GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - TSX:GSY - CA3803551074 - Common Stock
159.61 CAD
+0.89 (+0.56%)
GSY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals 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. Finally 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
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.
Looking at the Return On Equity, with a value of 23.48%, GSY is in the better half of 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.
GSY had an Average Return On Invested Capital over the past 3 years of 8.63%. This is below the industry average of 10.69%.
| 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
The Profit Margin of GSY (17.81%) is better than 83.33% of its industry peers.
In the last couple of years the Profit Margin of GSY has grown nicely.
The Operating Margin of GSY (39.46%) is better than 100.00% of its industry peers.
In the last couple of years the Operating Margin of GSY has grown nicely.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GSY is destroying value.
Compared to 1 year ago, GSY has about the same amount of shares outstanding.
GSY has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, GSY has a worse debt to assets ratio.
2.2 Solvency
GSY has an Altman-Z score of 1.19. This is a bad value and indicates that GSY is not financially healthy and even has some risk of bankruptcy.
GSY has a better Altman-Z score (1.19) than 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.
The Debt to Equity ratio of GSY (3.41) is worse than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.19 |
ROIC/WACC0.94
WACC9.02%
2.3 Liquidity
A Current Ratio of 0.86 indicates that GSY may have some problems paying its short term obligations.
GSY has a worse Current ratio (0.86) than 66.67% of its industry peers.
A Quick Ratio of 0.86 indicates that GSY may have some problems paying its short term obligations.
With a Quick 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.19% over the past year.
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.
Looking at the last year, GSY shows a quite strong growth in Revenue. The Revenue has grown by 14.61% in the last year.
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
The Earnings Per Share is expected to grow by 17.28% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.46% on average over the next years. This is quite good.
EPS Next Y6.31%
EPS Next 2Y15.79%
EPS Next 3Y17.28%
EPS Next 5YN/A
Revenue Next Year12.38%
Revenue Next 2Y12.91%
Revenue Next 3Y12.46%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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
A Price/Earnings ratio of 9.73 indicates a reasonable 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.
When comparing the Price/Earnings ratio of GSY to the average of the S&P500 Index (27.53), we can say GSY is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.13, 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 83.33% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.04. GSY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.73 | ||
| Fwd PE | 7.13 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than GSY, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.8 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of GSY may justify a higher PE ratio.
GSY's earnings are expected to grow with 17.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.54
PEG (5Y)0.37
EPS Next 2Y15.79%
EPS Next 3Y17.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.65%, GSY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, GSY pays a better dividend. On top of this GSY pays more dividend than 100.00% of the companies listed in the same industry.
GSY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.65% |
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
GSY pays out 28.16% 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.
DP28.16%
EPS Next 2Y15.79%
EPS Next 3Y17.28%
TSX:GSY (10/15/2025, 7:00:00 PM)
159.61
+0.89 (+0.56%)
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 Cap2.57B
Analysts80
Price Target244.01 (52.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.65% |
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)-0.46%
PT rev (3m)12.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.53%
EPS NY rev (1m)0.43%
EPS NY rev (3m)-10.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.73 | ||
| Fwd PE | 7.13 | ||
| P/S | 1.61 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.12 | ||
| P/tB | 2.77 | ||
| EV/EBITDA | 8.8 |
EPS(TTM)16.41
EY10.28%
EPS(NY)22.39
Fwd EY14.03%
FCF(TTM)-37.61
FCFYN/A
OCF(TTM)-36.32
OCFYN/A
SpS99.35
BVpS75.35
TBVpS57.54
PEG (NY)1.54
PEG (5Y)0.37
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 | 1.19 |
F-Score3
WACC9.02%
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)4.19%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%0.24%
EPS Next Y6.31%
EPS Next 2Y15.79%
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 Year12.38%
Revenue Next 2Y12.91%
Revenue Next 3Y12.46%
Revenue Next 5YN/A
EBIT growth 1Y14.96%
EBIT growth 3Y29.46%
EBIT growth 5Y29.28%
EBIT Next Year17.87%
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