GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GSY - CA3803551074 - Common Stock
125.17 CAD
-3.85 (-2.98%)
We assign a fundamental rating of 6 out of 10 to GSY. GSY was compared to 6 industry peers in the Consumer Finance industry. Both the profitability and the financial health of GSY get a neutral evaluation. Nothing too spectacular is happening here. GSY is not priced too expensively while it is growing strongly. Keep and eye on this one! GSY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GSY was profitable.
GSY had a negative operating cash flow in the past year.
GSY had positive earnings in each of the past 5 years.
In the past 5 years GSY reported 4 times negative operating cash flow.
1.2 Ratios
With a Return On Assets value of 3.75%, GSY perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
The Return On Equity of GSY (18.92%) is better than 66.67% of its industry peers.
Looking at the Return On Invested Capital, with a value of 7.81%, GSY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
GSY had an Average Return On Invested Capital over the past 3 years of 8.63%. This is in line with the industry average of 10.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.75% | ||
| ROE | 18.92% | ||
| ROIC | 7.81% |
ROA(3y)5.22%
ROA(5y)6.83%
ROE(3y)21.07%
ROE(5y)25%
ROIC(3y)8.63%
ROIC(5y)9.07%
1.3 Margins
GSY has a better Profit Margin (14.07%) than 83.33% of its industry peers.
GSY's Profit Margin has improved in the last couple of years.
GSY has a better Operating Margin (38.49%) than 100.00% of its industry peers.
GSY's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.49% | ||
| PM (TTM) | 14.07% | ||
| GM | N/A |
OM growth 3Y5.6%
OM growth 5Y7.64%
PM growth 3Y-14.4%
PM growth 5Y11.99%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so GSY is still creating some value.
Compared to 1 year ago, GSY has about the same amount of shares outstanding.
The number of shares outstanding for GSY has been increased compared to 5 years ago.
Compared to 1 year ago, GSY has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.09, we must say that GSY is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.09, GSY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
GSY has a Debt/Equity ratio of 3.84. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.84, GSY is not doing good in the industry: 83.33% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.09 |
ROIC/WACC0.94
WACC8.28%
2.3 Liquidity
GSY has a Current Ratio of 2.57. This indicates that GSY is financially healthy and has no problem in meeting its short term obligations.
GSY's Current ratio of 2.57 is amongst the best of the industry. GSY outperforms 83.33% of its industry peers.
A Quick Ratio of 2.57 indicates that GSY has no problem at all paying its short term obligations.
The Quick ratio of GSY (2.57) is better than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.57 | ||
| Quick Ratio | 2.57 |
3. Growth
3.1 Past
GSY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.31%.
GSY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.43% yearly.
The Revenue has grown by 13.69% in the past year. This is quite good.
GSY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.11% yearly.
EPS 1Y (TTM)-0.31%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-4.63%
Revenue 1Y (TTM)13.69%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%11.44%
3.2 Future
The Earnings Per Share is expected to grow by 16.85% on average over the next years. This is quite good.
GSY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.46% yearly.
EPS Next Y6.34%
EPS Next 2Y15.78%
EPS Next 3Y16.85%
EPS Next 5YN/A
Revenue Next Year12.38%
Revenue Next 2Y12.97%
Revenue Next 3Y12.46%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.72, the valuation of GSY can be described as very cheap.
Based on the Price/Earnings ratio, GSY is valued cheaper than 83.33% of the companies in the same industry.
When comparing the Price/Earnings ratio of GSY to the average of the S&P500 Index (26.41), we can say GSY is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.59, the valuation of GSY can be described as very cheap.
GSY's Price/Forward Earnings ratio is rather cheap when compared to the industry. GSY is cheaper than 100.00% of the companies in the same industry.
GSY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 5.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GSY is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.66 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as GSY's earnings are expected to grow with 16.85% in the coming years.
PEG (NY)1.22
PEG (5Y)0.29
EPS Next 2Y15.78%
EPS Next 3Y16.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.29%, GSY is a good candidate for dividend investing.
The stock price of GSY dropped by -41.66% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
GSY's Dividend Yield is rather good when compared to the industry average which is at 3.80. GSY pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, GSY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
5.2 History
The dividend of GSY is nicely growing with an annual growth rate of 30.32%!
GSY has been paying a dividend for at least 10 years, so it has a reliable track record.
GSY has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)30.32%
Div Incr Years10
Div Non Decr Years20
5.3 Sustainability
GSY pays out 36.00% of its income as dividend. This is a sustainable payout ratio.
GSY's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36%
EPS Next 2Y15.78%
EPS Next 3Y16.85%
TSX:GSY (12/4/2025, 7:00:00 PM)
125.17
-3.85 (-2.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners16.66%
Inst Owner ChangeN/A
Ins Owners23.11%
Ins Owner ChangeN/A
Market Cap2.01B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts80
Price Target213.08 (70.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
Yearly Dividend4.37
Dividend Growth(5Y)30.32%
DP36%
Div Incr Years10
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.16%
Min EPS beat(2)-12.56%
Max EPS beat(2)0.23%
EPS beat(4)1
Avg EPS beat(4)-7.76%
Min EPS beat(4)-18.42%
Max EPS beat(4)0.23%
EPS beat(8)4
Avg EPS beat(8)-3.26%
EPS beat(12)8
Avg EPS beat(12)-0.89%
EPS beat(16)11
Avg EPS beat(16)-0.25%
Revenue beat(2)2
Avg Revenue beat(2)1.55%
Min Revenue beat(2)1.52%
Max Revenue beat(2)1.58%
Revenue beat(4)3
Avg Revenue beat(4)0.11%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)1.58%
Revenue beat(8)7
Avg Revenue beat(8)0.8%
Revenue beat(12)9
Avg Revenue beat(12)0.45%
Revenue beat(16)11
Avg Revenue beat(16)0.35%
PT rev (1m)-12.68%
PT rev (3m)-13.08%
EPS NQ rev (1m)-6.98%
EPS NQ rev (3m)-6.87%
EPS NY rev (1m)0.03%
EPS NY rev (3m)0.46%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 5.59 | ||
| P/S | 1.21 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.63 | ||
| P/tB | 2.12 | ||
| EV/EBITDA | 8.66 |
EPS(TTM)16.21
EY12.95%
EPS(NY)22.38
Fwd EY17.88%
FCF(TTM)-41.83
FCFYN/A
OCF(TTM)-40.43
OCFYN/A
SpS103.09
BVpS76.64
TBVpS58.92
PEG (NY)1.22
PEG (5Y)0.29
Graham Number167.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.75% | ||
| ROE | 18.92% | ||
| ROCE | 10.65% | ||
| ROIC | 7.81% | ||
| ROICexc | 8.52% | ||
| ROICexgc | 9.09% | ||
| OM | 38.49% | ||
| PM (TTM) | 14.07% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)5.22%
ROA(5y)6.83%
ROE(3y)21.07%
ROE(5y)25%
ROIC(3y)8.63%
ROIC(5y)9.07%
ROICexc(3y)8.96%
ROICexc(5y)9.5%
ROICexgc(3y)9.91%
ROICexgc(5y)10.5%
ROCE(3y)12.17%
ROCE(5y)13.1%
ROICexgc growth 3Y0.49%
ROICexgc growth 5Y-0.64%
ROICexc growth 3Y3.4%
ROICexc growth 5Y-1.31%
OM growth 3Y5.6%
OM growth 5Y7.64%
PM growth 3Y-14.4%
PM growth 5Y11.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 6.57 | ||
| Cap/Depr | 27.21% | ||
| Cap/Sales | 1.36% | ||
| Interest Coverage | 2.6 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.57 | ||
| Quick Ratio | 2.57 | ||
| Altman-Z | 1.09 |
F-Score3
WACC8.28%
ROIC/WACC0.94
Cap/Depr(3y)25.75%
Cap/Depr(5y)31.27%
Cap/Sales(3y)1.79%
Cap/Sales(5y)2.62%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.31%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-4.63%
EPS Next Y6.34%
EPS Next 2Y15.78%
EPS Next 3Y16.85%
EPS Next 5YN/A
Revenue 1Y (TTM)13.69%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%11.44%
Revenue Next Year12.38%
Revenue Next 2Y12.97%
Revenue Next 3Y12.46%
Revenue Next 5YN/A
EBIT growth 1Y9.53%
EBIT growth 3Y29.46%
EBIT growth 5Y29.28%
EBIT Next Year17.87%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-33.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-34.33%
OCF growth 3YN/A
OCF growth 5YN/A
GOEASY LTD / GSY.CA FAQ
Can you provide the ChartMill fundamental rating for GOEASY LTD?
ChartMill assigns a fundamental rating of 6 / 10 to GSY.CA.
Can you provide the valuation status for GOEASY LTD?
ChartMill assigns a valuation rating of 6 / 10 to GOEASY LTD (GSY.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for GOEASY LTD?
GOEASY LTD (GSY.CA) has a profitability rating of 5 / 10.
What are the PE and PB ratios of GOEASY LTD (GSY.CA) stock?
The Price/Earnings (PE) ratio for GOEASY LTD (GSY.CA) is 7.72 and the Price/Book (PB) ratio is 1.63.
Is the dividend of GOEASY LTD sustainable?
The dividend rating of GOEASY LTD (GSY.CA) is 8 / 10 and the dividend payout ratio is 36%.