GOEASY LTD (GSY.CA) Stock Fundamental Analysis
TSX:GSY - Toronto Stock Exchange - CA3803551074 - Common Stock - Currency: CAD
Overall GSY gets a fundamental rating of 5 out of 10. We evaluated GSY against 6 industry peers in the Consumer Finance industry. There are concerns on the financial health of GSY while its profitability can be described as average. GSY is not overvalued while it is showing excellent growth. This is an interesting combination. 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.
Each year in the past 5 years GSY has been profitable.
GSY had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.06%, GSY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
The Return On Equity of GSY (23.48%) is better than 66.67% of its industry peers.
Looking at the Return On Invested Capital, with a value of 8.50%, GSY belongs to the top of the industry, outperforming 83.33% 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 10.29%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.06% | ||
| ROE | 23.48% | ||
| ROIC | 8.5% |
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 Profit Margin of 17.81%. This is amongst the best in the industry. GSY outperforms 83.33% of its industry peers.
In the last couple of years the Profit Margin of GSY has grown nicely.
GSY has a Operating Margin of 39.46%. This is amongst the best in the industry. GSY outperforms 100.00% of its industry peers.
GSY's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 39.46% | ||
| PM (TTM) | 17.81% | ||
| 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
GSY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for GSY remains at a similar level compared to 1 year ago.
GSY has more shares outstanding than it did 5 years ago.
GSY has a worse debt/assets ratio than last year.
2.2 Solvency
GSY has an Altman-Z score of 1.28. This is a bad value and indicates that GSY is not financially healthy and even has some risk of bankruptcy.
GSY has a Altman-Z score of 1.28. This is in the better half of the industry: GSY outperforms 66.67% of its industry peers.
GSY has a Debt/Equity ratio of 3.41. This is a high value indicating a heavy dependency on external financing.
GSY has a Debt to Equity ratio of 3.41. This is amonst the worse of the industry: GSY underperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.28 |
ROIC/WACC1.1
WACC7.73%
2.3 Liquidity
A Current Ratio of 0.86 indicates that GSY may have some problems paying its short term obligations.
GSY has a Current ratio of 0.86. This is comparable to the rest of the industry: GSY outperforms 50.00% of its industry peers.
A Quick Ratio of 0.86 indicates that GSY may have some problems paying its short term obligations.
GSY has a Quick ratio of 0.86. This is comparable to the rest of the industry: GSY outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.05% over the past year.
GSY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.43% yearly.
Looking at the last year, GSY shows a quite strong growth in Revenue. The Revenue has grown by 14.61% in the last year.
GSY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.11% yearly.
EPS 1Y (TTM)11.05%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%26.59%
Revenue 1Y (TTM)14.61%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%17.83%
3.2 Future
GSY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.44% yearly.
The Revenue is expected to grow by 10.71% on average over the next years. This is quite good.
EPS Next Y19.34%
EPS Next 2Y17.99%
EPS Next 3Y17.44%
EPS Next 5YN/A
Revenue Next Year9.97%
Revenue Next 2Y10.87%
Revenue Next 3Y10.71%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
GSY is valuated reasonably with a Price/Earnings ratio of 11.64.
66.67% of the companies in the same industry are more expensive than GSY, based on the Price/Earnings ratio.
GSY is valuated cheaply when we compare the Price/Earnings ratio to 26.86, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.76, which indicates a very decent valuation of GSY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GSY indicates a somewhat cheap valuation: GSY is cheaper than 66.67% of the companies listed 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 34.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.64 | ||
| Fwd PE | 8.76 |
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 | 9.79 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of GSY may justify a higher PE ratio.
A more expensive valuation may be justified as GSY's earnings are expected to grow with 17.44% in the coming years.
PEG (NY)0.6
PEG (5Y)0.44
EPS Next 2Y17.99%
EPS Next 3Y17.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.82%, GSY has a reasonable but not impressive dividend return.
GSY's Dividend Yield is rather good when compared to the industry average which is at 2.60. GSY pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, GSY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
5.2 History
The dividend of GSY is nicely growing with an annual growth rate of 30.32%!
GSY has paid a dividend for at least 10 years, which is 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
28.16% of the earnings are spent on dividend by GSY. This is a low number and sustainable payout ratio.
The dividend of GSY is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.16%
EPS Next 2Y17.99%
EPS Next 3Y17.44%
TSX:GSY (8/20/2025, 7:00:00 PM)
203.65
-1.02 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners17.63%
Inst Owner ChangeN/A
Ins Owners23.14%
Ins Owner ChangeN/A
Market Cap3.27B
Analysts80
Price Target231.54 (13.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.82% |
Yearly Dividend4.37
Dividend Growth(5Y)30.32%
DP28.16%
Div Incr Years10
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.08%
Min EPS beat(2)-18.42%
Max EPS beat(2)26.57%
EPS beat(4)2
Avg EPS beat(4)2.74%
Min EPS beat(4)-18.42%
Max EPS beat(4)26.57%
EPS beat(8)5
Avg EPS beat(8)2.67%
EPS beat(12)9
Avg EPS beat(12)2.75%
EPS beat(16)11
Avg EPS beat(16)1.96%
Revenue beat(2)1
Avg Revenue beat(2)2.77%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)8.31%
Revenue beat(4)3
Avg Revenue beat(4)1.46%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)8.31%
Revenue beat(8)6
Avg Revenue beat(8)1.4%
Revenue beat(12)8
Avg Revenue beat(12)0.83%
Revenue beat(16)10
Avg Revenue beat(16)0.61%
PT rev (1m)6.8%
PT rev (3m)1.75%
EPS NQ rev (1m)-2.72%
EPS NQ rev (3m)-9.63%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.52%
Revenue NY rev (3m)-1.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.64 | ||
| Fwd PE | 8.76 | ||
| P/S | 2.05 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.7 | ||
| P/tB | 3.54 | ||
| EV/EBITDA | 9.79 |
EPS(TTM)17.49
EY8.59%
EPS(NY)23.25
Fwd EY11.42%
FCF(TTM)-37.66
FCFYN/A
OCF(TTM)-36.36
OCFYN/A
SpS99.47
BVpS75.44
TBVpS57.61
PEG (NY)0.6
PEG (5Y)0.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.06% | ||
| ROE | 23.48% | ||
| ROCE | 11.97% | ||
| ROIC | 8.5% | ||
| ROICexc | 8.92% | ||
| ROICexgc | 9.51% | ||
| OM | 39.46% | ||
| PM (TTM) | 17.81% | ||
| 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%
ROICexcg growth 3Y0.49%
ROICexcg 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 Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 5.8 | ||
| Cap/Depr | 25.04% | ||
| Cap/Sales | 1.3% | ||
| Interest Coverage | 2.74 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 | ||
| Altman-Z | 1.28 |
F-Score3
WACC7.73%
ROIC/WACC1.1
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)11.05%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%26.59%
EPS Next Y19.34%
EPS Next 2Y17.99%
EPS Next 3Y17.44%
EPS Next 5YN/A
Revenue 1Y (TTM)14.61%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%17.83%
Revenue Next Year9.97%
Revenue Next 2Y10.87%
Revenue Next 3Y10.71%
Revenue Next 5YN/A
EBIT growth 1Y14.96%
EBIT growth 3Y29.46%
EBIT growth 5Y29.28%
EBIT Next Year17.85%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-14.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-14.54%
OCF growth 3YN/A
OCF growth 5YN/A