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. GSY has a medium profitability rating, but doesn't score so well on its financial health evaluation. GSY is growing strongly while it also seems undervalued. 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.
In the past year GSY has reported a negative cash flow from operations.
In the past 5 years GSY has always been profitable.
GSY had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of GSY (4.95%) is better than 66.67% of its industry peers.
GSY has a Return On Equity of 22.87%. This is in the better half of the industry: GSY outperforms 66.67% of its industry peers.
GSY's Return On Invested Capital of 8.90% is amongst the best of the industry. GSY outperforms 83.33% of its industry peers.
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 10.42%.
The 3 year average ROIC (8.63%) for GSY is below the current ROIC(8.90%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.95% | ||
| ROE | 22.87% | ||
| ROIC | 8.9% |
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 (16.92%) is better than 83.33% of its industry peers.
GSY's Profit Margin has improved in the last couple of years.
GSY has a Operating Margin of 39.60%. This is amongst the best in the industry. GSY outperforms 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 | 39.6% | ||
| PM (TTM) | 16.92% | ||
| 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.
GSY has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for GSY has been increased compared to 5 years ago.
GSY has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.22, we must say that GSY is in the distress zone and has some risk of bankruptcy.
GSY's Altman-Z score of 1.22 is fine compared to the rest of the industry. GSY outperforms 66.67% of its industry peers.
GSY has a Debt/Equity ratio of 3.39. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 3.39, GSY is doing worse than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.39 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.22 |
ROIC/WACC1.18
WACC7.52%
2.3 Liquidity
A Current Ratio of 0.58 indicates that GSY may have some problems paying its short term obligations.
The Current ratio of GSY (0.58) is worse than 83.33% of its industry peers.
GSY has a Quick Ratio of 0.58. This is a bad value and indicates that GSY is not financially healthy enough and could expect problems in meeting its short term obligations.
GSY has a worse Quick ratio (0.58) than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.58 | ||
| Quick Ratio | 0.58 |
3. Growth
3.1 Past
GSY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.85%, which is quite good.
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.
GSY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.04%.
GSY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.11% yearly.
EPS 1Y (TTM)9.85%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-7.83%
Revenue 1Y (TTM)18.04%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%10.72%
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 17.44% on average per year.
GSY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.52% yearly.
EPS Next Y19.34%
EPS Next 2Y17.99%
EPS Next 3Y17.44%
EPS Next 5YN/A
Revenue Next Year11.66%
Revenue Next 2Y12.01%
Revenue Next 3Y12.52%
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
Based on the Price/Earnings ratio of 10.34, the valuation of GSY can be described as reasonable.
Based on the Price/Earnings ratio, GSY is valued cheaper than 83.33% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.41, GSY is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.30, the valuation of GSY can be described as very cheap.
Compared to the rest of the industry, the Price/Forward 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/Forward Earnings ratio is at 35.19. GSY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| Fwd PE | 7.3 |
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 | 8.98 |
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.
GSY's earnings are expected to grow with 17.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)0.39
EPS Next 2Y17.99%
EPS Next 3Y17.44%
5. Dividend
5.1 Amount
GSY has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.63, GSY pays a better dividend. On top of this GSY pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, GSY pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
5.2 History
On average, the dividend of GSY grows each year by 30.32%, which is quite nice.
GSY has been paying a dividend for at least 10 years, so it has a reliable track record.
GSY has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)30.32%
Div Incr Years10
Div Non Decr Years20
5.3 Sustainability
28.91% 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.
DP28.91%
EPS Next 2Y17.99%
EPS Next 3Y17.44%
TSX:GSY (7/11/2025, 7:00:00 PM)
169.63
-3.96 (-2.28%)
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 Cap2.73B
Analysts80
Price Target216.81 (27.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
Yearly Dividend4.37
Dividend Growth(5Y)30.32%
DP28.91%
Div Incr Years10
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-9.36%
Min EPS beat(2)-18.42%
Max EPS beat(2)-0.31%
EPS beat(4)2
Avg EPS beat(4)-3.7%
Min EPS beat(4)-18.42%
Max EPS beat(4)3.12%
EPS beat(8)5
Avg EPS beat(8)-0.46%
EPS beat(12)9
Avg EPS beat(12)0.71%
EPS beat(16)11
Avg EPS beat(16)0.64%
Revenue beat(2)1
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)0.12%
Revenue beat(4)3
Avg Revenue beat(4)-0.49%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)0.53%
Revenue beat(8)6
Avg Revenue beat(8)0.38%
Revenue beat(12)8
Avg Revenue beat(12)0.24%
Revenue beat(16)10
Avg Revenue beat(16)0.13%
PT rev (1m)0.59%
PT rev (3m)-11.11%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)-12.58%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| Fwd PE | 7.3 | ||
| P/S | 1.75 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.37 | ||
| P/tB | 3.15 | ||
| EV/EBITDA | 8.98 |
EPS(TTM)16.4
EY9.67%
EPS(NY)23.25
Fwd EY13.71%
FCF(TTM)-32.2
FCFYN/A
OCF(TTM)-31.04
OCFYN/A
SpS96.95
BVpS71.71
TBVpS53.79
PEG (NY)0.53
PEG (5Y)0.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.95% | ||
| ROE | 22.87% | ||
| ROCE | 12.54% | ||
| ROIC | 8.9% | ||
| ROICexc | 9.23% | ||
| ROICexgc | 10.02% | ||
| OM | 39.6% | ||
| PM (TTM) | 16.92% | ||
| 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 Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.39 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 5.58 | ||
| Cap/Depr | 22.27% | ||
| Cap/Sales | 1.19% | ||
| Interest Coverage | 2.82 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.58 | ||
| Quick Ratio | 0.58 | ||
| Altman-Z | 1.22 |
F-Score3
WACC7.52%
ROIC/WACC1.18
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)9.85%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-7.83%
EPS Next Y19.34%
EPS Next 2Y17.99%
EPS Next 3Y17.44%
EPS Next 5YN/A
Revenue 1Y (TTM)18.04%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%10.72%
Revenue Next Year11.66%
Revenue Next 2Y12.01%
Revenue Next 3Y12.52%
Revenue Next 5YN/A
EBIT growth 1Y20.46%
EBIT growth 3Y29.46%
EBIT growth 5Y29.28%
EBIT Next Year17.85%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.56%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y6.88%
OCF growth 3YN/A
OCF growth 5YN/A