200 million in proceeds from the issuance of new debt taking the form of unsecured senior notes consisting 

of two tranches maturing on March 23, 2032, and 2037, bearing a fixed interest rate of 3.50% and 3.80%. Deferred financing fees of $0.3 million were 

recognized on the amount as a result of the transaction. 

On March 23, 2022, the Company received an additional $100 million in proceeds from the amended and restated debt agreement signed on July 2, 2021, 

taking the form of unsecured senior notes as the third tranche maturing on April 2, 2034, bearing a fixed interest rate of 3.55%. Deferred financing fees of 

$0.1 million were recognized as a result of the transaction. 

The two debt instruments described above are subject to certain covenants regarding the maintenance of financial ratios. These are the same covenants 

as  previously  required  by  the  Company’s  syndicated  revolving  credit  agreement  as  described  in  note  26(f)  of  the  2022  annual  consolidated  financial 

statements. 

The proceeds of two debt issuances were used in full to pay off the unsecured term loan which was due in June 2022 without any penalty. 

On September 2, 2022, the Company extended its credit facility until August 16, 2026. Under the new extension, the CAD availability and USD availability 

remain unchanged. Effective as of September 2, 2022, the interest rate will be the sum of the adjusted term secured overnight financing rate published by 

the Federal Reverse Bank of New York (“SOFR”) plus an applicable margin, which can vary between 113 and 175 basis points based on certain ratios. 

The change in interest rate did not have a material impact on the Company's financial statements as the Company has no interest rate swaps that hedge 

variable interest debt. The Company is subject to certain covenants in note 26(f) of the 2022 annual consolidated financial statements with regarding the 

maintenance  of  financial  ratios.  These  are  the  same  covenants  as  previously  required  by  the  Company's  syndicated  revolving  credit  agreement,  the 

exception of the definition of funded debt for which unrestricted cash shall be reduced from the total amount of the funded debt. Deferred financing fees of 

$0.8 million were recognized on the increase. 

NCIB on common shares 

Pursuant to the renewal of the normal course issuer bid (“NCIB”), which began on November 2, 2022 and ending on November 1, 2023, the Company is 

authorized to repurchase for cancellation up to a maximum of 6,370,199 of its common shares under certain conditions. As at December 31, 2022, and 

since the inception of this NCIB, the Company has repurchased and canceled 436,820 common shares.   

For the year ended December 31,  2022, the Company  repurchased 6,368,322 common  shares  (as compared to  2,157,862  during  the same period in 

2021) at a weighted average price of $89.19 per share (as compared to $91.83 in the prior year period) for a total purchase price of $499.4 million (as 

compared to $174.7 million the prior year period). 

Free cash flow1  
(unaudited) 
(in thousands of U.S. dollars) 

Net cash from operating activities 
Additions to property and equipment 
Proceeds from sale of property and equipment 
Proceeds from sale of assets held for sale 
Free cash flow 

Three months ended
December 31
2020
164,928     
(60,410)     
23,949     
6,248     
134,715     

2021 
190,333     
(102,595)     
22,508     
10,503     
120,749     

Years ended
December 31
2020
610,862 
(142,814) 
52,116 
24,480 
544,644 

2021
855,351     
(267,173)    
92,842     
19,869     
700,889     

2022
971,645     
(350,824)     
128,821     
131,250     
880,892     

2022
248,348     
(111,716)     
17,685     
33,956     
188,273     

The  Company's  objectives  when  managing  its  cash  flow  from  operations  are  to  ensure  proper  capital  investment  in  order  to  provide  stability  and 

competitiveness for its operations, to ensure sufficient liquidity to pursue its growth strategy, and to undertake selective business acquisitions within a 

sound capital structure and a solid financial position. 

For the year ended December 31, 2022, TFI International generated free cash flow of $880.9 million, compared to $700.9 million in 2021, which represents 

a year-over-year increase of $180.0 million, or 26%. The increase is due to an increase of $116.3 million in net cash from operating activities as explained 

above. The additions to property and equipment increased by $83.7 million as compared to the same prior year period as a result of fleet renewals due to 

the difficulty in procuring equipment in 2021. The proceeds from the sale of property and equipment increased by $36.0 million as compared to the prior 

year, due to the replenishment of the fleet discussed above and increased prices in the market. The proceeds from assets held for sale increased by 

$111.4 million from 2021, and are related to the sale of redundant assets.  

1 This is a non-IFRS measure. Refer to the “Non-IFRS financial measures” section below. 

2022 Annual Report│17  

 
 
 
 
   
   
   
   
   
 
Free cash flow conversion1, which measures the level of capital employed to generate earnings, for the year ended December 31, 2022, of 87.7% compares 

to 87.3% in the same prior year period.  

Based on the December 31, 2022, closing share price of $100.24, the free cash flow1 generated by the Company in the preceding twelve months ($880.9 

million, or $10.18 per share outstanding) represented a yield of 10.2%. 

Management’s Discussion and Analysis 

Financial position 
(unaudited) 
(in thousands of U.S. dollars) 
Intangible assets 
Total assets, less intangible assets1 
Long-term debt 
Lease liabilities 
Shareholders' equity 
* Recasted for adjustments to provisional amounts for UPS Freight prior year business combination 

As at 
December 31, 2022

1,592,110     
3,913,720     
1,315,757     
413,039     
2,463,070     

As at 
December 31, 2021*
1,792,921 
4,090,742 
1,608,094 
429,206 
2,310,355 

Compared to December 31, 2021, the Company’s total assets less intangible assets, long-term debt and lease liabilities have decreased. These decreases 

are primarily attributable to the sale of CFI and the associated assets and liabilities. The proceeds from the sale were used to immediately reduce the 

variable  rate  debt  the  Company  had  on  its  unsecured  revolving  facility.  The  increase  in  shareholder’s  equity  is  mostly  due  to  the  repurchase  and 

cancellation of the common shares.  

Contractual obligations, commitments, contingencies and off-balance sheet arrangements 

The following table indicates the Company’s contractual obligations with their respective maturity dates at December 31, 2022, including future interest 

payments. 

(unaudited) 
(in thousands of U.S. dollars) 
Unsecured debenture – December 2024 
Unsecured senior notes – December 2026 to March 2037 
Conditional sales contracts 
Lease liabilities 
Interest on debt and lease liabilities 
Total contractual obligations 

Total
147,558      
1,080,000      
92,822      
413,039      
380,517      
2,113,936      

Less than

1 year   

—     
—     
37,087     
115,934     
57,324     
210,345     

1 to 3
years  
147,558     
—     
40,466     
163,902     
96,613     
448,539     

3 to 5
years  

—     
150,000     
11,302     
73,741     
75,582     
310,625     

After
5 years
— 
930,000 
3,967 
59,462 
150,998 
1,144,427 

On March 23, 2022, the Company received $200 million in proceeds from the issuance of new debt taking the form of unsecured senior notes consisting 

of two tranches maturing on March 23, 2032, and 2037, bearing a fixed interest rate of 3.50% and 3.80%. Deferred financing fees of $0.3 million were 

recognized as a result of the transaction. 

On March 23, 2022, the Company received an additional $100 million in proceeds from the amendment and restatement of the debt agreement signed on 

July 2, 2021, taking the form of unsecured senior notes as the third tranche maturing on April 2, 2034, bearing a fixed interest rate of 3.55%. Deferred 

financing fees of $0.1 million were recognized as a result of the transaction. 

The unsecured term loan of $326.1 million which was due in June 2022 was repaid in full with the proceeds from the two debt issuances above. 

As at December 31, 2022 the Company’s long term debt was comprised 100% of fixed rate debts (2021 – 85.1%) and nil variable rate debt (2021 – 14.9%).   

The following table indicates the Company’s financial covenants to be maintained under its credit facility. These covenants are measured on a consolidated 

rolling twelve-month basis and are calculated as prescribed by the credit agreement which, among other things, requires the exclusion of the impact of the 

new standard IFRS 16 Leases: 

(unaudited) 
Covenants 
Funded debt-to- EBITDA ratio [ratio of total debt, net of cash, plus letters of credit and some other long-
term liabilities to earnings before interest, income tax, depreciation and amortization (“EBITDA”), 
including last twelve months adjusted EBITDA from business acquisitions] 
EBITDAR Coverage Ratio [ratio of EBITDAR (EBITDA before rent and including last twelve months 
adjusted EBITDAR from business acquisitions) to interest and net rent expenses] 

Requirements 

As at
December 31, 2022

< 3.50   

> 1.75   

0.96 

6.22 

1 This is a non-IFRS measure. Refer to the “Non-IFRS financial measures” section below. 

As at December 31, 2022, the Company had $66.8 million of outstanding letters of credit ($47.4 million on December 31, 2021).  

2022 Annual Report│18  

 
 
  
   
   
   
   
 
 
 
 
 
   
   
   
   
   
   
 
 
 
 
 
As at December 31, 2022, the Company had $149.8 million of purchase commitments and $13.9 million of purchase orders that the Company intends to 

enter into a lease that is expected to materialize within a year (December 31, 2021 – $87.5 million and $13.2 million, respectively). 

Management’s Discussion and Analysis 

Dividends and outstanding share data 

Dividends 

The Company declared $30.3 million in dividends, or $0.35 per common share, in the fourth quarter of 2022. The Board of Directors approved a quarterly 

dividend of $0.35 per outstanding common share of the Company’s capital, for an expected aggregate payment of $30.3 million to be paid on April 17, 

2023, to shareholders of record at the close of business on March 31, 2023. 

Outstanding shares and share-based awards 

A total of 86,539,559 common shares were outstanding as at December 31, 2022 (December 31, 2021 – 92,152,893). There was no material change in 

the Company’s outstanding share capital between December 31, 2022 and February 22, 2023. 

As at December 31, 2022, the number of outstanding options to acquire common shares issued under the Company’s stock option plan was 1,301,972 

(December 31, 2021 – 2,060,960) of which 1,272,811 were exercisable (December 31, 2021 – 1,705,284). Each stock option entitles the holder to purchase 

one common share of the Company at an exercise price based on the volume-weighted average trading price of the Company’s shares for the last five 

trading days immediately preceding the effective date of the grant. 

As at December 31, 2022, the number of restricted share units (‘’RSUs’’) granted under the Company’s equity incentive plan to its senior employees was 

272,330 (December 31, 2021 – 271,704). On February 7, 2022, the Board of Directors approved the grant of 63,404 RSUs under the Company’s equity 

incentive plan. The RSUs will vest in February of the third year following the grant date. Upon satisfaction of the required service period, the plan provides 

for settlement of the award through shares. On April 28, 2022, the Company granted a total of 10,815 RSUs under the Company’s equity incentive plan. 

The  fair  value  of  the  RSUs  is  determined  to  be  the  share  price  fair  value  at  the  date  of  the  grant  and  is  recognized  as  a  share-based  compensation 

expense, through contributed surplus, over the vesting period. The fair value of the RSUs granted was $83.28 per unit. On August 31, 2022, due to the 

sale of CFI 22,876 RSUs were forfeited and the employees were compensated based on the text of the plan. 

As at December 31, 2021, the number of performance share units (‘’PSUs’’) granted under the Company’s equity incentive plan to its senior employees 

was 261,451 (December 31, 2021 – 225,765). On February 7, 2022, the Board of Directors approved the grant of 63,404 PSUs under the Company’s 

equity incentive plan. The PSUs will vest in February of the third year following the grant date. Upon satisfaction of the required service period, the plan 

provides for settlement of the award through shares. On August 31, 2022, due to the sale of CFI 41,380 PSUs were canceled, including the 18,504 added 

for the performance, conditions met, and the employees were compensated based on the text of the plan. 

Legal proceedings 

The Company is involved in litigation arising from the ordinary course of business primarily involving claims for bodily injury and property damage. It is not 

feasible  to  predict or determine the outcome of these or  similar proceedings.  However, the Company believes the ultimate  recovery  or  liability,  if any, 

resulting from such litigation individually or in total would not materially adversely nor positively affect the Company’s financial condition or performance 

and, if necessary, has been provided for in the financial statements. 

2022 Annual Report│19  

 
 
Management’s Discussion and Analysis 

OUTLOOK 

The North American economic growth forecast from leading economists remains subdued due to a variety of factors including elevated interest rates, high 

inflation  that  affects  wages,  energy  and  commodity  prices,  labor  shortages,  global  supply  chain  challenges,  and  slower  growth  in  many  international 

markets. TFI International’s diversity across industrial and consumer end markets and across many modes of transportation, along with the Company’s 

disciplined approach to operations, helped generate solid results during the fourth quarter, but macro uncertainty and the possibility of economic recession 

in the year ahead remains. 

TFI International’s business has proven resilient in the face of recent macro challenges and management remains vigilant in its monitoring for new potential 

risks that could cause further economic disruption, resulting in additional rounds of declining freight volumes and higher costs that could adversely affect 

TFI’s  operating companies and the markets they serve. These uncertainties include  but  are  not  limited  to geopolitical risk such as the ongoing  war in 

Ukraine,  tight  labor  market  conditions,  policy  changes  surrounding  international  trade,  environmental  mandates  and  changes  to  the  tax  code  in  any 

jurisdictions in which TFI International operates. 

Barring a more significant economic downturn, management believes the Company is well positioned for continued solid operational and financial 

performance in 2023, benefiting from its financial foundation and strong cash flow that allows for strategic investment. The Company strives for a lean 

cost structure and has a longstanding focus on profitability, efficiency, network density, customer service, optimal pricing, driver retention, and capacity 

rationalization. TFI also continues to have material synergy opportunities related to the 2021 acquisition of TForce Freight, and has meaningful 

opportunities to enhance performance within most of its other operations. In addition, TFI’s diverse industrial exposure through specialized TL and LTL 

should continue to benefit from a shift toward domestic manufacturing, while its P&C and Logistics business segments should benefit over the long term 

from the expansion of e-commerce, which provides both growth and margin expansion opportunities. 

Regardless of the operating environment, management’s goal is to build shareholder value through consistent adherence to its operating principles, 

including customer focus, an asset-light approach, and continual efforts to enhance efficiencies. In addition, TFI International values free cash flow 

generation and strong liquidity with a conservative balance sheet that features a high portion of attractive fixed-rate spreads and limited near-term debt 

maturities. This strong financial footing allows the Company to prudently invest and pursue select, accretive acquisitions while returning excess capital to 

shareholders. 

SUMMARY OF EIGHT MOST RECENT QUARTERLY RESULTS 

(in millions of U.S. dollars, except per share data) 

Q4’22

Q3’22

Q2’22

Q1’22

Total revenue 
Adjusted EBITDA1 
Operating income 
Net income 
EPS – basic 
EPS – diluted 
Adjusted net income1 
Adjusted EPS - 
   diluted1 
1 This is a non-IFRS measure. For a reconciliation refer to the “Non-IFRS financial measures” section below. 
* Recasted for adjustments to provisional amounts of UPS Freight prior year business combination. 

2,191.5     
330.0     
219.8     
147.7     
1.61     
1.57     
157.6     

2,422.3     
441.9     
391.0     
276.8     
3.05     
3.00     
241.1     

1,956.7     
305.0     
216.9     
153.5     
1.77     
1.74     
151.8     

2,242.0     
348.2     
318.4     
245.2     
2.78     
2.72     
181.2     

1.68     

2.61     

1.72     

2.01     

Q4’21

2,140.9     
318.5     
215.0     
144.1     
1.56     
1.52     
148.6     

Q3’21

2,094.0      
296.4      
191.6      
131.6      
1.42      
1.38      
138.9      

Q2’21*
1,836.7     
285.4     
470.9     
411.8     
4.42     
4.32     
137.2     

Q1’21
1,148.8 
176.2 
101.7 
66.9 
0.72 
0.70 
73.6 

1.57     

1.46      

1.44     

0.77 

The differences between the quarters are mainly the result of seasonality (softer in Q1) and business acquisitions. The increase in Q2 2021 is due to the 

bargain purchase gain of $283.6 million on the acquisition of UPS Freight, and the Q3 2022 includes a $75.7 million gain on the sale of CFI.   

NON-IFRS FINANCIAL MEASURES 

Financial data have been prepared in conformity with IFRS, including the following measures: 

Operating expenses: Operating expenses include: a) materials and services expenses, which are primarily costs related to independent contractors and 

vehicle  operation;  vehicle  operation  expenses,  which  primarily  include  fuel,  repairs  and  maintenance,  vehicle  leasing  costs,  insurance,  permits  and 

operating supplies; b) personnel expenses; c) other operating expenses, which are primarily composed of costs related to offices’ and terminals’ rent, 

taxes, heating, telecommunications, maintenance and security  and other general administrative  expenses;  d)  depreciation  of property and equipment, 

depreciation of right-of-use assets, amortization of intangible assets and gain or loss on the sale of rolling stock and equipment, on derecognition of right-

of use assets, on sale of business and on sale of land and buildings and assets held for sale; e) bargain purchase gain; and f) impairment of intangible 

assets. 

Operating income (loss): Net income or loss before finance income and costs and income tax expense, as stated in the consolidated financial statements. 

2022 Annual Report│20  

 
 
 
 
   
 
   
 
   
 
   
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
Management’s Discussion and Analysis 

This MD&A includes references to certain non-IFRS financial measures as described below. These non-IFRS financial measures are not standardized 

financial measures under IFRS used to prepare the financial statements of the Company to which the measures relate and might not be comparable to 

similar financial measures  disclosed  by other issuers.  Accordingly, they should  not  be considered in isolation, in  addition  to,  not as  a substitute for or 

superior to, measures of financial performance prepared in accordance with IFRS. The terms and definitions of non-IFRS measures used in this MD&A 

and a reconciliation of each non-IFRS measure to the most directly comparable IFRS measure are provided below. 

Adjusted net income: Net income or loss excluding amortization of intangible assets related to business acquisitions, net change in the fair value and 

accretion expense of contingent considerations, net change in the fair value of derivatives, net foreign exchange gain or loss, impairment of intangible 

assets, bargain purchase gain, gain or loss on sale of land and buildings, assets held for sale of and building, gain or loss on the sale of business and 

directly attributable expenses due to disposal, gain or loss on the disposal of intangible assets and U.S. Tax Reform. In presenting an adjusted net income 

and adjusted EPS, the Company’s intent is to help provide an understanding of what would have been the net income and earnings per share in a context 

of  significant  business  combinations  and  excluding  specific  impacts  and  to  reflect  earnings  from  a  strictly  operating  perspective.  The  amortization  of 

intangible assets related to business acquisitions comprises amortization expense of customer relationships, trademarks and non-compete agreements 

accounted for in business combinations and the income tax effects related to this amortization. Management also believes, in excluding amortization of 

intangible assets related to business acquisitions, it provides more information on the amortization of intangible asset expense portion, net of tax, that will 

not have to be replaced to preserve the Company’s ability to generate similar future cash flows. The Company excludes these items because they affect 

the comparability of its financial results and could potentially distort the analysis of trends in its business performance. Excluding these items does not 

imply they are necessarily non-recurring. See reconciliation on page 8. 

Adjusted earnings per share (adjusted “EPS”) - basic: Adjusted net income divided by the weighted average number of common shares. 

Adjusted EPS - diluted: Adjusted net income divided by the weighted average number of diluted common shares. 

Adjusted EBITDA: Net income before finance income and costs, income tax expense, depreciation, amortization, impairment of intangible assets, bargain 

purchase gain, and gain or loss on sale of land and buildings, assets held for sale, sale of business, and gain or loss on disposal of intangible assets. 

Management believes  adjusted EBITDA to  be a useful supplemental measure. Adjusted EBITDA is provided to assist in determining the  ability  of the 

Company to assess its performance. 

Segmented adjusted EBITDA refers to operating income (loss) before depreciation, amortization, impairment of intangible assets, bargain purchase gain, 

gain or loss on sale of business, land and buildings, and assets held for sale and gain or loss on disposal of intangible assets. Management believes 

adjusted EBITDA to be a useful supplemental measure. Adjusted EBITDA is provided to assist in determining the ability of the Company to assess its 

performance. 

Consolidated adjusted EBITDA reconciliation: 

(unaudited) 
(in thousands of U.S. dollars) 

Net income 
Net finance costs 
Income tax expense 
Depreciation of property and equipment 
Depreciation of right-of-use assets 
Amortization of intangible assets 
(Gain) loss on sale of business 
Bargain purchase gain 
(Gain) loss on sale of land and buildings 
Gain on sale of assets held for sale 
(Gain) loss on sale of intangible assets 
Adjusted EBITDA 
* Recasted for adjustments to provisional amounts of UPS Freight prior year business combination.

2022 
153,494  
16,963  
46,403  
56,587  
32,150  
13,262  
2,069  
— 
— 
(15,972) 
— 
304,956  

Three months ended
December 31 
2020 
86,328  
15,382  
15,412  
43,753  
21,618  
13,557  
(306)
— 
5  
(2,211) 
— 
193,538  

2021  
144,139  
21,441  
49,399  
65,294  
31,190  
13,653  
—  
—  
9  
(6,654)  
(5)  
318,466  

Years ended
December 31
2020
275,675 
53,910 
86,982 
170,520 
80,496 
48,213 
(306)
(4,008)
6 
(11,899)
—
699,589 

2021* 
754,405  
73,018  
151,806  
225,007  
112,782  
55,243  
— 
(283,593) 
19
(12,209) 
1  
1,076,479  

2022 
823,232  
80,397  
242,409  
248,638  
126,276  
55,679  
(73,653)
— 
(43)
(77,911) 
— 
1,425,024  

2022 Annual Report│21

Segmented adjusted EBITDA reconciliation: 

(unaudited) 
(in thousands of U.S. dollars) 

Package and Courier 
Operating income 
Depreciation and amortization 
Loss on disposal of intangible assets 
Adjusted EBITDA 
Less-Than-Truckload 
Operating income 
Depreciation and amortization 
Bargain purchase gain 
(Gain) loss on sale of land and buildings 
Gain on sale of assets held for sale 
Adjusted EBITDA 

Truckload 

Operating income 
Depreciation and amortization 
(Gain) loss on sale of land and buildings 
Gain on sale of assets held for sale 
Gain on disposal of intangible assets 
Adjusted EBITDA 

Logistics 

Operating income 
Depreciation and amortization 
Bargain purchase gain 
Loss on sale of land and buildings 
Adjusted EBITDA 

Corporate 

Operating loss 
Depreciation and amortization 
(Gain) loss on sale of business 
Adjusted EBITDA 

Management’s Discussion and Analysis 

Three months ended
December 31
2021

2022

37,563  
6,372  
— 
43,935  

88,240  
38,080  
— 
(1) 
(12) 
126,307  

71,842  
48,124  
1  
(15,960) 
— 
104,007  

34,204  
9,269  
— 
— 
43,473  

(14,989) 
154  
2,069  
(12,766) 

36,713  
6,783  
— 
43,496  

103,449  
37,739  
— 
6  
(5) 
141,189  

61,803  
56,699  
— 
(6,649) 
(5) 
111,848  

32,869  
9,593  
— 
3  
42,465  

(19,855) 
(677) 
— 
(20,532) 

Years ended
December 31
2021*

108,440 
26,404 
1 
134,845 

572,798 
116,060 
(271,593)
16 
(1,640)
415,641 

230,189 
211,561 
—
(10,569)
—
431,181 

142,794 
38,208 
(12,000)
3 
169,005 

(74,992)
799 
—
(74,193)

2022

134,306  
26,532  
— 
160,838  

470,807  
152,666  
— 
— 
(55,714) 
567,759  

366,868  
212,430  
(43) 
(22,197) 
— 
557,058  

140,446  
38,244  
— 
— 
178,690  

33,611  
721  
(73,653) 
(39,321) 

* Recasted for adjustments to provisional amounts of UPS Freight prior year business combination.

Adjusted EBITDA margin is calculated as adjusted EBITDA as a percentage of revenue before fuel surcharge. 

Free cash flow: Net cash  from operating activities less additions to property  and equipment  plus  proceeds from sale  of property  and  equipment  and 

assets held for sale. Management believes that this measure provides a benchmark to evaluate the performance of the Company in regard to its ability 

to meet capital requirements. See reconciliation on page 17. 

Free cash flow conversion: Adjusted EBITDA less net capital expenditures, divided by the adjusted EBITDA. Management believes that this measure 

provides a benchmark to evaluate the performance of the Company in regard to its ability to convert its operating profit into free cash flow. 

Free cash flow conversion reconciliation: 

(unaudited) 
(in thousands of U.S. dollars) 

Net income 
Net finance costs 
Income tax expense 
Depreciation of property and equipment 
Depreciation of right-of-use assets 
Amortization of intangible assets 
(Gain) loss on the sale of business 
Bargain purchase gain 
(Gain) loss on sale of land and buildings 
Gain on sale of assets held for sale 
(Gain) loss on sale of intangible assets 
Adjusted EBITDA 
Net capital expenditures 
Adjusted EBITDA less net capital expenditures 
Free cash flow conversion 
* Recasted for adjustments to provisional amounts of UPS Freight prior year business combination.

Three months ended
December 31 
2021 
144,139  
21,441  
49,399  
65,294  
31,190  
13,653  
— 
— 
9  
(6,654) 
(5) 
318,466 
(68,237)
250,229 
78.6%

2022 
153,494  
16,963  
46,403  
56,587  
32,150  
13,262  
2,069  
— 
— 
(15,972) 
— 
304,956 
(77,755)
227,201 
74.5%

Years ended
December 31
2021*
754,405 
73,018 
151,806 
225,007 
112,782 
55,243 
—
(283,593)
19 
(12,209)
1 
1,076,479 
(136,782)
939,697 
87.3%

2022 
823,232  
80,397  
242,409  
248,638  
126,276  
55,679  
(73,653) 
— 
(43) 
(77,911) 
— 
1,425,024 
(175,954)
1,249,070 
87.7%

2022 Annual Report│22

Management’s Discussion and Analysis 

Total assets less intangible assets: Management believes that this presents a more useful basis to evaluate the return on the productive assets. The 

excluded intangibles relate primarily to intangibles assets acquired through business acquisitions. 

(unaudited) 
(in thousands of U.S. dollars) 

As at December 31, 2022 
Total assets 
Intangible assets 
Total assets less intangible assets 

Package
 and
 Courier  

Less- 
Than-

Truckload   

Truckload   Logistics    Corporate   Eliminations  

Total

362,724      2,275,672       1,861,093      731,564     
775,464      468,547     
180,119     
182,605      2,107,874       1,085,629      263,017     

167,798      

274,777     
182     
274,595     

-      5,505,830 
-      1,592,110 
-      3,913,720 

As at December 31, 2021* 
Total assets 
Intangible assets 
Total assets less intangible assets 
* Recasted for adjustments to provisional amounts of UPS Freight prior year business combination. 

379,881      2,351,138       2,317,615      746,638     
955,608      454,612     
193,765     
186,116      2,162,534       1,362,007      292,026     

188,604      

88,391     
332     
88,059     

-      5,883,663 
-      1,792,921 
-      4,090,742 

2022 Annual Report│23  

 
 
 
   
 
   
 
 
   
   
   
 
 
 
   
 
   
 
 
 
 
   
 
   
 
 
   
   
   
 
Net capital expenditures: Additions to rolling stock and equipment, net of proceeds from the sale of rolling stock and equipment and assets held for  

sale excluding property. Management believes that this measure illustrates the recurring net capital expenditures which is required for the respective  

Management’s Discussion and Analysis 

period. 

(unaudited) 
(in thousands of U.S. dollars) 

Three months ended December 31, 2022 
Additions to rolling stock 
Additions to equipment 
Proceeds from the sale of rolling stock 
Proceeds from the sale of equipment 
Net capital expenditures 

Three months ended December 31, 2021 
Additions to rolling stock 
Additions to equipment 
Proceeds from the sale of rolling stock 
Proceeds from the sale of equipment 
Net capital expenditures 

YTD ended December 31, 2022 
Additions to rolling stock 
Additions to equipment 
Proceeds from the sale of rolling stock 
Proceeds from the sale of equipment 
Net capital expenditures 

YTD ended December 31, 2021 
Additions to rolling stock 
Additions to equipment 
Proceeds from the sale of rolling stock 
Proceeds from the sale of equipment 
Net capital expenditures 

Package
 and
 Courier  

5,786     
579     
(320)    
-     
6,045     

4,794     
1,112     
20     
-     
5,926     

9,991 
2,227 
(1,579) 

(3)    
10,636     

11,569     
3,125     
(246)    
(3)    
14,445     

Less-
Than-

Truckload   Truckload   

Logistics    Corporate   Eliminations 

Total 

58,353     
5,025     
(6,399)    
294     
57,273     

23,167     
2,134     
(11,252)    
199     
14,248     

47,680     
1,620     
(2,313)    
(1)    
46,986     

33,394     
1,801     
(20,075)    
(7)    
15,113     

134,898 
10,888 
(13,067) 

95     
132,814     

141,388 
3,747 
(111,582) 

(1,895)    
31,658     

55,087     
2,655     
(5,024)    
(15)    
52,703     

150,282     
6,897     
(87,995)    
(7)    
69,177     

-     
437     
(115)    
(191)    
131     

-     
235     
(26)    
(17)    
192     

— 
1,032 
(165) 
(191)    
676     

142     
373     
(146)    
(53)    
316     

-   
58   
-   
-   
58   

-   
20   
-   
-   
20   

- 
170 
- 
-   
170   

-   
141   
-   
-   
141   

87,306 
8,233 
(18,086) 
302 
77,755 

85,868 
4,788 
(22,394) 
(25) 
68,237 

  286,277 
18,064 
  (126,393) 
(1,994) 
    175,954 

    217,080 
13,191 
(93,411) 
(78) 
    136,782 

Operating margin is calculated as operating income (loss) as a percentage of revenue before fuel surcharge. 

Adjusted operating ratio: Operating expenses before gain on sale of business, bargain purchase gain, and gain or loss on sale of land and buildings 

and assets held for sale, and gain or loss on disposal of intangible assets (“Adjusted operating expenses”), net of fuel surcharge revenue, divided by 

revenue  before fuel  surcharge. Although the adjusted  operating ratio is not  a recognized financial measure defined  by IFRS, it is a  widely recognized 

measure in the transportation industry, which the Company believes provides a comparable benchmark for evaluating the Company’s performance. Also, 

to facilitate the comparison of business level activity and operating costs between periods, the Company compares the revenue before fuel surcharge 

(“revenue”) and reallocates the fuel surcharge revenue to materials and services expenses within operating expenses. 

Consolidated adjusted operating ratio reconciliation: 

(unaudited)  
(in thousands of U.S. dollars) 

Operating expenses 
(Gain) loss on sale of business 
Bargain purchase gain 
Gain (loss) on sale of land and building 
Gain on sale of assets held for sale 
Gain (loss) on disposal of intangible assets 
Adjusted operating expenses 
Fuel surcharge revenue 
Adjusted operating expenses, net of fuel surcharge revenue 
Revenue before fuel surcharge 
Adjusted operating ratio 
* Recasted for adjustments to provisional amounts of UPS Freight prior year business combination. 

2022 
1,739,834  
(2,069) 
— 
— 
15,972  
— 
1,753,737  
(340,199) 
1,413,538  
1,616,495  
87.4%

Three months ended
December 31 
2020 
1,004,884  
306  
— 
(5) 
2,211  
— 
1,007,396  
(73,859) 
933,537  
1,048,147  

2021  
1,925,935  
—  
—  
(9)  
6,654  
5  
1,932,585  
(252,491)  
1,680,094  
1,888,423  
89.0% 

2022 
7,666,453  
73,653  
— 
43  
77,911  
— 
7,818,060  
(1,455,427) 
6,362,633  
7,357,064  

2021* 
6,241,200  
— 
283,593  
(19) 
12,209  
(1) 
6,536,982  
(751,644) 
5,785,338  
6,468,785  

Years ended
December 31
2020
3,364,567 
306 
4,008 
(6)
11,899 
—
3,380,774 
(296,831)
3,083,943 
3,484,303 
88.5%

89.1%  

86.5%  

89.4%  

2022 Annual Report│24  

 
 
 
 
 
   
  
 
 
 
   
   
   
   
   
   
   
   
   
   
 
 
 
 
   
  
 
 
 
 
 
 
   
  
 
 
 
   
   
   
   
   
   
   
   
   
   
 
 
 
 
   
  
 
 
 
 
 
 
   
  
 
 
 
   
 
 
 
 
   
 
 
 
 
 
   
 
 
 
 
   
   
   
 
 
 
 
   
  
 
 
 
 
 
 
   
  
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
Less-Than-Truckload  and  Truckload  reportable  segments  adjusted  operating  ratio  reconciliation  and  Truckload  operating  segments 

Management’s Discussion and Analysis 

reconciliations: 

(unaudited)  
(in thousands of U.S. dollars) 

Less-Than-Truckload 

Total revenue 
Total operating expenses 
Operating income 
Operating expenses 
Bargain purchase gain 
Gain (loss) on sale of land and buildings and assets held for sale 
Adjusted operating expenses 
Fuel surcharge revenue 
Adjusted operating expenses, net of fuel surcharge revenue 
Revenue before fuel surcharge 
Adjusted operating ratio 

Less-Than-Truckload - Revenue before fuel surcharge 

U.S. based LTL 
Canadian based LTL 
Eliminations 

Less-Than-Truckload - Fuel surcharge revenue 

U.S. based LTL 
Canadian based LTL 
Eliminations 

Less-Than-Truckload - Operating income (loss) 

U.S. based LTL 
Canadian based LTL 

U.S. based LTL 

Operating expenses* 
Bargain purchase gain 
Gain (loss) on sale of land and buildings and assets held for sale 
Adjusted operating expenses 
Fuel surcharge revenue 
Adjusted operating expenses, net of fuel surcharge 
Revenue before fuel surcharge 
Adjusted operating ratio 

Canadian based LTL 
Operating expenses* 
Gain on sale of land and buildings and assets held for sale 
Adjusted operating expenses 
Fuel surcharge revenue 
Adjusted operating expenses, net of fuel surcharge 
Revenue before fuel surcharge 
Adjusted operating ratio 

* Recasted for adjustments to provisional amounts of UPS Freight prior year business combination 
* Operating expenses excluding intra LTL eliminations 

Three months ended
December 31 
2021* 

2022 

903,713  
815,473  
88,240  
815,473  
— 
13  
815,486  
(182,930) 
632,556  
720,783  
87.8% 

601,436  
123,176  
(3,829) 
720,783  

142,180  
41,051  
(301) 
182,930  

57,819  
30,421  
88,240  

685,797  
- 
- 
685,797  
(142,180) 
543,617  
601,436  
90.4% 

133,806  
13  
133,819  
(41,051) 
92,768  
123,176  
75.3% 

959,546  
856,097  
103,449  
856,097  
— 
(1) 
856,096  
(136,635) 
719,461  
822,911  
87.4% 

680,212  
144,697  
(1,998) 
822,911  

108,275  
28,598  
(238) 
136,635  

72,077  
31,372  
103,449  

716,410  
- 
(7) 
716,403  
(108,275) 
608,128  
680,212  
89.4% 

141,923  
6  
141,929  
(28,598) 
113,331  
144,697  
78.3% 

2022 

4,023,163  
3,552,356  
470,807  
3,552,356  
— 
55,714  
3,608,070  
(779,606) 
2,828,464  
3,243,557  
87.2% 

2,709,762  
548,012  
(14,217) 
3,243,557  

615,840  
165,185  
(1,419) 
779,606  

327,793  
143,014  
470,807  

2,997,809  
- 
55,054  
3,052,863  
(615,840) 
2,437,023  
2,709,762  
89.9% 

570,183  
660  
570,843  
(165,185) 
405,658  
548,012  
74.0% 

Years ended
December 31
2021*

2,815,390 
2,242,592 
572,798 
2,242,592 
271,593 
1,624 
2,515,809 
(374,750)
2,141,059 
2,440,640 
87.7%

1,889,611 
556,891 
(5,862)
2,440,640 

281,110 
94,166 
(526)
374,750 

459,071 
113,727 
572,798 

1,711,650 
271,593 
(17)
1,983,226 
(281,110)
1,702,116 
1,889,611 
90.1%

537,330 
1,641 
538,971 
(94,166)
444,805 
556,891 
79.9%

2022 Annual Report│25  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
   
   
   
 
 
  
   
   
   
 
 
  
   
   
   
 
 
   
   
   
   
 
 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
Less-Than-Truckload  and  Truckload  reportable  segments  adjusted  operating  ratio  reconciliation  and  Truckload  operating  segments 

Management’s Discussion and Analysis 

reconciliations (continued): 

(unaudited)  
(in thousands of U.S. dollars) 

Truckload 

Total revenue 
Total operating expenses 
Operating income 
Operating expenses 
Gain on sale of business 
Gain on sale of land and buildings and assets held for sale 
Adjusted operating expenses 
Fuel surcharge revenue 
Adjusted operating expenses, net of fuel surcharge revenue 
Revenue before fuel surcharge 
Adjusted operating ratio 
Truckload - Revenue before fuel surcharge 

U.S. based Conventional TL1 
Canadian based Conventional TL 
Specialized TL1 
Eliminations 

Truckload - Fuel surcharge revenue 
U.S. based Conventional TL1 
Canadian based Conventional TL 
Specialized TL1 
Eliminations 

Truckload - Operating income 

U.S. based Conventional TL1 
Canadian based Conventional TL 
Specialized TL1 

U.S. based Conventional TL1 

Operating expenses* 
Gain on sale of land and buildings and assets held for sale 
Adjusted operating expenses 
Fuel surcharge revenue 
Adjusted operating expenses, net of fuel surcharge revenue 
Revenue before fuel surcharge 
Adjusted operating ratio 

Canadian based Conventional TL 

Operating expenses* 
Gain on sale of land and buildings and assets held for sale 
Adjusted operating expenses 
Fuel surcharge revenue 
Adjusted operating expenses, net of fuel surcharge revenue 
Revenue before fuel surcharge 
Adjusted operating ratio 

Specialized TL1 

Operating expenses* 
Gain on sale of assets held for sale 
Adjusted operating expenses 
Fuel surcharge revenue 
Adjusted operating expenses, net of fuel surcharge revenue 
Revenue before fuel surcharge 
Adjusted operating ratio 

(2,173)     

506,432 

(8,638)     

1,986,331 

Three months ended

2022  

December 31  
2021  

502,784 
430,942 
71,842 
430,942 
— 
15,959 
446,901 
(99,433)     
347,468 
403,351 

86.1%   

— 
79,101 
325,493 

(1,243)     

403,351 

— 
17,307 
82,288 

(162)     

99,433 

— 
30,463 
41,379 
71,842 

— 
— 
— 
— 
— 
— 
— 

65,945 
15,485 
81,430 
(17,307)     
64,123 
79,101 

81.1%   

366,402 
474 
366,876 
(82,288)     
284,588 
325,493 

87.4%   

584,009 
522,206 
61,803 
522,206 
— 
6,649 
528,855 
(77,577)     
451,278 
506,432 

89.1%   

106,171 
73,786 
328,648 

20,337 
9,414 
48,045 

(219)     

77,577 

12,409 
8,565 
40,829 
61,803 

114,099 
— 
114,099 
(20,337)     
93,762 
106,171 

88.3%   

74,635 
— 
74,635 
(9,414)     
65,221 
73,786 

88.4%   

335,864 
6,649 
342,513 
(48,045)     
294,468 
328,648 

89.6%   

2022  

2,451,038 
2,084,170 
366,868 
2,084,170 
— 
22,240 
2,106,410 
(464,707)     
1,641,703 
1,986,331 

82.7%   

310,026 
322,553 
1,362,390 

82,059 
62,929 
321,362 

(1,643)     

464,707 

46,133 
84,321 
236,414 
366,868 

345,952 
— 
345,952 
(82,059)     
263,893 
310,026 

85.1%   

301,161 
15,529 
316,690 
(62,929)     
253,761 
322,553 

78.7%   

Years ended
December 31
2021

2,162,752 
1,932,563 
230,189 
1,932,563 
— 
10,569 
1,943,132 
(261,595) 
1,681,537 
1,901,157 

88.4%

424,320 
250,177 
1,233,761 
(7,101) 
1,901,157 

72,527 
29,043 
160,574 
(549) 
261,595 

49,989 
30,367 
149,833 
230,189 

446,858 
— 
446,858 
(72,527) 
374,331 
424,320 

88.2%

248,853 
17 
248,870 
(29,043) 
219,827 
250,177 

87.9%

1,447,338 
6,711 
1,454,049 
(321,362)     
1,132,687 
1,362,390 

83.1%   

1,244,502 
10,552 
1,255,054 
(160,574) 
1,094,480 
1,233,761 

88.7%

2022 Annual Report│26  

1 Recasted comparative figures for change in operating segments of the dedicated operations from US Conventional Truckload as a result of the sale of business of CFI. 
* Operating expenses excluding intra TL eliminations 

 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
 
   
   
   
   
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
 
   
   
   
   
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
 
   
   
   
   
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
 
   
 
   
 
   
 
   
 
Return on invested capital (“ROIC”): Management believes ROIC at the segment level is a useful measure in the efficiency in the use of capital funds. 

The Company calculates ROIC as segment operating income net of exclusions, after tax, divided by the segment average invested capital. Operating 

income net of exclusions, after tax, is calculated as the trailing twelve months of operating income before bargain purchase gain, gain or loss on the sale 

of land and buildings and assets held for sale, and amortization of intangible assets, after tax using the statutory tax rate of the Company. Average invested 

capital is calculated intangibles plus total assets excluding intangibles, net of trade and other payables, current taxes payable and provisions averaged 

Management’s Discussion and Analysis 

between the beginning and ending balance over a twelve-month period. 

Return on invested capital segment reconciliation: 

(unaudited) 
(in thousands of U.S. dollars) 

Package and Courier 
Operating income 
Amortization of intangible assets 
Operating income, net of exclusions 
Income tax 
Operating income net of exclusions, after tax 

Intangible assets 
Total assets, excluding intangible assets 
less: Trade and other payables, income taxes payable and provisions 
Total invested capital, current year 
Intangible assets, prior year 
Total assets, excluding intangible assets, prior year 
less: Trade and other payables, income taxes payable and provisions, prior year 
Total invested capital, prior year 
Average invested capital 
Return on invested capital 

Less-Than-Truckload - Canadian based LTL 

Operating income 
Gain on sale of assets held for sale 
Amortization of intangible assets 
Operating income, net of exclusions 
Income tax 
Operating income net of exclusions, after tax 

Intangible assets 
Total assets, excluding intangible assets 
less: Trade and other payables, income taxes payable and provisions 
Total invested capital, current year 
Intangible assets, prior year 
Total assets, excluding intangible assets, prior year 
less: Trade and other payables, income taxes payable and provisions, prior year 
Total invested capital, prior year 
Average invested capital 
Return on invested capital 

2022  

134,306 
645 
134,951 

26.5%  

99,189 

180,119 
182,605 
(67,428) 
295,296 
193,765 
186,116 
(65,438) 
314,443 
304,870 

32.5%  

143,014 
(660) 
7,713 
150,067 

26.5%  

110,299 

162,397 
352,949 
(77,439) 
437,907 
182,084 
373,655 
(74,241) 
481,498 
459,703 

24.0%  

As at
December 31
2021

108,440 
903 
109,343 

26.5%

80,367 

193,765 
186,116 
(65,438) 
314,443 
193,288 
194,631 
(66,793) 
321,126 
317,785 

25.3%

113,727 
(1,640) 
9,004 
121,091 

26.5%

89,002 

182,084 
373,655 
(74,241) 
481,498 
189,579 
403,549 
(76,608) 
516,520 
499,009 

17.8%

2022 Annual Report│27  

 
 
   
 
   
 
 
 
 
   
 
   
 
   
 
   
 
   
 
   
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
Return on invested capital segment reconciliation (continued): 

(unaudited) 
(in thousands of U.S. dollars) 

Truckload - Canadian based Conventional TL 

Operating income 
Gain on sale of land and buildings 
Gain on sale of assets held for sale 
Amortization of intangible assets 
Operating income, net of exclusions 
Income tax 
Operating income net of exclusions, after tax 

Intangible assets 
Total assets, excluding intangible assets 
less: Trade and other payables, income taxes payable and provisions 
Total invested capital, current year 
Intangible assets, prior year 
Total assets, excluding intangible assets, prior year 
less: Trade and other payables, income taxes payable and provisions, prior year 
Total invested capital, prior year 
Average invested capital 
Return on invested capital 

Truckload - Specialized TL* 

Operating income 
Gain on sale of assets held for sale 
Amortization of intangible assets 
Operating income, net of exclusions 
Income tax 
Operating income net of exclusions, after tax 

Intangible assets 
Total assets, excluding intangible assets 
less: Trade and other payables, income taxes payable and provisions 
Total invested capital, current year 
Intangible assets, prior year 
Total assets, excluding intangible assets, prior year 
less: Trade and other payables, income taxes payable and provisions, prior year 
Total invested capital, prior year 
Average invested capital 
Return on invested capital 

Logistics 

Operating income 
Loss on sale of land and buildings 
Amortization of intangible assets 
Bargain Purchase gain 
Operating income, net of exclusions 
Income tax 
Operating income net of exclusions, after tax 

Intangible assets 
Total assets, excluding intangible assets 
less: Trade and other payables, income taxes payable and provisions 
Total invested capital, current year 
Intangible assets, prior year 
Total assets, excluding intangible assets, prior year 
less: Trade and other payables, income taxes payable and provisions, prior year 
Total invested capital, prior year 
Average invested capital 
Return on invested capital 

Management’s Discussion and Analysis 

2022  

84,321 
(44) 
(15,485) 
1,958 
70,750 

26.5%  

52,001 

96,941 
185,740 
(40,671) 
242,010 
104,947 
169,197 
(28,473) 
245,671 
243,841 

21.3%  

236,414 
(6,711) 
20,495 
250,198 

26.5%  

183,896 

678,522 
906,564 
(151,097) 
1,433,989 
658,692 
791,293 
(139,683) 
1,310,302 
1,372,146 

13.4%  

140,446 
— 
21,990 
— 
162,436 

26.5%  

119,390 

468,547 
263,550 
(186,557) 
545,540 
454,612 
292,026 
(199,967) 
546,671 
546,106 

21.9%  

As at
December 31
2021

30,367 
— 
(17) 
2,124 
32,474 

26.5%

23,868 

104,947 
169,197 
(28,473) 
245,671 
96,737 
121,407 
(24,839) 
193,305 
219,488 

10.9%

149,833 
(10,553) 
17,394 
156,674 

26.5%

115,155 

658,692 
791,293 
(139,683) 
1,310,302 
615,865 
701,987 
(112,888) 
1,204,964 
1,257,633 

9.2%

142,794 
3 
22,683 
(12,000) 
153,480 

26.5%

112,808 

454,612 
292,026 
(199,967) 
546,671 
457,098 
272,592 
(144,305) 
585,385 
566,028 

19.9%

* Recasted comparative figures for change in operating segments of the dedicated operations from US Conventional Truckload as a result of the sale of business of CFI. 

Return on invested capital for US LTL : Management believes ROIC at the segment level is a useful measure in the efficiency in the use of capital funds 

and the ROIC calculation for U.S. LTL has been modified as compared to the other segment ROICs due to the impact of the bargain purchase gain to 

provide more consistent comparison to other segments ROIC calculation. The modification includes reducing the total assets, excluding intangible assets 

by the bargain purchase gain, using the acquisition price instead of the prior year invested capital, and reducing the current year total invested capital by 

the total liabilities of the US. 

2022 Annual Report│28  

 
 
   
 
   
 
 
 
 
 
   
 
   
 
   
 
   
 
   
 
   
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
 
(unaudited) 
(in thousands of U.S. dollars) 

Less-Than-Truckload - U.S. based LTL 

Operating income 
Loss on sale of land and buildings 
Gain on sale of assets held for sale 
Amortization of intangible assets 
Operating income, net of exclusions 
Income tax 
Operating income net of exclusions, after tax 
Intangible assets 
Total assets, excluding intangible assets 
less: Total liabilities 
Total invested capital, current year 
Total invested capital, acquisition price 
Average invested capital 
Return on invested capital 

Management’s Discussion and Analysis 

2022

327,793 
8 

(55,054)     
1,118 
273,865 

26.5%    

201,291 
5,401 
1,483,288 

(637,340)     
851,349 
838,910 
845,130 

23.8%    

As at
December 31
2021*

— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 

* The return on invested capital for the U.S. LTL is not disclosed as the trailing twelve-month information was not available for 2021. 

2022 Annual Report│29  

 
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
 
   
 
Management’s Discussion and Analysis 

RISKS AND UNCERTAINTIES 

The Company’s future results may be affected by a number of factors over many of which the Company has little or no control. 

The following discussion of risk factors contains forward-looking statements. The following issues, uncertainties and risks, among 

others, should be  considered in evaluating the  Company’s business, prospects, financial condition,  results of operations  and 

cash flows. 

Competition. The Company faces growing competition from other transporters in Canada, the United States and Mexico. These 

factors, including the following, could impair the Company’s ability to maintain or improve its profitability and could have a material 

adverse effect on the Company’s results of operations: 

 

 

 

 

the Company competes with many other transportation companies of varying sizes, including Canadian, U.S. and Mexican 

transportation companies; 

the  Company’s competitors may periodically reduce  their freight  rates to gain business,  which may limit the Company’s 

ability to maintain or increase freight rates or maintain growth in the Company’s business; 

some of the Company’s customers are other transportation companies or companies that also operate their own private 

trucking fleets, and they may decide to transport more of their own freight or bundle transportation with other services; 

some of the Company’s customers may reduce the number of carriers they use by selecting so-called “core carriers” as 

approved service providers or by engaging dedicated providers, and in some instances the Company may not be selected; 

  many  customers  periodically  accept  bids  from  multiple  carriers  for  their  shipping  needs,  and  this  process  may  depress 

freight rates or result in the loss of some of the Company’s business to competitors; 

 

the  market  for  qualified  drivers  is  highly  competitive,  particularly  in  the  Company’s  growing  U.S.  operations,  and  the 

Company’s inability to attract and retain drivers could reduce its equipment utilization and cause the Company to increase 

 

 

 

 

 

 

 

 

compensation, both of which would adversely affect the Company’s profitability; 

economies  of  scale that  may be passed  on to smaller carriers by procurement aggregation providers may  improve their 

ability to compete with the Company; 

some of the Company’s smaller competitors may not yet be fully compliant with recently-enacted regulations which may 

allow such competitors to take advantage of additional driver productivity; 

advances  in  technology,  such  as  advanced  safety  systems,  automated  package  sorting,  handling  and  delivery,  vehicle 

platooning, alternative fuel vehicles,  autonomous  vehicle technology and  digitization of freight services, may require the 

Company  to  increase  investments  in  order  to  remain  competitive,  and  the  Company’s  customers  may  not  be  willing  to 

accept higher freight rates to cover the cost of these investments; 

the  Company’s competitors  may  have  better  safety  records than the  Company  or  a  perception  of  better safety  records, 

which could impair the Company’s ability to compete; 

some high-volume package shippers, such as Amazon.com, are developing and implementing in-house delivery capabilities 

and utilizing independent contractors for deliveries, which could in turn reduce the Company’s revenues and market share; 

the Company’s brand names may be subject to adverse publicity (whether or not justified) and lose significant value, which 

could result in reduced demand for the Company’s services; 

competition from freight brokerage companies may materially adversely affect the Company’s customer relationships and 

freight rates; and 

higher  fuel  prices  and,  in  turn,  higher  fuel  surcharges  to  the  Company’s customers  may cause some  of  the  Company’s 

customers to consider freight transportation alternatives, including rail transportation. 

Regulation.  In  Canada,  carriers  must  obtain  licenses  issued  by  provincial  transport  boards  in  order  to  carry  goods  inter-

provincially or to transport goods within any province. Licensing from U.S. and Mexican regulatory authorities is also required for 

the transportation of goods in Canada, the United States, and Mexico. Any change in or violation of existing or future regulations 

could have an adverse impact on the scope of the Company’s activities. Future laws and regulations may be more stringent, 

require changes in the Company’s operating practices, influence the demand for transportation services or require the Company 

to incur significant additional costs. Higher costs incurred by the Company, or by the Company’s suppliers who pass the costs 

onto the Company through higher supplies and materials pricing, could adversely affect the Company’s results of operations. 

In addition to the regulatory regime applicable to operations in Canada, the Company is increasing its operations in the United 

States,  and  is  therefore  increasingly  subject  to  rules  and  regulations  related  to  the  U.S.  transportation  industry,  including 

2022 Annual Report │30  

 
 
Management’s Discussion and Analysis 

regulation from various federal, state and local agencies, including the Department of Transportation (“DOT”) (in part through the 

Federal Motor Carrier Safety Administration (“FMCSA”)), the Environmental Protection Agency (“EPA”) and the Department of 

Homeland Security. Drivers must, both in Canada and the United States, comply with safety and fitness regulations, including 

those  relating  to  drug  and  alcohol  testing,  driver  safety  performance  and  hours  of  service.  Weight  and  dimensions,  exhaust 

emissions and fuel efficiency are also subject to government regulation. The Company may also become subject to new or more 

restrictive regulations relating to fuel efficiency, exhaust emissions, hours of service, drug and alcohol testing, ergonomics, on-

board reporting of operations, collective bargaining, security at ports, speed limitations, driver training and other matters affecting 

safety or operating methods.  

In the United States, there are currently two methods of evaluating the safety and fitness of carriers: the Compliance, Safety, 

Accountability (“CSA”) program, which  evaluates  and ranks fleets on  certain safety-related  standards  by  analyzing  data from 

recent safety events and investigation results, and the DOT safety rating, which is based on an on-site investigation and affects 

a carrier’s ability to operate in interstate commerce. Additionally, the FMCSA has proposed rules in the past that would change 

the methodologies used to determine carrier safety and fitness.  

Under the CSA program, carriers are evaluated and ranked against their peers based on seven categories of safety-related data. 

The  seven  categories  of  safety-related  data  currently  include  Unsafe  Driving,  Hours-of-Service  Compliance,  Driver  Fitness, 

Controlled Substances/Alcohol, Vehicle Maintenance, Hazardous Materials Compliance and Crash Indicator (such categories 

known  as  “BASICs”).  Carriers  are  grouped  by  category  with  other  carriers  that  have  a  similar  number  of  safety  events  (i.e. 

crashes,  inspections,  or  violations)  and  carriers  are  ranked  and  assigned  a  rating  percentile  or  score.  If  the  Company  were 

subject to any such interventions, this could have an adverse effect on the Company’s business, financial condition and results 

of operations. As a result, the Company’s fleet could be ranked poorly as compared to peer carriers. There is no guarantee that 

the Company  will be  able to  maintain its current safety  ratings or that it will not be subject to interventions  in the future. The 

Company recruits first-time drivers to be part of its fleet, and these drivers may have a higher likelihood of creating adverse safety 

events under CSA. The occurrence of future deficiencies could affect driver recruitment in the United States by causing high-

quality  drivers  to  seek  employment  with  other  carriers  or  limit  the  pool  of  available  drivers  or  could  cause  the  Company’s 

customers to direct their business away from the Company and to carriers with higher fleet safety rankings, either of which would 

materially adversely affect the Company’s business, financial condition and results of operations. In addition, future deficiencies 

could increase the Company’s insurance expenses. Additionally, competition for drivers with favorable safety backgrounds may 

increase, which could necessitate increases in driver-related compensation costs. Further, the Company may incur greater than 

expected expenses in its attempts to improve unfavorable scores. 

In December 2016, the FMCSA issued a final rule establishing a national clearinghouse for drug and alcohol testing results and 

requiring motor carriers and medical review officers to provide records of violations by commercial drivers of FMCSA drug and 

alcohol testing requirements. Motor carriers in the United States will be required to query the clearinghouse to ensure drivers 

and  driver  applicants  do  not  have  violations  of  federal  drug  and  alcohol  testing  regulations that  prohibit  them  from  operating 

commercial motor vehicles. The final rule became effective on January 4, 2017, with a compliance date of January 6, 2020. In 

December  2019,  however,  the  FMCSA  announced  a  final  rule  extending  by  three  years  the  date  for  state  driver’s  licensing 

agencies to comply with certain requirements. The December 2016 commercial driver’s license rule required states to request 

information from the clearinghouse about individuals prior to issuing, renewing, upgrading or transferring a commercial driver’s 

license. This new action will allow states’ compliance with the requirement, which was set to begin January 2020, to be delayed 

until  January  2023.  The  compliance  date  of  January  2020  remained  in  place  for  all  other  requirements  set  forth  in  the 

clearinghouse  final  rule,  however.  Upon  implementation,  the  rule  may  reduce  the  number  of  available  drivers  in  an  already 

constrained driver market. Pursuant to a new rule finalized by the FMCSA, effective November 2021, states are required to query 

the clearinghouse when issuing, renewing, transferring, or upgrading a commercial drivers license and must revoke a driver’s 

commercial driving privileges if such driver is prohibited from driving a motor vehicle for one or more drug or alcohol violations. 

In addition, other rules have been proposed or made final by the FMCSA, including (i) a rule requiring the use of speed-limiting 

devices on heavy-duty tractors to restrict maximum speeds, which was proposed in 2016, and (ii) a rule setting out minimum 

driver training standards for new drivers applying for commercial driver’s licenses for the first time and to experienced drivers 

upgrading  their  licenses  or  seeking  a  hazardous  materials  endorsement,  which  was  made  final  in  December  2016  with  a 

compliance date in February 2020 (FMCSA officials delayed implementation of the final rule by two years). In July 2017, the DOT 

announced that it would no longer pursue a speed limiter rule, but left open the possibility that it could resume such a pursuit in 

2022 Annual Report │31  

 
 
Management’s Discussion and Analysis 

the future. In May 2021, however, a bill was reintroduced in the U.S. House of Representatives that would require commercial 

motor  vehicles  with  gross  weight  exceeding  26,000  pounds  to  eb  equipped  with  a  speed  limiting  device,  prohibiting  speeds 

greater than 65 miles per hour. Whether the bill will become law is uncertain. The effect of these rules, to the extent they become 

effective, could result in a decrease in fleet production and/or driver availability, either of which could materially adversely affect 

the Company’s business, financial condition and results of operations. 

The Company’s subsidiaries with U.S. operating authority currently have a satisfactory DOT rating, which is the highest available 

rating  under  the  current  safety  rating  scale.  If  the  Company’s  subsidiaries  with  U.S.  operating  authority  were  to  receive  a 

conditional or unsatisfactory DOT safety rating, it could materially adversely affect the Company’s business, financial condition 

and results of operations as customer contracts may require a satisfactory DOT safety rating, and a conditional or unsatisfactory 

rating could materially adversely affect or restrict the Company’s operations and increase the Company’s insurance costs.  

The  FMCSA  has  proposed  regulations that  would  modify the  existing  rating  system  and  the  safety  labels  assigned  to  motor 

carriers evaluated by the DOT. Under regulations that were proposed in 2016, the methodology for determining a carrier’s DOT 

safety rating would be expanded to include the on-road safety performance of the carrier’s drivers and equipment, as well as 

results obtained from investigations. Exceeding certain thresholds based on such performance or results would cause a carrier 

to receive an unfit safety rating. The proposed regulations were withdrawn in March 2017, but the FMCSA noted that a similar 

process may be initiated in the future. If similar regulations were enacted and the Company were to receive an unfit or other 

negative safety rating, the Company’s business would be materially adversely affected in the same manner as if it received a 

conditional  or  unsatisfactory  safety  rating  under  the  current  regulations.  In  addition,  poor  safety  performance  could  lead  to 

increased risk of liability, increased insurance, maintenance and equipment costs and potential loss of customers, which could 

materially adversely affect the Company’s business, financial condition and results of operations. The FMCSA has also indicated 

that it is in the early phases of a new study on the causation of large truck crashes. Although it remains unclear whether such a 

study will ultimately be completed, the results of such study could spur further proposed and/or final rules regarding safety and 

fitness in the United States. 

From time to time, the FMCSA proposes and implements changes to regulations impacting hours-of-service.  Such changes can 

negatively impact the Company’s productivity and affect its operations and profitability by reducing the number of hours per day 

or week the Company’s U.S. drivers and independent contractors may operate and/or disrupt the Company’s network.  However, 

in August 2019, the FMCSA issued a proposal to make changes to its hours-of-service rules that would allow U.S. truck drivers 

more flexibility with their 30-minute rest break and with dividing their time in the sleeper berth.  It also would extend by two hours 

the duty  time  for  U.S. drivers encountering adverse weather, and  extend the shorthaul exemption  by  lengthening the drivers’ 

maximum on-duty period from 12 hours to 14 hours.  In June 2020, the FMCSA adopted a final rule substantially as proposed, 

which became effective in September 2020.  Certain industry groups have challenged these rules in U.S. courts, and it remains 

unclear  what,  if  anything,  will  come  from  such  challenges.  Any  future  changes  to  U.S.  hours-of-service  regulations  could 

materially and adversely affect the Company’s operations and profitability. 

The U.S. National Highway Traffic Safety Administration, the EPA and certain U.S. states, including California, have adopted 

regulations that are aimed at reducing tractor emissions and/or increasing fuel economy of the equipment the Company uses. 

Certain of these regulations are currently effective, with stricter emission and fuel economy standards becoming effective over 

the next several years. Other regulations have been proposed in the United States that would similarly increase these standards. 

U.S. federal and state lawmakers and regulators have also adopted or are considering a variety of other climate-change legal 

requirements  related  to  carbon  emissions  and  greenhouse  gas  emissions.    These  legal  requirements  could  potentially  limit 

carbon emissions within certain states and municipalities in the United States. Certain of these legal requirements restrict the 

location  and  amount  of  time  that  diesel-powered  tractors  (like  the  Company’s)  may  idle,  which  may  force  the  Company  to 

purchase on-board power units that do not require the engine to idle or to alter the Company’s drivers’ behavior, which might 

result  in  a  decrease  in  productivity  and/or  an  increase  in  driver  turnover.  All  of  these  regulations  have  increased,  and  may 

continue to increase, the  cost of new tractors  and trailers  and may require the  Company to  retrofit  certain  of  its tractors  and 

trailers, may increase its maintenance costs, and could  impair equipment productivity  and  increase the  Company’s  operating 

costs, particularly if such costs are not offset by potential fuel savings. The occurrence of any of these adverse effects, combined 

with the uncertainty as to the reliability of the newly-designed diesel engines and the residual values of the Company’s equipment, 

could materially adversely affect the Company’s business, financial condition and results of operations. Furthermore, any future 

regulations that impose restrictions, caps, taxes or other controls on emissions of greenhouse gases could adversely affect the 

2022 Annual Report │32  

 
 
Management’s Discussion and Analysis 

Company’s operations and financial results. The Company cannot predict the extent to which its operations and productivity will 

be  impacted  by  any  future  regulations.  The  Company  will  continue  monitoring  its  compliance  with  U.S.  federal  and  state 

environmental regulations. 

In March 2014, the U.S. Ninth Circuit Court of Appeals (the “Ninth Circuit”) held that the application of California state wage and 

hour laws to interstate truck drivers is not pre-empted by U.S. federal law. The case was appealed to the U.S. Supreme Court, 

which denied certiorari in May 2015, and accordingly, the Ninth Circuit decision stood. However, in December 2018, the FMCSA 

granted a petition filed by the American Trucking Associations determining that federal law pre-empts California’s wage and hour 

laws, and interstate truck drivers are not subject to such laws.  The FMCSA’s decision was appealed by labor groups and multiple 

lawsuits were filed in U.S. courts seeking to overturn the decision. I January 2021, however, the Ninth Circuit upheld the FMCSA’s 

determination that U.S. federal law does pre-empt California’s meal and rest break laws, as applied to drivers of property-carrying 

commercial motor vehicles. Other current and future U.S. state and local wage and hour laws, including laws related to employee 

meal breaks and rest periods, may vary significantly from U.S. federal law. Further, driver piece rate compensation, which is an 

industry standard, has been attacked as non-compliant with state minimum wage laws.  As a result, the Company, along with 

other  companies  in  the  industry,  is subject  to  an  uneven  patchwork  of  wage  and  hour  laws  throughout  the  United  States.  In 
addition, the uncertainty with respect to the practical application of wage and hour laws are, and in the future may be, resulting 
in  additional costs  for the  Company  and  the  industry  as  a  whole,  and  a  negative  outcome  with  respect  to  any  of  the  above-

mentioned lawsuits could materially affect the Company.  If U.S. federal legislation is not passed pre-empting state and local 

wage and hour laws, the Company will either need to continue complying with the most restrictive state and local laws across its 

entire fleet in the United States, or revise its management systems to comply with varying state and local laws. Either solution 

could result in increased compliance and labor costs, driver turnover, decreased efficiency and increased risk of non-compliance. 

In April 2016, the Food and Drug Administration (“FDA”) published a final rule establishing requirements for shippers, loaders, 

carriers  by  motor  vehicle  and  rail vehicle,  and  receivers  engaged  in  the transportation  of  food, to  use sanitary transportation 

practices to ensure the safety of the food they transport as part of the FSMA.  This rule sets forth requirements related to (i) the 

design and maintenance of equipment used to transport food, (ii) the measures taken during food transportation to ensure food 

safety, (iii) the training of carrier personnel in sanitary food transportation practices, and (iv) maintenance and retention of records 

of written procedures, agreements, and training related to the foregoing items.  These requirements took effect for larger carriers 

in April 2017 and apply to the Company when it acts as a carrier or as a broker. If the Company is found to be in violation of 

applicable laws or regulations related to the FSMA or if the Company transports food or goods that are contaminated or are found 

to cause illness and/or death, the Company could  be subject to substantial fines, lawsuits, penalties and/or criminal and civil 

liability,  any  of  which  could  have  a  material  adverse  effect  on  the  Company’s  business,  financial  condition,  and  results  of 

operations.  

Changes in existing regulations and implementation of new regulations, such as those related to trailer size limits, emissions and 

fuel economy, hours of service, mandating ELDs and drug and alcohol testing in Canada, the United States and Mexico, could 

increase capacity in the industry or improve the position of certain competitors, either of which could negatively impact pricing 

and volumes or require additional investments by the Company. The short-term and long-term impacts of changes in legislation 

or regulations are difficult to predict and could materially adversely affect the Company’s results of operations. 

The  right  to  continue  to  hold  applicable  licenses  and  permits  is  generally  subject to  maintaining  satisfactory  compliance  with 

regulatory  and safety  guidelines, policies and laws. Although the Company  is committed to compliance  with laws  and safety, 

there is no assurance that it will be in full compliance with them at all times. Consequently, at some future time, the Company 

could be required to incur significant costs to maintain or improve its compliance record. 

United States and Mexican operations. A significant portion of the Company’s revenue is derived from operations in the United 

States and transportation to and from Mexico. The Company’s international operations are subject to a variety of risks, including 

fluctuations in foreign currencies, changes in the economic strength or greater volatility in the economies of foreign countries in 

which the Company does business, difficulties in enforcing contractual rights and intellectual property rights, compliance burdens 

associated  with  export  and  import  laws,  theft  or  vandalism,  and  social,  political  and  economic  instability.  The  Company’s 

international  operations  could  be adversely  affected  by  restrictions  on  travel.  Additional  risks  associated  with the  Company’s 

international operations include restrictive trade policies, imposition of duties, changes to trade agreements and other treaties, 

taxes or government royalties by foreign governments, adverse changes in the regulatory environments, including in tax laws 

and regulations, of the foreign countries in which the Company does business, compliance with anti-corruption and anti-bribery 

2022 Annual Report │33  

 
 
Management’s Discussion and Analysis 

laws,  restrictions  on  the  withdrawal  of  foreign  investments,  the  ability  to  identify  and  retain  qualified  local  managers  and  the 

challenge of managing a culturally and geographically diverse operation. The Company cannot guarantee compliance with all 

applicable laws, and violations could result in substantial fines, sanctions, civil or criminal penalties, competitive or reputational 

harm, litigation or regulatory action and other consequences that might adversely affect the Company’s results of operations. 

The current United States Presidential Administration provided informal guidance that it is in favor of certain changes to U.S. tax 

law, including increasing the corporate tax rate from its current rate of 21%. In the event that the corporate tax rate is increased, 

the Company’s financial position, and financial results from its United States operations may be adversely affected.  

The implementation of tariffs or quotas or changes to certain trade agreements could, among other things, increase the costs of 

the  materials  used  by  the  Company’s  suppliers  to  produce  new  revenue  equipment  or  increase  the  price  of  fuel.  Such  cost 

increases for the Company’s revenue equipment suppliers would likely be passed on to the Company, and to the extent fuel 

prices increase, the Company may  not  be able to fully  recover such increases  through rate increases  or  the Company’s fuel 

surcharge program, either of which could have a material adverse effect on the Company’s business. 

The  United  States-Mexico-Canada  Agreement  (“USMCA”)  entered  into  effect  in  July  2020.    The  USMCA  is  designed  to 

modernize  food  and  agriculture  trade,  advance  rules  of  origin  for  automobiles  and  trucks,  and  enhance  intellectual  property 

protections, among other matters, according to the Office of the U.S. Trade Representative.  It is difficult to predict at this stage 

what could be the impact of the USMCA on the economy, including the transportation industry.  However, given the amount of 

North American trade that moves by truck it could have a significant impact on supply and demand in the transportation industry, 

and could adversely impact the amount, movement and patterns of freight transported by the Company.  

The  U.S.  Department  of  Treasury  has  broad  authority  to  issue  regulations  and  interpretative  guidance  that  may  significantly 

impact how the Company will apply the law and impact the Company’s results of operations in future periods. The timing and 

scope of such regulations and interpretative guidance are uncertain. In addition, there is a risk that states within the United States 

or foreign jurisdictions may amend their tax laws in response to these tax reforms, which could have a material adverse effect 

on the Company’s results.  

In  addition,  if  the  Company  is  unable  to  maintain  its  Free  and  Secure  Trade  (“FAST”)  and  U.S.  Customs  Trade  Partnership 

Against Terrorism (“C-TPAT”) certification statuses, it may have significant border delays, which could cause its cross-border 

operations  to  be  less  efficient  than  those  of  competitor  carriers  that  obtain  or  continue  to  maintain  FAST  and  C-TPAT 

certifications. 

Operating  Environment  and  Seasonality.  The  Company  is  exposed  to  the  following  factors,  among  others,  affecting  its 

operating environment: 

 

the Company’s future insurance and claims expense, including the cost of its liability insurance premiums and the number 

and dollar amount of claims, may exceed historical levels, which would require the Company to incur additional costs and 

could reduce the Company’s earnings;  

 

 

a decline in the demand for used revenue equipment could result in decreased equipment sales, lower resale values and 

lower gains (or recording losses) on sales of assets; 

tractor  and  trailer  vendors  may  reduce  their  manufacturing  output  in  response  to  lower  demand  for  their  products  in 

economic  downturns  or  shortages  of  component  parts,  including  the  current  shortage  of  semiconductors  and  other 

components and supplies, such as steel, which may materially adversely affect the Company’s ability to purchase a quantity 

of new revenue equipment that is sufficient to sustain its desired growth rate and negatively impact the Company’s financial 

results if it incurs higher costs to purchase tractors and trailers; and 

 

increased prices for new revenue equipment, design changes of new engines, reduced equipment efficiency resulting from 

new engines designed to reduce emissions, or decreased availability of new revenue equipment. 

The Company’s tractor productivity decreases during the  winter season because  inclement weather impedes operations and 

some shippers reduce their shipments after the winter holiday season. Revenue may also be adversely affected by inclement 

weather  and  holidays,  since  revenue  is  directly  related  to  available  working  days  of  shippers.  At  the  same  time,  operating 

expenses increase and fuel efficiency declines because of engine idling and harsh weather creating higher accident frequency, 

increased  claims  and  higher  equipment  repair  expenditures.  The  Company  may  also  suffer  from  weather-related  or  other 

unforeseen events such as tornadoes, hurricanes, blizzards, ice storms, floods, and fires, which may increase in frequency and 

severity  due to climate  change,  as  well  as  other man-made  disasters.  These  events may  disrupt  fuel  supplies,  increase  fuel 

2022 Annual Report │34  

 
 
Management’s Discussion and Analysis 

costs, disrupt freight shipments  or routes,  affect regional  economies,  damage  or destroy the  Company’s assets or adversely 

affect  the  business  or  financial  condition  of  the  Company’s  customers,  any  of  which  could  materially  adversely  affect  the 

Company’s results of operations or make the Company’s results of operations more volatile. 

General  Economic,  Credit,  and  Business  Conditions.  The  Company’s  business  is  subject  to  general  economic,  credit, 

business and regulatory factors that are largely beyond the Company’s control, and which could have a material adverse effect 

on the Company’s operating results. 

The Company’s industry is subject to cyclical pressures, and the Company’s business is dependent on a number of factors that 

may have a material adverse effect on its results of operations, many of which are beyond the Company’s control. The Company 

believes  that some  of the  most significant  of  these  factors  include (i)  excess  tractor  and  trailer  capacity  in the  transportation 

industry in comparison with shipping demand; (ii) declines in the resale value of used equipment; (iii) limited supply and increased 

cost of new and used equipment; (iv) recruiting and retaining qualified drivers; (v) strikes, work stoppages or work slowdowns at 

the Company’s facilities or at customer, port, border crossing or other shipping-related facilities; (vi) compliance with ongoing 

regulatory  requirements;  (vii)  increases  in  interest  rates,  fuel  taxes,  tolls  and  license  and  registration  fees;  and  (vii)  rising 

healthcare and insurance and claims costs in the United States; and (ix) the impact of the COVID-19 pandemic. 

The  Company  is  also  affected  by  (i)  recessionary  economic  cycles,  which  tend  to  be  characterized  by  weak  demand  and 

downward pressure on rates; (ii) changes in customers’ inventory levels and in the availability of funding for their working capital; 

(iii) changes in the way in which the Company’s customers choose to source or utilize the Company’s services; and (iv) downturns 

in customers’ business cycles, such as retail and manufacturing, where the Company has significant customer concentration. 

Economic  conditions  may  adversely  affect  customers  and  their  demand  for  and  ability  to  pay  for  the  Company’s  services. 

Customers encountering adverse economic conditions represent a greater potential for loss and the Company may be required 

to increase its allowance for doubtful accounts. 

Economic  conditions  that  decrease  shipping  demand  and  increase  the  supply  of  available  tractors  and  trailers  can  exert 

downward pressure on rates and equipment utilization, thereby decreasing asset productivity. The risks associated with these 

factors are heightened when the economy is weakened. Some of the principal risks during such times include: 

 

 

 

 

 

 

the Company may experience a reduction in overall freight levels, which may impair the Company’s asset utilization; 

freight patterns may change as supply chains are redesigned, resulting in an imbalance between the Company’s capacity 

and assets and customers’ freight demand; 

the Company may be forced to accept more loads from freight brokers, where freight rates are typically lower, or may be 

forced to incur more non-revenue generating miles to obtain loads; 

the  Company  may  increase the  size  of  its fleet  during  periods  of  high  freight  demand  during  which  its  competitors  also 

increase  their  capacity,  and  the  Company  may  experience  losses  in  greater  amounts  than  such  competitors  during 

subsequent cycles of softened freight demand if the Company is required to dispose of assets at a loss to match reduced 

freight demand; 

customers may  solicit bids for freight from multiple  trucking companies or  select competitors that  offer lower rates  in an 

attempt to lower their costs, and the Company may be forced to lower its rates or lose freight; and  

lack of access to current sources of credit or lack of lender access to capital, leading to an inability to secure credit financing 

on satisfactory terms, or at all. 

The Company is subject to cost increases that are outside the Company’s control that could materially reduce the Company’s 

profitability if it is unable to increase its rates sufficiently. Such cost increases include, but are not limited to, increases in fuel and 

energy  prices,  driver  and  office  employee  wages,  purchased  transportation  costs,  taxes,  interest  rates,  tolls,  license  and 

registration fees, insurance premiums and claims, revenue equipment and related maintenance, and tires and other components. 

Strikes  or  other  work  stoppages  at  the  Company’s  service  centers  or  at  customer,  port,  border  or  other  shipping  locations, 

deterioration of Canadian, U.S. or Mexican transportation infrastructure and reduced investment in such infrastructure, or actual 

or  threatened  armed  conflicts  or terrorist  attacks,  efforts  to  combat  terrorism,  military  action  against a  foreign  state  or  group 

located in a foreign state or heightened security requirements could lead to wear, tear and damage to the Company’s equipment, 

driver dissatisfaction, reduced economic demand, reduced availability of credit, increased prices for fuel or temporary closing of 

the shipping locations or borders between Canada, the United States and Mexico. Further, the Company may not be able to 

2022 Annual Report │35  

 
 
Management’s Discussion and Analysis 

appropriately adjust its costs and staffing levels to meet changing market demands. In periods of rapid change, it is more difficult 

to match the Company’s staffing level to its business needs. 

The Company’s operations, with the exception of its brokerage operations, are capital intensive and asset heavy. If anticipated 

demand differs materially from actual usage, the Company may have too many or too few assets. During periods of decreased 

customer demand, the Company’s asset utilization may suffer, and it may be forced to sell equipment on the open market or turn 

in equipment under certain equipment leases in order to right size its fleet. This could cause the Company to incur losses on 

such sales or require payments in connection with equipment the Company turns in, particularly during times of a softer used 

equipment market, either of which could have a material adverse effect on the Company’s profitability. 

Although the Company’s business volume is not highly concentrated, its customers’ financial failures or loss of customer business 

may materially adversely affect the Company. If the Company were unable to generate sufficient cash from operations, it would 

need to seek alternative sources of capital, including financing, to meet its capital requirements. In the event that the Company 

were unable to generate sufficient cash from operations or obtain financing on favorable terms in the future, it may have to limit 

its fleet size, enter into less favorable financing arrangements or operate its revenue equipment for longer periods, any of which 

could have a materially adverse effect on its profitability. 

Coronavirus and its variants (“COVID-19”) outbreak or other similar outbreaks. The recent outbreak of COVID-19, and any 

other outbreaks of contagious diseases or other adverse public health developments, could have a materially adverse effect on 

the Company’s financial condition, liquidity,  results of  operations, and cash flows. The  outbreak of  COVID-19  has resulted in 

governmental  authorities  implementing  numerous  measures  to  try  to  contain  the  virus,  such  as  travel  bans  and  restrictions, 

quarantines, shelter in  place orders,  increased  border and port controls and closures, and  shutdowns. There  is  considerable 

uncertainty regarding such measures and potential future measures, including vaccine, testing and masks mandates, all of which 

could  limit  the  Company’s  ability to  meet  customer  demand,  as  well  as  reduce customer  demand.  Furthermore,  government 

vaccine, testing, and mask mandates may increase the Company’s turnover and make recruiting more difficult, particularly among 

the Company’s driver personnel. 

Certain of the Company’s office personnel have been working remotely, which could disrupt to a certain extent the Company’s 

management,  business,  finance,  and  financial  reporting  teams.  The  Company  may  experience  an  increase  in  absences  or 

terminations among its driver and non-driver personnel due to the outbreak of COVID-19, which could have a materially adverse 

effect  on  the  Company’s  operating  results.    Further,  the  Company’s  operations,  particularly  in  areas  of  increased  COVID-19 

infections, could be disrupted resulting in a negative impact on the Company’s operations and results.   

The outbreak of COVID-19 has significantly increased uncertainty. Risks related to a slowdown or recession are described in the 

Company’s risk factor titled “General Economic, Credit and Business Conditions”. 

Short-term  and  long-term  developments  related  to  COVID-19  have  been  unpredictable  and  the  extent  to  which  further 

developments could impact the Company’s operations, financial condition, access to credit, liquidity, results of operations, and 

cash flows is highly uncertain. Such developments may include the geographic spread and duration of the virus, the distribution 

and  availability  of  vaccines,  vaccine  hesitancy,  the  severity  of  the  disease  and  the  actions  that  may  be  taken  by  various 

governmental authorities and other third parties in response to the outbreak. 

In  November  2021,  the  U.S.  Department  of  Labor’s  Occupational  Safety  and  Health  Administration  (“OSHA”)  published  an 

emergency temporary standard requiring all employers within the U.S. with over 100 employees to ensure that their employees 

are fully vaccinated or, in the alternative, to ensure that all unvaccinated employees return a negative COVID-19 test at least 

once a week before coming to work. However, the United States Supreme Court blocked this emergency temporary standard 

from coming into effect. 

Effective January 2022, the Canadian government is prohibiting unvaccinated foreigners, including U.S. citizens, from crossing 

the border.  Effective  January 2022,  the U.S.  Government  is  prohibiting unvaccinated foreigners,  including  Canadian  citizens, 

from crossing the U.S.-Canada border and the U.S.-Mexico border. The effect of these border requirements, in addition to any 

other vaccine, testing, or mask mandates that go into effect may, amongst other things, (i) cause the Company’s employees to 

go to smaller employers, especially if any future mandates are only subject to larger employers, or leave the trucking industry 

altogether, (ii) result in logistical  issues, increased expenses,  and operational issues  resulting from ensuring compliance with 

such mandates, such as the costs of arranging for COVID-19 tests for the Company’s unvaccinated employees, especially for 

2022 Annual Report │36  

 
 
Management’s Discussion and Analysis 

the Company’s unvaccinated drivers, (iii) result in increased costs relating to recruiting and training of drivers, and (iv) result in 

decreased revenue and other operational issues if we are unable to recruit and retain drivers. Any such vaccine, testing, or mask 

mandate that is interpreted as to apply to commercial drivers would significantly reduce the pool of drivers available to us and 

the  industry  as  a  whole,  exacerbating  the  current  driver  shortage  even  further.  Accordingly,  any  vaccine,  testing,  or  mask 

mandate, to the extent that it goes into effect, may have a material adverse effect on the Company’s  business, the Company’s 

operations, and the Company’s financial condition and position. 

Interest  Rate  Fluctuations.  Future  cash  flows  related  to  variable-rate  financial  liabilities  could  be  impacted  by  changes  in 

benchmark rates such as Bankers’ Acceptance or secured overnight financing rate published by the Federal Reserve Bank of 

New York ("SOFR"). In addition, the Company is exposed to gains and losses arising from changes in interest rates through its 

derivative financial instruments carried at fair value. 

Currency  Fluctuations.  The  Company’s  financial  results  are  reported  in  U.S.  dollars  and  a  large  portion  of  the  Company’s 

revenue and operating costs are realized in currencies other than the U.S. dollar, primarily the Canadian dollar. The exchange 

rates between these currencies and the U.S. dollar have fluctuated in recent years and will likely continue to do so in the future. 

It is not possible to mitigate all exposure to fluctuations in foreign currency exchange rates. The results of operations are therefore 

affected by movements of these currencies against the U.S. dollar. 

Price and Availability of Fuel. Fuel is one of the Company’s largest operating expenses. Diesel fuel prices fluctuate greatly due 

to factors beyond the Company’s control, such as political events, commodity futures trading, currency fluctuations, natural and 

man-made disasters, terrorist activities and armed conflicts, any of which may lead to an increase in the cost of fuel. Fuel prices 

are also affected by the rising demand for fuel in developing countries and could be materially adversely affected by the use of 

crude oil and oil reserves for purposes other than fuel production and by diminished drilling activity. Such events may lead not 

only  to  increases  in fuel  prices,  but  also  to  fuel shortages  and  disruptions  in the  fuel supply  chain. Because  the  Company’s 

operations are dependent upon diesel fuel, significant diesel fuel cost increases, shortages or supply disruptions could have a 

material adverse effect on the Company’s business, financial condition and results of operations. 

While the Company has fuel surcharge programs in place with a majority of the Company’s customers, which historically have 

helped the Company offset the majority of the negative impact of rising fuel prices, the Company also incurs fuel costs that cannot 

be  recovered  even  with  respect  to  customers  with  which  the  Company  maintains  fuel  surcharge  programs,  such  as  those 

associated  with  non-revenue  generating  miles  or  time  when the  Company’s  engines  are  idling.  Moreover,  the  terms  of  each 

customer’s fuel surcharge program vary from one division to another, and the recoverability for fuel price increases varies as 

well.  In  addition,  because  the  Company’s  fuel  surcharge  recovery  lags  behind  changes  in  fuel  prices,  the  Company’s  fuel 

surcharge recovery may not capture the increased costs the Company pays for fuel, especially when prices are rising. This could 

lead to fluctuations in the Company’s levels of reimbursement, such as has occurred in the past. There can be no assurance that 

such fuel surcharges can be maintained indefinitely or that they will be fully effective. 

Insurance.  The  Company’s  operations  are  subject  to  risks  inherent  in  the  transportation  sector,  including  personal  injury, 

property  damage,  workers’  compensation  and  employment  and  other  issues.  The  Company’s  future  insurance  and  claims 

expenses may exceed historical levels, which could reduce the Company’s earnings. The Company subscribes for insurance in 

amounts  it  considers  appropriate  in  the  circumstances  and  having  regard  to  industry  norms.  Like  many  in  the  industry,  the 

Company self-insures a significant portion of the claims exposure related to cargo loss, bodily injury, workers’ compensation and 

property damages.  Due  to  the Company’s significant  self-insured  amounts, the  Company  has  exposure to  fluctuations in the 

number or severity of claims and the risk of being required to accrue or pay additional amounts if the Company’s estimates are 

revised  or  claims  ultimately  prove  to  be  in  excess  of  the  amounts  originally  assessed.  Further,  the  Company’s  self-insured 

retention levels could change and result in more volatility than in recent years. 

The Company holds a fully-fronted policy of CAD $10 million limit per occurrence for automobile bodily injury, property damage 

and  commercial  general  liability  for  its  Canadian  Insurance  Program,  subject  to  certain  exceptions.  The  Company  retains  a 

deductible of US $2.25 million for certain U.S. subsidiaries on their primary US $5 million limit policies for automobile bodily injury 

and property damage, also subject to certain exceptions, and a 50% quota share deductible for the US $5 million limit in excess 

of US $5 million. The Company retains a deductible of US $1 million on its primary US $5 million limit policy for certain U.S. 

subsidiaries for commercial general liability. The Company retains deductibles of up to US $1 million per occurrence for workers’ 

2022 Annual Report │37  

 
 
Management’s Discussion and Analysis 

compensation claims.  The Company’s liability coverage has a total limit of US $100 million per occurrence for both its Canadian 

and U.S. divisions. 

Although the  Company believes  its aggregate  insurance limits should be  sufficient  to  cover reasonably expected claims, it is 

possible that the amount of one or more claims could exceed the Company’s aggregate coverage limits or that the Company will 

chose not to obtain insurance in respect of such claims. If any claim were to exceed the Company’s coverage, the Company 

would  bear  the  excess,  in  addition  to  the  Company’s  other  self-insured  amounts.  The  Company’s  results  of  operations  and 

financial condition could be materially and adversely affected if (i) cost per claim or the number of claims significantly exceeds 

the Company’s coverage limits or retention amounts; (ii) the Company experiences a claim in excess of its coverage limits; (iii) 

the Company’s insurance carriers fail to pay on the Company’s insurance claims; (iv) the Company experiences a significant 

increase in premiums; or (v) the Company experiences a claim for which coverage is not provided, either because the Company 

chose not to obtain insurance as a result of high premiums or because the claim is not covered by insurance which the Company 

has in place. 

The Company accrues the costs of the uninsured portion of pending claims based on estimates derived from the Company’s 

evaluation of the nature and severity of individual claims and an estimate of future claims development based upon historical 

claims development trends. Actual settlement of the Company’s retained claim liabilities could differ from its estimates due to a 

number of uncertainties, including evaluation of severity, legal costs and claims that have been incurred but not reported. Due to 

the Company’s high  retained  amounts,  it  has significant  exposure to  fluctuations in the number and severity of claims. If the 

Company were required to accrue or pay additional amounts because its estimates are revised or the claims ultimately prove to 

be more severe than originally assessed, its financial condition and results of operations may be materially adversely affected. 

Employee  Relations.  With  the  acquisition  of  UPS  Freight  and  prior  Canadian  acquisitions,  the  Company  has  a  substantial 

number of unionized employees in the U.S. and Canada. Although the Company believes that its relations with its employees 

are satisfactory, no assurance can be given that the Company will be able to successfully extend or renegotiate the Company’s 

current collective agreements as they expire from time to time or that additional employees will not attempt to unionize. 

The unionization of the Company’s employees in additional business units, adverse changes in terms under collective bargaining 

agreements,  or  actual  or  threatened  strikes,  work  stoppages  or  slow  downs,  could  have  a  material  adverse  effect  on  the 

Company’s  business,  customer  retention,  results  of  operations,  financial  condition  and  liquidity,  and  could  cause  significant 

disruption of, or inefficiencies in, its operations,  because: 

a) 

restrictive  work  rules  could  hamper  the  Company’s  ability  to improve  or sustain  operating  efficiency  or  could impair the 

Company’s service reputation and limit its ability to provide certain services; 

b)  a strike or work stoppage could negatively impact the Company’s profitability and could damage customer and employee 

relationships; 

c) 

shippers may limit their use of unionized trucking companies because of the threat of strikes and other work stoppages;  

d) 

the  Company could  fail to extend  or renegotiate its collective agreements or experience material increases in  wages or 

benefits;  

e)  disputes with the Company’s unions could arise; and 

f) 

an election and bargaining process could divert management’s time and attention from the Company’s overall objectives 

and impose significant expenses. 

The Company’s collective agreements have a variety of expiration dates, to the last of which is in March 2028. In a small number 

of cases, the expiration date of the collective agreement has passed; in such cases, the Corporation is generally in the process 

of renegotiating the agreement. The Company cannot predict the effect which any new collective agreements or the failure to 

enter into such agreements upon the expiry of the current agreements may have on its operations. 

The Company has limited experience with unionized employees in the U.S. There may be additional risks related to the increased 

number of unionized U.S. employees from the acquisition of UPS Freight. The impact the Company’s unionized operations could 

have on non-unionized operations is uncertain. 

2022 Annual Report │38  

 
 
Management’s Discussion and Analysis 

Drivers. Increases in driver compensation or difficulties attracting and retaining qualified drivers could have a material adverse 

effect on the Company’s profitability and the ability to maintain or grow the Company’s fleet. 

Like  many  in  the  transportation  sector,  the  Company  experiences  substantial  difficulty  in  attracting  and  retaining  sufficient 

numbers of qualified drivers. The trucking industry periodically experiences a shortage of qualified drivers. The Company believes 

the shortage of qualified drivers and intense competition for drivers from other transportation companies will create difficulties in 

maintaining or increasing the number of drivers and may negatively impact the Company’s ability to engage a sufficient number 

of drivers, and the Company’s inability to do so may negatively impact its operations. Further, the compensation the Company 

offers its drivers and independent contractor expenses are subject to market conditions, and the Company may find it necessary 

to increase driver and independent contractor compensation in future periods. 

In addition, the Company and many other trucking companies suffer from a high turnover rate of drivers in the U.S. TL market. 

This high turnover rate requires the Company to continually recruit a substantial number of new drivers in order to operate existing 

revenue equipment. Driver shortages are exacerbated during periods of economic expansion, in which alternative employment 

opportunities, including in the construction and manufacturing industries, which may offer better compensation and/or more time 

at home, are more plentiful and freight demand increases, or during periods of economic downturns, in which unemployment 

benefits might be extended and financing is limited for independent contractors who seek to purchase equipment, or the scarcity 

or growth of loans for students who seek financial aid for driving school. In addition, enrollment at driving schools may be further 

limited by COVID-19 social distancing requirements, vaccine, testing, and mask mandates, and other regulatory requirements 

that  reduces  the  number  of  eligible  drivers.  The  lack  of  adequate tractor  parking  along  some  U.S.  highways  and  congestion 

caused by inadequate highway funding may make it more difficult for drivers to comply with hours of service regulations and 

cause  added  stress  for  drivers,  further  reducing  the  pool  of  eligible  drivers.  The  Company’s  use  of  team-driven  tractors  for 

expedited shipments requires two drivers per tractor, which further increases the number of drivers the Company must recruit 

and retain in comparison to operations that require one driver per tractor. The Company also employs driver hiring standards, 

which could further reduce the pool of available drivers from which the Company would hire. If the Company is unable to continue 

to attract and retain a sufficient number of drivers, the Company could be forced to, among other things, adjust the Company’s 

compensation packages, increase the number of the Company’s tractors without drivers or operate with fewer trucks and face 

difficulty meeting shipper demands, any of which could adversely affect the Company’s growth and profitability. 

Independent Contractors. The Company’s contracts with U.S. independent contractors are governed by U.S. federal leasing 

regulations, which impose specific requirements on the Company and the independent contractors. If  more stringent state  or 

U.S.  federal  leasing  regulations  are  adopted,  U.S.  independent  contractors  could  be  deterred  from  becoming  independent 

contractor  drivers,  which  could  materially  adversely  affect  the  Company’s  goal  of  maintaining  its  current  fleet  levels  of 

independent contractors. 

The  Company  provides  financing  to  certain  qualified  Canadian  independent  contractors  and  financial  guarantees  to  a  small 

number of U.S. independent contractors. If the Company were unable to provide such financing or guarantees in the future, due 

to liquidity constraints or other restrictions, it may experience a decrease in the number of independent contractors it is able to 

engage.  Further,  if  independent  contractors  the  Company  engages  default  under  or  otherwise  terminate  the  financing 

arrangements and the Company is unable to find replacement independent contractors or seat the tractors with its drivers, the 

Company may incur losses on amounts owed to it with respect to such tractors. 

Pursuant to the Company’s fuel surcharge program with independent contractors, the Company pays independent contractors 

with which it contracts a fuel surcharge that increases with the increase in fuel prices. A significant increase or rapid fluctuation 

in fuel prices could cause the Company’s costs under this program to be higher than the revenue the Company receives under 

its customer fuel surcharge programs. 

U.S. tax and other regulatory authorities, as well as U.S. independent contractors themselves, have increasingly asserted that 

U.S.  independent  contractor  drivers  in  the  trucking  industry  are  employees  rather  than  independent  contractors,  and  the 

Company’s classification of independent contractors has been the subject of audits by such authorities from time to time. U.S. 

federal and state legislation has been introduced in the past that would make it easier for tax and other authorities to reclassify 

independent contractors as employees, including legislation to increase the recordkeeping requirements for those that engage 

independent contractor drivers and to increase the penalties for companies who misclassify their employees and are found to 

have  violated  employees’  overtime  and/or  wage  requirements.  The  most  recent  example  being  the  Protecting  the  Rights  to 

2022 Annual Report │39  

 
 
Management’s Discussion and Analysis 

Organize (“PRO”) Act, which was passed by the U.S. House of Representatives and received by the U.S. Senate in March 2021 

and remains with the U.S. Senate’s Committee on Health, Education, Labor, and Pensions.  The PRO Act proposes to apply the 

“ABC Test” (described below) for classifying workers under Federal Fair Labor Standards Act claims.  It is unknown whether any 

of the proposed legislation will become law or whether any industry-based exemptions from any resulting law will be granted. 

Additionally, U.S. federal legislators have sought to abolish the current safe harbor allowing taxpayers meeting certain criteria to 

treat individuals as independent contractors if they are following a long-standing, recognized practice, to extend the U.S. Fair 

Labor  Standards  Act  to  independent  contractors  and  to  impose  notice  requirements  based  on  employment  or  independent 

contractor status and fines for failure to comply. Some U.S. states have put initiatives in place to increase their revenue from 

items such as unemployment, workers’ compensation and income taxes, and a reclassification of independent contractors as 

employees would help states with this initiative. Further, courts in certain U.S. states have issued decisions that could result in a 

greater likelihood that independent contractors would be judicially classified as employees in such states. 

In  September  2019,  California  enacted  a  new  law,  A.B.  5  (“AB5”),  that  made  it  more  difficult  for  workers  to  be  classified  as 

independent contractors (as opposed to employees).  AB5 provides that the three-pronged “ABC Test” must be used to determine 

worker classifications in wage order claims.  Under the ABC Test, a worker is presumed to be an employee and the burden to 

demonstrate their independent contractor status is on the hiring company through satisfying all three of the following criteria: (a) 

the worker is free from control and direction in the performance of services; (b) the worker is performing work outside the usual 

course of the business of the hiring company; and (c) the worker is customarily engaged in an independently established trade, 

occupation, or business.  How AB5 will be enforced is still to be determined. In January 2021, however, the California Supreme 

Court ruled that the ABC Test could apply retroactively to all cases not yet final as of the date the original decision was rendered, 

April 2018.  While it was set to enter into effect in January 2020, a U.S. federal judge in California issued a preliminary injunction 

barring the enforcement of AB5 on the trucking industry while the California Trucking Association (“CTA”) moves forward with its 

suit seeking to invalidate AB5. The Ninth Circuit rejected the reasoning behind the injunction in April 2021, ruling that AB5 is not 

pre-empted by U.S. federal law, but granted a stay of the AB5 mandate in June 2021 (preventing its application and temporarily 

continuing the injunction) while the CTA petitioned the United States Supreme Court (the “Supreme Court”) to review the decision. 

In November 2021, the Supreme Court requested that the U.S. solicitor general weigh in on the case. The injunction will remain 

in place until the Supreme Court makes a decision on whether to proceed in hearing the case. While the stay of the AB5 mandate 

provides temporary relief to the enforcement of AB5, it remains unclear how long such relief will last, and whether the CTA will 

ultimately be successful in invalidating the law. It is also possible AB5 will spur similar legislation in states other than California, 

which could adversely affect the Company’s results of operations and profitability.  

U.S.  class action lawsuits and  other lawsuits have been  filed  against certain members of  the  Company’s industry seeking  to 

reclassify  independent contractors  as employees for a variety of purposes, including workers’ compensation  and  health care 

coverage. In addition, companies that use lease purchase independent contractor programs, such as the Company, have been 

more susceptible to reclassification lawsuits, and several recent decisions have been made in favor of those seeking to classify 

independent contractor  truck drivers  as  employees. U.S. taxing  and  other regulatory  authorities  and  courts apply  a variety of 

standards  in  their  determination  of  independent  contractor  status.  If  the  independent  contractors  with  whom  the  Company 

contracts  are  determined  to  be  employees,  the  Company  would  incur  additional  exposure  under  U.S.  federal  and  state  tax, 

workers’ compensation, unemployment benefits, labor, employment and tort laws, including for prior periods, as well as potential 

liability for employee benefits and tax withholdings, and the Company’s business, financial condition and results of operations 

could be materially adversely affected. The Company has settled certain class action cases in Massachusetts and California in 

the past with independent contractors who alleged they were misclassified. 

Acquisitions  and  Integration  Risks.  Historically,  acquisitions  have  been  a  part  of  the  Company’s  growth  strategy.  The 

Company may not be able to successfully integrate acquisitions into the Company’s business, or may incur significant unexpected 

costs in doing so. Further, the process of integrating acquired businesses may be disruptive to the Company’s existing business 

and may cause an interruption or reduction of the Company’s business as a result of the following factors, among others: 

 

 

 

 

loss of drivers, key employees, customers or contracts; 

possible  inconsistencies  in  or  conflicts  between  standards,  controls,  procedures  and  policies  among  the  combined 

companies and the need to implement company-wide financial, accounting, information technology and other systems; 

failure to maintain or improve the safety or quality of services that have historically been provided; 

inability to retain, integrate, hire or recruit qualified employees; 

2022 Annual Report │40  

 
 
Management’s Discussion and Analysis 

 

 

 

 

unanticipated environmental or other liabilities; 

risks of entering new markets or business offerings in which we have had no or only limited prior experience;  

failure to coordinate geographically dispersed organizations; and 

the diversion of management’s attention from the Company’s day-to-day business as a result of the need to manage any 

disruptions and difficulties and the need to add management resources to do so. 

Given the nature and size of UPS Freight, as well as the structure of the acquisition as a carveout from UPS, the acquisition of 

UPS Freight presents the following risks, in addition to risks noted elsewhere in these risk factors: 

 

a  large  portion  of  the  business  of  UPS  Freight  prior  to  the  acquisition  was  with  affiliates  of  UPS.  While  there  are 

transportation service agreements in effect with such affiliates of UPS, such affiliates may decide to reduce or eliminate 

business with the Company in the future and we have limited contractual protections to prevent the loss of such business; 

 

some  of  the  information  and  operating  systems  of  UPS  Freight  were  integrated  with  UPS  prior  to  the  acquisition.  The 

Company is in the process of transitioning such systems and could experience disruptions during the transition or difficulty 

or delay in building its systems and personnel to operate them; 

the  Company  had  limited  experience  in  the  U.S.  LTL  market  prior  to  the  acquisition  and  we  may  be  unsuccessful  in 

integrating UPS Freight and operating it profitably; 

given the size and complexity of the acquired U.S. LTL operations of UPS Freight, management’s attention may be diverted 

from other areas of the Company; and  

the  Company  acquired  a  substantial  number  of  unionized  U.S.  employees  in  the  acquisition  and  unionized  employees 

 

 

 

present significant risks.  

Anticipated cost savings, synergies, revenue enhancements or other benefits from any acquisitions that the Company undertakes 

may  not  materialize  in  the  expected  timeframe  or  at  all.  The  Company’s  estimated  cost  savings,  synergies,  revenue 

enhancements  and  other  benefits  from  acquisitions  are  subject to  a  number  of  assumptions  about  the  timing,  execution  and 

costs associated with realizing such synergies. Such assumptions are inherently uncertain and are subject to a wide variety of 

significant business, economic and competition risks. There can be no assurance that such assumptions will turn out to be correct 

and, as a result, the amount of cost savings, synergies, revenue enhancements and other benefits the Company actually realizes 

and/or  the  timing  of  such  realization  may  differ  significantly  (and  may  be  significantly  lower)  from  the  ones  the  Company 

estimated,  and  the  Company  may  incur  significant  costs  in  reaching  the  estimated  cost  savings,  synergies,  revenue 

enhancements  or  other  benefits.  Further,  management  of  acquired  operations  through  a  decentralized  approach may  create 

inefficiencies or inconsistencies. 

Many of the Company’s recent acquisitions have involved the purchase of stock of existing companies. These acquisitions, as 

well as acquisitions of substantially all of the assets of a company, may expose the Company to liability for actions taken by an 

acquired  business  and  its  management  before  the  Company’s  acquisition.  The  due  diligence  the  Company  conducts  in 

connection  with  an  acquisition  and  any contractual  guarantees  or  indemnities that  the  Company  receives  from the  sellers  of 

acquired companies may not be sufficient to protect the Company from, or compensate the Company for, actual liabilities. The 

representations made by the sellers expire at varying periods after the closing. A material liability associated with an acquisition, 

especially  where  there  is  no  right  to  indemnification,  could  adversely  affect  the  Company’s  results  of  operations,  financial 

condition and liquidity. 

The Company continues to review acquisition and investment opportunities in order to acquire companies and assets that meet 

the Company’s investment criteria, some of which may be significant. Depending on the number of acquisitions and investments 

and  funding  requirements,  the  Company  may  need  to  raise  substantial  additional  capital  and  increase  the  Company’s 

indebtedness. Instability or disruptions in  the capital markets, including  credit markets, or the  deterioration of  the Company’s 

financial  condition  due  to  internal  or  external  factors,  could  restrict  or  prohibit  access  to  the  capital  markets  and  could  also 

increase the Company’s cost of capital. To the extent the Company raises additional capital through the sale of equity, equity-

linked  or  convertible  debt  securities,  the  issuance  of  such  securities  could  result  in  dilution  to  the  Company’s  existing 

shareholders. If the Company raises additional funds through the issuance of debt securities, the terms of such debt could impose 

additional restrictions and costs on the Company’s operations. Additional capital, if required, may not be available on acceptable 

terms or at all. If the Company is unable to obtain additional capital at a reasonable cost, the Company may be required to forego 

potential acquisitions, which could impair the execution of the Company’s growth strategy. 

2022 Annual Report │41  

 
 
Management’s Discussion and Analysis 

The  Company  routinely  evaluates  its  operations  and  considers  opportunities  to  divest  certain  of  its  assets.  In  addition,  the 

Company faces competition for acquisition opportunities. This external competition may hinder the Company’s ability to identify 

and/or consummate future acquisitions successfully. There is also a risk of impairment of acquired goodwill and intangible assets. 

This risk of impairment to goodwill and intangible assets exists because the assumptions used in the initial valuation, such as 

interest rates or forecasted cash flows, may change when testing for impairment is required. 

There is no assurance that the Company will be successful in identifying, negotiating, consummating or integrating any future 

acquisitions. If the Company does not make any future acquisitions, or divests certain of its operations, the Company’s growth 

rate could be materially and adversely affected. Any future acquisitions the Company does undertake could involve the dilutive 

issuance of equity securities or the incurring of additional indebtedness. 

Growth. There is no assurance that in the future, the Company’s business will grow substantially or without volatility, nor is there 

any assurance that the Company will be able to effectively adapt its management, administrative and operational systems to 

respond to any future growth.  Furthermore, there is no assurance that the Company’s operating margins will not be adversely 

affected by future changes in and expansion of its business or by changes in economic conditions or that it will be able to sustain 

or improve its profitability in the future. 

Environmental Matters. The Company uses storage tanks at certain of its Canadian and U.S. transportation terminals. Canadian 

and U.S. laws and regulations generally impose potential liability on the present and former owners or occupants or custodians 

of  properties  on  which  contamination  has  occurred,  as  well  as  on  parties  who  arranged  for  the  disposal  of  waste  at  such 

properties. Although the Company is not aware of any contamination which, if remediation or clean-up were required, would have 

a material adverse effect on it, certain of the Company’s current or former facilities have been in operation for many years and 

over such time, the Company or the prior owners, operators or custodians of the properties may have generated and disposed 

of wastes which are or may be considered hazardous. Liability under certain of these laws and regulations may be imposed on 

a joint and several basis and without regard to whether the Company knew of, or was responsible for, the presence or disposal 

of these materials or whether the activities giving rise to the contamination was legal when it occurred. In addition, the presence 

of those substances, or the failure to properly dispose of or remove those substances, may adversely affect the Company’s ability 

to sell or rent that property. If the Company incurs liability under these laws and regulations and if it cannot identify other parties 

which it can compel to contribute to its expenses and who are financially able to do so, it could have a material adverse effect on 

the Company’s financial condition and results of operations. There can be no assurance that the Company will not be required 

at some  future  date  to  incur significant  costs  or  liabilities  pursuant to  environmental  laws,  or that  the  Company’s  operations, 

business or assets will not be materially affected by current or future environmental laws. 

The Company’s transportation operations and its properties are subject to extensive and frequently-changing federal, provincial, 

state, municipal and local environmental laws, regulations and requirements in Canada, the United States and Mexico relating 

to, among other things, air emissions, the management of contaminants, including hazardous substances and other materials 

(including  the  generation,  handling,  storage,  transportation  and  disposal  thereof),  discharges  and  the  remediation  of 

environmental impacts (such as the contamination of soil and water, including ground water). A risk of environmental liabilities is 

inherent  in transportation operations, historic activities  associated with  such operations  and the ownership,  management and 

control of real estate. 

Environmental laws may authorize, among other things, federal, provincial, state and local environmental regulatory agencies to 

issue orders, bring administrative or judicial actions for violations of environmental laws and regulations or to revoke or deny the 

renewal of a permit. Potential penalties for such violations may include, among other things, civil and criminal monetary penalties, 

imprisonment, permit suspension or revocation and injunctive relief. These agencies may also, among other things, revoke or 

deny renewal  of the  Company’s  operating  permits, franchises or licenses  for violations or  alleged violations of  environmental 

laws or regulations and impose environmental assessment, removal of contamination, follow up or control procedures. 

Environmental Contamination. The Company could be subject to orders and other legal actions and procedures brought by 

governmental  or  private  parties  in  connection  with  environmental contamination,  emissions  or  discharges.  If  the  Company  is 

involved in a spill or other accident involving hazardous substances, if there are releases of hazardous substances the Company 

transports,  if  soil  or  groundwater  contamination  is  found  at  the  Company’s  current  or  former  facilities  or  results  from  the 

Company’s operations, or if the Company is found to be in violation of applicable laws or regulations, the Company could be 

2022 Annual Report │42  

 
 
Management’s Discussion and Analysis 

subject to cleanup costs and liabilities, including substantial fines or penalties or civil and criminal liability, any of which could 

have a materially adverse effect on the Company’s business and operating results. 

Key Personnel. The future success of the Company will be based in large part on the quality of the Company’s management 

and key personnel. The Company’s management and key personal possess valuable knowledge about the transportation and 

logistics industry and their knowledge of and relationships with the Company’s key customers and vendors would be difficult to 

replace. The loss of key personnel could have a negative effect on the Company. There can be no assurance that the Company 

will be able to retain its current key personnel or, in the event of their departure, to develop or attract new personnel of equal 

quality. 

Dependence  on Third  Parties. Certain  portions  of the  Company’s  business  are  dependent  upon  the  services  of  third-party 

capacity providers, including other transportation companies. For that portion of the Company’s business, the Company does 

not own or control the transportation assets that deliver the customers’ freight, and the Company does not employ the people 

directly  involved  in  delivering  the  freight.  This  reliance  could  cause  delays  in  reporting  certain  events,  including  recognizing 

revenue  and claims. These third-party providers seek other freight opportunities  and may require increased compensation in 

times of improved freight demand or tight trucking capacity. The Company’s inability to secure the services of these third parties 

could significantly limit the Company’s ability to serve its customers on competitive terms. Additionally, if the Company is unable 

to secure sufficient equipment or other transportation services to meet the Company’s commitments to its customers or provide 

the Company’s services on competitive terms, the Company’s operating results could be materially and adversely affected. The 

Company’s ability to secure sufficient equipment or other transportation services is affected by many risks beyond the Company’s 

control,  including  equipment  shortages  in  the  transportation  industry,  particularly  among  contracted  carriers,  interruptions  in 

service due to labor disputes, changes in regulations impacting transportation and changes in transportation rates. 

Loan Default. The agreements governing the Company’s indebtedness, including the Credit Facility and the Term Loan, contain 

certain restrictions and other covenants relating to, among other things, funded debt, distributions, liens, investments, acquisitions 

and dispositions outside the ordinary course of business and affiliate transactions. If the Company fails to comply with any of its 

financing arrangement covenants, restrictions and requirements, the Company could be in default under the relevant agreement, 

which could cause cross-defaults under other financing arrangements. In the event of any such default, if the Company failed to 

obtain replacement financing or amendments to or waivers under the applicable financing arrangement, the Company may be 

unable to pay dividends to its shareholders, and its lenders could cease making further advances, declare the Company’s debt 

to  be  immediately  due  and  payable,  fail  to  renew  letters  of  credit,  impose  significant  restrictions  and  requirements  on  the 

Company’s operations, institute foreclosure procedures against their collateral, or impose significant fees and transaction costs. 

If  debt  acceleration  occurs,  economic  conditions  may  make  it  difficult  or  expensive  to  refinance  the  accelerated  debt  or  the 

Company may have to issue equity securities, which would dilute share ownership. Even if new financing is made available to 

the  Company,  credit  may  not  be  available  to  the  Company  on  acceptable  terms.  A  default  under  the  Company’s  financing 

arrangements could result in a materially adverse effect on its liquidity, financial condition and results of operations. As at the 

date hereof, the Company is in compliance with all of its debt covenants and obligations. 

Credit Facilities. The Company has significant ongoing capital requirements that could affect the Company’s profitability if the 

Company is unable to generate sufficient cash from operations and/or obtain financing on favorable terms.  The trucking industry 

and the Company’s trucking operations are capital intensive, and require significant capital expenditures annually.  The amount 

and  timing  of  such  capital  expenditures  depend  on  various  factors,  including  anticipated  freight  demand  and  the  price  and 

availability of assets.  If anticipated demand differs materially from actual usage, the Company’s trucking operations may have 

too  many  or  too  few  assets.    Moreover,  resource  requirements  vary  based  on  customer  demand,  which  may  be  subject  to 

seasonal or general economic conditions.  During periods of decreased customer demand, the Company’s asset utilization may 

suffer, and it may be forced to sell equipment on the open market or turn in equipment under certain equipment leases in order 

to right size its fleet.  This could cause the Company to incur losses on such sales or require payments in connection with such 

turn ins, particularly during times of a softer used equipment market, either of which could have a materially adverse effect on 

the Company’s profitability. 

The Company’s indebtedness may increase from time to time in the future for various reasons, including fluctuations in results 

of operations, capital expenditures and potential acquisitions. The agreements governing the Company’s indebtedness, including 

the Credit Facility and the Term Loan, mature on various dates, ranging from 2023 to 2036. There can be no assurance that 

2022 Annual Report │43  

 
 
Management’s Discussion and Analysis 

such agreements governing the Company’s indebtedness will be renewed or refinanced, or if renewed or refinanced, that the 

renewal  or  refinancing  will  occur  on  equally  favorable  terms  to  the  Company.  The  Company’s  ability  to  pay  dividends  to 

shareholders and ability to purchase new revenue equipment may be adversely affected if the Company is not able to renew the 

Credit Facility or the Term Loan or arrange refinancing of any indebtedness, or if such renewal or refinancing, as the case may 

be, occurs on terms materially less favorable to the Company than at present. If the Company is unable to generate sufficient 

cash flow from operations and obtain financing on terms favorable to the Company in the future, the Company may have to limit 

the Company’s fleet size, enter into  less favorable  financing  arrangements or operate the  Company’s revenue equipment for 

longer periods, any of which may have a material adverse effect on the Company’s operations. 

Increased prices for new revenue equipment, design changes of new engines, decreased availability of new revenue equipment 

and  future  use  of  autonomous  tractors could  have  a material  adverse  effect  on the  Company’s  business,  financial  condition, 

operations, and profitability. 

The Company is subject to risk with respect to higher prices for new equipment for its trucking operations.  The Company has 

experienced an increase in prices for new tractors in recent years, and the resale value of the tractors has not increased to the 

same extent.  Prices have increased and may continue to increase, due to, among other reasons, (i) increases in commodity 

prices; (ii) U.S. government regulations applicable to newly-manufactured tractors, trailers and diesel engines; (iii) the pricing 

discretion of equipment manufacturers; and (iv) component and supply chain issues that limit availability of new equipment and 

increase  prices.    Increased  regulation  has  increased  the  cost  of  the  Company’s  new  tractors  and  could  impair  equipment 

productivity,  in  some  cases,  resulting  in  lower  fuel  mileage,  and  increasing  the  Company’s  operating  expenses.    Further 

regulations with stricter emissions and efficiency requirements have been proposed that would further increase the Company’s 

costs and impair equipment productivity.  These adverse effects, combined with the uncertainty as to the reliability of the vehicles 

equipped with the newly designed diesel engines and the residual values realized from the disposition of these vehicles could 

increase the Company’s costs or otherwise adversely affect the Company’s business or operations as the regulations become 

effective.  Over the past several years, some manufacturers have significantly increased new equipment prices, in part to meet 

new engine design and operations requirements.  Furthermore, future use of autonomous tractors could increase the price of 

new tractors and decrease the value of used non-autonomous tractors.  The Company’s business could be harmed if it is unable 

to  continue  to  obtain  an  adequate  supply  of  new tractors  and trailers  for these  or  other  reasons.    As  a  result,  the  Company 

expects to continue to pay increased prices for equipment and incur additional expenses for the foreseeable future. 

Tractor and trailer vendors may reduce their manufacturing output in response to lower demand for their products in economic 

downturns or shortages of component parts.  Currently, tractor and trailer manufacturers are experiencing significant shortages 

of  semiconductor  chips  and  other  component  parts  and  supplies,  including  steel,  forcing  many  manufacturers  to  curtail  or 

suspend their production, which has led to a lower supply of tractors and trailers, higher prices, and lengthened trade cycles, 

which could have a material adverse effect on the Company’s business, financial condition, and results of operations, particularly 

the Company’s maintenance expense and driver retention. 

The Company has certain revenue equipment leases and financing arrangements with balloon payments at the end of the lease 

term equal to the residual value the Company is contracted to receive from certain equipment manufacturers upon sale or trade 

back  to the manufacturers.  If the Company  does not purchase new equipment that  triggers the trade-back obligation, or the 

equipment manufacturers do not pay the contracted value at the end of the lease term, the Company could be exposed to losses 

equal to the excess of the balloon payment owed to the lease or finance company over the proceeds from selling the equipment 

on the open market.  

The Company has trade-in and repurchase commitments that specify, among other things, what its primary equipment vendors 

will pay it for disposal of a certain portion of the Company’s revenue equipment.  The prices the Company expects to receive 

under  these  arrangements  may  be  higher  than  the  prices  it  would  receive  in  the  open  market.    The  Company  may  suffer  a 

financial loss upon disposition of its equipment if these vendors refuse or are unable to meet their financial obligations under 

these agreements, it does not enter into definitive agreements that reflect favorable equipment replacement or trade-in terms, it 

fails to or is unable to enter into similar arrangements in the future, or it does not purchase the number of new replacement units 

from the vendors required for such trade-ins.  

Used  equipment  prices  are  subject  to  substantial fluctuations  based  on  freight  demand,  supply  of  used  trucks,  availability  of 

financing, presence of buyers for export and commodity prices for scrap metal.  These and any impacts of a depressed market 

2022 Annual Report │44  

 
 
Management’s Discussion and Analysis 

for used equipment could require the  Company to  dispose of its revenue equipment below the carrying value.  This leads to 

losses  on  disposal  or  impairments  of  revenue  equipment,  when  not  otherwise  protected  by  residual  value  arrangements.  

Deteriorations of resale prices or trades at depressed values could cause losses on disposal or impairment charges in future 

periods. 

Difficulty in obtaining goods and services from the Company’s vendors and suppliers could adversely affect its business. 

The Company is dependent upon its vendors and suppliers for certain products and materials.  The Company believes that it 

has positive vendor and supplier relationships and it is generally able to obtain acceptable pricing and other terms from such 

parties.  If the Company fails to maintain positive relationships with its vendors and suppliers, or if its vendors and suppliers are 

unable to provide the products and materials it needs or undergo financial hardship, the Company could experience difficulty in 

obtaining needed goods and services because of production interruptions, limited material availability or other reasons.  As a 

consequence, the Company’s business and operations could be adversely affected. 

Customer and Credit Risks. The Company provides services to clients primarily in Canada, the United States and Mexico. The 

concentration of credit risk to which the Company is exposed is limited due to the significant number of customers that make up 

its client base and their distribution across different geographic areas. Furthermore, no client accounted for more than 5% of the 

Company’s total accounts receivable for the year ended December 31, 2022. Generally, the Company does not have long-term 

contracts with its major customers. Accordingly, in response to economic conditions, supply and demand factors in the industry, 

the  Company’s  performance,  the  Company’s  customers’  internal  initiatives  or  other  factors,  the  Company’s  customers  may 

reduce or eliminate their use of the Company’s services, or may threaten to do so in order to gain pricing and other concessions 

from the Company. 

Economic conditions and capital markets may adversely affect the Company’s customers and their ability to remain solvent. The 

customers’ financial difficulties can negatively impact the Company’s results of operations and financial condition, especially if 

those customers were to delay or default in payment to the Company. For certain customers, the Company has entered into 

multi-year contracts, and the rates the Company charges may not remain advantageous. 

Availability of Capital. If the economic and/or the credit markets weaken, or the Company is unable to enter into acceptable 

financing arrangements to acquire revenue equipment, make investments and fund working capital on terms favorable to it, the 

Company’s business, financial results and results of operations could be materially and adversely affected. The Company may 

need to incur additional indebtedness, reduce dividends or sell additional shares in order to accommodate these items. A decline 

in the credit or equity markets and any increase in volatility could make it more difficult for the Company to obtain financing and 

may lead to an adverse impact on the Company’s profitability and operations. 

Information  Systems.  The  Company  depends  heavily  on  the  proper  functioning,  availability  and  security  of  the  Company’s 

information  and  communication  systems,  including  financial  reporting  and  operating  systems,  in  operating  the  Company’s 

business.  The  Company’s  operating  system  is  critical  to  understanding  customer  demands,  accepting  and  planning  loads, 

dispatching  equipment  and  drivers  and  billing  and  collecting  for  the  Company’s  services.  The  Company’s  financial  reporting 

system is critical to producing accurate and timely financial statements and analyzing business information to help the Company 

manage its business effectively. The Company receives and transmits confidential data with and among its customers, drivers, 

vendors, employees and service providers in the normal course of business.  

The Company’s operations and those of its technology and communications service providers are vulnerable to interruption by 

natural disasters, such as fires, storms, and floods, which may increase in frequency and severity due to climate change, as well 

as other events beyond the Company’s control, including cybersecurity breaches and threats, such as hackers, malware and 

viruses,  power  loss,  telecommunications  failure,  terrorist  attacks  and  Internet  failures.  The  Company’s  systems  are  also 

vulnerable to unauthorized access and viewing, misappropriation, altering or deleting of information, including customer, driver, 

vendor,  employee  and  service  provider  information  and  its  proprietary  business  information.  If  any  of  the  Company’s  critical 

information systems fail, are breached or become otherwise unavailable, the Company’s ability to manage its fleet efficiently, to 

respond  to customers’ requests  effectively, to  maintain billing  and other records reliably, to  maintain  the confidentiality  of the 

Company’s data and to bill for services and prepare financial statements accurately or in a timely manner would be challenged. 

Any significant system failure, upgrade complication, cybersecurity breach or other system disruption could interrupt or delay the 

Company’s  operations,  damage  its  reputation, cause  the  Company  to  lose  customers,  cause  the  Company  to  incur  costs to 

2022 Annual Report │45  

 
 
Management’s Discussion and Analysis 

repair its systems, pay fines or in respect of litigation or impact the Company’s ability to manage its operations and report its 

financial performance, any of which could have a material adverse effect on the Company’s business. 

Remote Work. The Company has, and will continue to have, a portion of its employees that work from home full-time or under 

flexible  work  arrangements, which exposes the  Company to  additional cybersecurity risks. Employees  working remotely may 

expose the Company  to cybersecurity risks through: (i)  unauthorized access to sensitive information as a  result  of  increased 

remote  access,  including  employees'  use  of  Company-owned  and  personal  devices  and  videoconferencing  functions  and 

applications to  remotely  handle,  access,  discuss or transmit confidential information,  (ii)   increased exposure  to phishing and 

other scams as cybercriminals may, among other things, install malicious software on the Company's systems and equipment 

and access sensitive information, and (iii) violation of international, federal, or state-specific privacy laws. The Company believes 

that the increased number of employees working remotely has incrementally increased the cyber risk profile of the Company, 

but the Company is unable to predict the extent or impacts of those risks at this time. A significant disruption of our information 

technology systems, unauthorized access or a loss of confidential information, or legal claims resulting from a privacy law could 

have a material adverse effect on the Company. 

Litigation. The Company’s business is subject to the risk of litigation by employees, customers, vendors, government agencies, 

shareholders and other parties. The outcome of litigation is difficult to assess or quantify, and the magnitude of the potential loss 

relating to such lawsuits may remain unknown for substantial periods of time. The cost to defend litigation may also be significant. 

Not all claims are covered by the Company’s insurance, and there can be no assurance that the Company’s coverage limits will 

be adequate to cover all amounts in dispute. In the United States, where the Company has growing operations, many trucking 

companies have been subject to class-action lawsuits alleging violations of various federal and state wage laws regarding, among 

other things, employee classification, employee  meal breaks,  rest  periods,  overtime eligibility, and failure  to pay for all hours 

worked. A number of these lawsuits have resulted in the payment of substantial settlements or damages by the defendants. The 

Company may at some future date be subject to such a class-action lawsuit. In addition, the Company may be subject, and has 

been  subject  in  the  past,  to  litigation  resulting  from  trucking  accidents.  The  number  and  severity  of  litigation  claims  may  be 

worsened by distracted driving by both truck drivers and other motorists. To the extent the Company experiences claims that are 

uninsured,  exceed  the  Company’s  coverage  limits,  involve significant  aggregate  use  of  the  Company’s self-insured  retention 

amounts  or cause  increases  in future  funded  premiums,  the  resulting  expenses could  have  a  material  adverse  effect  on  the 

Company’s business, results of operations, financial condition and cash flows. 

Internal Control. Beginning with the year ended December 31, 2021, the Company is required, pursuant to Section 404 of the 

U.S. Sarbanes-Oxley Act, to furnish a report by management on the effectiveness of its internal control over financial reporting. 

In addition, the Company’s independent registered public accounting firm must report on its evaluation of the Company’s internal 

control over financial reporting.  The Company reported material weaknesses as of December 31, 2021 which were remediated 

in 2022 such that the 2022 evaluation of internal control over financial reporting concluded that the internal controls over financial 

reporting were effective. If the Company fails to comply with Section 404 of the U.S. Sarbanes-Oxley Act and does not maintain 

effective internal controls in the future, it could result in a material misstatement of the Company’s financial statements, which 

could  cause investors to lose confidence  in the  Company’s financial statements  and cause the  trading price of the  Common 

Shares to decline. 

Material Transactions. The Company has acquired numerous companies pursuant to its acquisition strategy and, in addition, 

has sold business units, including the sale in February 2016 of its then-Waste Management segment for CAD $800 million.  The 

Company buys and sells business units in the normal course of its business.  Accordingly, at any given time, the Company may 

consider, or be in the process of negotiating, a number of potential acquisitions and dispositions, some of which may be material 

in  size.    In  connection  with  such  potential  transactions,  the  Company  regularly  enters  into  non-disclosure  or  confidentiality 

agreements, indicative term sheets, non-binding letters of intent and other similar agreements with potential sellers and buyers, 

and conducts extensive due diligence as applicable.  These potential transactions may relate to some or all of the Company’s 

four reportable segments, that is, TL, Logistics, LTL, and Package and Courier.  The Company’s active acquisition and disposition 

strategy requires a significant amount of management time and resources. Although the Company complies with its disclosure 

obligations under applicable securities laws, the announcement of any material transaction by the Company (or rumors thereof, 

even if unfounded) could result in volatility in the market price and trading volume of the Common Shares. Further, the Company 

cannot predict the reaction of the market, or of the Company’s stakeholders, customers or competitors, to the announcement of 

any such material transaction or to rumors thereof.  

2022 Annual Report │46  

 
 
Management’s Discussion and Analysis 

Dividends and Share Repurchases. The payment of future dividends and the amount thereof is uncertain and is at the sole 

discretion of the Board of Directors of the Company and is considered each quarter.  The payment of dividends is dependent 

upon, among other things, operating cash flow generated by the Company, its financial requirements for operations, the execution 

of its growth strategy and the satisfaction of solvency tests imposed by the Canada Business Corporations Act for the declaration 

and payment of dividends.  Similarly, any future repurchase of shares by the Company is at the sole discretion of the Board of 

Directors and is dependent on the factors described above.  Any future repurchase of shares by the Company is uncertain. 

Attention  on  Environmental,  Social  and  Governance  (ESG)  Matters.  Companies  are  facing  increasing  attention  from 

stakeholders  relating  to  ESG  matters,  including  environmental  stewardship,  social  responsibility,  and  diversity  and  inclusion. 

Organizations  that  provide  information  to  investors  on  corporate  governance  and  related  matters  have  developed  ratings 

processes for evaluating companies on their approach to ESG matters. Such ratings are used by some investors to inform their 

investment and voting decisions. Unfavorable ESG ratings may lead to negative sentiment toward the Company, which could 

have a negative impact on the Company's stock price. 

CRITICAL ACCOUNTING POLICIES AND ESTIMATES 

The preparation of the financial statements in conformity with IFRS requires management to make judgments, estimates and 

assumptions about future events. These estimates and the underlying assumptions affect the reported amounts of assets and 

liabilities, the disclosures about contingent assets and liabilities, and the  reported  amounts  of  revenues  and expenses. Such 

estimates include establishing the fair value of intangible assets related to business combinations, determining estimates and 

assumptions  related  to  impairment  tests  for  goodwill,  determining  estimates  and  assumptions  related  to  the  accrued  benefit 

obligation, and determining estimates and assumptions related to the evaluation of provisions for self-insurance and litigations. 

These estimates and assumptions are based on management’s best estimates and judgments. Key drivers in critical estimates 

are as follows: 

Fair value of intangible assets related to business combinations 

 

 

 

Projected future cash flows 

Acquisition specific discount rate 

Attrition rate established from historical trends 

Impairment tests for goodwill 

 

 

 

Discount rates 

Forecasted revenue growth, operating margin, EBITDA margin as well as capital expenditures 

Comparable public company EBITDA multiples 

Accrued benefit obligation 

 

 

Discount rates 

Salary growth 

  Mortality tables 

Self-Insurance and litigations 

 

Historical claim experience, severity factors affecting the amounts ultimately paid, and current and expected levels of 

cost per claims 

 

Third party evaluations 

Management  evaluates  its  estimates  and  assumptions  on  an  ongoing  basis  using  historical  experience  and  other  factors, 

including  the  current  economic  environment,  which  management  believes  to  be  reasonable  under  the  circumstances. 

Management  adjusts such estimates and  assumptions  when facts and  circumstances  dictate. Actual results could differ from 

2022 Annual Report │47  

 
 
Management’s Discussion and Analysis 

these  estimates.  Changes  in  those  estimates  and  assumptions  resulting  from  changes  in  the  economic  environment  will  be 

reflected in the financial statements of future periods. 

CHANGES IN ACCOUNTING POLICIES 

Adopted during the period 

The following new standards, and amendments to standards and interpretations, are effective for the first time for interim periods 

beginning on or after January 1, 2022 and have been applied in preparing the audited consolidated financial statements: 

Onerous Contracts - Cost of Fulfilling a Contract  

(Amendments to IAS 37) 

These new standards did not have a material impact on the Company’s audited consolidated financial statements. 

To be adopted in future periods 

The following new standards and amendments to standards are not yet effective for the year ended December 31, 2022, and 

have not been applied in preparing the audited consolidated financial statements:  

Classification of Liabilities as Current or Non-current (Amendments to IAS 1) 

Definition of Accounting Estimates (Amendments to IAS 8) 

Lease Liability in a Sales and Leaseback (Amendments to IFRS 16) 

Further information can be found in note 3 of the December 31, 2022 audited consolidated financial statements. 

CONTROLS AND PROCEDURES  

In  compliance  with  the  provisions  of  Canadian  Securities Administrators’  National  Instrument  52-109  and the  U.S.  Securities 

Exchange Act of 1934, as amended (the “Exchange Act”), the Company has filed certificates signed by the President and Chief 

Executive Officer (“CEO”) and by the Chief Financial Officer (“CFO”) that, among other things, report on: 

 

their  responsibility  for  establishing  and  maintaining  disclosure  controls  and  procedures  and  internal  control  over  financial 

reporting for the Company; and 

 

the design of disclosure controls and procedures and the design of internal controls over financial reporting.  

Disclosure controls and procedures   

The President and Chief Executive Officer (“CEO”) and the Chief Financial Officer (“CFO”), have designed disclosure controls 

and procedures (as defined in National Instrument 52-109 and Rule 13a-15(e) and 15d-15(e) under the Exchange Act), or have 

caused them to be designed under their supervision, in order to provide reasonable assurance that: 

  material information relating to the Company is made known to the CEO and CFO by others; and 

 

information  required  to  be  disclosed  by  the  Company  in  its  filings,  under  applicable  securities  legislation  is  recorded, 

processed, summarized and reported within the time periods specified in securities legislation. 

As at December 31, 2022, an evaluation was carried out under the supervision of the CEO and CFO, of the design and operating 

effectiveness of the Company’s disclosure controls and procedures. Based on this evaluation, the CEO and CFO concluded that 

the Company's disclosure controls and procedures were appropriately designed and were operating effectively as at December 

31, 2022.  

Management’s Annual Report on Internal Controls over Financial Reporting  

The CEO and CFO have also designed internal control over financial reporting (as defined in National Instrument 52-109 and 

Rules 13a-15(f) and 15d-15(f) under the Exchange Act), or have caused them to be designed under their supervision, in order 

to  provide  reasonable assurance regarding  the  reliability  of financial reporting  and the  preparation  of financial  statements for 

external purposes in accordance with IFRS. 

As at December 31, 2022 an evaluation was carried out, under the supervision of the CEO and the CFO, of the effectiveness of 

the  Company’s  internal  control  over  financial  reporting.  Based  on  this  evaluation,  the  CEO  and  the  CFO  concluded  that  the 

Company’s internal control over financial reporting were appropriately designed and operating effectively as at December 31, 

2022.The control framework used to design the Company’s internal controls over financial reporting is based on the criteria set 

2022 Annual Report │48  

 
 
 
 
 
Management’s Discussion and Analysis 

forth  by  the  Committee  of  Sponsoring  Organizations  of  the  Treadway  Commission  (COSO)  on  Internal  Control  –  Integrated 

Framework (2013 framework).  

The effectiveness of internal controls over financial reporting as of December 31, 2022 has been audited by KPMG LLP, the 

Company’s  registered  public  accounting  firm  that  audited  the  consolidated  financial  statements  and  is  included  with  the 

Company’s consolidated financial statements. KPMG LLP has concluded the Company has maintained effective internal control 

over financial reporting as of December 31, 2022.   

Remediation of Previously Reported Material Weaknesses 

As previously disclosed in the 2021 annual Management Discussion and Analysis and 2022 interim Management Discussion 

and Analysis, the Company identified two material weaknesses in the internal control over financial reporting as follows: 

 

IT General Controls: The Company had an aggregation of control deficiencies within its information technology (IT) general 

controls across multiple systems supporting the Company's business processes, including deficiencies relating to user access 

controls, change management, and high-privileged access. 

  Order to Cash Process: Due to the material weakness described above, automated controls and manual controls that are 

dependent on information from affected IT systems around the order to cash process, which encompasses billing and pricing 

sub processes were found not to be effective. In addition, there was inadequate review and documentation of manual process 

level controls.  

During  the  year,  management  took  actions  to  remediate  these  material  weaknesses  including  improving  the  access  review 

process  by  implementing standard review procedures  across the  Company's divisions and  performing  periodic reviews.  High 

privileged access deficiencies were remediated by removing unnecessary access and performing periodic reviews as well as 

implementing  a  second  layer  of  access  authorization  where  possible.  Lastly,  ticketing  systems  and  mechanisms  were 

implemented along with documented approval matrices such that changes were adequately performed. Management tested the 

operating effectiveness of these controls as part of its year-end assessment and at that time was able to determine the actions 

remediated the material weakness. 

Changes in internal controls over financial reporting 

Other than the changes described in the "Remediation of Previously Reported Material Weaknesses" section above, there were 

no changes to the Company’s internal controls over financial reporting during the quarter ended December 31, 2022 that have 

materially affected, or are reasonably likely to materially affect, the Company’s internal controls over financial reporting.  

2022 Annual Report │49  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING 
FIRM 

To the Shareholders and Board of Directors TFI International Inc. 

Opinion on the Consolidated Financial Statements 

the  accompanying  consolidated  statements  of 

We  have  audited 
financial  position  of  TFI 
International Inc.  (the  "Company")  as  of  December 31,  2022  and  2021,  the  related  consolidated 
statements of income, comprehensive income, changes in equity, and cash flows for the years ended 
December 31,  2022  and  2021,  and  the  related  notes  (collectively,  the  "consolidated  financial 
statements").  In  our  opinion,  the  consolidated  financial  statements  present  fairly,  in  all  material 
respects, the financial position of the Company as of December 31, 2022 and 2021, and its financial 
performance and its cash flows for the years ended December 31, 2022 and 2021, in conformity with 
International  Financial  Reporting  Standards  as  issued  by  the  International  Accounting  Standards 
Board.  

We also have audited, in accordance with the standards of the Public Company Accounting Oversight 
Board  (United  States)  ("PCAOB"),  the  Company’s  internal  control  over  financial  reporting  as  of 
December 31, 2022, based on criteria established in Internal Control – Integrated Framework (2013) 
issued by the Committee of Sponsoring Organizations of the Treadway Commission, and our report 
dated  February  22,  2023  expressed  an  unqualified  opinion  on  the  effectiveness  of  the  Company’s 
internal control over financial reporting. 

Basis for Opinion 

These  consolidated  financial  statements  are  the  responsibility  of  the  Company’s  management.  Our 
responsibility is to express an opinion on these consolidated financial statements based on our audits. 
We are a public accounting firm registered with the PCAOB and are required to be independent with 
respect to the Company in accordance with the U.S. federal securities laws and the applicable rules 
and regulations of the Securities and Exchange Commission and the PCAOB. 

We conducted our audits in accordance with the standards of the PCAOB. Those standards require 
that  we  plan and  perform the  audit  to obtain reasonable  assurance  about whether  the consolidated 
financial  statements  are  free  of  material  misstatement,  whether  due  to  error  or  fraud.  Our  audits 
included  performing  procedures  to  assess  the  risks  of  material  misstatement  of  the  consolidated 
financial statements, whether due to error or fraud, and performing procedures that respond to those 
risks.  Such  procedures  included  examining,  on  a  test  basis,  evidence  regarding  the  amounts  and 
disclosures in the consolidated financial statements. Our audits also included evaluating the accounting 
principles  used  and  significant  estimates  made  by  management,  as  well  as  evaluating  the  overall 
presentation of the consolidated financial statements. We believe that our audits provide a reasonable 
basis for our opinion. 

2022 Annual Report │50  

 
 
 
 
 
Critical Audit Matters 

The critical audit matters communicated below are matters arising from the current period audit of the 
consolidated financial statements that were communicated or required to be communicated to the audit 
committee and that: (1) relate to accounts or disclosures that are material to the consolidated financial 
statements  and  (2)  involved  our  especially  challenging,  subjective,  or  complex  judgments.  The 
communication  of  critical  audit  matters  does  not  alter  in  any  way  our  opinion  on  the  consolidated 
financial statements,  taken as  a  whole,  and  we  are not, by communicating  the  critical audit  matters 
below,  providing separate opinions on the critical audit  matters or on the accounts or disclosures to 
which they relate. 

Evaluation of the fair value measurement of land and buildings acquired in the 
UPS Ground Freight Inc. acquisition 

As discussed in Notes 5(a) and 5(d) to the consolidated financial statements, on April 30, 2021, the 
Company completed the acquisition of UPS Freight, the less-than-truckload and dedicated truckload 
divisions of United Parcel Service, Inc. As a result of the business combination, the Company acquired, 
amongst other assets, land and buildings with a final fair value of $859.2 million. The fair value of land 
and  buildings  was  determined  by  management  using  the  market  comparison  technique  and  cost 
technique.  The  valuation  model  considers  market  prices  for  comparable  sites,  when  available,  and 
considers depreciated  replacement cost, which  reflects adjustments for physical deterioration,  when 
appropriate. Significant inputs included market prices for comparable sites and average rebuild cost. In 
fiscal 2022, adjustments were made to the provisional amounts which recasted the amounts recorded 
in  fiscal  2021.  A  final  bargain  purchase  gain  in  the  amount  of  $283.6  million  was  recognized  in  the 
statement of income for the year ended December 31, 2021. 

We identified the evaluation of the final fair value measurement of land and buildings acquired in the 
UPS Freight acquisition as a critical audit matter. There was a high degree of subjectivity that required 
significant auditor judgement in evaluating the market prices for comparable lands and average rebuild 
costs for comparable depreciated buildings. Additionally, the procedures required use of professionals 
with specialized skills and knowledge. 

The  following  are  the  primary  procedures  we  performed  to  address  this  critical  audit  matter.  We 
evaluated the design and tested the operating effectiveness of certain internal controls related to the 
update  of  the  valuation  process  of  the  land  and  buildings  to  finalize  the  provisional  amounts.  For  a 
sample of land and building items, we compared the market prices used by management to external 
market  data  for  comparable  items.  We  involved  valuation  professionals  with  specialized  skills  and 
knowledge,  who  assisted  in  evaluating  the  valuation  methods  and  certain  assumptions  used  in  the 
determination of the land and buildings final fair value measurements. 

2022 Annual Report │51  

 
 
 
 
 
 
 
 
Assessment of the self-insurance provisions 

As discussed in Note 17 to the consolidated financial statements, the Company has $96.3 million of 
self-insurance provisions as of December 31, 2022. As discussed in Note 3(l), self-insurance provisions 
represent the uninsured portion of outstanding claims at year-end. The provision represents an accrual 
for estimated future disbursements associated with the self-insured portion for claims filed at year-end 
and incurred but not reported related to cargo loss, bodily injury, worker’s compensation and property 
damages.  The  estimates  are  based  on  the  Company’s  historical  experience  including  settlement 
patterns and payment trends. 

We  identified  the  assessment  of  the  self-insurance  provisions  as  a  critical  audit  matter.  Significant 
auditor judgment was required to evaluate the amounts that will ultimately be paid to settle these claims. 
Significant assumptions that affected the estimated provisions included the consideration of historical 
claim experience, severity factors affecting the amounts ultimately paid which are used to determine 
the loss development patterns, and current and expected levels of cost per claims which are used to 
determine  expected  loss  ratios.  Additionally,  the  provisions  included  estimates  for  claims  that  have 
been  incurred  but  have  not  been  reported,  and  specialized  skills  and  knowledge  were  needed  to 
evaluate the actuarial methods and assumptions used to assess these estimates. 

The  following  are  the  primary  procedures  we  performed  to  address  this  critical  audit  matter.  We 
evaluated the design and tested the operating effectiveness of certain internal controls related to the 
reconciliation  and  monitoring  of  its  self-insurance  provision.  For  claims  for  which  the  estimate  is 
determined  using  actuarial  methods,  which  included  claims  incurred  but  not  reported,  we  involved 
actuarial professionals with specialized skills and knowledge, who assisted in: 

 

comparing  the  Company’s  actuarial  reserving  methods  with  generally  accepted  actuarial 
standards; 

  evaluating assumptions used in determining the provisions, including the loss development pattern 

and the expected loss ratios; 

  developing an expected range of the provisions, including for claims incurred but not reported, by 
applying  actuarial  methods  and  assumptions  to  the  Company’s  data  and  comparing  to  the 
Company’s estimated provisions. 

2022 Annual Report │52  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
For claims for which the estimate is not determined using actuarial methods, for a selection of claims, 
we confirmed with the Company’s external counsel regarding the Company’s evaluation of claims and 
any excluded claims. 

We have served as the Company’s auditor since 2003. 

Montréal, Canada 

February 22, 2023 

2022 Annual Report │53  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING 
FIRM 

To the Shareholders and Board of Directors of TFI International Inc. 

Opinion on Internal Control Over Financial Reporting  

We have audited TFI International Inc.’s (the "Company") internal control over financial reporting as of 
December 31, 2022, based on criteria established in Internal Control – Integrated Framework (2013) 
issued by the Committee of Sponsoring Organizations of the Treadway Commission. In our opinion, 
the Company maintained, in all material respects, effective internal control over financial reporting as 
of December 31, 2022, based on criteria established in Internal Control – Integrated Framework (2013) 
issued by the Committee of Sponsoring Organizations of the Treadway Commission.   

We also have audited, in accordance with the standards of the Public Company Accounting Oversight 
Board (United States) ("PCAOB"), the consolidated statements of financial position of the Company as 
of  December 31,  2022  and  2021,  the  related  consolidated  statements  of  income,  comprehensive 
income, changes in equity, and cash flows for the years ended December 31, 2022 and 2021, and the 
related notes (collectively, the "consolidated financial statements"), and our report dated February 22, 
2023 expressed an unqualified opinion on those consolidated financial statements. 

Basis for Opinion  

The  Company’s  management  is  responsible  for  maintaining  effective  internal  control  over  financial 
reporting and for its assessment of the effectiveness of internal control over financial reporting, included 
in  the  “Management’s  Annual  Report  on  Internal  Controls  over  Financial  Reporting”  section  in  the 
Company’s Management’s Discussion and Analysis. Our responsibility is to express an opinion on the 
Company’s internal control over financial reporting based on our audit. We are a public accounting firm 
registered  with  the  PCAOB  and  are  required  to  be  independent  with  respect  to  the  Company  in 
accordance  with  the  U.S.  federal  securities  laws  and  the  applicable  rules  and  regulations  of  the 
Securities and Exchange Commission and the PCAOB. 

We conducted our audit in accordance with the standards of the PCAOB. Those standards require that 
we plan and perform the audit to obtain reasonable assurance about whether effective internal control 
over  financial  reporting  was  maintained  in  all  material  respects.  Our  audit  of  internal  control  over 
financial  reporting  included  obtaining  an  understanding  of  internal  control  over  financial  reporting, 
assessing the risk that a material weakness exists, and testing and evaluating the design and operating 
effectiveness of internal control based on the assessed risk. Our audit also included performing such 
other procedures as we considered necessary in the circumstances. We believe that our audit provides 
a reasonable basis for our opinion. 

2022 Annual Report │54  

 
 
 
 
 
 
 
 
Definition and Limitations of Internal Control Over Financial Reporting  

A  company’s  internal  control  over  financial  reporting  is  a  process  designed  to  provide  reasonable 
assurance regarding the reliability of financial reporting and the preparation of financial statements for 
external purposes in accordance with generally accepted accounting principles. A company’s internal 
control  over  financial  reporting  includes  those  policies  and  procedures  that  (1) pertain  to  the 
maintenance  of  records  that,  in  reasonable  detail,  accurately  and  fairly  reflect  the  transactions  and 
dispositions  of  the  assets  of  the  company;  (2) provide  reasonable  assurance  that  transactions  are 
recorded  as  necessary  to  permit  preparation  of  financial  statements  in  accordance  with  generally 
accepted accounting principles, and that receipts and expenditures of the company are being made 
only in accordance with authorizations of management and directors of the company; and (3) provide 
reasonable  assurance  regarding  prevention  or  timely  detection  of  unauthorized  acquisition,  use,  or 
disposition of the company’s assets that could have a material effect on the financial statements. 

Because of its inherent limitations, internal control over financial reporting may not prevent or detect 
misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the 
risk  that  controls  may  become  inadequate  because  of  changes  in  conditions,  or  that  the  degree  of 
compliance with the policies or procedures may deteriorate. 

Montréal, Canada 

February 22, 2023 

2022 Annual Report │55  

 
 
 
 
 
 
 
TFI International Inc. 

(in thousands of U.S. dollars) 

Assets 

Cash and cash equivalents 
Trade and other receivables 
Inventoried supplies 
Current taxes recoverable 
Prepaid expenses 
Assets held for sale 

Current assets 

Property and equipment 
Right-of-use assets 
Intangible assets 
Investments 
Employee benefits 
Other assets 
Deferred tax assets 

Non-current assets 
Total assets 

Liabilities 

Trade and other payables 
Current taxes payable 
Provisions 
Other financial liabilities 
Long-term debt 
Lease liabilities 
Current liabilities 

Long-term debt 
Lease liabilities 
Employee benefits 
Provisions 
Other financial liabilities 
Deferred tax liabilities 

Non-current liabilities 
Total liabilities 

Equity 

Share capital 
Contributed surplus 
Accumulated other comprehensive income 
Retained earnings 

Total equity 

CONSOLIDATED STATEMENTS OF FINANCIAL POSITION 

Note 

7   

9   
10   
11   
12   
16   

18   

13   

17   

14   
15   

14   
15   
16   
17   

18   

19   
19, 21   

DECEMBER 31, 2022 AND 2021 

As at  

December 31,

2022  

As at
December 31,
2021*

147,117     
1,030,726     
24,181     
12,788     
38,501     
10,250     
1,263,563     

2,131,955     
381,640     
1,592,110     
85,964     
4,359     
19,192     
27,047 
4,242,267 
5,505,830 

708,768     
41,714     
43,903     
19,275     
37,087     
115,934     
966,681     

1,278,670     
297,105     
-     
131,736     
382     
368,186     
2,076,079     
3,042,760     

1,089,229     
41,491     
(233,321)    
1,565,671     
2,463,070 

19,292 
1,056,023 
24,402 
6,080 
54,518 
1,943 
1,162,258 

2,455,141 
398,533 
1,792,921 
31,391 
- 
13,724 
29,695 
4,721,405 
5,883,663 

861,908 
16,552 
39,012 
10,566 
363,586 
115,344 
1,406,968 

1,244,508 
313,862 
68,037 
108,145 
8,033 
423,755 
2,166,340 
3,573,308 

1,133,181 
39,150 
(144,665) 
1,282,689 
2,310,355 

Contingencies, letters of credit and other commitments 
Subsequent events 
Total liabilities and equity 
*  Recasted  in  fiscal  2022  for  adjustments  made  to  provisional  amounts  of  UPS  Freight  prior  year’s  business  combination  (see  note  5d))  and  for  change  in 
presentation (see note 12). 

5,505,830 

5,883,663 

27 
29 

The notes on pages 61 to 103 are an integral part of these consolidated financial statements. 

On behalf of the Board: 

Director 

Alain Bédard 

Director 

André Bérard 

2022 Annual Report │56  

 
 
 
 
 
 
 
 
 
   
   
 
   
 
 
   
 
   
 
   
 
   
 
   
 
 
   
   
 
 
 
 
 
   
   
 
 
 
   
 
 
   
 
 
 
 
 
   
   
 
 
   
 
 
   
 
 
 
   
 
 
   
   
 
 
 
 
 
   
 
 
   
 
   
 
 
   
   
 
   
   
 
 
   
   
   
   
 
   
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
TFI International Inc. 

CONSOLIDATED STATEMENTS OF INCOME
YEARS ENDED DECEMBER 31, 2022 AND 2021 

(In thousands of U.S. dollars, except per share amounts) 

Note

2022  

2021*  

Revenue 
Fuel surcharge 
Total revenue 

Materials and services expenses 
Personnel expenses 
Other operating expenses 
Depreciation of property and equipment 
Depreciation of right-of-use assets 
Amortization of intangible assets 
Gain on sale of business 
Bargain purchase gain 
Gain on sale of rolling stock and equipment 
Gain on derecognition of right-of-use assets 
(Gain) loss on sale of land and buildings 
Gain on sale of assets held for sale 
Loss on disposal of intangible assets 
Total operating expenses 

Operating income 

Finance (income) costs 
Finance income 
Finance costs 
Net finance costs 

Income before income tax 
Income tax expense 

Net income 

Earnings per share 
       Basic earnings per share 
       Diluted earnings per share 

7,357,064 
1,455,427 
8,812,491 

4,592,191 
2,362,856 
492,291 
248,638 
126,276 
55,679 
(73,653) 
- 
(59,661) 
(210) 
(43) 
(77,911) 
- 
7,666,453 

1,146,038 

(1,750) 
82,147 
80,397 

1,065,641 
242,409 

823,232 

9.21 
9.02 

22 
23 

9 
10 
11 
6 
5 

24 
24 

25 

20 
20 

6,468,785 
751,644 
7,220,429 

3,815,453 
1,974,081 
380,342 
225,007 
112,782 
55,243 
- 
(283,593) 
(24,644) 
(1,282) 
19 
(12,209) 
1 
6,241,200 

979,229 

(5,127) 
78,145 
73,018 

906,211 
151,806 

754,405 

8.11 
7.91 

* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d))  

The notes on pages 61 to 103 are an integral part of these consolidated financial statements. 

2022 Annual Report │57  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
   
 
     
 
 
 
 
 
 
 
TFI International Inc. 

(In thousands of U.S. dollars) 

Net income 

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
YEARS ENDED DECEMBER 31, 2022 AND 2021 

2022  

2021*

823,232     

754,405 

Other comprehensive (loss) income 
Items that may be reclassified to income or loss in future years: 

Foreign currency translation differences 
Net investment hedge, net of tax 
Employee benefits, net of tax 

Items that may never be reclassified to income: 

Defined benefit plan remeasurement, net of tax 

Items directly reclassified to retained earnings: 

Unrealized (loss) gain on investments in equity securities 
measured at fair value through OCI, net of tax 

Other comprehensive (loss) income, net of tax 

(10,148)    
(72,046)    
292     

63,508     

(5,495)    
(23,889)    

Total comprehensive income 
* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

799,343     

The notes on pages 61 to 103 are an integral part of these consolidated financial statements.

12,960 
(15,542) 
87 

(4,128) 

24,147 
17,524 

771,929 

2022 Annual Report │58  

 
 
 
 
 
 
   
   
   
 
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
   
 
 
 
   
TFI International Inc. 

(In thousands of U.S. dollars) 

CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
YEARS ENDED DECEMBER 31, 2022 AND 2021

  Accumulated   
unrealized   
loss on   
employee   

    Accumulated   Accumulated  
unrealized  
gain (loss)
on invest-

foreign  
currency  
translation  
differences  

Note 

Share   Contributed  
surplus  
capital

benefit    & net invest-

plans    ment hedge  

ments in  
equity  
securities  

Retained  
earnings  
(deficit)

Total
equity  
attributable  
to owners  
of the  
Company  

Balance as at December 31, 2021* 

    1,133,181 

39,150 

(292) 

(156,926) 

12,553 

   1,282,689 

2,310,355 

Net income 
Other comprehensive income (loss), net of tax 
Realized (loss) gain on equity securities 
Total comprehensive income (loss) 

- 
- 
- 
-     

- 
- 
- 
-     

- 
292 
- 
292     

- 
(82,194) 
- 

(82,194)     

- 
(5,495) 
(1,259) 
(6,754)     

823,232 
63,508 
1,259 
887,999     

Share-based payment transactions, net of tax 
Stock options exercised, net of tax 
Dividends to owners of the Company 
Repurchase of own shares 
Net settlement of restricted share units, net of tax 
Total transactions with owners, recorded directly in equity 

21   
19, 21   
19   
19   
19, 21   

- 
22,800 
- 
(68,536) 
1,784 
(43,952) 

16,298 
(6,298) 
- 
- 
(7,659) 
2,341     

- 
- 
- 
- 
- 
-     

- 
- 
- 
- 
- 
-     

- 
- 
- 
- 
- 
-     

- 
- 
(102,615) 
(499,447) 
(2,955) 
(605,017)     

823,232 
(23,889) 
- 
799,343 

16,298 
16,502 
(102,615) 
(567,983) 
(8,830) 
(646,628) 

Balance as at December 31, 2022 

    1,089,229     

41,491     

-     

(239,120)     

5,799      1,565,671     

2,463,070 

Balance as at December 31, 2020 

    1,120,049     

19,783     

(379)     

(154,344)     

-     

803,503     

1,788,612 

Net income* 
Other comprehensive income (loss), net of tax 
Realized (loss) gain on equity securities 
Total comprehensive income (loss) 

- 
- 
- 
- 

Share-based payment transactions, net of tax 
Stock options exercised, net of tax 
Dividends to owners of the Company 
Repurchase of own shares 
Net settlement of restricted share units, net of tax 
Total transactions with owners, recorded directly in equity 

21   
19, 21   
19   
19   
19, 21   

- 
26,324 
- 
(23,449) 
10,257 
13,132 

- 
- 
- 
- 

27,577 
(3,266) 
- 
- 
(4,944) 
19,367 

Balance as at December 31, 2021* 
* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d))  

    1,133,181 

39,150 

The notes on pages 61 to 103 are an integral part of these consolidated financial statements. 

- 
87 
- 
87 

- 
- 
- 
- 
- 
- 

- 
(2,582) 
- 
(2,582) 

- 
24,147 
(11,594) 
12,553 

- 
- 
- 
- 
- 
- 

- 
- 
- 
- 
- 
- 

754,405 
(4,128) 
11,594 
761,871 

- 
- 
(89,121) 
(174,704) 
(18,860) 
(282,685) 

754,405 
17,524 
- 
771,929 

27,577 
23,058 
(89,121) 
(198,153) 
(13,547) 
(250,186) 

(292) 

(156,926) 

12,553 

   1,282,689 

2,310,355 

2022 Annual Report │59  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
  
  
 
 
 
 
 
 
   
 
 
 
 
 
   
 
 
  
  
  
 
 
   
 
 
  
  
  
 
 
   
 
 
  
  
  
 
 
   
 
 
 
 
 
   
 
 
 
 
 
 
 
  
  
  
 
 
 
 
  
  
  
 
 
 
 
  
  
  
 
 
 
 
  
  
  
 
 
 
 
  
  
  
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
   
 
 
  
  
  
 
 
   
 
 
  
  
  
 
 
   
 
 
  
  
  
 
 
   
 
 
  
  
  
 
 
 
 
 
 
 
 
 
 
 
 
  
  
  
 
 
 
 
  
  
  
 
 
 
 
  
  
  
 
 
 
 
  
  
  
 
 
 
 
  
  
  
 
 
   
 
 
  
  
  
 
 
 
 
 
 
 
 
 
 
 
 
  
  
 
TFI International Inc. 

CONSOLIDATED STATEMENTS OF CASH FLOWS
YEARS ENDED DECEMBER 31, 2022 AND 2021

(In thousands of U.S. dollars) 

  Note  

2022  

2021*

823,232     

754,405 

Cash flows from operating activities 

Net income 
Adjustments for: 

Depreciation of property and equipment 
Depreciation of right-of-use assets 
Amortization of intangible assets 
Share-based payment transactions 
Net finance costs 
Income tax expense 
Gain on sale of business 
Bargain purchase gain 
Gain on sale of property and equipment 
Gain on derecognition of right-of-use assets 
Gain on sale of assets held for sale 
Loss on disposal of intangible assets 
Employee benefits 
Provisions, net of payments 

Net change in non-cash operating working capital 
Interest paid 
Income tax paid 

Net cash from operating activities 

Cash flows from (used in) investing activities 

Purchases of property and equipment 
Proceeds from sale of property and equipment 
Proceeds from sale of assets held for sale 
Purchases of intangible assets 
Proceeds from sale of intangible assets 
Proceeds from sale of business, net of cash disposed 
Business combinations, net of cash acquired 
Purchases of investments 
Proceeds from sale of investments 
Others 

Net cash from (used in) investing activities 

Cash flows (used in) from financing activities 
Net decrease (increase) in bank indebtedness 
Proceeds from long-term debt 
Repayment of long-term debt 
Net (increase) decrease in revolving facilities 
Repayment of lease liabilities 
Repayment of other financial liabilities 
Dividends paid 
Repurchase of own shares 
Proceeds from exercise of stock options 
Payment for settlement of restricted share units 

Net cash (used in) from financing activities 

Net change in cash and cash equivalents 
Cash and cash equivalents, beginning of year 
Cash and cash equivalents, end of year 
* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d))  

127,825     
19,292     
147,117     

The notes on pages 61 to 103 are an integral part of these consolidated financial statements.

9     
10     
11     
21     
24     
25     
6     

8     

9     

11     

6     
5     

14     
14     
14     
15     

19     
19     

248,638 
126,276 
55,679 
14,648 
80,397 
242,409 
(73,653) 
- 

(59,704)    
(210)    
(77,911)    
-     
14,946     
26,044     
(147,453)    
(77,512)    
(224,181)    
971,645     

(350,824)    
128,821     
131,250     
(6,120)    
250     
546,228     
(158,251)    
(80,551)    
12,930     
(311)    
223,422     

7,490     
334,164     
(369,692)    
(236,502)    
(123,606)    
(21,108)    
(97,321)    
(567,983)    
16,502     
(9,186)    
(1,067,242)    

225,007 
112,782 
55,243 
15,424 
73,018 
151,806 
- 
(283,593) 
(24,625) 
(1,282) 
(12,209) 
1 
(20,193) 
21,890 
41,940 
(65,453) 
(188,810) 
855,351 

(268,656) 
92,842 
19,869 
(7,143) 
- 
- 
(1,008,131) 
(35,913) 
40,686 
3,789 
(1,162,657) 

(7,173) 
661,039 
(43,868) 
118,859 
(115,336) 
(11,216) 
(85,386) 
(198,153) 
20,114 
(16,579) 
322,301 

14,995 
4,297 
19,292 

2022 Annual Report │60  

 
 
 
 
 
 
 
 
 
 
   
     
 
   
     
   
     
     
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
 
   
 
   
     
     
   
     
   
     
   
     
   
     
   
 
   
 
   
 
   
 
 
 
 
 
 
 
 
 
   
   
   
 
   
 
   
   
 
   
   
   
 
   
 
   
 
   
 
   
 
 
   
   
 
   
   
 
   
   
   
   
   
 
   
 
   
   
   
 
   
 
   
 
 
 
 
 
 
 
   
 
   
 
   
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

1.  Reporting entity 

TFI  International  Inc.  (the  “Company”)  is  incorporated  under  the  Canada  Business  Corporations  Act,  and  is  a  company  domiciled  in 

Canada. The address of the Company’s registered office is 8801 Trans-Canada Highway, Suite 500, Montreal, Quebec, H4S 1Z6. 

The consolidated financial statements of the Company as at and for the years ended December 31, 2022 and 2021 comprise the Company 

and its subsidiaries (together referred to as the “Group” and individually as “Group entities”). 

The Group is involved in the provision of transportation and logistics services across the United States, Canada and Mexico. 

2.  Basis of preparation 

a)  Statement of compliance 

These  consolidated  financial  statements  have  been  prepared  in  accordance  with  International  Financial  Reporting  Standards 

(“IFRS”) as issued by the International Accounting Standards Board (“IASB”).  

These consolidated financial statements were authorized for issue by the Board of Directors on February 22, 2023. 

b)  Basis of measurement 

These consolidated financial statements have been prepared on the historical cost basis except for the following material items in 

the statements of financial position: 

 

 

 

investment in equity securities, derivative financial instruments and contingent considerations are measured at fair value; 

liabilities for cash-settled share-based payment arrangements are measured at fair value in accordance with IFRS 2; 

the defined benefit pension plan liability is recognized as the net total of the present value of the defined benefit obligation less 

the fair value of the plan assets; and 

 

assets and liabilities acquired in business combinations are measured at fair value at acquisition date. 

These consolidated financial statements are expressed in U.S. dollars, except where otherwise indicated. 

c)  Functional and presentation currency 

The Company’s consolidated financial statements are presented in U.S. dollars (“U.S. dollars” or “USD”). All information in these 

consolidated financial statements is presented in USD unless otherwise specified. 

The Company’s functional currency is the Canadian dollar (“CAD” or “CDN$”). Translation gains and losses from the application of 

the  U.S.  dollar  as  the  presentation  currency  while  the  Canadian  dollar  is  the  functional  currency  are  included  as  part  of  the 

accumulated foreign currency translation differences and net investment hedge. 

All financial information presented in U.S. dollars has been rounded to the nearest thousand. 

d)  Use of estimates and judgments 

The  preparation  of  the  accompanying  financial  statements  in  conformity  with  IFRS  requires  management  to  make  judgments, 

estimates and assumptions about future events. These estimates and the underlying assumptions affect the reported amounts of 

assets and liabilities, the disclosures about contingent assets and liabilities, and the reported amounts of revenues and expenses. 

Such estimates include the valuation of goodwill and intangible assets, the measurement of identified assets and liabilities acquired 

in  business  combinations,  income  tax  provisions,  defined  benefit  obligation  and  the  self-insurance  and  other  provisions  and 

contingencies. These estimates and assumptions are based on management’s best estimates and judgments. 

Management evaluates its estimates and assumptions on an ongoing basis using historical experience and other factors, including 

the current economic environment, which management believes to be reasonable under the circumstances. Management adjusts 

such estimates and assumptions when facts and circumstances dictate. Actual results could differ from these estimates. Changes 

in those estimates and assumptions resulting from changes in the economic environment will be reflected in the financial statements 

of future periods. 

2022 Annual Report │61  

 
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Information about critical judgments, assumptions and estimation uncertainties that have a significant risk of resulting in a material 

adjustment within the next financial year is included in the following notes: 

Note 5 – Establishing the fair value of intangible assets and land and buildings related to business combinations; 

Note 16 – Determining estimates and assumptions related to the evaluation of the defined benefit obligation; and 

Note 17 – Determining estimates and assumptions related to the evaluation of provisions for self-insurance and litigations. 

3.  Significant accounting policies 

The accounting policies set out below have been applied consistently to all periods presented in these consolidated financial statements, 

unless otherwise indicated. The accounting policies have been applied consistently by Group entities. 

a)  Basis of consolidation 

i) 

Business combinations 

The Group measures goodwill as the fair value of the consideration transferred including the fair value of liabilities resulting 

from contingent consideration arrangements, less the net recognized amount of the identifiable assets acquired and liabilities 

assumed,  all  measured  at  fair  value  as  of  the  acquisition  date.  When  the  excess  is  negative,  a  bargain  purchase  gain  is 

recognized immediately in income or loss. 

Transaction costs, other than those associated with the issue of debt or equity securities, that the Group incurs in connection 

with a business combination, are expensed as incurred. 

ii) 

Subsidiaries 

Subsidiaries are entities controlled by the Group. The Group controls an entity when it is exposed to, or has the right to, variable 

returns from its involvement with the entity and has the ability to affect those through its power over the entity. The financial 

statements of subsidiaries are included in the consolidated financial statements from the date that control commences until the 

date that control ceases. 

iii) 

Transactions eliminated on consolidation 

Intra-group  balances  and  transactions,  and  any  unrealized  income  and  expenses  arising  from  intra-group  transactions,  are 

eliminated in preparing the consolidated financial statements. 

b)  Foreign currency translation 

i) 

Foreign currency transactions 

Transactions in foreign currencies are  translated to  the respective functional currencies  of  the Group’s entities  at exchange 

rates at the dates of the transactions. Monetary assets and liabilities denominated in foreign currencies are translated to the 

functional currency at the exchange rate in effect at the reporting date. The foreign currency gain or loss on monetary items is 

the difference between amortized cost in the functional currency at the beginning of the period, adjusted for effective interest 

and payments during the period, and the amortized cost in foreign currency translated at the exchange rate at the end of the 

reporting period.  Non-monetary  assets  and liabilities that are measured  in  terms of  historical cost in a  foreign currency  are 

translated  at  the  rate  in  effect  on  the  transaction  date.  Income  and  expense  items  denominated  in  foreign  currency  are 

translated at the date of the transactions. Gains and losses are included in income or loss. 

ii) 

Foreign operations 

The assets and liabilities of foreign operations, including goodwill and fair value adjustments arising on business combinations, 

are  translated  to  Canadian  dollars  at  exchange  rates  in  effect  at  the  reporting  date.  The  income  and  expenses  of  foreign 

operations are translated to Canadian dollars at the average exchange rate in effect during the reporting period. 

Foreign  currency  differences  are  recognized  in  other  comprehensive  income  (“OCI”)  in  the  accumulated  foreign  currency 

translation differences account. 

2022 Annual Report │62  

 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

When  a  foreign  operation  is  disposed  of,  the  relevant  amount  in  the  cumulative  amount  of  foreign  currency  translation 

differences is transferred to income or loss as part of the income or loss on disposal. On the partial disposal of a subsidiary 

while retaining control, the relevant proportion of such cumulative amount is reattributed to non-controlling interest. In any other 

partial disposal of a foreign operation, the relevant proportion is reclassified to income or loss. 

Foreign exchange gains or losses arising from a monetary item receivable from or payable to a foreign operation, the settlement 

of which is neither planned nor likely to occur in the foreseeable future and which in substance is considered to form part of the 

net investment in the foreign operation, are recognized in other comprehensive income in the accumulated foreign currency 

translation differences account. 

Translation gains and losses from the application of U.S dollars as the presentation currency while the Canadian dollar is the 

functional currency are included as part of the cumulative foreign currency translation adjustment. 

c)  Financial instruments 

i) 

Non-derivative financial assets  

The  Group  initially  recognizes  financial  assets  on  the  trade  date  at  which  the  Group  becomes  a  party  to  the  contractual 

provisions of the instrument. Financial assets are initially measured at fair value, except for trade receivables which are initially 

measured at their transaction price when the trade receivables do not contain a significant financing component. If the financial 

asset is not subsequently accounted for at fair value through profit or loss, then the initial measurement includes transaction 

costs that are directly attributable to the asset’s acquisition or origination. On initial recognition, the Group classifies its financial 

assets as subsequently measured at either amortized cost or fair value, depending on its business model for managing the 

financial assets and the contractual cash flow characteristics of the financial assets and depending on the purpose for which 

the financial assets were acquired.  

The Group derecognizes a financial asset when the contractual rights to the cash flows from the asset expire, or it transfers the 

rights to receive the contractual cash flows on the financial asset in a transaction in which substantially all the risks and rewards 

of ownership of the financial asset are transferred. Any interest in transferred financial assets that is created or retained by the 

Group is recognized as a separate asset or liability. 

Financial assets and liabilities are offset and the net amount is presented in the statement of financial position when, and only 

when, the Group has a legal right to offset the amounts and intends either to settle on a net basis or to realize the asset and 

settle the liability simultaneously.  

Financial assets measured at amortized cost  

A financial asset is subsequently measured at amortized cost, using the effective interest method and net of any impairment 

loss, if:  

 

 

The asset is held within a business model whose objective is to hold assets in order to collect contractual cash flows; and  

The contractual terms of the financial asset give rise, on specified dates, to cash flows that are solely payments of principal 

and/or interest.  

The Group currently classifies its cash equivalents, trade and other receivables and long-term non-trade receivables included 

in other non-current assets as financial assets measured at amortized cost. 

The Group recognizes loss allowances for expected credit losses on financial assets measured at amortized cost. The Group 
has a portfolio of trade receivables at the reporting date. The Group uses a provision matrix to determine the lifetime expected 

credit losses for the portfolio.   

The Group uses historical trends of the probability of default, the timing of recoveries and the amount of loss incurred, adjusted 

for management’s judgement as to whether current economic and credit conditions are such that the actual losses are likely to 

be greater or less than suggested by historical trends.  

An  impairment  loss  in  respect  of  a  financial  asset  measured  at  amortized  cost  is  calculated  as  the  difference  between  its 

carrying amount and the present value of the estimated future cash flows discounted at the asset’s original effective interest 

rate. Losses are recognized in income or loss and reflected in an allowance account against trade and other receivables.  

2022 Annual Report │63  

 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Financial assets measured at fair value  

These assets  are measured at fair value and changes  therein, including any interest  or dividend  income,  are recognized in 

income  or  loss.  However,  for  investments  in  equity  instruments  that  are  not  held  for  trading,  the  Group  may  elect  at  initial 

recognition to present gains and losses in other comprehensive income. For such investments measured at fair value through 

other comprehensive income, gains and losses are never reclassified to profit or loss, and no impairment is recognized in profit 

or  loss.  Dividends  earned  from  such  investments  are  recognized  in  profit  or  loss,  unless  the  dividend  clearly  represents  a 

repayment of part of the cost of the investment.  

Financial assets measured at fair value through other comprehensive income  

On initial recognition of an equity investment that is not held for trading, the Group may irrevocably elect to present subsequent 

changes in the investment’s fair value in OCI. This election is made on an investment-by-investment basis.  

ii) 

Non-derivative financial liabilities  

The Group initially recognizes debt issued and subordinated liabilities on the date that they are originated. All other financial 

liabilities are  recognized  initially on  the trade  date  at which the  Group becomes  a party to the contractual provisions  of the 

instrument. 

A financial liability is derecognized when its contractual obligations are discharged or cancelled or expire. 

Financial liabilities are classified into financial  liabilities  measured  at  amortized cost  and  financial  liabilities  measured at  fair 

value.  

Financial liabilities measured at amortized cost  

A  financial  liability  is  subsequently  measured  at  amortized  cost,  using  the  effective  interest  method.  The  Group  currently 

classifies bank indebtedness, trade and other payables and long-term debt as financial liabilities measured at amortized cost.  

Financial liabilities measured at fair value  

Financial liabilities at fair value are initially recognized at fair value and are re-measured at each reporting date with any changes 

therein  recognized  in  net  earnings.  The  Group  currently  classifies  its  contingent  consideration  liability  in  connection  with  a 

business acquisition as a financial liability measured at fair value. 

iii) 

Share capital 

Common shares 

Common  shares  are  classified  as  equity.  Incremental  costs  directly  attributable  to  the  issue  of  common  shares  and  stock 

options are recognized as a deduction to share capital, net of any tax effects. 

When share capital recognized as equity is repurchased, share capital is reduced by the amount equal to weighted average 

historical cost of repurchased equity. The excess amount of the consideration paid, which includes directly attributable costs, 

net of any tax effects, is recognized as a deduction from retained earnings. 

iv) 

Derivative financial instruments 

The Group uses derivative financial instruments to manage its foreign currency and interest rate risk exposures. Embedded 

derivatives are separated from the host contract and accounted for separately if the economic characteristics and risks of the 

host contract and the embedded derivative are not closely related, a separate instrument with the same terms as the embedded 

derivative would meet the definition of a derivative, and the combined instrument is not measured at fair value through income 

or loss. 

Derivatives and embedded derivatives are recognized initially at fair value; related transaction costs are recognized in income 

or loss as incurred. Subsequent to initial recognition, derivatives and embedded derivatives are measured at fair value, and 

changes therein are recognized in net change in fair value of foreign exchange derivatives in income or loss with the exception 

of net change in fair value of cross currency interest rate swap contracts recognized in net foreign exchange gain or loss in 

income or loss. 

2022 Annual Report │64  

 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

d)  Hedge accounting 

Management’s risk strategy is focused  on  reducing  the variability in profit  or losses  and cash flows  associated  with exposure to 

market risks. Hedge accounting is used to reduce this variability to an acceptable level. The hedges employed by the Group reduce 

the currency fluctuation exposures. 

On the initial designation of a hedging relationship, the Group formally documents the relationship between the hedging instrument 

and the hedged items, including the risk management objectives and strategy in undertaking the hedge transaction, together with 

the methods that will be used to assess the effectiveness of the hedging relationship. The Group makes an assessment, both at the 

inception of the hedge relationship as well as on an ongoing basis, whether the hedging instruments are expected to be effective in 

offsetting the changes in the fair value or cash flows of the respective hedged items throughout the period for which the hedge is 

designated.   

Net investment hedge 

The Group designates a portion of its U.S. dollar denominated debt as a hedging item in a net investment hedge. The Group applies 

hedge accounting to foreign currency differences arising between the functional currency of the foreign operation and the Company’s 

functional currency (CAD), regardless of whether the net investment is held directly or through an intermediate parent.  

Foreign currency differences arising on the translation of a financial liability designated as a hedge of a net investment in foreign 

operations are recognized in other comprehensive income to the extent that the hedge is effective and are presented in the currency 

translation differences account within equity. To the extent that the hedge is ineffective, such differences are recognized in income 

or loss. When the hedged net investment is disposed of, the relevant amount in the translation reserve is transferred to income or 

loss as part of the gain or loss on disposal. 

e)  Property and equipment 

Property and equipment are accounted for at cost less accumulated depreciation and accumulated impairment losses. 

Cost includes expenditures that are directly attributable to the acquisition of the asset and borrowing costs on qualifying assets. 

When  parts  of  an  item  of  property  and  equipment  have  different  useful  lives,  they  are  accounted  for  as  separate  items  (major 

components) of property and equipment. 

Gains and losses on disposal of an item of property and equipment are determined by comparing the proceeds from disposal with 

the carrying amount of property and equipment, and are recognized in net income or loss. 

Depreciation is based on the cost of an asset less its residual value and is recognized in income or loss over the estimated useful 

life of each component of an item of property and equipment. 

The depreciation method and useful lives are as follows:  

Categories 

Buildings 

Rolling stock 

Equipment 

Basis

Straight-line

Primarily straight-line

Primarily straight-line

Useful lives 

15 – 40 years 

3 – 20 years 

5 – 12 years 

Depreciation  methods,  useful  lives  and  residual  values  are  reviewed  at  each  financial  year-end  and  adjusted  prospectively,  if 

appropriate. 

Property and equipment are reviewed for impairment in accordance with IAS 36 Impairment of Assets when there are indicators that 

the carrying value may not be recoverable. 

f) 

Intangible assets 

i) 

Goodwill 

Goodwill that arises upon business combinations is included in intangible assets.  

Goodwill is not amortized and is measured at cost less accumulated impairment losses. 

2022 Annual Report │65  

 
 
 
 
 
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

ii) 

Other intangible assets 

Intangible assets consist of customer relationships, trademarks, non-compete agreements and information technology. 

The  Group  determines  the  fair  value  of  the  customer  relationship  intangible  assets  using  the  excess  earnings  model  and 

internally developed significant assumptions including:  

1.  Forecasted revenue attributable to existing customer contracts and relationships; 

2.  Estimated annual attrition rate; 

3.  Forecasted operating margins; and 

4.  Discount rates 

The internally developed assumptions are based on limited observable market information which cause measurement uncertainty, 

and the fair value of the customer related intangible assets are sensitive to changes to these assumptions. 

Intangible  assets  that  are  acquired  by the  Group  and  have  finite  lives  are  measured  at  cost less  accumulated  amortization  and 

accumulated impairment losses. 

Intangible assets with finite lives are amortized on a straight-line basis over the following estimated useful lives: 

Categories 

Customer relationships 

Trademarks 

Non-compete agreements 

Information technology 

Useful lives

5 – 20 years

5 – 20 years

3 – 10 years

5 – 7 years

Useful lives are reviewed at each financial year-end and adjusted prospectively, if appropriate. 

g)  Leases 

At inception of a contract, the Group assesses whether a contract is, or contains, a lease. A contract is, or contains, a lease if the 

contract conveys the right to  control the use  of an identified asset for a period of time in exchange for consideration.  To assess 

whether a contract conveys the right to control the use of an identified asset, the Group assesses whether: 

 

the contract involves the use of an identified asset – this may be specific explicitly or implicitly, and should be physically distinct 

or represent substantially all of the capacity of a physically distinct asset. If the supplier has a substantive substitution right, the 

asset is not identified; 

 

the Group has the right to obtain substantially all of the economic benefits from use of the asset throughout the period of use; 

and 

 

the Group has the right to direct the use of the asset. The Group has this right when it has the decision-making rights that are 

most relevant to changing how and for what purpose the asset is used.  

At inception or on reassessment of a contract that contains a lease component, the Group allocates the consideration in the contract 

to each lease component on the basis of their relative stand-alone prices.  

The Group recognizes a right-of-use asset and a lease liability at the lease commencement date. The right-of-use asset is initially 

measured at cost, which comprises the initial amount of the lease liability adjusted for any lease payments made at or before the 

commencement date, plus any initial direct costs incurred, less any lease incentives received.  

The assets are depreciated to the earlier of the end of the useful life of the right-of-use asset or the lease term using the straight-

line method as this most closely reflects the expected pattern consumption of the future economic benefits. The lease term includes 

periods covered by an option to extend if the Group is reasonably certain to exercise that option. In addition, the right-of-use asset 

is periodically reduced by impairment losses, if any, and adjusted for certain remeasurements of the lease liability.   

The lease  liability is  initially measured  at the present value  of the lease  payments  that  are not paid at the commencement  date, 

discounted using the interest rate implicit in the lease or, if that cannot be readily determined, the Group's incremental borrowing 

2022 Annual Report │66  

 
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

rate. The incremental borrowing rate is a function of the Group’s incremental borrowing rate, the nature of the underlying asset, the 

location of the asset and the length of the lease. Generally, the Group uses its incremental borrowing rate as the discount rate. 

The lease liability is measured at amortized cost using the effective interest method. It is remeasured when there is a change in the 

future lease payments arising from a change in an index or rate, if there is a change in the Group's estimate of the amount expected 

to  be  payable  under  a  residual  value  guarantee,  or  if the  Group  changes  its  assessment  of  whether  it  will  exercise  a  purchase, 

extension or termination option.  

When the lease liability is remeasured in this way, a corresponding adjustment is made to the carrying amount of the right-of-use 

asset, or is recorded in profit or loss if the carrying amount of the right-of-use asset has been reduced to zero. 

The Group has elected not to recognise right-of-use assets and lease liabilities for short-term leases that have a lease term of 12 

months or leases and leases of low-value assets. The Group recognises these lease payments as an expense on a straight-line 

basis over the lease term. 

h) 

Inventoried supplies 

Inventoried supplies consist primarily of repair parts and fuel and are measured at the lower of cost and net realizable value. 

i) 

Impairment 

Non-financial assets 

The carrying amounts of the Group’s non-financial assets other than inventoried supplies and deferred tax assets are reviewed at 

each  reporting  date  to  determine  whether  there  is  any  indication  of  impairment.  If  any  such  indication  exists,  then  the  asset’s 

recoverable amount is estimated. For goodwill, the recoverable amount is estimated on December 31 of each year. 

For  the  purpose  of  impairment  testing,  assets  that  cannot  be  tested  individually  are  grouped  together  into  the  smallest  group  of 

assets that generates cash inflows from continuing use that are largely independent of the cash inflows of other assets or groups of 

assets  (the  “cash-generating  unit”,  or  “CGU”).  For  the  purposes  of  goodwill  impairment  testing,  goodwill  acquired  in  a  business 

combination is allocated to the group of CGUs (usually a Group’s operating segment), that is expected to benefit from the synergies 

of the combination. This allocation is subject to an operating segment ceiling test and reflects the lowest level at which that goodwill 

is  monitored  for  internal  reporting  purposes.  The  Company  performs  goodwill  impairment  testing  annually,  or  more  frequently  if 

events or circumstances indicate the carrying value of a CGU, which is a Group’s operating segment, may exceed the recoverable 

amount of the CGU. The recoverable amount of an asset or CGU is the greater of its value in use and its fair value less costs to sell. 

In assessing value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that 

reflects current market assessments of the time value of money and the risks specific to the asset or group of assets. The fair value 

less cost to sell is based on market comparable multiples applied to forecasted earnings before financial expenses, income taxes, 

depreciation and amortization ("adjusted EBITDA") for the next year, which takes into account financial forecasts approved by senior 

management. 

The Group’s corporate assets do not generate separate cash inflows. If there is an indication that a corporate asset may be impaired, 

then the recoverable amount is determined for the CGU to which the corporate asset belongs. 

An  impairment  loss  is  recognized  if  the  carrying  amount  of  an  asset  or  its  CGU  exceeds  its  estimated  recoverable  amount. 

Impairment losses recognized in respect of CGUs are allocated first to reduce the carrying amount of any goodwill allocated to the 

units, if any, and then to reduce the carrying amounts of the other assets in the unit (group of units) on a prorata basis. 

An impairment loss in respect of goodwill is not reversed. In respect of other assets, impairment losses recognized in prior periods 

are  assessed  at  each  reporting  date  for  any  indications  that  the  loss  has  decreased  or  no  longer  exists.  An  impairment  loss  is 

reversed if there has been a change in the estimates used to determine the recoverable amount. An impairment loss is reversed 

only to the extent that the asset’s carrying amount does not exceed the carrying amount that would have been determined, net of 

depreciation or amortization, if no impairment loss had been recognized. Impairment losses and impairment reversals are recognized 

in income or loss. 

2022 Annual Report │67  

 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

j)  Assets held for sale 

Non-current assets are classified as held-for-sale if it is highly probable that they will be recovered primarily through sale rather than 

through continuing use.  

Such assets are generally measured at the lower of their carrying amount and fair value less costs to sell. Impairment losses on 

initial classification as held-for-sale or held-for-distribution and subsequent gains and losses on remeasurement are recognized in 

income or loss. 

Once classified as held-for-sale, intangible assets and property and equipment are no longer amortized or depreciated. 

k)  Employee benefits 

i) 

Defined contribution plans 

A defined contribution plan is a post-employment benefit plan under which an entity pays fixed contributions into a separate 

entity  and  will  have  no  legal  or  constructive  obligation  to  pay  further  amounts.  Obligations  for  contributions  to  defined 

contribution  pension  plans  are  recognized  as  an  employee  benefit  expense  in  income  or  loss  in  the  periods  during  which 

services are rendered by employees. Prepaid contributions are recognized as an asset to the extent that a cash refund or a 

reduction in future payments is available. 

ii) 

Defined benefit plans 

The Group’s net obligation in respect of defined benefit pension plans is calculated separately for each plan by estimating the 

amount of future benefit that employees have earned in return for their services in the current and prior periods discounting 

that amount and deducting the fair value of any plan assets. The discount rate is the yield at the reporting date on AAA, AA or 

A credit-rated fixed income securities that have maturity dates approximating the terms of the Group’s obligations and that are 

denominated in the same currency in which the benefits are expected to be paid. The calculation is performed annually by a 

qualified actuary using the projected unit credit method. When the calculation results in a benefit to the Group, the recognized 

asset is limited to the present value of economic benefits available in the form of any future refunds from the plan or reductions 

in future contributions to the plan. In order to calculate the present value of economic benefits, consideration is given to any 

minimum funding requirements that apply to any plan in the Group.  

Remeasurements  of  the  net  defined  benefit  liability,  which  comprise  actuarial  gains  and  losses,  the  return  on  plan  assets 

(excluding  interest)  and  the  effect  of  the  asset  ceiling  (if  any,  excluding  interest),  are  recognized  immediately  in  other 

comprehensive income. The Group determines the net interest expense (income) on the net defined benefit liability (asset) for 

the period by applying the discount rate used to measure the defined benefit obligation at the beginning of the annual period to 

the then-net defined benefit liability (asset), taking into account any changes in the net defined benefit liability (asset) during 

the period as a result of contributions and benefit payments. Net interest expense and other expenses related to defined benefit 

plans are recognized in profit or loss. 

When the benefits of a plan are changed or when a plan is curtailed, the resulting change in benefit that relates to past service 

or the gain or loss on curtailment is recognized immediately in profit or loss. The Group recognizes gains and losses on the 

settlement of a defined benefit plan when the settlement occurs. 

iii) 

Short-term employee benefits 

Short-term employee benefit obligations are measured on an undiscounted basis and are expensed as the related service is 

provided. A liability is recognized for the amount expected to be paid under short-term cash bonus or income-sharing plans if 

the Group has a present legal or constructive obligation to pay this amount as a result of past service provided by the employee, 

and the obligation can be estimated reliably. 

2022 Annual Report │68  

 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

iv) 

Share-based payment transactions 

The grant date fair value of equity share-based payment awards granted to employees is recognized as a personnel expense, 

with a corresponding increase in contributed surplus, over the period that the employees unconditionally become entitled to the 

awards.  The  amount  recognized  as  an  expense  is  adjusted  to  reflect  the  number  of  awards  for  which  the  related  service 

conditions are expected to be met, such that the amount ultimately recognized as an expense is based on the number of awards 

that do meet the related service condition at the vesting date. 

The fair value of the amount payable to board members in respect of deferred share unit (“DSU”), which are to be settled in 

cash, is recognized as an expense with a corresponding increase in liabilities. The liability is remeasured at each reporting date 

until settlement. The Group presents mark-to-market (gain) loss on DSUs in personnel expenses. 

v) 

Termination benefits 

Termination benefits are expensed  at the earlier of when  the  Group  can no longer withdraw  the offer  of those  benefits and 

when the Group recognises costs for a restructuring. If benefits are not expected to be fully settled within 12 months of the end 

of the reporting period, then they are discounted.  

l) 

Provisions 

A provision is recognized if, as a result of a past event, the Group has a present legal or constructive obligation that can be estimated 

reliably, and it is probable that an outflow of economic benefits will be required to settle the obligation. If the effect of the time value 

of money is material, provisions are determined by discounting the expected future cash flows at a pre-tax rate that reflects current 

market assessments of the time value of money and the risks specific to the liability. Where discounting is used, the unwinding of 

the discount is recognized as finance cost. 

Self-Insurance 

Self-insurance provisions represent the uninsured portion of outstanding claims at year-end. The provision represents an accrual for 

estimated future disbursements associated with the self-insured portion for claims filed at year-end and incurred but not reported, 

related to cargo loss, bodily injury, worker’s compensation and property damages. The estimates are based on the Group’s historical 

experience including settlement patterns and payment trends. The most significant assumptions in the estimation process include 

the consideration of  historical claim experience, severity factors  affecting the amounts ultimately paid,  and  current  and  expected 

levels of cost per claims. Changes in assumptions and experience could cause these estimates to change significantly in the near 

term. 

m)  Revenue recognition 

The  Group’s  normal  business  operations  consist  of  the  provision  of  transportation  and  logistics services.  All  revenue  relating  to 

normal business operations is recognized over time in the statement of income. The stage of completion of the service is determined 

using the proportion of days completed to date compared to the estimated total days of the service. Revenue is presented net of 

trade  discounts  and volume rebates.  Revenue is recognized  as services are  rendered,  when the control of  promised services is 

transferred to customers in an amount that reflects the consideration the Group expects to be entitled to receive in exchange for 

those services measured based on the consideration specified in a contract with the customers. The Group considers the contract 

with customers to include the general transportation service agreement and the individual bill of ladings with customers. 

Based on the evaluation of the control model, certain businesses, mainly in the Less-Than-Truckload segment, act as the principal 

within  their  revenue  arrangements.  The  affected  businesses  report  transportation  revenue  gross  of  associated  purchase 

transportation costs rather than net of such amounts within the consolidated statements of income. 

n)  Other operating expenses 

Other operating expenses consist primarily of third-party commissions, transitional service agreement fees, information technology 

support and software expenses, building expenses (including repairs and maintenance, electricity, janitorial & security services and 

property taxes). 

o)  Finance income and finance costs 

Finance  income  comprises  interest  income  on  funds  invested,  dividend  income  and  interest  and  accretion  on  promissory  note. 

Interest income is recognized as it accrues in income or loss, using the effective interest method. 

2022 Annual Report │69  

 
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Finance costs comprise interest expense on bank indebtedness and long-term debt, unwinding of the discount on provisions and 

impairment losses recognized on financial assets (other than trade receivables). 

Fair  value  gains  or  losses  on  derivative financial  instruments  and  on  contingent  considerations,  and foreign  currency  gains  and 

losses are reported on a net basis as either finance income or cost. 

p) 

Income taxes 

Income tax expense comprises current and deferred tax. Current tax and deferred tax are recognized in income or loss except to 

the extent that it relates to a business combination, or items recognized directly in equity or in other comprehensive income. 

Current  tax  is  the  expected  tax  payable  or  receivable  on  the  taxable  income  or  loss  for  the  year,  using  tax  rates  enacted  or 

substantively enacted at the reporting date, and any adjustment to tax payable in respect of previous years. 

Deferred tax is recognized in respect of temporary differences between the carrying amounts of assets and liabilities for financial 

reporting  purposes  and  the  amounts  used  for  taxation  purposes.  Deferred  tax  is  not  recognized  for  the  following  temporary 

differences: the initial recognition of assets or liabilities in a transaction that is not a business combination and that affects neither 

accounting nor taxable income or loss, and differences relating to investments in subsidiaries and jointly controlled entities to the 

extent that it is probable that they will not reverse in the foreseeable future. In addition, deferred tax is not recognized for taxable 

temporary differences arising on the initial recognition of goodwill. Deferred tax is measured at the tax rates that are expected to be 

applied to temporary differences when they  reverse, based on  the laws that have been enacted  or substantively enacted  at the 

reporting date. Deferred tax assets and liabilities are offset if there is a legally enforceable right to offset current tax liabilities and 

assets, and they relate to income taxes levied by the same tax authority on the same taxable entity, or on different tax entities, but 

they intend to settle current tax liabilities and assets on a net basis or their tax assets and liabilities will be realized simultaneously. 

A deferred tax asset is recognized for unused tax losses, tax credits and deductible temporary differences, to the extent that it is 

probable that future taxable income will be available against which they can be utilized. Deferred tax assets are reviewed at each 

reporting date and are reduced to the extent that it is no longer probable that the related tax benefit will be realized. 

q)  Earnings per share 

The Group presents basic and diluted earnings per share (“EPS”) data for its common shares. Basic EPS is calculated by dividing 

the  income  or  loss  attributable  to  common  shareholders  of  the  Company  by  the  weighted  average  number  of  common  shares 

outstanding  during  the  period,  adjusted  for  own  shares  held,  if  any.  Diluted  EPS  is  determined  by  adjusting  the  income  or  loss 

attributable to common shareholders and the weighted average number of common shares outstanding, adjusted for own shares 

held, for the effects of all dilutive potential common shares, which comprise convertible debentures, warrants, and restricted share 

units and stock options granted to employees. 

r)  Segment reporting 

An operating segment is a component of the Group that engages in business activities from which it may earn revenues and incur 

expenses,  including  revenues  and  expenses  that  relate  to transactions  with  any  of  the  Group’s  other  components.  All  operating 

segments’ operating results are reviewed regularly by the Group’s chief executive officer (“CEO”) to make decisions about resources 

to be allocated to the segment and assess its performance, and for which discrete financial information is available. 

Segment results that are reported to the CEO include items directly attributable to a segment as well as those that can be allocated 

on  a  reasonable  basis.  Unallocated  items  comprise  mainly  corporate  assets  (primarily  the  Group’s  headquarters),  head  office 

expenses, income tax assets, liabilities and expenses, as well as long-term debt and interest expense thereon. 

Sales  between  the  Group’s segments  are  measured  at  the  exchange  amount.  Transactions,  other  than  sales,  are  measured  at 

carrying value.  Segment  capital  expenditure  is  the  total  cost  incurred  during  the  period  to  acquire  property  and  equipment,  and 

intangible assets other than goodwill. 

s)  Government grants 

The Group recognizes a government grant when there is reasonable assurance it will comply with the conditions required to qualify 

for the grant, and that the grant will be received. The Group recognizes government grants as a reduction to the expense that the 

grant is intended to offset. 

2022 Annual Report │70  

 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

t)  New standards and interpretations adopted during the year 

The following new standards, and amendments to standards and interpretations, are effective for the first time for interim periods 

beginning on or after January 1, 2022 and have been applied in preparing these consolidated financial statements. 

Onerous Contracts – Cost of Fulfilling a Contract (Amendments to IAS 37) 

On May 14, 2020, the IASB issued Onerous Contracts – Cost of Fulfilling a Contract (Amendments to IAS 37). The amendments 

are  effective  for  annual  periods  beginning  on  or  after  January  1,  2022  and  apply  to  contracts  existing  at  the  date  when  the 

amendments are first applied. Early adoption is permitted. IAS 37 does not specify which costs are included as a cost of fulfilling a 

contract when determining whether a contract is onerous. The IASB’s amendments address this issue by clarifying that the “costs 

of fulfilling a contract” comprise both: 

 

 

the incremental costs – e.g. direct labour and materials; and 

an allocation of other direct costs – e.g. an allocation of the depreciation charge for an item of property and equipment 

used in fulfilling the contract. 

The adoption of the amendments did not have a material impact on the Group’s consolidated financial statements. 

New standards and interpretations not yet adopted 

The following new standards are not yet effective for the year ended December 31, 2022, and have not been applied in preparing 

these consolidated financial statements: 

Classification of Liabilities as Current or Non-current (Amendments to IAS 1) 

On January 23, 2020, the IASB issued amendments to IAS 1 Presentation of Financial Statements (the 2020 amendments), to clarify 

the classification of liabilities as current or non-current. On October 31, 2022, the IASB issued Non-current Liabilities with Covenants 

(Amendments  to  IAS  1)  (the  2022  amendments),  to  improve  the  information  a  company  provides  about  long-term  debt  with 

covenants.  The  2020  amendments  and  the  2022  amendments  (collectively  “the  Amendments”)  are  effective  for  annual  periods 

beginning on or after January 1, 2024. Early adoption is permitted. A company that applies the 2020 amendments early is required 

to also apply the 2022 amendments. 

For the purposes of non-current classification, the Amendments removed the requirement for a right to defer settlement or roll over 

of a liability for at least twelve months to be unconditional. Instead, such a right must exist at the end of the reporting period and 

have substance. The Amendments reconfirmed that only covenants with which a company must comply on or before the reporting 

date affect the classification of a liability as current or non-current. Covenants with which a company must comply after the reporting 

date do not affect a liability’s classification at that date. 

The Amendments also clarify how a company classifies a liability that includes a counterparty conversion option. The Amendments 

state that: 

 

 

the  settlement of a liability includes transferring a company’s own equity instruments to the counterparty; and 

when  classifying  liabilities  as  current  or  non-current  a  company  can  ignore  only  those  conversion  options  that  are 

recognized as equity. 

The extent of the impact of adoption of the amendments has not yet been determined. 

Definition of Accounting Estimates (Amendments to IAS 8) 

On February 12, 2021, the IASB issued Definition of Accounting Estimates (Amendments to IAS 8). The amendments are effective 

for annual periods beginning on or after January 1, 2023. Early adoption is permitted. The amendments introduce a new definition 

for accounting  estimates, clarifying that they are  monetary  amounts in the  financial statements that are subject  to measurement 

uncertainty. The amendments also clarify the relationship between accounting policies and accounting estimates by specifying that 

a  company  develops  an  accounting  estimate  to  achieve  the  objective  set  out  by  an  accounting  policy.  The  adoption  of  the 

amendments is not expected to have a material impact. 

2022 Annual Report │71  

 
 
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Lease Liability in a Sale and Leaseback 

On September 22, 2022, the IASB issued Lease Liability in a Sale and Leaseback (Amendments to IFRS 16). The amendments are 

effective for annual periods beginning on or after January 1, 2024. Early adoption is permitted. The amendment introduces a new 

accounting  model  which  impacts  how  a  seller-lessee  accounts  for  variable  lease  payments  that  arise  in  a  sale-and-leaseback 

transaction.  The amendments clarify that on initial recognition, the seller-lessee includes variable lease payments when it measures 

a  lease  liability  arising  from  a  sale-and-leaseback  transaction  and  after  initial  recognition,  the  seller-lessee  applies  the  general 

requirements for subsequent accounting  of the lease liability  such that  it recognizes  no  gain  or loss relating to the right of  use it 

retains. The amendments need to be applied retrospectively, which require seller-lessees to reassess and potentially restate sale-

and-leaseback  transactions  entered  into  since  implementation  of  IFRS  16  in  2019.  The  extent  of  the  impact  of  adoption  of  the 

amendments has not yet been determined. 

4.  Segment reporting 

The  Group  operates  within  the  transportation  and  logistics  industry  in  the  United  States,  Canada  and  Mexico  in  different  reportable 

segments, as described below. The reportable segments are managed independently as they require different technology and capital 

resources. For each of the operating segments, the Group’s CEO reviews internal management reports. The following summary describes 

the operations in each of the Group’s reportable segments: 

Package and Courier:  Pickup, transport and delivery of items across North America. 
Less-Than-Truckload (a): Pickup, consolidation, transport and delivery of smaller loads. 
Truckload (b): 

Logistics: 

Full loads carried directly from the customer to the destination using a closed van or specialized equipment to 
meet  customers’  specific  needs.  Includes  expedited  transportation,  flatbed,  tank,  container  and  dedicated 
services. 
Asset-light logistics services, including brokerage, freight forwarding and transportation management, as well as 
small package parcel delivery. 

(a) 
Beginning in the second quarter of fiscal 2021, due to the acquisition of UPS Ground Freight Inc., the Less-Than-Truckload reporting segment now 
represents the aggregation of the Canadian Less-Than-Truckload and U.S. Less-Than-Truckload operating segments. The aggregation of the segment was 
analyzed using management’s judgment in accordance with IFRS 8. The operating segments were determined to be similar, amongst others, with respect 
to the nature of services offered and the methods used to distribute their services, additionally, they have similar economic characteristics with respect to 
long-term expected gross margin, levels of capital invested and market place trends.  

(b) 
Prior to August 31, 2022, the Truckload reporting segment represented the aggregation of the Canadian Conventional Truckload, U.S. Conventional 
Truckload, and Specialized Truckload operating segments. The aggregation of the segment was analyzed using management’s judgment in accordance with 
IFRS 8. The operating segments were determined to be similar, amongst others, with respect to the nature of services offered and the methods used to 
distribute their services. Additionally, they have similar economic characteristics with respect to long-term expected gross margin, levels of capital invested 
and market place trends. On August 31,2022, the Group sold CFI’s Truckload, Temp Control and Mexican non-asset logistics businesses, operating primarily 
in  the  U.S.  Conventional  Truckload  operating  segment.  Subsequent  to  the  sale,  the  remaining  business  operations  in  the  Group’s  U.S.  Conventional 
Truckload operating segment were transferred to the Specialized Truckload operating segment. Because the transfer was amongst operating segments in 
the same reportable segment and the aggregation criteria continued to be met, there was no impact on the reportable segment results. 

Information regarding the results of each reportable segment is included below. Performance is measured based on segment operating 

income  or  loss.  This  measure  is  included  in  the  internal  management  reports  that  are  reviewed  by  the  Group’s  CEO  and  refers  to 

“Operating income” in the consolidated statements of income. Segment’s operating income or loss is used to measure performance as 

management believes that such information is the most relevant in evaluating the results of certain segments relative to other entities that 

operate within these industries. 

2022 Annual Report │72  

 
 
 
 
 
 
 
  
 
  
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

2022 
Revenue(1) 
Fuel surcharge(1) 
Total revenue(1) 
Operating income 
Selected items: 

Depreciation and 
     amortization 
Gain on sale of 
     land and buildings 
Gain on sale of 
     assets held for sale 
Gain on sale of 
business 
Intangible assets 
Total assets 
Total liabilities 
Additions to property 
     and equipment 

2021* 
Revenue(1)(2) 
Fuel surcharge(1)(2) 
Total revenue(1) 
Operating income (loss) 
Selected items: 

Depreciation and 
     amortization 
Loss on sale of land 
     and buildings 
Gain on sale of 
     assets held for sale 
Loss on sale of 
     intangible assets 
Bargain purchase gain(3)    
Intangible assets 
Total assets 
Total liabilities 
Additions to property 
     and equipment 

Package   
and   
Courier   

Less-  
Than-  
Truckload  

Truckload  

Logistics   Corporate    Eliminations  

Total

498,972 
151,872 
650,844 
134,306 

   3,243,556 
779,607 
   4,023,163 
470,807 

  1,986,331  
464,707  
  2,451,038  
366,868  

  1,689,122  
74,158  
  1,763,280  
140,446  

-  
-  
-  
33,611  

(60,917) 
(14,917) 
(75,834) 
- 

  7,357,064 
  1,455,427 
  8,812,491 
  1,146,038 

26,532 

152,666 

212,430  

38,244  

721  

- 

- 

- 

43  

55,714 

22,197  

-  

-  

-  

-  

- 
180,119 
362,724 
126,383 

- 
167,798 
   2,275,672 
836,937 

-  
775,464  
  1,861,093  
464,962  

-  
468,547  
731,564  
239,916  

73,653  
182  
274,777  
  1,374,687  

- 

- 

- 

430,593 

43 

77,911 

- 
- 
- 
(125) 

73,653 
  1,592,110 
  5,505,830 
  3,042,760 

15,097 

168,667 

165,953  

1,150  

402  

- 

351,269 

560,147 
81,302 
641,449 
108,440 

   2,440,640 
374,750 
   2,815,390 
572,798 

  1,901,157  
261,595  
  2,162,752  
230,189  

  1,620,926  
41,146  
  1,662,072  
142,794  

-  
-  
-  
(74,992 ) 

(54,085) 
(7,149) 
(61,234) 
- 

  6,468,785 
751,644 
  7,220,429 
979,229 

26,404 

116,060 

211,561  

38,208  

799  

- 

- 

(16) 

-  

1,640 

10,569  

(3 ) 

-  

-  

-  

(1) 
- 
193,765 
379,881 
128,599 

- 
271,593 
188,604 
   2,351,138 
957,148 

-  
-  
955,608  
  2,317,615  
559,438  

-  
12,000  
454,612  
746,638  
248,122  

-  
-  
332  
88,391  
  1,680,135  

- 

- 

- 

393,032 

(19) 

12,209 

- 
- 
- 
- 
(134) 

(1) 
283,593 
  1,792,921 
  5,883,663 
  3,573,308 

19,347 

65,543 

181,313  

809  

161  

- 

267,173 

(1) Includes intersegment revenue and intersegment fuel surcharge 

* Recasted for: 
(2) Changes in presentation for consistency with the current year presentation: “intersegment revenue and fuel surcharge” presented separately in 
previous periods is now presented within “revenue” and “fuel surcharge”. 
(3) Adjustments to provisional amounts of UPS Freight prior year business combination (see note 5d)) 

2022 Annual Report │73  

 
 
 
 
 
 
 
 
   
 
 
 
 
 
   
 
 
 
 
   
 
 
   
  
 
 
 
 
   
 
 
   
  
 
 
 
 
 
 
 
 
   
     
     
     
     
     
     
 
   
  
 
 
 
 
 
   
     
     
     
     
     
     
 
   
  
 
 
 
 
 
   
     
     
     
     
     
     
 
   
  
 
 
 
 
 
   
  
 
 
 
 
 
   
  
 
 
 
 
   
 
 
 
   
  
 
 
 
 
 
 
 
   
  
 
 
 
 
 
 
 
   
 
 
 
   
 
 
   
 
 
   
  
 
 
 
 
 
   
 
 
   
  
 
 
 
 
 
 
 
 
 
   
     
     
     
     
     
     
 
   
  
 
 
 
 
 
   
     
     
     
     
     
     
 
   
  
 
 
 
 
 
   
     
     
     
     
     
     
 
   
  
 
 
 
 
 
   
     
     
     
     
     
     
 
   
  
 
 
 
 
 
  
 
 
 
 
 
   
  
 
 
 
 
   
 
 
 
   
  
 
 
 
 
 
 
 
   
  
 
 
 
 
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Geographical information 

Revenue is attributed to geographical locations based on the origin of service’s location.  

2022 
Canada 
United States 
Mexico 
Total revenue 

2021 
Canada 
United States 
Mexico 
Total revenue 

Package  
and  
Courier  

650,844  
-  
-  
650,844  

Less-  
Than-    

Truckload  

Truckload  

Logistics   Eliminations  

Total

667,506 
3,355,657 
- 
4,023,163 

1,182,198 
1,268,840 
- 
2,451,038 

256,714 
1,488,941 
17,625 
1,763,280 

(34,202) 
(41,632) 
- 
(75,834) 

2,723,060 
6,071,806 
17,625 
8,812,491 

641,449  
-  
-  
641,449  

576,311 
2,239,079 
- 
2,815,390 

912,166 
1,250,586 
- 
2,162,752 

269,568 
1,370,843 
21,661 
1,662,072 

(31,193) 
(30,041) 
- 
(61,234) 

2,368,301 
4,830,467 
21,661 
7,220,429 

Segment assets are based on the geographical location of the assets. 

Property and equipment, right-of-use assets and intangible assets 

Canada 
United States 
Mexico 

As at  
December 31, 2022  

As at
December 31, 2021*

1,848,746     
2,256,959     

- 
4,105,705 

1,933,050 
2,698,630 
14,915 
4,646,595 

* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)). 

5.  Business combinations 

a)  Business combinations 

In  line  with  the  Group’s  growth  strategy,  the  Group  acquired  eleven  businesses  during  2022,  which  were  not  considered  to  be 

material. These transactions were concluded in order to add density in the Group’s current network and further expand value-added 

services.  

During  the  year  ended  December 31,  2022,  the  non-material  businesses,  in  aggregate,  contributed  revenue  and  net  income  of 

$100.6 million and $5.9 million respectively since the acquisitions. 

Had the Group acquired these non-material businesses on January 1, 2022, as per management’s best estimates, the revenue and 

net  income  for  these  entities  would  have  been  $235.7  million  and  $18.1  million,  respectively.  In  determining  these  estimated 

amounts, management assumed that the fair value adjustments that arose on the date of acquisition would have been the same 

had the acquisitions occurred on January 1, 2022 and adjusted for interest, based on the purchase price and average borrowing 

rate of the Group, and income tax expenses based on the effective tax rate. 

During the year ended December 31, 2022, transaction costs of $0.1 million have been expensed in other operating expenses in 

the consolidated statements of income in relation to the above-mentioned business acquisitions. 

As of the reporting date, the Group had not completed the purchase price allocation over the identifiable net assets and goodwill of 

the 2022 acquisitions. Information to confirm the fair value of certain assets and liabilities is still to be obtained for these acquisitions. 

As the Group obtains more information, the allocation will be completed. 

2022 Annual Report │74  

 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
   
 
 
  
 
  
   
 
 
  
 
  
   
 
 
  
 
  
   
 
 
  
 
  
 
 
 
 
 
   
 
 
  
 
  
   
 
 
  
 
  
   
 
 
  
 
  
   
 
 
  
 
  
 
 
 
 
 
 
 
 
   
   
   
 
 
   
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

The table below presents the purchase price allocation based on the best information available to the Group to date : 

Identifiable assets acquired and liabilities assumed 
Cash and cash equivalents 
Trade and other receivables 
Inventoried supplies and prepaid expenses 
Property and equipment 
Right-of-use assets 
Intangible assets 
Other assets 
Trade and other payables 
Income tax payable 
Provisions 
Lease liabilities 
Deferred tax liabilities 
Total identifiable net assets 
Total consideration transferred 
Goodwill 
Cash 
Contingent consideration 
Total consideration transferred 
* Includes non-material adjustments to prior year's acquisitions 

Note 

9    
10    
11    

17    
15    
18    

11    

December 31, 2022*
863 
28,231 
2,179 
70,959 
28,269 
45,740 
368 
(10,327) 
(1,465) 
(280) 
(28,269) 
(13,848) 
122,420 
181,608 
59,188 
159,114 
22,494 
181,608 

The trade receivables comprise gross amounts due of $28.4 million, of which $0.1 million was expected to be uncollectible at the 

acquisition date. 

Of the goodwill and intangible assets acquired through business combinations in 2022, $2.9 million is deductible for tax purposes. 

In line with the Group’s growth strategy, the Group acquired ten businesses during 2021, of which UPS Ground Freight Inc. (“UPS 

Freight”), which was renamed TForce Freight Inc. (“TForce Freight”) in April 2021, was considered material. All other acquisitions 

were not considered to be material.  

On April 30, 2021, the Group completed the acquisition of UPS Freight, the Less-Than-Truckload and dedicated truckload divisions 

of United Parcel Service, Inc. The purchase price for this business acquisition totalled for $864.6 million, which was funded by a 

mixture of cash on hand and the remaining balance was drawn from the currently existing unsecured revolving credit facility. The 

fair  value  of  the  identifiable  net  assets  acquired,  including  the  fair  value  of  the  customer  relationships  acquired,  exceeded  the 

purchase price, resulting in a bargain purchase gain of $283.6 million in the Less-Than-Truckload and Logistics segments ($271.6 

million and $12.0 million respectively). The bargain purchase gain resulted mainly from the measurement of the fair value related to 

the company’s tangible assets. During the year ended December 31, 2021, the business contributed revenue and net income of 

$2,334.4 million and $122.6 million (excluding the bargain purchase gain of $283.6 million), respectively since the acquisition.  

Had the Group acquired UPS Freight on January 1, 2021, as per management’s best estimates, the revenue and net income for this 

entity would have been $3,438.3 million and $146.0 million (excluding the bargain purchase gain of $283.6 million), respectively. In 

determining these estimated amounts, management assumed that the fair value adjustments that arose on the date of acquisition 

would have been the same had the acquisitions occurred on January 1, 2021 and adjusted for interest, based on the purchase price 

and average borrowing rate of the Group, and income tax expenses based on the effective tax rate.  

During the year ended December 31, 2021, the non-material businesses, in aggregate, contributed revenue and net income of $64.9 

million and $0.9 million respectively since the acquisitions. 

Had the Group acquired the non-material businesses on January 1, 2021, as per management’s best estimates, the revenue and 

net income for these entities would have been $174.9 million and $5.6 million (excluding the bargain purchase gain of $283.6 million), 

respectively. In determining these estimated amounts, management assumed that the fair value adjustments that arose on the date 

of acquisition would have been the same had the acquisitions occurred on January 1, 2021 and adjusted for interest, based on the 

purchase price and average borrowing rate of the Group, and income tax expenses based on the effective tax rate. 

Of the goodwill and intangible assets acquired through business combinations in 2021, $5.7 million is deductible for tax purposes. 

During the year ended December 31, 2021, transaction costs of $8.7 million had been expensed in other operating expenses in the 

consolidated statements of income in relation to the above-mentioned business acquisitions. 

2022 Annual Report │75  

 
 
 
 
 
 
 
   
 
 
   
 
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
 
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
 
 
 
 
 
   
 
 
   
 
 
   
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

The table below presents the purchase price allocation as at December 31, 2021: 

Identifiable assets acquired and liabilities assumed 

UPS Freight
(reassessed  

 Note   

- see note 5d))*

  December 31, 2021  

Others**
11,570 
23,806 
3,500 
86,872 
10,619 
25,914 
65 

9     
    10     
    11     

Cash and cash equivalents 
Trade and other receivables 
Inventoried supplies and prepaid expenses 
Property and equipment 
Right-of-use assets 
Intangible assets 
Other assets 
Trade and other payables 
Income tax payable 
Employee benefits 
Provisions 
Other non-current liabilities 
Long-term debt 
Lease liabilities 
Deferred tax liabilities 
Total identifiable net assets 
Total consideration transferred 
Goodwill 
Bargain purchase gain 
Cash 
Contingent consideration 
Total consideration transferred 
* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year's business combination (see note 5d)) 
* *Includes non-material adjustments to prior year's acquisitions 

6      
328,468      
26,643      
1,309,465      
100,971      
18,856      
8,133      
(209,474 )    
-      
(65,849 )    
(74,867 )    
(56 )    
-      
(100,971 )    
(193,125 )    
1,148,200      
864,607      
-      
(283,593 )    
864,607      
-      
864,607      

- 
(222)    
(6)    
(3,484)    
(10,619)    
(17,785)    
113,092 
162,313 
49,221 
- 
155,100 
7,213 
162,313 

    14     
    15     
    18     

(14,470)    
(2,668)    

    17     

    11     

11,576 
352,274 
30,143 
1,396,337 
111,590 
44,770 
8,198 
(223,944) 
(2,668) 
(65,849) 
(75,089) 
(62) 
(3,484) 
(111,590) 
(210,910) 
1,261,292 
1,026,920 
49,221 
(283,593) 
1,019,707 
7,213 
1,026,920 

The valuation techniques used for measuring the fair value of land and buildings ($859.2 million) and customer relationships ($12.0 

million) acquired regarding UPS Freight were as follows: 

Assets acquired 
Land and buildings 

Valuation technique 
Market comparison technique and cost technique: The 
valuation model considers market prices for comparable sites, 
when available, and considers depreciated replacement cost, 
which reflects adjustments for physical deterioration, when 
appropriate. 

  Key inputs 

- Market prices for comparable sites 
- Average rebuild cost 

Customer relationships  Excess earnings method: The valuation model considers the 
present value of net cash flows expected to be generated by 
the customer relationships, by excluding any cash flows related 
to contributory assets. 

- Forecasted revenue attributable to 
existing customers and relationships 
- Annual attrition rate 
- Forecasted operating margin 
- Discount rate 

b)  Goodwill 

The goodwill is attributable mainly to the premium of an established business operation with a good reputation in the transportation 

industry, and the synergies expected to be achieved from integrating the acquired entity into the Group’s existing business. 

The goodwill arising in the business combinations has been allocated to operating segments as indicated in the table below, which 

represents the lowest level at which goodwill is monitored internally. 

Operating segment 
Canadian Less-Than-Truckload 
Canadian Truckload 
Specialized Truckload 
U.S. Truckload 
Logistics 

Reportable segment 
Less-Than-Truckload 
Truckload 
Truckload 
Truckload 
Logistics 

* Includes non-material adjustments to prior year's acquisitions 

December 31, 2022* 
- 
811 
35,865 
- 
22,512 
59,188 

December 31, 2021* 
(225 ) 
4,079  
42,546  
2,846  
(25 ) 
49,221  

2022 Annual Report │76  

 
 
 
 
 
   
 
 
   
 
 
 
 
  
 
 
 
 
 
    
  
 
    
  
 
    
  
   
  
  
  
 
    
  
 
    
 
    
 
    
  
 
    
 
    
  
 
    
  
  
 
    
  
 
    
  
 
    
  
 
    
  
 
     
 
 
 
 
 
 
 
 
   
 
   
 
   
 
   
 
   
 
 
 
   
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

c)  Contingent consideration 

The contingent consideration for the year ended December 31, 2022 relates to non-material business acquisitions and is recorded 

in the original purchase price allocation. This consideration is contingent on achieving specified earning levels in a future period. 

The maximum amount payable was $22.5 million in less than one year, and $21.0 million was paid prior to year-end.  

The contingent consideration for the year ended December 31, 2021 relates to a non-material business acquisition and is recorded 

in the original purchase price allocation. The fair value was determined using expected cash flows discounted at rates between 3.9% 

and 6.4%. This consideration is contingent on achieving specified earning levels in future periods. The maximum amount payable 

was $0.4 million in one year and $7.6 million in two years. 

The contingent consideration balance at December 31, 2022 is $8.8 million (2021 - $8.7 million) and is presented in other financial 

liabilities on the consolidated statements of financial position. 

d)  Adjustment to the provisional amounts of prior year’s business combinations 

The 2021 annual consolidated financial statements included details of the Group’s business combinations and set out provisional 

fair values relating to the consideration paid and net assets acquired of UPS Ground Freight Inc. This acquisition was accounted for 

under the provisions of IFRS 3.  

As required by IFRS 3, the provisional fair values have been reassessed in light of information obtained during the measurement 

period  following  the  acquisition  and  adjustments  are  required  to  be  retrospectively  reflected  from  the  date  of  acquisition. 

Consequently,  the  fair  value  of  certain  assets  acquired,  and  liabilities  assumed  of  UPS  Ground  Freight  Inc.  in  fiscal  2021  were 

adjusted in the quarter ended June 30, 2022 when the purchase price allocation was completed, and accordingly, the comparative 

information as at December 31, 2021 included in these consolidated financial statements has been revised as detailed below. The  

adjustment to prior period financial information from the date of acquisition to date resulted in an incremental $90.0 million bargain 

purchase gain which resulted in the June 30, 2021 financial information being recasted. 

As a result a final bargain purchase gain in the amount of $283.6 million was recognized in the statement of income for the year 

ended December 31, 2021. 

Cash and cash equivalents 
Trade and other receivables 
Inventoried supplies and prepaid expenses 
Property and equipment 
Right-of-use assets 
Intangible assets 
Other assets 
Trade and other payables 
Income tax payable 
Employee benefits 
Provisions 
Other non-current liabilities 
Lease liabilities 
Deferred tax liabilities 
Total identifiable net assets 
Total consideration transferred 
Bargain purchase gain 
Total consideration transferred 

Dec. 31, 2021  
Provisional

fair value  
6     
328,468     
26,643     
1,186,198     
100,971     
18,856     
860     
(208,928)    
302     
(65,849)    
(50,352)    
(56)    
(100,971)    
(177,992)    
1,058,156     
864,607     
(193,549)    
864,607     

Q2-2022  

Measurement

period adjustments  
-     
-     
-     
123,267     
-     
-     
7,273     
(546)    
(302)    
-     
(24,515)    
-     
-     
(15,133)    
90,044     
-     
(90,044)    
-     

Final
reassessed
fair value
6 
328,468 
26,643 
1,309,465 
100,971 
18,856 
8,133 
(209,474) 
- 
(65,849) 
(74,867) 
(56) 
(100,971) 
(193,125) 
1,148,200 
864,607 
(283,593) 
864,607 

2022 Annual Report │77  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

e)  Adjustment to the provisional amounts of prior year’s non-material business combinations 

The 2021 annual consolidated financial statements included details of the Group’s business combinations and set out provisional 

fair values relating to the consideration paid and net assets acquired of various non-material acquisitions not mentioned previously. 

These acquisitions were accounted for under the provisions of IFRS 3.  

As required by IFRS 3, the provisional fair values have been reassessed in light of information obtained during the measurement 

period following the acquisition. Consequently, the fair value of certain assets acquired, and liabilities assumed of the non-material 

acquisitions in fiscal 2021 have been adjusted and finalized in 2022. No material adjustments were required to the provisional fair 

values for these prior period’s business combinations. 

6.  Sale of business 

On August 31, 2022, CFI’s Truckload, Temp Control and Mexican non-asset logistics businesses were sold to Heartland Express for a 

net consideration of $553.0 million, which includes cash consideration, net working capital adjustments and is net of incremental selling 

costs  of  $4.5  million.  The  total  consideration  is  subject  to  additional  working  capital  closing  adjustments  and  still  subject  to  buyer 

acceptance as of the date of issuance of these financial statements. The sale resulted in a gain on sale of business of $73.7 million. The 

businesses operated primarily in the U.S. Conventional Truckload operating segment of the Group’s Truckload reportable segment. The 

Group kept the Dedicated and U.S. Logistics (non-asset U.S. based logistics services provider) divisions, which continue to be reported 

in the Truckload reportable segment. TFI also retained pre-closing accident and workers’ compensation claims.  

The table below presents the net assets disposed: 

Cash and cash equivalents 
Trade and other receivables 
Inventoried supplies and prepaid expenses 
Property and equipment 
Right-of-use assets 
Intangible assets 
Goodwill 
Other assets 
Accumulated other comprehensive income - CTA 
Trade and other payables 
Income tax payable 
Employee benefits 
Provisions 
Lease liabilities 
Deferred tax liabilities 
Total identifiable net assets 
Total consideration received 
Gain on sale of business 

Note

9   
10   
11   
11   

17   
15   
18   

December 31, 2022
6,790 
77,877 
7,856 
321,123 
3,203 
42,599 
144,551 
306 
2,737 
(46,776) 
(564) 
(1,302) 
(1,465) 
(3,129) 
(74,441) 
479,365 
553,018 
73,653 

The goodwill disposed of was allocated to operating segments as indicated in the table below, which represents the lowest level at which 

goodwill is monitored internally: 

Operating segment 
U.S. Truckload 
Logistics 

Reportable segment 
Truckload 
Logistics 

December 31, 2022
141,056 
3,495 
144,551 

7.  Trade and other receivables 

Trade receivables, net of expected credit loss 
Other receivables 

December 31, 2022  
966,428     
64,298     
1,030,726     

December 31, 2021
986,783 
69,240 
1,056,023 

The Group’s exposure to credit and currency risks related to trade and other receivables is disclosed in note 26 a) and d). 

2022 Annual Report │78  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
   
 
 
 
 
   
   
 
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Trade receivables as at December 31, 2022 include $48.5 million of in-transit revenue balances (December 31, 2021 – $58.2 million). 

Due  to  the  short-term  nature  of  the  transportation  and  logistics  services  provided  by  the  Group,  these  services  are  expected  to  be 

completed within the week following the year-end. 

8.  Additional cash flow information 

Net change in non-cash operating working capital 

Trade and other receivables 
Inventoried supplies 
Prepaid expenses 
Trade and other payables 

9.  Property and equipment 

Cost 
Balance at December 31, 2020 
Additions through business combinations** 
Other additions 
Disposals 
Transfer from right-of-use assets 
Reclassification (to) from assets held for sale 
Effect of movements in exchange rates 
Balance at December 31, 2021 
Additions through business combinations* 
Other additions 
Disposals 
Sale of business 
Reclassification to assets held for sale 
Effect of movements in exchange rates 
Balance at December 31, 2022 

Accumulated Depreciation 
Balance at December 31, 2020 
Depreciation 
Disposals 
Transfer from right-of-use assets 
Reclassification (to) from assets held for sale 
Effect of movements in exchange rates 
Balance at December 31, 2021 
Depreciation 
Disposals 
Sale of business 
Reclassification to assets held for sale 
Effect of movements in exchange rates 
Balance at December 31, 2022 

2022   
(59,105)  
(1,498)  
9,924   
(96,774)  
(147,453)  

2021

(101,664) 
(1,233) 
(9,455) 
154,292 
41,940 

  Note  

Land and   
buildings   

Rolling  
stock  

Equipment   

Total 

5      

5      

6      

6      

314,804 
889,657 
36,902 
(1,473) 
- 
(8,843) 
2,221 
1,233,268 
2,003 
46,928 
(678) 
(31,356) 
(67,203) 
(15,972) 
1,166,990 

59,817 
16,301 
(1,332) 
- 
(2,997) 
223 
72,012 
21,353 
(137) 
(6,837) 
(5,426) 
2,175 
83,140 

1,267,617 
445,656 
217,080 
(177,992) 
21,474 
1,023 
(2,395) 
1,772,463 
66,240 
286,277 
(122,946) 
(452,547) 
- 
(47,939) 
1,501,548 

494,322 
187,895 
(110,341) 
5,746 
424 
(153) 
577,893 
203,431 
(56,549) 
(157,618) 
- 
(23,885) 
543,272 

134,234 
61,024 
13,191 
(8,773) 
- 
- 
1,089 
200,765 
2,716 
18,064 
(9,370) 
(1,817) 
- 
(5,570) 
204,788 

88,088 
20,811 
(8,347) 
- 
- 
898 
101,450 
23,854 
(7,191) 
(142) 
- 
(3,012) 
114,959 

1,716,655  
1,396,337  
267,173  
(188,238 ) 
21,474  
(7,820 ) 
915  
3,206,496  
70,959  
351,269  
(132,994 ) 
(485,720 ) 
(67,203 ) 
(69,481 ) 
2,873,326  

642,227  
225,007  
(120,020 ) 
5,746  
(2,573 ) 
968  
751,355  
248,638  
(63,877 ) 
(164,597 ) 
(5,426 ) 
(24,722 ) 
741,371  

2,455,141  
2,131,955  

Net carrying amounts 
At December 31, 2021 
At December 31, 2022 
* Includes non-material adjustments to prior year's acquisitions 
** Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)). 

1,161,256 
1,083,850 

1,194,570 
958,276 

99,315 
89,829 

As at December 31, 2022, $1.3 million is included in trade and other payables for the purchases of property and equipment (December 31, 

2021 – $1.0 million). 

Security 

As at December 31, 2022, certain rolling stock are pledged as security for conditional sales contracts, with a carrying amount of $126.4 

million (December 31, 2021 - $144.5 million) (see note 14). 

2022 Annual Report │79  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
   
   
  
 
   
 
   
     
 
 
 
   
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
 
 
 
   
     
 
 
 
   
     
 
 
 
   
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
 
   
   
  
 
   
 
   
   
  
 
   
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
 
   
     
     
     
     
 
   
   
  
 
   
 
   
     
 
 
 
   
     
 
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

10.  Right-of-use assets 

Cost 
Balance at December 31, 2020 
Transfer to property and equipment 
Other additions 
Additions through business combinations* 
Derecognition** 
Effect of movements in exchange rates 
Balance at December 31, 2021 
Other additions 
Additions through business combinations* 
Sale of business 
Derecognition** 
Effect of movements in exchange rates 
Balance at December 31, 2022 

Depreciation 
Balance at December 31, 2020 
Transfer to property and equipment 
Depreciation 
Derecognition** 
Effect of movements in exchange rates 
Balance at December 31, 2021 
Depreciation 
Sale of business 
Derecognition** 
Effect of movements in exchange rates 
Balance at December 31, 2022 

  Note  

Land and   
buildings   

Rolling  
stock  

Equipment   

Total 

5      

5      
6      

6      

452,106 
- 
37,768 
57,916 
(39,842) 
2,329 
510,277 
62,353 
14,217 
(238) 
(31,475) 
(26,343) 
528,791 

232,541 
- 
59,719 
(35,691) 
938 
257,507 
66,036 
(130) 
(22,733)    
(14,424) 
286,256 

191,164 
(21,474) 
51,494 
52,465 
(40,434) 
495 
233,710 
53,906 
14,052 
(5,780) 
(34,221) 
(9,624) 
252,043 

74,503 
(5,746) 
51,953 
(30,926) 
308 
90,092 
59,101 
(2,685) 
(26,783)    
(4,754) 
114,971 

2,290 
- 
1,084 
1,209 
(668) 
(12) 
3,903 
962 
- 
- 
(977) 
(91) 
3,797 

1,231 
- 
1,110 
(579) 
(4) 
1,758 
1,139 
- 

(1,082)    
(51) 
1,764 

645,560  
(21,474 ) 
90,346  
111,590  
(80,944 ) 
2,812  
747,890  
117,221  
28,269  
(6,018 ) 
(66,673 ) 
(36,058 ) 
784,631  

308,275  
(5,746 ) 
112,782  
(67,196 ) 
1,242  
349,357  
126,276  
(2,815 ) 
(50,598 ) 
(19,229 ) 
402,991  

Net carrying amounts 
At December 31, 2021 
At December 31, 2022 
* Includes non-material adjustments to prior year's acquisitions 
** Derecognized right-of-use assets include negotiated asset purchases and extinguishments resulting from accidents as well as fully amortized or end of 
term right-of-use assets. 

398,533  
381,640  

143,618 
137,072 

252,770 
242,535 

2,145 
2,033 

2022 Annual Report │80  

 
 
 
 
 
 
   
   
   
 
 
   
   
  
 
   
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
 
 
 
   
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
 
   
   
  
 
   
 
   
   
  
 
   
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
     
 
 
 
   
 
 
 
   
     
   
     
 
 
 
   
     
 
 
 
 
   
   
  
 
   
 
   
   
  
 
   
 
   
     
 
 
 
   
     
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

11. 

Intangible assets 

compete   Information  
  Note  Goodwill   relationships   Trademarks   agreements   technology  

Customer  

Total

Other intangible assets 

Non-  

Cost 
Balance at December 31, 2020 
Additions through business combinations*     
Other additions 
Extinguishments 
Effect of movements in exchange rates 
Balance at December 31, 2021 
Additions through business combinations*     
Other additions 
Disposals 
Sale of business 
Extinguishments 
Effect of movements in exchange rates 
Balance at December 31, 2022 

Amortization and impairment losses 
Balance at December 31, 2020 
Amortization 
Extinguishments 
Effect of movements in exchange rates 
Balance at December 31, 2021 
Amortization 
Disposals 
Sale of business 
Extinguishments 
Effect of movements in exchange rates 
Balance at December 31, 2022 

Net carrying amounts 
At December 31, 2021 
At December 31, 2022 

5   

    1,523,626 
49,221 
- 
- 
(556)    

5   

    1,572,291 
59,188 
- 
- 

6   

(210,806)    

- 

(61,328)    

    1,359,345 

    148,016 
- 
- 
(536)    

    147,480 
- 
- 

6   

(66,255)    

- 

(3,213)    
78,012 

574,942 
29,130 
3,263 
(18,357)   
(464)   

588,514 
38,121 
- 
- 

(33,312)   
(61,985)   
(17,641)   
513,697 

261,599 
44,862 
(18,357)   
(526)   

287,578 
43,538 
- 

(16,669)   
(61,985)   
(8,210)   

244,252 

86,402 
4,166 
- 

(1,178)   
(579)   

88,811 
3,846 
- 
(380)   
(28,589)   
(19,058)   
(1,950)   
42,680 

43,636 
3,274 
(1,178)   
(57)   

45,675 
4,764 

(130)   
(2,996)   
(19,058)   
(1,205)   
27,050 

14,688 
4,405 
- 

(1,027)   
(118)   

17,948 
3,727 
- 
- 
(150)   
(836)   
(682)   

20,007 

5,304 
3,378 
(1,027)   
11 
7,666 
3,702 
- 
(26)   
(836)   
(376)   

10,130 

22,524 
7,069 
3,880 
(1,510)   
33 
31,996 
46 
6,120 
- 

(1,075)   
(1,321)   
(644)   

  2,222,182 
93,991 
7,143 
(22,072) 
(1,684) 
  2,299,560 
104,928 
6,120 
(380) 
(273,932) 
(83,200) 
(82,245) 
  1,970,851 

35,122 

15,964 
3,729 
(1,509)   
56 
18,240 
3,675 
- 
(836)   
(1,321)   
(461)   

19,297 

474,519 
55,243 
(22,071) 
(1,052) 
506,639 
55,679 
(130) 
(86,782) 
(83,200) 
(13,465) 
378,741 

    1,424,811 
    1,281,333 

300,936 
269,445 

43,136 
15,630 

10,282 
9,877 

13,756 
15,825 

  1,792,921 
  1,592,110 

* Includes non-material adjustments to prior year's acquisitions 

In  2022,  CFI’s  Truckload,  Temp  Control  and  Mexican  non-asset  logistics  businesses  were  sold  to  Heartland  Express,  including  the 

indefinite-life trademarks. At December 31, 2022, there are no material indefinite life intangible assets. 

At December 31, 2021, the Group performed its annual impairment testing for indefinite life trademarks. The Group estimated the value 

in use to be $36.6 million compared to its carrying value of $27.5 million, resulting in no impairment charge. Management used the relief-

from-royalty method and discount rates between 6.7% and 9.9% in its analysis. 

In 2021, the Group rebranded a subsidiary by initiating a change of name. The Group estimates that previous tradename will retain value 

for a  2-year period  during  the  transition. Accordingly, the  amortization  period had been changed from indefinite  life  to  2 years  for the 

remaining net book value of this subsidiary of $3.5 million. 

2022 Annual Report │81  

 
 
 
 
 
 
   
 
 
  
 
   
 
 
 
 
 
 
   
 
 
 
 
   
 
 
 
 
 
 
   
  
 
 
 
  
 
 
 
 
   
   
  
 
 
 
 
   
   
  
   
   
 
   
  
 
 
 
  
 
 
 
 
   
   
  
 
 
 
 
   
   
  
 
 
 
   
   
   
  
   
   
   
  
 
 
 
 
   
   
     
     
     
     
     
 
   
 
 
 
 
 
 
   
  
 
 
 
 
   
   
  
 
 
 
 
   
   
  
   
   
 
 
   
  
 
 
 
 
   
   
  
 
 
 
 
   
   
  
 
 
 
   
   
   
  
   
   
   
   
  
 
 
 
 
 
   
 
 
   
 
 
   
  
 
 
 
   
  
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

At  December 31, 2022, the Group  performed its annual  goodwill impairment tests for operating segments which  represent the lowest 

level within the Group at which the goodwill is monitored for internal management purposes. The aggregate carrying amounts of goodwill 

allocated to each unit are as follows: 

Reportable segment / operating segment 

Package and Courier 
Less-Than-Truckload 

Canadian Less-Than-Truckload 

Truckload 

Canadian Truckload 
Specialized Truckload* 
U.S. Truckload* 

Logistics 

December 31,
2022
177,941 

December 31,
2021
190,853 

128,449 

137,638 

87,604 
546,674 
- 
340,665 
1,281,333 

93,152 
536,267 
141,064 
325,837 
1,424,811 

* On August 31,2022, TFI International sold CFI’s Truckload, Temp Control and Mexican non-asset logistics businesses, operating primarily in the US-based 
Conventional TL operating segment. Subsequent to the sale, the remaining businesses operations in TFI International’s US-based Conventional TL operating 
segment, were transferred to the Specialized TL operating segment. This resulted in a retrospective recasting of goodwill of $104.5 million transferred from 
US-based Conventional TL operating segment to the Specialized TL operating segment to the 2021 amounts. 

The  results  as  at  December 31,  2022  determined  that  the  recoverable  amounts  of  the  Group’s  operating  segments  exceeded  their 

respective carrying amounts. 

The  recoverable  amounts  of  the  Group’s  operating  segments  were  determined  using  the  value  in  use  approach.  The  value  in  use 

methodology is based on discounted future cash flows. Management believes that the discounted future cash flows method is appropriate 

as it allows more precise valuation of specific future cash flows. 

In assessing value in use, the estimated future cash flows are discounted to their present value using pre-tax discount rates as follows:  

Reportable segment / operating segment 
Package and Courier 
Less-Than-Truckload 

Canadian Less-Than-Truckload 

Truckload 

2022  
11.5%   

11.5%   

2021

9.3% 

9.3% 

Canadian Truckload 
Specialized Truckload* 
U.S. Truckload* 

11.7% 
10.5% 
10.5% 
Logistics 
8.7% 
* On August 31,2022, TFI International sold CFI’s Truckload, Temp Control and Mexican non-asset logistics businesses, operating primarily in the US-based 
Conventional TL operating segment. Subsequent to the sale, the remaining businesses operations in TFI International’s US-based Conventional TL operating 
segment, were transferred to the Specialized TL operating segment. 

13.9%   
12.7%   
-
10.9%   

The discount rates were estimated based on past experience, and industry average weighted average cost of capital, which were based 

on a possible range of debt leveraging of 40.0% (2021 – 40.0%) at a market interest rate of 9.4% (2021 – 5.7%). 

First year cash flows were projected based on forecasted cash flows which are based on previous operating results adjusted to reflect 

current economic conditions. For a further 4-year period, cash flows were extrapolated using an average growth rate of 2.0% (2021 – 

2.0%) in revenues and margins were adjusted where deemed appropriate. The terminal value growth rate was 2.0% (2021 – 2.0%). The 

values assigned to the key assumptions represent management’s assessment of future trends in the transportation industry and were 

based on both external and internal sources (historical data). 

12. 

Investments 

Level 1 investments 
Level 3 investments 

As at   

As at

  December 31, 2022   December 31, 2021  

71,979     
13,985     
85,964     

16,391 
15,000 
31,391 

Investments  that  were  previously  disclosed  in  Other  assets  in  the  consolidated  statements  of  financial  position  are  now  separately 

presented in the Investments line item and were recast due to the material nature of the account in 2022. 

2022 Annual Report │82  

 
 
 
 
 
   
 
 
   
 
 
   
 
   
 
   
 
   
 
 
   
 
 
   
 
   
 
   
   
 
 
   
 
 
 
 
 
   
   
 
   
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Level  1  investments  include  1,026,696  shares  of  ArcBest  Corporation  (NYSE:  ARCB)  that  were  marked  to  market  with  the  publicly 

available stock price. Level 3 investments were marked to fair value based on the company performance as at December 31, 2022. The 

Group elected to designate these investments as at fair value through OCI. 

13.  Trade and other payables

Trade payables and accrued expenses 
Personnel accrued expenses 
Dividend payable 

As at
December 31, 
2022
498,777 
179,702 
30,289 
708,768 

As at
December 31, 
2021*
612,092 
224,935 
24,881 
861,908 

* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)).

The Group’s exposure to currency and liquidity risk related to trade and other payables is disclosed in note 26. 

14.  Long-term debt

This  note  provides  information  about  the  contractual  terms  of  the  Group’s  interest-bearing  long-term  debt,  which  are  measured  at

amortized cost. For more information about the Group’s exposure to interest rate, foreign exchange currency and liquidity, see note 26.

Non-current liabilities 

Unsecured revolving facilities 
Unsecured debenture 
Unsecured senior notes 
Conditional sales contracts 

Current liabilities 

Current portion of unsecured term loan 
Current portion of conditional sales contracts 

As at
December 31, 2022

As at
December 31, 2021

- 
147,233 
1,075,702 
55,735 
1,278,670 

- 
37,087 
37,087 

239,406 
157,743 
778,613 
68,746 
1,244,508 

324,444 
39,142 
363,586 

Terms and conditions of outstanding long-term debt are as follows: 

Currency

Nominal
interest
rate

Year of
maturity

Face
value

Carrying
amount

Face
value

Carrying
amount

2022 

2021 

Unsecured revolving facility 
Unsecured revolving facility 
Unsecured revolving facility 
Unsecured revolving facility 
Unsecured term loan 
Unsecured debenture 
Unsecured senior notes 
Unsecured senior notes 
Unsecured senior notes 
Unsecured senior notes 
Conditional sales contracts 

- 
2026
BA + 1.125%
CAD 
a 
- 
2026
CAD 
BA + 1.125%
a 
- 
2026
USD  SOFR + 1.125%
a 
- 
2026
USD  SOFR + 1.125%
a 
2022
- 
BA + 1.125%
CAD 
a 
3.32% - 4.22%
CAD 
2024 200,000 
b 
2.89% - 3.85% 2026 - 2033 180,000 
USD 
c 
3.15% - 3.50% 2029 - 2036 500,000 
USD 
c 
2.87% - 3.55% 2029 - 2034 200,000 
USD 
c 
3.50% - 3.80% 2032 - 2037 200,000 
c 
USD 
1.45% - 5.28% 2022 - 2024 125,810 
d  Mainly CAD 

- 
- 
- 
- 
- 
147,233 
179,013 
497,258 
199,644 
199,787 
92,822 
1,315,757 

130,000 
21,279 
120,000 
3,100 
410,000 
200,000 
180,000 
500,000 
100,000 
- 
136,338 

101,061 
16,646 
118,634 
3,065 
324,444 
157,743 
179,658 
499,049 
99,906 
- 
107,888 
1,608,094 

2022 Annual Report │83

TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

The table below summarizes changes to the long-term debt: 

Balance at beginning of year 
Proceeds from long-term debt 
Business combinations 
Repayment of long-term debt 
Net increase (decrease) in revolving facilities 
Amortization of deferred financing fees 
Effect of movements in exchange rates 
Effect of movements in exchange rates - debt designated as net investment hedge 
Balance at end of year 

a)  Unsecured revolving credit facility and term loans 

  Note  

5     

2022  

1,608,094 
334,164 
- 
(369,692) 
(236,502) 
1,296 
(97,744) 
76,141 
1,315,757 

2021
872,544 
661,039 
3,484 
(43,868) 
118,859 
1,296 
(23,154) 
17,894 
1,608,094 

On September 2, 2022, the Group extended its credit facility until August 16, 2026. Under the new extension, the CAD availability and 

USD availability remain unchanged. The adoption of the Interest Rate Benchmark Reform - Phase 2 did not have a material impact on 

the Group’s consolidated financial statements as the only debt balances subject to LIBOR reform is the USD portion of unsecured revolver. 

The revolver agreement indicated that SOFR would be the main replacement for LIBOR in the United States. Effective as of September 

2, 2022, the interest rate was the sum of the adjusted term secured overnight financing rate published by the Federal Reserve Bank of 

New York (“SOFR”) plus an applicable margin, which can vary between 113 and 175 basis points based on certain ratios. The change in 

interest  rate  did  not  have  a  material  impact  on  the  Group’s financial statements  as  the  Group  has  no  interest  rate swaps  that  hedge 

variable interest debt. Deferred financing fees of $0.8 million were recognized on the extension.  

The revolving credit facility is unsecured and can be extended annually. The Group’s revolving facilities have a total size of $929.6 million 

(December 31, 2021 - $997.1 million). The agreement provides an additional $185.8 million of credit availability (CAD $245 million and 

USD $5 million). As of December 31, 2022, the credit facility’s interest rate on CAD denominated debt was 4.49% (2021 – 1.70%) and 

on USD denominated debt was 4.30% (2021 – 1.35%).  

On August 16, 2021, the Group extended its revolving credit facility until August 16, 2025. Under the extension, CAD availability was 

increased by CAD $10 million and USD availability increased by USD $50 million. Based on certain ratios, the interest rate will be the 

sum of the banker’s acceptance rate, or Libor rate on US$ denominated debt, plus an applicable margin, which can vary between 113 

basis points and 175 basis points. The applicable margin on the credit facility was 1.25% as of December 31, 2021.     

On December 18, 2021, the Group repaid, without penalty, the first tranche of CAD $200 million of its term loan which was due in June 

2022. The remaining second tranche of term loan of CAD $410 million is unsecured and was due in June 2022 and was repaid in March 

2022.  Early repayment, in part or whole, was permitted, without penalty, and permanently reduced the amount borrowed. The terms and 

conditions of this unsecured term loan were the same as the unsecured revolving credit facility and are subject to the same covenants. 

As of December 31, 2021, the term loan’s interest rate was 1.90%. 

The debt issuances described above are subject to certain covenants regarding the maintenance of financial ratios. The Group was in 

compliance with these covenants at year-end (see note 26(f)). 

b)  Unsecured debenture 

The unsecured debenture is maturing in December 2024 and is carrying an interest rate between 3.32% and 4.22% (2021 – 3.32% to 
4.22%) depending on certain ratios. As of December 31, 2022, the debenture’s effective rate was 3.32% (2021 – 3.57%). The debenture 

may be repaid, without penalty, after December 20, 2022, subject to the approval of the Group’s syndicate of bank lenders.  

c)  Unsecured senior notes 

This loan takes the form of senior notes each carrying an interest rate and maturity date as detailed in the table above. These notes may 

be prepaid at any time prior to maturity date, in part or in total, at 100% of the principal amount and the make-whole amount determined 

at the prepayment date with respect to such principal amount. 

On March 23, 2022, the Company received $200 million in proceeds from the issuance of new debts taking the form of unsecured senior 

notes consisting of two tranches, of $100 million each, maturing on March 23, 2032, and 2037, bearing fixed interest rates of 3.50% and 

3.80%, respectively. Deferred financing fees of $0.3 million were recognized as a result of the transaction.  

2022 Annual Report │84  

 
 
 
 
 
 
 
   
 
 
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

On  March  23,  2022,  the  Company  received  additional  $100  million  in  proceeds  from  the  amendment  and  restatement  of  the  debt 

agreement signed on July 2, 2021, taking the form of unsecured senior notes as the third tranche maturing on April 2, 2034, bearing fixed 

interest rate of 3.55%. Deferred financing fees of $0.1 million were recognized as a result of the transaction.  

The proceeds raised from the two debt issuances were used in full to pay off the unsecured term loan which was due in June 2022 without 

any penalty. 

On January 13, 2021, the Group received $500 million in proceeds from the issuance of a new debt taking the form of unsecured senior 

notes  consisting  of  four  tranches  maturing  between  January  2029  and  January  2036  and  bearing  fixed  interest  between  3.15%  and 

3.50%. These notes may be prepaid at any time prior to maturity dates, in part or in total, at 100% of the principal amount and the make-

whole amount determined at the prepayment date with respect to such principal amount. Deferred financing fees of $1.4 million were 

recognized on the increase. 

On July 2, 2021, the Group received $100 million in proceeds from the issuance of a new debt taking the form of unsecured senior notes 

consisting of two tranches maturing on July 2, 2029, and July 2, 2033, bearing fixed interest of 2.87% and 3.34%. These notes may be 

prepaid at any time prior to maturity dates, in part or in total, at 100% of the principal amount and the make-whole amount determined at 

the prepayment date with respect to such principal amount. 

On July 14, 2021, the Group received $30 million in proceeds from the issuance of a new debt taking the form of unsecured senior notes 

consisting of two tranches maturing on July 14, 2029, and July 14, 2033, bearing fixed interest of 2.89% and 3.37%. These notes may be 

prepaid at any time prior to maturity dates, in part or in total, at 100% of the principal amount and the make-whole amount determined at 

the prepayment date with respect to such principal amount.  

The debt issuances described above are subject to certain covenants regarding the maintenance of financial ratios. The Group was in 

compliance with these covenants at year-end (see note 26(f)). 

d)  Conditional sales contracts 

Conditional sales contracts are secured by rolling stock having a carrying value of $126.4 million (December 31, 2021 - $144.5 million,) 
(see note 9).  

e)  Principal installments of other long-term debt payable during the subsequent years are as follows: 

Unsecured debenture 
Unsecured senior notes 
Conditional sales contracts 

15.  Lease liabilities 

Current portion of lease liabilities 
Long-term portion of lease liabilities 

The table below summarizes changes to the lease liabilities: 

Balance at beginning of year 
Business combinations 
Sale of business 
Additions 
Derecognition* 
Repayment 
Effect of movements in exchange rates 
Balance at end of year 

Less than  
1 year  

1 to 5  
years  

More than  
5 years  

- 
- 
37,087 
37,087 

147,558 
150,000 
51,768 
349,326 

- 
930,000 
3,967 
933,967 

Total
147,558 
1,080,000 
92,822 
1,320,380 

As at   

As at
  December 31, 2022   December 31, 2021
115,344  
313,862  
429,206  

115,934     
297,105     
413,039     

  Note

5     
6     

2022  
429,206     
28,269     
(3,129)    
117,221     
(16,285)    
(123,606)    
(18,637)    
413,039     

2021
355,986 
111,590 
- 
90,346 
(15,030) 
(115,336) 
1,650 
429,206 

2022 Annual Report │85  

* Derecognized lease liabilities include negotiated asset purchases and extinguishments resulting from accidents. 

 
 
 
 
 
 
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
 
   
 
 
 
 
 
 
 
 
   
   
 
   
 
 
   
   
   
 
   
 
   
 
   
 
   
 
   
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

The incremental borrowing rate used on average for 2022 is 4.01% (2021 – 2.59%). 

Extension options  

Some real estate leases contain extension options exercisable by the Group. Where practicable, the Group seeks to include extension 

options in new leases to provide operational flexibility. The Group assesses at the lease commencement date whether it is reasonably 

certain  to  exercise  the  extension  options.  The  Group  reassesses  whether  it  is  reasonably certain to exercise the  options if  there  are 

significant events or significant changes in circumstances within its control.  

The lease liabilities include future lease payments of $9.9 million (2021 – $12.7 million) related to extension options that the Group is 

reasonably certain to exercise. 

The Group has estimated that the potential future lease payments, should it exercise the remaining extension options, would result in an 

increase in lease liabilities of $377.7 million (2021 - $362.4 million). 

The Group does not have a significant exposure to termination options and penalties. 

Variable lease payments 

Some leases contain variable lease payments which are not included in the measurement of the lease liability. These payments include, 

amongst others, common area maintenance fees, municipal taxes and vehicle maintenance fees. The expense related to variable lease 

payments for the year ended December 31, 2022 was $20.6 million (2021 - $18.9 million). 

Sub-leases 

The Group sub-leases some of its properties. Income from sub-leasing right-of-use assets for the year ended December 31, 2022 was 

$15.2 million (2021 - $15.4 million), presented in “Other operating expenses”. 

Contractual cash flows 

The total contractual cash flow maturities of the Group’s lease liabilities are as follows: 

Less than 1 year 
Between 1 and 5 years 
More than 5 years 

As at
  December 31, 2022
129,059 
260,095 
64,950 
454,104 

For  the  year  ended  December 31,  2022,  operating  lease  expenses  of  $45.6  million  (2021  –  $42.4  million)  were  recognized  in  the 

consolidated statement of income for leases that either did not meet the definition of a lease under IFRS 16, or were excluded based on 

practical expedients applied. 

16.  Employee benefits 

TFI International pension plans 

The Group sponsors defined benefit pension plans for 99 of its employees (2021 – 105). 

These plans are all within Canada and include one unregistered plan. All the defined benefit plans are no longer offered to employees 

and two defined benefits plans in the past have been converted prospectively to defined contribution plans. Therefore, the future obligation 

will only vary by actuarial re-measurements. 

With the exception of one plan, all other plans do not have recurring contributions for employees. These plans are still required to fund 

past service costs. The remaining plan is fully funded by the Group.  

The Group measures its accrued benefit obligations and the fair value of plan assets for accounting purposes as at December 31 of each 

year. The most recent actuarial valuation of the pension plans for funding purposes was as of December 31, 2021 and the next required 

valuation will be as of December 31, 2022. 

2022 Annual Report │86  

 
 
 
 
 
 
 
 
   
   
   
 
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

TForce Freight pension plans 

Pursuant to the terms of the purchase agreement for TForce Freight, the Group has recognized defined benefit pension plans for certain 

participants of the UPS Pension plans. The pension plans have ongoing benefit accruals and new employees that are eligible to participate 

in the plans once they satisfy the participation requirements. The pension plans include 8,787 active participants (2021 - 9,399). 

The plans do not have recurring contributions for employees. These plans are still required to fund past service costs and are fully funded 

by  the  Group.  The  Group  measures  its  accrued  benefit  obligations  and  the  fair  value  of  plan  assets  for  accounting  purposes  as  at 

December 31 of each year. The most recent actuarial valuation of the pension plans for funding purposes was as of December 31, 2021. 

Information in the tables that follow pertains to all of the Group’s defined benefit pension plans. 

Defined benefit obligation 
Fair value of plan assets 
Net defined benefit liability (asset) 

Plan assets comprise: 

TFI International pension plans 
Equity securities 
Debt securities 
Other 
TForce Freight pension plans 
Equity securities 
Debt securities 

December 31, 2022 

December 31, 2021 

TFI
International
pension
plans
20,189     
(10,214)    
9,975     

TForce  
Freight  
pension  
plans  

144,110 
(158,444) 
(14,334) 

TFI
International
pension
plans
27,127      
(13,437 )    
13,690      

Total
164,299      
(168,658 )    
(4,359 )    

TForce
Freight
pension
plans
133,653 
(80,466) 
53,187 

Total
160,780 
(93,903) 
66,877 

December 31, 2022

December 31, 2021

7%    
91%    
2%    

95%    
5%    

6% 
89% 
5% 

48% 
52% 

All equity  and debt securities have  quoted  prices in  active markets.  Debt securities  are held through mutual funds  and primarily hold 

investments with ratings of AAA, AA or A, based on Moody’s ratings. 

The other asset categories are real estate investment trusts. 

Movement in the present value of the accrued benefit obligation for defined benefit plans: 

December 31, 2022 
TFI
International
pension
plans

TForce
Freight
pension
plans

Note

December 31, 2021 

TFI
International

pension  
plans  

TForce
Freight
pension
plans

Total 

Total

Defined benefit obligation, 

beginning of year 

Increase through business 

combinations 

    5     

Current service cost 
Interest cost 
Benefits paid 
Remeasurement (gain) loss arising from: 

- Demographic 
- Financial assumptions 
- Experience 

Settlement 
Effect of movements in exchange rates 
Defined benefit obligation, end of year 

27,127      

133,653     

160,780     

35,529     

-     

35,529  

-      
539      
730      
(985 )    

-     
115,967     
3,522     
(1,283)    

-     
116,506     
4,252     
(2,268)    

-      
(4,880 )    
(489 )    
-      
(1,853 )    
20,189      

(12,200)    
(83,707)    
(11,463)    
82     
(461)    
144,110     

(12,200)    
(88,587)    
(11,952)    
82     
(2,314)    
164,299     

-     
619     
814     
(4,885)    

-     
(1,402)    
(426)    
(3,420)    
298     
27,127     

70,261     
54,818     
1,475     
(552)    

252     
7,399     
-     
-     
-     
133,653     

70,261  
55,437  
2,289  
(5,437 ) 

252  
5,997  
(426 ) 
(3,420 ) 
298  
160,780  

2022 Annual Report │87  

 
 
 
 
 
 
 
 
 
 
 
   
 
  
   
 
  
   
 
  
 
 
 
   
   
   
 
 
   
   
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
   
     
     
     
     
     
     
 
   
     
   
     
     
     
     
     
     
 
 
   
   
     
 
   
 
 
   
  
 
 
   
 
   
 
   
   
     
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Movement in the fair value of plan assets for defined benefit plans: 

December 31, 2022 

December 31, 2021 

TFI 
    International 
pension 
plans 

Note  

TForce
Freight
pension
plans

TFI
International
pension
plans

Total

TForce
Freight
pension
plans

Total

13,437     

80,466     

93,903     

21,147     

-     

21,147 

Fair value of plan assets, 

beginning of year 

Increase through business 

    5     

combinations 
Interest income 
Employer contributions 
Benefits paid 
Fair value remeasurement 
Plan administration expenses 
Settlement 
Effect of movements in exchange rates 
Fair value of plan assets, end of year 

-     
348     
457     
(985)    
(2,066)    
(59)    
-     
(918)    
10,214     

-     
3,746     
103,099     
(1,283)    
(25,407)    
(1,735)    
-     
(442)    
158,444     

-     
4,094     
103,556     
(2,268)    
(27,473)    
(1,794)    
-     
(1,360)    
168,658     

-     
451     
815     
(4,885)    
(698)    
(112)    
(3,475)    
194     
13,437     

4,412     
100     
75,482     
(552)    
1,008     
-     
-     
16     
80,466     

4,412 
551 
76,297 
(5,437) 
310 
(112) 
(3,475) 
210 
93,903 

Expense recognized in income or loss: 

Total
55,437 
1,738 
112 
55 
57,342 
861 

Total
13,304 

Current service cost 
Net interest cost 
Plan administration expenses 
Net settlement 
Pension expense 
Actual return on plan assets 

December 31, 2022 

December 31, 2021 

TFI
International
pension
plans

539     
382     
59     
-     
980     
(1,718)    

TForce  
Freight
pension  
plans  
115,967     
(224)    
1,735     
82     
117,560     
(21,661)    

TFI
International
pension
plans
619      
363      
112      
55      
1,149      
(247 )    

Total
116,506      
158      
1,794      
82      
118,540      
(23,379 )    

TForce
Freight
pension
plans
54,818     
1,375     
-     
-     
56,193     
1,108     

Actuarial losses recognized in other comprehensive income: 

Amount accumulated in retained 

earnings, beginning of year 
Recognized during the year 
Amount accumulated in retained 

earnings, end of year 

Recognized during the year, net of tax 

December 31, 2022 

TFI
International
pension
plans
12,174     

TForce  
Freight
pension  
plans  
6,643     

December 31, 2021 

TFI
International
pension
plans
13,304      

TForce
Freight
pension
plans

-     

Total
18,817      

(3,303)    

(81,881)    

(85,184 )    

(1,130 )    

6,643     

5,513 

8,871     
(2,435)    

(75,238)    
(61,073)    

(66,367 )    
(63,508 )    

12,174      
(833 )    

6,643     
4,961     

18,817 
4,128 

The significant actuarial assumptions used (expressed as weighted average): 

Defined benefit obligation: 

Discount rate at 
Future salary increases 
Employee benefit expense: 

Discount rate at 
Rate of return on plan assets at 
Future salary increases 

December 31, 2022 

December 31, 2021 

TFI 
International 
pension 
plans 

TForce
Freight
pension
plans

TFI
International
pension
plans

TForce
Freight
pension
plans

5.0%    
1.6%    

2.4%    
2.4%    
3.0%    

5.2 %   
2.0 %   

5.2 %   
5.2 %   
2.0 %   

3.0%    
1.6%    

5.2%    
5.2%    
2.0%    

2.9% 
2.0% 

2.9% 
2.9% 
2.0% 

2022 Annual Report │88  

 
 
 
 
 
 
   
   
  
 
 
   
   
 
 
   
 
 
   
   
 
 
   
     
     
     
     
     
     
 
   
     
   
     
     
     
     
     
     
 
   
     
 
    
   
     
 
    
 
    
 
    
     
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
  
 
 
 
   
   
     
     
     
     
     
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
   
 
   
 
   
 
   
   
 
 
 
 
 
   
   
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Assumptions regarding future mortality are based on published statistics and mortality tables. The current longevities underlying the value 

of the liabilities in the defined benefit plans are as follows: 

December 31, 2022 

December 31, 2021 

Longevity at age 65 for current pensioners 

Males 
Females 

Longevity at age 65 for current members aged 45 

Males 
Females 

TFI 
International 
pension 
plans 

TForce
Freight
pension
plans

TFI
International
pension
plans

22.7     
24.9     

23.6     
25.8     

19.0 
21.4 

20.6 
22.9 

22.7     
24.9     

23.6     
25.8     

At December 31, 2022 the weighted average duration of the defined benefit obligation was: 

TFI International pension plans 
TForce Freight pension plans 

TForce 
Freight 
pension 
plans 

20.1 
22.2 

21.7 
23.7 

9.7 
18.0 

The following table presents the impact of changes of major assumptions on the defined benefit obligation for the years ended: 

Discount rate (1% movement) 
Life expectancy (1-year movement) 

Historical information: 

Defined benefit obligation 
Fair value of plan assets 
(Surplus) deficit in the plan 

2022 

2021 

Increase  

Decrease  

(25,536)    
3,911     

32,517     
(4,122)    

Increase  
(27,922)    
4,475     

Decrease
36,696 
(4,650) 

2022  

164,299 
(168,658) 
(4,359) 

2021  

160,780 
(93,903) 
66,877 

2020   

35,529 
(21,147) 
14,382 

2019   

31,449 
(18,108) 
13,341 

2018  

27,579 
(16,581) 
10,998 

Experience adjustments arising on plan obligations 
Experience adjustments arising on plan assets 

(112,739) 
(27,473) 

5,823 
310 

3,220 
1,129 

2,116 
467 

(2,427) 
(815) 

The Group expects contributions of $0.1 million to be paid to its defined benefit plans in 2023. 

2022 Annual Report │89  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
  
   
 
   
  
   
  
 
   
 
 
 
   
  
   
  
 
 
  
   
  
 
 
 
  
 
 
 
   
   
 
 
 
 
   
  
  
 
 
   
  
  
 
 
   
  
  
 
 
 
 
 
 
 
 
 
   
  
  
 
 
   
  
  
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

17.  Provisions 

Balance at December 31, 2020 
Additions through business combinations* 
Provisions made during the year 
Provisions used during the year 
Provisions reversed during the year 
Unwind of discount on long-term provisions 
Effect of movements in exchange rates 
Balance at December 31, 2021 
Additions through business combinations 
Sale of business 
Provisions made during the year 
Provisions used during the year 
Provisions reversed during the year 
Unwind of discount on long-term provisions 
Effect of movements in exchange rates 
Balance at December 31, 2022 

As at December 31, 2022 
Current provisions 
Non-current provisions 

As at December 31, 2021* 
Current provisions 
Non-current provisions 

    Self insurance 

    5     

    5     
    6     

47,733     
125     
94,885     
(62,836)    
(9,259)    
(929)    
(252)    
69,467     
-     
(1,465)    
126,439     
(80,040)    
(13,236)    
(4,153)    
(761)    
96,251     

Other 
6,522     
74,964     
4,352     
(7,977)    
-     
-     
(171)    
77,690     
280     
-     
15,372     
(13,470)    
(306)    
-     
(178)    
79,388     

Total 
54,255 
75,089 
99,237 
(70,813) 
(9,259) 
(929) 
(423) 
147,157 
280 
(1,465) 
141,811 
(93,510) 
(13,542) 
(4,153) 
(939) 
175,639 

33,918     
62,333     
96,251     

9,985     
69,403     
79,388     

43,903 
131,736 
175,639 

26,771     
42,696     
69,467     

12,241     
65,449     
77,690     

39,012 
108,145 
147,157 

* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

Self-insurance  provisions  represent  the  uninsured  portion  of  outstanding  claims  at  year-end.  The  current  portion  reflects  the  amount 
expected to be paid in the following year. Due to the long-term nature of the liability, the provision has been calculated using a discount 
rate of 3.99% (2021 – 1.3%). Other provisions include mainly litigation provisions of $42.3 million (2021 - $34.6 million) and environmental 

remediation liabilities of $23.4 million (2021 - $26.5 million). Litigation provisions contain various pending claims for which management 

used judgement and assumptions about future events. The outcomes will depend on future claim developments. 

18.  Deferred tax assets and liabilities 

Property and equipment 
Intangible assets 
Right-of-use assets 
Employee benefits 
Provisions 
Tax losses 
Other 
Net deferred tax liabilities 

Presented as: 

Deferred tax assets 
Deferred tax liabilities 

December 31,
2022

(360,111) 

(72,032)    
7,497 
23,111 
53,818 
5,686 
892 
(341,139) 

December 31,
2021*
(432,334) 
(78,888) 
8,025 
43,821 
57,961 
10,272 
(2,917) 
(394,060) 

27,047 
(368,186) 

29,695 
(423,755) 

* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

2022 Annual Report │90  

 
 
 
 
 
 
 
 
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
   
 
 
 
   
   
 
 
 
   
   
 
 
   
 
   
 
 
   
 
 
 
   
   
 
 
 
   
   
 
 
   
 
   
 
 
   
 
 
 
   
   
 
   
 
   
 
   
 
   
 
   
 
 
   
 
   
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Movement in temporary differences during the year: 

Balance   Recognized   Recognized   Disposal  
of  

directly  

Property and equipment 
Intangible assets 
Long-term debt 
Employee benefits 
Provisions 
Tax losses 
Other 
Net deferred tax liabilities 
* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

in equity   business   combinations  
(3,810)    
67,442     
(11,821)    
8,490     
-     
-     
-     
-     
1,407     
(1,490)    
17     
-     
358     
-     
(13,848)    
74,441     

7,194     
1,956     
(497)    
(27,421)    
406     
(545)    
2,755     
(16,152)    

  December 31,  
2021*  
(432,334 )    
(78,888 )    
8,025      
43,821      
57,961      
10,272      
(2,917 )    
(394,060 )    

in income  
or loss  
1,397      
8,231      
(31 )    
6,711      
(4,466 )    
(4,058 )    
696      
8,480      

Acquired  

Balance
in business   December 31,
2022

Balance   Recognized   Recognized   Disposal  
of  

directly  

Property and equipment 
Intangible assets 
Long-term debt 
Employee benefits 
Provisions 
Tax losses 
Other 
Net deferred tax liabilities 
* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

in equity   business   combinations*  
(255,467)    
(11,045)    
-     
16,679     
28,298     
10,625     
-     
(210,910)    

1,402     
(790)    
15     
13,384     
13     
(210)    
(1,917)    
11,897     

  December 31,  
2020  
(178,087 )    
(73,496 )    
4,852      
10,634      
15,151      
94      
(108 )    
(220,960 )    

in income  
or loss  
(182 )    
6,443      
3,158      
3,124      
14,499      
(237 )    
(892 )    
25,913      

-     
-     
-     
-     
-     
-     
-     
-     

Acquired  

Balance
in business   December 31,
2021

(360,111 ) 
(72,032 ) 
7,497  
23,111  
53,818  
5,686  
892  
(341,139 ) 

(432,334 ) 
(78,888 ) 
8,025  
43,821  
57,961  
10,272  
(2,917 ) 
(394,060 ) 

19.  Share capital and other components of equity 

The Company is authorized to issue an unlimited number of common shares and preferred shares, issuable in series. Both common and 

preferred shares are without par value. All issued shares are fully paid. 

The common shares entitle the holders thereof to one vote per share. The holders of the common shares are entitled to receive dividends 

as declared from time to time. Subject to the rights, privileges, restrictions and conditions attached to any other class of shares of the 

Company, the holders of the common shares are entitled to receive the remaining property of the Company upon its dissolution, liquidation 

or winding-up. 

The preferred shares may be issued in one or more series, with such rights and conditions as may be determined by resolution of the 

Directors who shall determine the designation, rights, privileges, conditions and restrictions to be attached to the preferred shares of such 

series. There are no voting rights attached to the preferred shares except as prescribed by law. In the event of the liquidation, dissolution 

or winding-up of the Company, or any other distribution of assets of the Company among its shareholders, the holders of the preferred 

shares of each series are entitled to receive, with priority over the common shares and any other shares ranking junior to the preferred 

shares  of the  Company,  an  amount  equal  to  the  redemption  price  for  such  shares,  plus  an  amount  equal  to  any  dividends  declared 

thereon  but  unpaid and not more. The  preferred  shares for each series are also entitled to  such other preferences  over the common 

shares and any other shares ranking junior to the preferred shares as may be determined as to their respective series authorized to be 

issued. The preferred shares  of each series  shall be on a parity basis with the preferred shares of every other series  with  respect to 

payment of dividends and return of capital. There are no preferred shares currently issued and outstanding. 

The following table summarizes the number of common shares issued: 

(in number of shares) 
Balance, beginning of year 
Repurchase and cancellation of own shares 
Stock options exercised 
Balance, end of period 

  Note  

21     

2022  

92,152,893     
(6,368,322)    
754,988     

86,539,559 

2021
93,397,985 
(2,157,862) 
912,770 
92,152,893 

2022 Annual Report │91  

 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
   
     
     
     
     
     
 
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
   
 
   
   
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

The following table summarizes the share capital issued and fully paid: 

Balance, beginning of year 
Repurchase and cancellation of own shares 
Cash consideration of stock options exercised 
Ascribed value credited to share capital on stock options exercised, net of tax 
Issuance of shares on settlement of RSUs, net of tax 
Balance, end of year 

2022   

1,133,181     
(68,536)    
16,502     
6,298     
1,784     
1,089,229     

2021
1,120,049  
(23,449 ) 
20,114  
6,210  
10,257  
1,133,181  

Pursuant to the normal course issuer bid (“NCIB”) which began on November 2, 2022 and ending on November 1, 2023, the Company is 

authorized  to  repurchase  for  cancellation  up  to  a  maximum  of  6,370,199  of  its  common  shares  under  certain  conditions.  As  at 
December 31, 2022, and since the inception of this NCIB, the Company has repurchased and cancelled 436,820 shares.    

During 2022, the Company repurchased 6,368,322 common shares at a weighted average price of $89.19 per share for a total purchase 

price of $568.0 million relating to the NCIB. During 2021, the Company repurchased 2,157,862 common shares at a weighted average 

price of $91.83 per share for a total purchase price of $198.2 million relating to a previous NCIB. The excess of the purchase price paid 

over the carrying value of the shares repurchased in the amount of $499.4 million (2021 – $174.7 million) was charged to retained earnings 

as share repurchase premium. 

Contributed surplus 

The contributed surplus account is used to record amounts arising on the issue of equity-settled share-based payment awards (see note 

21). 

Accumulated other comprehensive income (“AOCI”) 

At December 31, 2022 and 2021, AOCI is comprised of accumulated foreign currency translation differences arising from the translation 

of the financial statements of foreign  operations,  financial assets measured  at fair value through OCI,  gain or loss on net  investment 

hedge, realized gains on investments and defined benefit plan remeasurement gain or loss.  

Dividends 

In 2022, the Company declared quarterly dividends amounting to a total of $1.16 per outstanding common share when the dividend was 

declared (2021 – $0.96) for a total of $102.6 million (2021 - $89.1 million). On February 22, 2023, the Board of Directors approved a 

quarterly dividend of $0.35 per outstanding common share of the Company’s capital, for an expected aggregate payment of $30.3 million 

to be paid on April 17, 2023 to shareholders of record at the close of business on March 31, 2023. 

20.  Earnings per share 

Basic earnings per share 

The basic earnings per share and the weighted average number of common shares outstanding have been calculated as follows: 

(in thousands of dollars and number of shares) 
Net income 
Issued common shares, beginning of period 
Effect of stock options exercised 
Effect of repurchase of own shares 
Weighted average number of common shares 

2022  
823,232     
92,152,893     
314,112     
(3,107,423)    
89,359,582     

Earnings per share – basic (in dollars) 
* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

9.21     

2021*
754,405 
93,397,985 
593,740 
(937,480) 
93,054,245 

8.11 

2022 Annual Report │92  

 
 
 
 
 
 
 
   
   
   
   
   
   
 
 
 
   
   
   
   
   
 
 
 
   
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Diluted earnings per share 

The diluted earnings per share and the weighted average number of common shares outstanding after adjustment for the effects of all 

dilutive common shares have been calculated as follows: 

(in thousands of dollars and number of shares) 
Net income 
Weighted average number of common shares 
Dilutive effect: 

Stock options and restricted share units 

Weighted average number of diluted common shares 

2022  
823,232     
89,359,582     

1,898,097     
91,257,679     

Earnings per share - diluted (in dollars) 
* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

9.02     

2021*
754,405 
93,054,245 

2,281,778 
95,336,023 

7.91 

As at December 31, 2022, no stock options were excluded from the calculation of diluted earnings per share (2021 – nil) as none were 

deemed to be anti-dilutive. 

The average market value of the Company’s shares for purposes of calculating the dilutive effect of stock options was based on quoted 

market prices for the period during which the options were outstanding. 

21.  Share-based payment arrangements 

Stock option plan (equity-settled) 

The Company offers a stock option plan for the benefit of certain of its employees. The maximum number of shares that can be issued 

upon the exercise of options granted under the current 2012 stock option plan is 5,979,201. Each stock option entitles its holder to receive 

one  common share  upon  exercise. The  exercise price  payable for each option is determined by the Board of  Directors at the date of 

grant,  and  may  not  be  less  than  the  volume  weighted  average  trading  price  of  the  Company’s  shares  for  the  last  five  trading  days 

immediately preceding the grant date. The options vest in equal installments over three years and the expense is recognized following 

the accelerated method as each installment is fair valued separately and recorded over the respective vesting periods. The table below 

summarizes the changes in the outstanding stock options: 

(in thousands of options and in dollars) 

Balance, beginning of year 
Exercised 
Forfeited 
Balance, end of year 
Options exercisable, end of year 

2022  

Weighted    
average  
exercise  
price  
25.70     
21.84     
40.41     
27.89     
27.60     

Number   
of   
options   

2,061     
(755)    
(4)    
1,302     
1,273     

2021 
Weighted 
average 
exercise 
price 
24.65 
22.30 
23.70 
25.70 
24.27 

Number  

of

options  

2,982     
(913)    
(8)    
2,061     
1,705     

The following table summarizes information about stock options outstanding and exercisable at December 31, 2022: 

(in thousands of options and in dollars) 

Options outstanding 

Exercise prices 
  18.83 
  26.82 
  23.70 
  30.71 
  40.41 

Weighted  
average  
remaining  
contractual life  
(in years)  

0.6     
1.1     
2.1     
3.2     
4.6     
2.5     

Number  

of

options  

128     
164     
325     
607     
78     
1,302     

Options  
exercisable  

Number  

of

options  
128 
164 
325 
607 
49 
1,273 

Of the options outstanding at December 31, 2022, a total of 1,106,883 (2021 – 1,669,767) are held by key management personnel. 

The weighted average share price at the date of exercise for stock options exercised in 2022 was $99.32 (2021 – $87.65).  

2022 Annual Report │93  

 
 
 
 
 
 
 
   
   
 
 
   
   
 
 
 
   
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
   
   
   
   
   
 
 
 
 
 
   
 
 
 
 
   
 
 
 
 
   
 
 
 
 
   
 
 
   
 
 
 
 
   
   
   
   
   
 
   
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

In 2022, the Group recognized a compensation expense of $0.4 million (2021 - $1.0 million) with a corresponding increase to contributed 
surplus. 

No stock options were granted during 2022 and 2021 under the Company’s stock option plan. 

Deferred share unit plan for board members (cash-settled) 

The Company offers a deferred share unit (“DSU”) plan for its board members. Under this plan, until December 31, 2020, board members 

may  elect  to  receive  cash,  DSUs or  a combination  of  both  for  their  compensation.  The  following table  provides the  number  of  DSUs 

related to this plan: 

(in units) 
Balance, beginning of year 
Paid 
Dividends paid in units 
Balance, end of year 

2022
306,554     
-     
3,574     
310,128     

2021
373,926 
(71,709) 
4,337 
306,554 

In 2022, the Group recognized, as a result of the cash-settled director compensation plan, a compensation expense of $1.2 million (2021 

- $1.1 million). In personnel expenses, the Group recognized a mark-to-market gain on DSUs of $1.3 million (2021 – loss of $22.9 million). 

As  at  December 31,  2022,  the  total carrying  amount  of  liabilities  for cash-settled  arrangements  recorded  in  trade  and  other  payables 

amounted to $31.0 million (2021 - $34.4 million). 

Effective January 1, 2021, a new director compensation program was put in place. Quarterly cash amounts are paid to the board members 

on the 2nd Thursday following each quarter. In addition, an equity portion of compensation are awarded, comprised of restricted share 

units granted annually effective on the date of each Annual Meeting, with a vesting period of one year.  

Performance contingent restricted share unit and performance share unit plans (equity-settled) 

The Company offers an equity incentive plan for the benefit of senior employees of the Group. Each participant’s annual LTIP allocation 

is split in two equally weighted awards of performance share units (“PSUs”) and of restricted share units (‘’RSUs’’). The PSUs are subject 

to both performance and time cliff vesting conditions on the third anniversary of the award whereas the RSUs are only subject to a time 

cliff  vesting  condition  on  the  third  anniversary  of  the  award.  The  performance  conditions  attached  to  the  PSUs  are  equally  weighted 

between absolute earnings before interest and income tax and relative total shareholder return (“TSR”). For purposes of the relative TSR 

portion, there are two equally weighted comparisons: the first portion is compared against the TSR of a group of transportation industry 

peers and the second portion is compared against the S&P/TSX60 index. 

Restricted share units 

On February 7, 2022, the Company granted a total of 63,404 RSUs under the Company’s equity incentive plan of which 39,750 were 

granted to key management personnel. The fair value of the RSUs is determined to be the share price fair value at the date of the grant 

and is recognized as a share-based compensation expense, through contributed surplus, over the vesting period. The fair value of the 

RSUs granted was $98.27 per unit. 

On April 28, 2022, the Company granted a total of 10,815 RSUs under the Company’s equity incentive plan of which 10,815 were  granted 

to the directors of the Company under the new director compensation plan. The fair value of the RSUs is determined to be the share price 

fair value  at  the  date  of  the  grant  and  is  recognized  as  a  share-based  compensation  expense,  through  contributed  surplus,  over  the 

vesting period. The fair value of the RSUs granted was $83.28 per unit. 

On February 8, 2021, the Company granted a total of 78,122 RSUs under the Company’s equity incentive plan of which 51,328 were 

granted to key management personnel. The fair value of the RSUs is determined to be the share price fair value at the date of the grant 

and is recognized as a share-based compensation expense, through contributed surplus, over the vesting period. The fair value of the 

RSUs granted was $70.59 per unit.  

On April 27, 2021, the Company granted a total of 12,924 RSUs under the Company’s equity incentive plan of which 12,924 were  granted 

to the directors of the Company under the new director compensation plan. The fair value of the RSUs is determined to be the share price 

2022 Annual Report │94  

 
 
 
 
 
 
   
   
   
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

fair value  at  the  date  of  the  grant  and  is  recognized  as  a  share-based  compensation  expense,  through  contributed  surplus,  over  the 

vesting period. The RSUs vest on April 30, 2022. The fair value of the RSUs granted was $77.32 per unit.  

On December 20, 2021, the Company granted a total of 34,221 RSUs under the Company’s equity incentive plan of which 34,221 were 

granted to key management personnel. The fair value of the RSUs is determined to be the share price fair value at the date of the grant 

and is recognized as a share-based compensation expense, through contributed surplus, over the vesting period. The RSUs vest on April 

30, 2022. The fair value of the RSUs granted was $103.66 per unit.  

The table below summarizes changes to the outstanding RSUs: 

(in thousands of RSUs and in dollars) 

Balance, beginning of year 
Granted 
Reinvested 
Settled 
Settled on sale of business 
Forfeited 
Balance, end of year 

Number  
of  
RSUs  

272     
74     
3     
(49)    
(15)    
(13)    
272     

2022  

Weighted    
average  
grant date  
fair value  

54.27     
96.04     
60.68     
93.80     
44.19     
71.13     
58.33     

Number  

of
RSUs  

299     
125     
4     
(153)    
-     
(3)    
272     

2021
Weighted
average
grant date
fair value
31.54 
80.29 
37.90 
30.70 
- 
53.12 
54.27 

The following table summarizes information about RSUs outstanding and exercisable as at December 31, 2022: 

(in thousands of RSUs and in dollars) 

Grant date fair value 
  32.41 
  83.28 
  70.59 
  98.27 

Number of

RSUs  

131      
11      
71      
59      
272      

RSUs outstanding
Remaining
contractual life
(in years)
0.1 
0.3 
1.1 
2.1 
0.8 

On  August  31,  2022,  due to the sale  of  CFI’s truckload, Temp  Control and Mexican  non-asset  logistics businesses, a total of  22,876 

RSUs were cancelled (14,630 RSUs settled and 8,246 RSUs forfeited), and the employees were compensated based on the plan terms, 

which require unvested awards to be forfeited and vested awards to be paid out in cash equal to the fair value of the shares. The weighted 

average  share price at  the date  of settlement  of  RSUs  was  $104.28.  The  Group expensed the total initial  grant date fair value  of the 

settled RSUs and the excess of the price paid over the carrying value of shares, in the amount of $0.8 million, was accounted for as 

repurchase of an equity interest and charged to retained earnings.  

The weighted average share price at the date of settlement of the other RSUs vested in 2022 was $83.28 (2021 – $107.76).  The excess 

of the purchase price paid to repurchase shares on the market over the carrying value of awarded RSUs, in the amount of $1.2 million 

(2021 – $18.9 million), was charged to retained earnings as share repurchase premium. 

In 2022, the Group recognized, as a result of RSUs, a compensation expense of $6.9 million (2021 - $8.2 million) with a corresponding 

increase to contributed surplus. 

Of the RSUs outstanding at December 31, 2022, a total of 171,790 (2021 – 171,222) are held by key management personnel. 

Performance share units 

On February 7, 2022, the Company granted a total of 63,404 PSUs under the Company’s equity incentive plan of which 39,750 were 

granted  to key management  personnel.  The fair value of the PSUs is determined using a Monte  Carlo  simulation model for the  TSR 

portion and using management’s estimates for the absolute earnings before interest and income tax portion. The estimates related to the 

absolute earnings before interest and income tax portion are revised during the vesting period and the cumulative amount recognized at 

each reporting date is based on the number of equity instruments for which service and non-market performance conditions are expected 

to  be  satisfied.  The share-based compensation  expense is  recognized,  through contributed surplus,  over the vesting  period.  The fair 

value of the PSUs granted was $100.43 per unit as at grant date and $112.71 per unit as at December 31, 2022 

2022 Annual Report │95  

 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
   
   
   
   
   
   
   
 
 
 
 
   
 
 
 
   
 
 
 
    
    
    
    
 
   
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

On February 8, 2021, the Company granted a total of 78,122 PSUs under the Company’s equity incentive plan of which 51,328 were 

granted  to key management  personnel.  The fair value of the PSUs is determined using a Monte  Carlo  simulation model for the  TSR 

portion and using management’s estimates for the absolute earnings before interest and income tax portion. The estimates related to the 

absolute earnings before interest and income tax portion are revised during the vesting period and the cumulative amount recognized at 

each reporting date is based on the number of equity instruments for which service and non-market performance conditions are expected 

to  be  satisfied.  The share-based compensation  expense is  recognized,  through contributed surplus,  over the vesting  period.  The fair 

value of the PSUs granted was $89.64 per unit as at grant date and $114.35 per unit as at December 31, 2022 (2021 - $105.53 per unit). 

The table below summarizes changes to the outstanding PSUs: 

(in thousands of PSUs and in dollars) 

Balance, beginning of year 
Granted 
Reinvested 
Settled 
Added due to performance conditions 
Settled on sale of business 
Forfeited 
Balance, end of year 

Number  
of  
PSUs  

226     
63     
3     
(6)    
22     
(28)    
(19)    
261     

2022  

Weighted    
average  
grant date  
fair value  

52.25     
100.43     
62.94     
47.77     
50.87     
46.85     
75.59     
62.87     

Number  

of
PSUs  

147     
78     
3     
-     
-     
-     
(2)    
226     

2021
Weighted
average
grant date
fair value
32.41 
89.64 
45.64 
- 
- 
- 
41.65 
52.25 

The following table summarizes information about PSUs outstanding and exercisable as at December 31, 2022: 

(in thousands of PSUs and in dollars) 

Grant date fair value 
  32.41   
  89.64   
  100.43   

Number of

PSUs  

132     
70     
59     
261     

PSUs outstanding  
Remaining  
contractual life  
(in years)  

0.1 
1.1 
2.1 

0.8 

On  August  31,  2022,  due to the sale  of  CFI’s truckload, Temp  Control and Mexican  non-asset  logistics businesses, a total of  41,380 

PSUs, including 18,504 PSUs added for performance conditions met as per PSU plan terms, were cancelled (28,442 PSUs settled and 

12,938 PSUs forfeited), and the employees were compensated based on the plan terms, which require unvested awards to be forfeited 

and vested awards to be paid out in cash equal to the fair value of the shares. The weighted average share price at the date of settlement 

of PSUs was $104.28. The Group expensed the total fair value of the settled PSUs and the excess of the price paid over the carrying 

value of shares, in the amount of $0.8 million, was accounted for as repurchase of an equity interest and charged to retained earnings. 

In 2022, the Group recognized, as a result of PSUs, a compensation expense of $7.3 million (2021 - $6.2 million) with a corresponding 

increase to contributed surplus. 

Of the PSUs outstanding at December 31, 2022, a total of 171,790 (2021 – 138,141) are held by key management personnel. 

23.  Materials and services expenses 

The Group’s materials and services expenses are primarily costs related to independent contractors and vehicle operation expenses. 

Vehicle operation expenses consists primarily of fuel costs, repairs and maintenance, insurance, permits and operating supplies. 

Independent contractors 
Vehicle operation expenses 

2022  
3,394,544    
1,197,647    
4,592,191    

2021
2,911,393 
904,060 
3,815,453 

2022 Annual Report │96  

 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
 
 
 
 
   
 
 
 
   
 
 
 
   
   
   
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

24.  Personnel expenses 

Short-term employee benefits 
Contributions to defined contribution plans 
Current and past service costs related to defined benefit plans 
Termination benefits 
Equity-settled share-based payment transactions 
Cash-settled share-based payment transactions 

Note  

16     

21     
21     

2022   

2,216,769     
9,570     
116,506     
6,688     
14,648     
(1,325)    
2,362,856     

2021  

1,863,907 
9,323 
55,437 
6,053 
15,424 
23,937 
1,974,081 

In 2020, the Canada Emergency Wage Subsidy (“CEWS”) was established to enable Canadian employers to re-hire workers previously 

laid off, help prevent further job losses, and to better position themselves to resume normal operations following the COVID-19 pandemic 

declaration and crisis.  

During 2021, certain legal entities within the Company qualified for the CEWS resulting in a $12.3 million (2022 - nil) subsidy that was 

recorded and offset against personnel expenses, presented in short-term employee benefits, in the consolidated statement of income. 

24.  Finance income and finance costs 

Recognized in income or loss: 

Costs (income) 
Interest expense on long-term debt and amortization of 

deferred financing fees 

Interest expense on lease liabilities 
Interest income 
Net change in fair value and accretion expense 

of contingent considerations 
Net foreign exchange loss (gain) 
Net impact of early repayment of contingent consideration 
Other financial expenses 
Net finance costs 
Presented as: 
Finance income 
Finance costs 

25. 

Income tax expense 

Income tax recognized in income or loss: 

Current tax expense 
    Current period 
    Adjustment for prior periods 

Deferred tax expense (recovery) 
    Origination and reversal of temporary differences 
    Variation in tax rate 
    Adjustment for prior periods 

Income tax expense 

Income tax recognized in other comprehensive income: 

Foreign currency translation differences 
Defined benefit plan remeasurement gains (losses) 
Employee benefit 
Loss on net investment hedge 
Change in fair value of investment in equity securities 

2022  

52,230     
13,264     
(1,750)    

216     
556     
-     
15,881     
80,397     

(1,750)    
82,147     

2022   

263,877      
(12,988 )    
250,889      

(19,834 )    
(242 )    
11,596      
(8,480 )    
242,409      

2021

45,953 
13,521 
(2,187) 

1,932 
(1,471) 
(1,469) 
16,739 
73,018 

(5,127) 
78,145 

2021 

179,821  
(2,102 ) 
177,719  

(27,427 ) 
175  
1,339  
(25,913 ) 
151,806  

2022 

Before  

Tax  
(benefit)  
tax   expense  

(10,148)    
85,184     
304     
(76,141)    
(6,573)    
(7,374)    

-     
21,676     
12     
(4,095)    
(1,078)    
16,515     

Net of  
tax  

(10,148)    
63,508     
292     
(72,046)    
(5,495)    
(23,889)    

2021 

Before  

Tax  
(benefit)  
Tax   expense  

12,960     
(5,513)    
124     
(17,894)    
27,803     
17,480     

-     
(1,385)    
37     
(2,352)    
3,656     
(44)    

Net of
tax
12,960 
(4,128) 
87 
(15,542) 
24,147 
17,524 

2022 Annual Report │97  

 
 
 
 
 
 
 
   
 
   
   
 
   
   
   
 
   
 
 
 
 
 
 
   
   
   
 
 
   
   
   
   
   
 
 
   
   
 
 
 
 
 
   
 
   
   
 
   
 
   
 
   
   
   
 
   
   
 
 
 
  
 
 
 
 
  
 
  
 
  
 
 
 
 
 
 
   
   
   
   
   
 
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Reconciliation of effective tax rate: 

Income before income tax 
Income tax using the Company’s statutory tax rate 

Increase (decrease) resulting from: 

2022   
1,065,641   

26.5% 

282,395     

26.5%  

2021**  

906,211 
240,146 

Rate differential between jurisdictions 
Variation in tax rate 
Non deductible expenses 
Tax deductions and tax exempt income* 
Adjustment for prior periods 
Multi-jurisdiction tax 

(2,297) 
-0.2% 
175 
0.0% 
5,670 
0.3% 
(92,355) 
-3.8% 
(763) 
-0.1% 
1,230 
0.1% 
151,806 
22.7% 
* Tax deductions and tax exempt income for 2022 is mainly due to the gain on sale of business recorded on the sale of CFI’s Truckload, Temp Control and Mexican non-asset 
logistics businesses resulting in no taxes. In 2021, tax deductions and tax exempt income is mainly due to the tax exempt bargain purchase gain recorded on the acquisition of UPS 
Freight, which was recasted for adjustments to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 
** Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

(2,206)    
(242)    
3,105     
(40,172)    
(1,392)    
921     
242,409     

-0.3%  
0.0%  
0.6%  
-10.2%  
-0.1%  
0.1%  
16.8%  

26.  Financial instruments and financial risk management 

Risks 

In the normal course of its operations and through its financial assets and liabilities, the Group is exposed to the following risks: 

 

 

credit risk 

liquidity risk 

  market risk. 

This note presents information about the Group’s exposure to each of the above risks, the Group’s objectives and processes for managing 

risk,  and  the  Group’s  management  of  capital.  Further  quantitative  disclosures  are  included  throughout  these  consolidated  financial 

statements. 

Risk management framework 

The Group’s management identifies and analyzes the risks faced by the Group, sets appropriate risk limits and controls, and monitors 

risks and adherence to limits. Risk management is reviewed regularly to reflect changes in market conditions and the Group’s activities.  

The Board of Directors has overall responsibility of the Group’s risk management framework. The Board of Directors monitors the Group’s 

risks through its audit committee. The audit committee reports regularly to the Board of Directors on its activities. 

The Group’s audit committee oversees how management monitors and manages the Group’s risks and is assisted in its oversight role by 

the Group’s internal audit. Internal audit undertakes both regular and ad hoc reviews of risk, the results of which are reported to the audit 

committee. 

a)  Credit risk 

Credit risk is the risk of financial loss to the Group if a customer or counterparty to a financial instrument fails to meet its contractual 

obligation, and arises principally from the Group’s trade receivables. The Group grants credit to its customers in the ordinary course 

of business. Management believes that the credit risk of trade receivables is limited due to the following reasons: 

 

 

 

 

There is a broad base of customers with dispersion across different market segments; 

No single customer accounts for more than 5% of the Group’s revenue; 

Approximately 85.3% (2021 – 89.7%) of the Group’s trade receivables are not past due or 30 days or less past due; 

Bad debt expense has been less than 0.2% of consolidated revenues for the last 2 years.  

2022 Annual Report │98  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

Exposure to credit risk 

The Group’s maximum credit exposure corresponds to the carrying amount of the financial assets. The maximum exposure to credit risk 

at the reporting date was: 

Trade and other receivables 

Impairment losses 

December 31,
2022
1,030,726 

December 31,
2021
1,056,023 

The aging of trade and other receivables at the reporting date was: 

Not past due 
Past due 1 – 30 days 
Past due 31 – 60 days 
Past due more than 60 days 

Total
2022  
696,357     
184,907     
83,676     
94,824     
1,059,764     

Impairment  
2022  
1,124     
2,904     
8,712     
16,298     
29,038     

Total
2021  
772,077     
178,641     
63,634     
68,988     
1,083,340     

Impairment
2021
462 
2,732 
8,195 
15,928 
27,317 

The movement in the allowance for expected credit loss in respect of trade and other receivables during the year was as follows: 

Balance, beginning of year 
Business combinations 
Sale of business 
Bad debt expenses 
Amount written off and recoveries 
Effect of movements in exchange rates 
Balance, end of year 

b)  Liquidity risk 

2022
27,317     
127     
(1,914)    
19,644     
(14,129)    
(2,007)    
29,038     

2021
11,528 
9,561 
- 
10,854 
(4,372) 
(254) 
27,317 

Liquidity risk is the risk that the Group will not be able to meet its financial obligations associated with its financial liabilities that are settled 

by delivering cash or another financial asset. The Group’s approach to managing liquidity is to ensure, as far as possible, that it will always 

have sufficient liquidity to meet its liabilities when due, under both normal and stressed conditions, without incurring unacceptable losses 

or risking damage to its reputation. 

Cash inflows and cash outflows requirements from Group’s entities are monitored closely and separately to ensure the Group optimizes 

its cash return on investment. Typically, the Group ensures that it has sufficient cash to meet expected operational expenses; this excludes 

the  potential  impact  of  extreme  circumstances  that  cannot  reasonably  be  predicted.  The  Group  monitors  its  short  and  medium-term 

liquidity needs on an ongoing basis using forecasting tools. In addition, the Group maintains revolving facilities, which have $911.8 million 

availability as at December 31, 2022 (2021 - $747.6 million) and an additional $185.8 million credit available (CAD $245 million and USD 

$5  million).  The  additional  credit  is  available  under  certain  conditions  under  the  Group’s  syndicated  bank  agreement  (2021  -  $198.9 

million, CAD $245 million and USD $5 million). 

The following are the contractual maturities of the financial liabilities, including estimated interest payment: 

Carrying   Contractual
amount

cash flows  

  Less than  
1 year  

1 to 2  
years  

2 to 5   More than
5 years
years  

2022 
Trade and other payables 
Long-term debt 
Other financial liability 

2021* 
Trade and other payables 
Long-term debt 
Other financial liability 

708,768 
    1,315,757 
8,775 
    2,033,300 

708,768 
  1,659,085 
8,775 
  2,376,628 

708,768 
80,916 
8,775 
798,459 

- 
  268,727 
- 
  268,727 

- 
  229,969 
- 
  229,969 

- 
  1,079,473 
- 
  1,079,473 

861,908     

861,908     
    1,608,094      1,896,085     
8,674     

861,908     
-     
404,454      283,736      463,538     
57     
    2,478,676      2,766,667      1,267,923      290,792      463,595     

1,561     

8,674     

7,056     

-     

- 
744,357 
- 
744,357 

2022 Annual Report │99  

 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
   
   
   
   
 
   
 
 
 
   
   
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

It is not expected that the contractual cash flows could occur significantly earlier, or at significantly different amounts. 

c)  Market risk 

Market risk is the risk that changes in market prices, such as foreign exchange rates and interest rates, will affect the Group’s income or 

the value of its holdings of financial instruments. The objective of market risk management is to manage and control market risk exposure 

within acceptable parameters, while optimizing the return. 

The Group buys and sell derivatives, periodically, and also incurs financial liabilities, in order to manage market risks. All such transactions 

are carried out within the guidelines set by the Group’s management and it does not use derivatives for speculative purposes. 

d)  Currency risk 

The Group is exposed to currency risk on financial assets and liabilities, sales and purchases that are denominated in a currency other 

than the respective functional currencies of Group entities. Primarily the Canadian entities are exposed to U.S. dollars and entities having 

a  functional  currency  other  than  the  Canadian  dollars  (foreign  operations)  are  not  significantly  exposed  to  currency  risk.  The  Group 

mitigates and manages its future USD cash flow by creating offsetting positions through the use of foreign exchange contracts periodically 

and USD debt. 

To mitigate its financial net liabilities exposure to foreign currency risk related to Canadian entities, the Group designated a portion of its 

U.S. dollar denominated debt as a hedging item in a net investment hedge. 

The Group’s financial assets and liabilities exposure to foreign currency risk related to Canadian entities was as follows based on notional 

amounts: 

Trade and other receivables 
Trade and other payables 
Long-term debt 
Balance sheet exposure 
Long-term debt designated as investment hedge 
Net balance sheet exposure 

2022
50,732     
(8,301)    
(1,079,774)    
(1,037,343)    
1,080,000     
42,657     

2021
50,192 
(4,804) 
(903,556) 
(858,168) 
900,000 
41,832 

The Group estimates its annual net USD denominated cash flow from operating activities at approximately $710 million (2021 - $720 

million). This cash flow is earned evenly throughout the year. 

The following exchange rates applied during the year: 

Average USD for the year ended 
Closing USD as at 

Sensitivity analysis 

December 31,
2022
1.3013     
1.3554     

December 31,
2021
1.2535 
1.2637 

A 1-cent increase in the U.S. dollar at the reporting date, assuming all other variables, in particular interest rates, remain constant, would 

have increased (decreased) equity and income or loss by the amounts shown below. The analysis is performed on the same basis for 

2021. 

Balance sheet exposure 
Long-term debt designated as investment hedge 
Net balance sheet exposure 

1-cent  
Increase  

(7,653)    
7,968     
315     

2022  
1-cent  
Decrease  

7,653     
(7,968)    
(315)    

1-cent
Increase  

(6,791)    
7,122     
331     

2021
1-cent
Decrease
6,791 
(7,122) 
(331) 

2022 Annual Report │100  

 
 
 
 
 
 
   
   
   
   
   
   
 
 
 
   
   
 
 
 
 
 
 
 
   
   
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

e) 

Interest rate risk 

The Group’s intention is to minimize its exposure to changes in interest rates by maintaining a significant portion of fixed-rate interest-

bearing long-term debt. This is achieved by periodically entering into interest rate swaps, although no interest rate swaps were in effect 

during 2022.  

At December 31, 2022 and 2021, the interest rate profile of the Group’s carrying amount interest-bearing financial instruments excluding 

the effects of interest rate derivatives was: 

Fixed rate instruments 
Variable rate instruments 

2022
1,315,757     
-     
1,315,757     

2021
1,044,244 
563,850 
1,608,094 

The fair value of the interest  rate swaps has been estimated using  industry standard  valuation models which use  rates published  on 

financial capital markets, adjusted for credit risk. 

Fair value sensitivity analysis for fixed rate instruments 

The Group does not account for any fixed rate financial liabilities at fair value through income or loss. Therefore a change in interest rates 

at the reporting date would not affect income or loss. 

Cash flow sensitivity analysis for variable rate instruments 

A 1% change in interest rates at the reporting date would have increased (decreased) equity and net income or net loss by the amounts 

shown  below.  This  analysis  assumes  that  all  other  variables,  in  particular  foreign  currency  rates,  remain  constant.  The  analysis  is 

performed on the same basis for 2021. 

Interest on variable rate instrument 

f)  Capital management 

2022 

2021 

1% increase   1% decrease   

1% increase   

-     

-     

(4,156)    

1% decrease 
4,156 

For the purposes of capital management, capital consists of share capital and retained earnings of the Group. The Group's objectives 

when managing capital are: 

 

 

 

 

To ensure proper capital investment in order to provide stability and competitiveness to its operations; 

To ensure sufficient liquidity to pursue its growth strategy and undertake selective acquisitions; 

To maintain an appropriate debt level so that there are no financial constraints on the use of capital; and 

To maintain investors, creditors and market confidence. 

The  Group  seeks  to  maintain  a  balance  between  the  highest  returns  that  might  be  possible  with  higher  level  of  borrowings  and  the 

advantages and security by a sound capital position.  

The Group monitors its long-term debt using the ratios below to maintain an appropriate debt level. The Group’s debt-to-equity and debt-

to-capitalization ratios are as follows: 

Long-term debt 
Shareholders' equity 
Debt-to-equity ratio 
Debt-to-capitalization ratio1 
1 Long-term debt divided by the sum of shareholders' equity and long-term debt. 
* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

1,315,757     
2,463,070     
0.53     
0.35     

2022  

2021*
1,608,094  
2,310,355  
0.70  
0.41  

There were no changes in the Group’s approach to capital management during the year. 

2022 Annual Report │101  

 
 
 
 
 
 
   
   
 
   
 
 
 
  
 
 
 
   
 
 
 
 
   
   
   
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

The Group’s credit facility agreement requires monitoring two ratios on a quarterly basis. The first is a ratio of total debt plus letters of 

credit and some other long-term liabilities less cash (unrestricted cash for the credit facility and cash up to $100 million for the unsecured 

senior  notes)  to  net  income  or  loss  before  finance  income  and  costs,  income  tax  expense  (recovery),  depreciation,  amortization, 

impairment of intangible assets, bargain purchase gain, and gain or loss on sale of land and buildings, assets held for sale and intangible 

assets (“Adjusted EBITDA”). The second is a ratio of adjusted earnings before interest, income taxes, depreciation and amortization and 

rent expense (“EBITDAR”), and, including last twelve  months  adjusted EBITDAR from acquisitions to  interest and net  rent  expenses. 

These ratios are measured on a consolidated last twelve-month basis and are calculated as prescribed by the credit agreement which, 

among other things, requires the exclusion of the impact of IFRS 16 leases. These ratios must be kept below a certain threshold so as 

not to breach a covenant in the Group’s syndicated bank. At December 31, 2022 and 2021, the Group was in compliance with its financial 

covenants. 

Management believes that the Group has sufficient liquidity to continue both its operations as well as its acquisition strategy. 

Upon maturity of the Group’s long-term debt, the Group’s management and its Board of Directors will assess if the long-term debt should 

be renewed at its original value, increased or decreased based on the then required capital need, credit availability and future interest 

rates. 

g)  Accounting classification and fair values 

The fair values of financial assets and liabilities, together with the carrying amounts shown in the statements of financial position, are as 

follows: 

Financial assets 

Assets carried at fair value 

Investment in equity securities 
Assets carried at amortized cost 
Trade and other receivables 

Financial liabilities 

Liabilities carried at fair value 
Other financial liability 

Liabilities carried at amortized cost 

Trade and other payables 
Long-term debt 

December 31, 2022 

Carrying  
Amount  

Fair   
Value   

December 31, 2021*
Fair 
Value 

Carrying   
Amount   

85,964     

85,964     

31,391     

31,391 

1,030,726     
1,116,690     

1,030,726     
1,116,690     

1,056,023     
1,087,414     

1,056,023 
1,087,414 

19,657     

19,657     

18,599     

18,599 

708,768     
1,315,757     
2,044,182     

708,768     
1,300,591     
2,029,016     

861,908     
1,608,094     
2,488,601     

861,908 
1,378,813 
2,259,320 

* Recasted in fiscal 2022 for adjustments made to provisional amounts of UPS Freight prior year’s business combination (see note 5d)) 

Interest rates used for determining fair value 

The interest rates used to discount estimated cash flows, when applicable, are based on the government yield curve at December 31 

plus an adequate credit spread, and were as follows: 

Long-term debt 

Fair value hierarchy 

2022  

3.4%    

2021

2.1% 

Group’s financial assets and liabilities recorded at fair value on a recurring basis are investment in equity securities discussed above. 

Investment  in  equity  securities  include  Level  1  investments  that  are  marked  to  market  with  the  publicly  traded  information  as  at 

December 31, 2022. The remaining investment in equity securities is measured using level-3 inputs of the fair value hierarchy. 

27.  Contingencies, letters of credit and other commitments 

a)  Contingencies 

2022 Annual Report │102  

 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
 
   
   
 
   
 
 
   
   
 
   
 
   
 
 
 
   
   
 
 
 
   
   
 
 
 
   
   
 
   
 
 
   
   
 
   
   
 
   
 
 
 
 
   
 
TFI International Inc. 
(Tabular amounts in thousands of U.S. dollars, unless otherwise noted.) 

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 

YEARS ENDED DECEMBER 31, 2022 AND 2021 

There are pending operational and personnel related claims against the Group. In the opinion of management, these claims are 

adequately provided for in long-term provisions on the consolidated statements of financial position and settlement should not have 

a significant impact on the Group’s financial position or results of operations. 

b)  Letters of credit 

As at December 31, 2022, the Group had $66.8 million of outstanding letters of credit (2021 - $47.4 million). 

c)  Other commitments 

As  at  December 31,  2022,  the  Group  had  $149.8  million  of  purchase  commitments  (2021  –  $75.1  million)  and  $13.9  million  of 

purchase orders for leases that the Group intends to enter into and that are expected to materialize within a year (2021 – $13.2 

million). 

28.  Related parties 

Parent and ultimate controlling party 

There  is  no  single  ultimate  controlling  party.  Although  the  shares  of  the  Company  are  widely  held,  certain  institutional  investors  hold 

meaningful positions.  

Transactions with key management personnel 

Board  members of the  Company, executive  officers  and top  managers of major Group’s entities  are deemed  to be key management 
personnel.   There were no other transactions with key management personnel other than their respective compensation. 

Key management personnel compensation 

In addition to their salaries, the Company also provides non-cash benefits to board members and executive officers. 

Executive officers also participate in the Company’s stock option and performance contingent restricted share unit and performance share 

unit plans and board members are entitled to deferred share units, as described in note 21. Costs incurred for key management personnel 

in relation to these plans are detailed below. 

Key management personnel compensation comprised: 

Short-term benefits 
Post-employment benefits 
Equity-settled share-based payment transactions 

29.  Subsequent events 

2022  
16,858     
800     
10,874     
28,532     

2021
14,427 
793 
11,031 
26,251 

Subsequent to year end the Company acquired three businesses for a cash total of $68.8 million and contingent consideration remaining 

to be evaluated, including the Axsun Group. 

2022 Annual Report │103  

 
 
 
 
 
 
 
   
   
   
 
   
 
 
TRANSFER AGENT AND REGISTRAR

Computershare Trust Company of Canada 
100 University Avenue, 8th floor 
Toronto, Ontario M5J 2Y1 

Canada and the United States
Telephone: 1 800 564-6253 
Fax: 1 888 453-0330

International
Telephone: 514 982-7800
Fax: 416 263-9394

Computershare Trust Company, N.A.
Co-Transfer Agent (U.S.)

ANNUAL MEETING OF SHAREHOLDERS

Wednesday, April 26, 2023 at 1:30 p.m.

Details to be confirmed at a later date at :

www.tfiintl.com/en/news/

Si vous désirez recevoir la version française de  
ce rapport, veuillez écrire au secrétaire de la société : 
8801, route Transcanadienne, bureau 500 
Montréal (Québec) H4S 1Z6

CORPORATE
INFORMATION

EXECUTIVE OFFICE

96 Disco Road 
Etobicoke, Ontario M9W 0A3 
Telephone: 647 725-4500

HEAD OFFICE
8801 Trans-Canada Highway, Suite 500 
Montreal, Quebec H4S 1Z6  
Telephone: 514 331-4000 
Fax: 514 337-4200

Web site: www.tfiintl.com 
E-mail: administration@tfiintl.com

AUDITORS

KPMG LLP

STOCK EXCHANGE LISTING

TFI International Inc. shares are listed on the New York 
Stock Exchange and the Toronto Stock Exchange 
under the symbol TFII.

FINANCIAL INSTITUTIONS

National Bank of Canada

Royal Bank of Canada 

Bank of America, N.A.

JPMorgan Chase Bank, N.A. 

The Toronto Dominion Bank

PNC Bank

Bank of Montreal

U.S. Bank, N.A.

Fonds de solidarité FTQ

Prudential Financial, Inc.

Guggenheim Investments

MetLife Investment Management, LLC

Barings, LLC

Voya Investment Management, LLC

New York Life Private Capital, LLC

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