GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - TSX:GSY - CA3803551074 - Common Stock
208.48 CAD
-0.72 (-0.34%)
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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! GSY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
GSY had positive earnings in the past year.
GSY had a negative operating cash flow in the past year.
GSY had positive earnings in each of the past 5 years.
GSY had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
GSY has a Return On Assets of 5.06%. This is in the better half of the industry: GSY outperforms 66.67% of its industry peers.
With a decent Return On Equity value of 23.48%, GSY is doing good in the industry, outperforming 66.67% of the companies in the same industry.
GSY has a better Return On Invested Capital (8.50%) than 83.33% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GSY is in line with the industry average of 10.16%.
| 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.
Looking at the Operating Margin, with a value of 39.46%, GSY belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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 below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, GSY has about the same amount of shares outstanding.
Compared to 5 years ago, GSY has more shares outstanding
Compared to 1 year ago, GSY has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.30, 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 1.30, 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 3.41. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.41, 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 | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.3 |
ROIC/WACC0.87
WACC9.76%
2.3 Liquidity
A Current Ratio of 0.86 indicates that GSY may have some problems paying its short term obligations.
With a Current ratio value of 0.86, GSY is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
GSY has a Quick Ratio of 0.86. This is a bad value and indicates that GSY is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of GSY (0.86) is worse than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 |
3. Growth
3.1 Past
GSY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.19%.
Measured over the past years, GSY shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.43% on average per year.
The Revenue has grown by 14.61% in the past year. This is quite good.
Measured over the past years, GSY shows a very strong growth in Revenue. The Revenue has been growing by 20.11% on average per year.
EPS 1Y (TTM)4.19%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%0.24%
Revenue 1Y (TTM)14.61%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%10.44%
3.2 Future
Based on estimates for the next years, GSY will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.28% on average per year.
Based on estimates for the next years, GSY will show a quite strong growth in Revenue. The Revenue will grow by 12.47% on average per year.
EPS Next Y5.86%
EPS Next 2Y15.53%
EPS Next 3Y17.28%
EPS Next 5YN/A
Revenue Next Year12.31%
Revenue Next 2Y12.94%
Revenue Next 3Y12.47%
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
A Price/Earnings ratio of 12.70 indicates a correct valuation of GSY.
Compared to the rest of the industry, the Price/Earnings ratio of GSY indicates a rather cheap valuation: GSY is cheaper than 83.33% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.20. GSY is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.35, the valuation of GSY can be described as reasonable.
66.67% of the companies in the same industry are more expensive than GSY, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.71. GSY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.7 | ||
| Fwd PE | 9.35 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GSY is valued cheaper than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.9 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
GSY has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as GSY's earnings are expected to grow with 17.28% in the coming years.
PEG (NY)2.17
PEG (5Y)0.48
EPS Next 2Y15.53%
EPS Next 3Y17.28%
5. Dividend
5.1 Amount
GSY has a Yearly Dividend Yield of 2.80%.
GSY's Dividend Yield is rather good when compared to the industry average which is at 2.56. GSY pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, GSY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.8% |
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 28.16% of its income as dividend. This is a 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 2Y15.53%
EPS Next 3Y17.28%
TSX:GSY (9/16/2025, 7:00:00 PM)
208.48
-0.72 (-0.34%)
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 Cap3.35B
Analysts80
Price Target245.14 (17.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.8% |
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)-9.09%
Min EPS beat(2)-18.42%
Max EPS beat(2)0.23%
EPS beat(4)2
Avg EPS beat(4)-3.85%
Min EPS beat(4)-18.42%
Max EPS beat(4)3.12%
EPS beat(8)5
Avg EPS beat(8)-0.62%
EPS beat(12)9
Avg EPS beat(12)0.55%
EPS beat(16)11
Avg EPS beat(16)0.32%
Revenue beat(2)1
Avg Revenue beat(2)-0.63%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)1.52%
Revenue beat(4)3
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)1.52%
Revenue beat(8)6
Avg Revenue beat(8)0.56%
Revenue beat(12)8
Avg Revenue beat(12)0.27%
Revenue beat(16)10
Avg Revenue beat(16)0.19%
PT rev (1m)5.87%
PT rev (3m)13.74%
EPS NQ rev (1m)-0.83%
EPS NQ rev (3m)-10.38%
EPS NY rev (1m)-11.3%
EPS NY rev (3m)-11.3%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.13%
Revenue NY rev (3m)0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.7 | ||
| Fwd PE | 9.35 | ||
| P/S | 2.1 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.77 | ||
| P/tB | 3.62 | ||
| EV/EBITDA | 9.9 |
EPS(TTM)16.41
EY7.87%
EPS(NY)22.29
Fwd EY10.69%
FCF(TTM)-37.61
FCFYN/A
OCF(TTM)-36.32
OCFYN/A
SpS99.35
BVpS75.35
TBVpS57.54
PEG (NY)2.17
PEG (5Y)0.48
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 | 1.3 |
F-Score3
WACC9.76%
ROIC/WACC0.87
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)4.19%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%0.24%
EPS Next Y5.86%
EPS Next 2Y15.53%
EPS Next 3Y17.28%
EPS Next 5YN/A
Revenue 1Y (TTM)14.61%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%10.44%
Revenue Next Year12.31%
Revenue Next 2Y12.94%
Revenue Next 3Y12.47%
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