GOEASY LTD (GSY.CA) Fundamental Analysis & Valuation

TSX:GSY • CA3803551074

Current stock price

34.87 CAD
-2.49 (-6.66%)
Last:

This GSY.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. GSY.CA Profitability Analysis

1.1 Basic Checks

  • In the past year GSY was profitable.
  • In the past year GSY has reported a negative cash flow from operations.
  • Of the past 5 years GSY 4 years were profitable.
  • GSY had a negative operating cash flow in each of the past 5 years.
GSY.CA Yearly Net Income VS EBIT VS OCF VS FCFGSY.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M

1.2 Ratios

  • With a Return On Assets value of -3.10%, GSY perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
  • GSY's Return On Equity of -20.97% is on the low side compared to the rest of the industry. GSY is outperformed by 71.43% of its industry peers.
  • GSY's Return On Invested Capital of 4.60% is fine compared to the rest of the industry. GSY outperforms 71.43% of its industry peers.
  • GSY had an Average Return On Invested Capital over the past 3 years of 7.32%. This is below the industry average of 9.37%.
Industry RankSector Rank
ROA -3.1%
ROE -20.97%
ROIC 4.6%
ROA(3y)2.64%
ROA(5y)4.32%
ROE(3y)8.3%
ROE(5y)14.4%
ROIC(3y)7.32%
ROIC(5y)7.66%
GSY.CA Yearly ROA, ROE, ROICGSY.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20 30

1.3 Margins

  • GSY has a Operating Margin of 20.50%. This is amongst the best in the industry. GSY outperforms 85.71% of its industry peers.
  • In the last couple of years the Operating Margin of GSY has declined.
  • GSY does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM 20.5%
PM (TTM) N/A
GM N/A
OM growth 3Y-16.03%
OM growth 5Y-9.16%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
GSY.CA Yearly Profit, Operating, Gross MarginsGSY.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

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1

2. GSY.CA Health Analysis

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 less shares outstanding
  • Compared to 5 years ago, GSY has more shares outstanding
  • GSY has a worse debt/assets ratio than last year.
GSY.CA Yearly Shares OutstandingGSY.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
GSY.CA Yearly Total Debt VS Total AssetsGSY.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • Based on the Altman-Z score of 0.64, we must say that GSY is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 0.64, GSY is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • GSY has a Debt/Equity ratio of 5.44. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 5.44, GSY is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.44
Debt/FCF N/A
Altman-Z 0.64
ROIC/WACC0.77
WACC5.96%
GSY.CA Yearly LT Debt VS Equity VS FCFGSY.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

2.3 Liquidity

  • GSY has a Current Ratio of 0.73. This is a bad value and indicates that GSY is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.73, GSY is doing worse than 71.43% of the companies in the same industry.
  • GSY has a Quick Ratio of 0.73. 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 Quick ratio of 0.73. This is in the lower half of the industry: GSY underperforms 71.43% of its industry peers.
Industry RankSector Rank
Current Ratio 0.73
Quick Ratio 0.73
GSY.CA Yearly Current Assets VS Current LiabilitesGSY.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. GSY.CA Growth Analysis

3.1 Past

  • The earnings per share for GSY have decreased strongly by -83.05% in the last year.
  • Measured over the past years, GSY shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -17.78% on average per year.
  • GSY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.39%.
  • GSY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.05% yearly.
EPS 1Y (TTM)-83.05%
EPS 3Y-37.42%
EPS 5Y-17.78%
EPS Q2Q%-300.67%
Revenue 1Y (TTM)11.39%
Revenue growth 3Y18.51%
Revenue growth 5Y21.05%
Sales Q2Q%0.47%

3.2 Future

  • The Earnings Per Share is expected to grow by 192.44% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 0.53% on average over the next years.
EPS Next Y628.63%
EPS Next 2Y192.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.53%
Revenue Next 2Y0.53%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GSY.CA Yearly Revenue VS EstimatesGSY.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
GSY.CA Yearly EPS VS EstimatesGSY.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

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6

4. GSY.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.32 indicates a correct valuation of GSY.
  • GSY's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.17, GSY is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 1.69, 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 85.71% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of GSY to the average of the S&P500 Index (23.05), we can say GSY is valued rather cheaply.
Industry RankSector Rank
PE 12.32
Fwd PE 1.69
GSY.CA Price Earnings VS Forward Price EarningsGSY.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • GSY's Enterprise Value to EBITDA is on the same level as the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 11.29
GSY.CA Per share dataGSY.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 100

4.3 Compensation for Growth

  • GSY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • GSY's earnings are expected to grow with 192.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y192.44%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. GSY.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 12.56%, GSY is a good candidate for dividend investing.
  • In the last 3 months the price of GSY has falen by -73.47%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.71, 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 1.89.
Industry RankSector Rank
Dividend Yield 12.56%

5.2 History

  • The dividend of GSY is nicely growing with an annual growth rate of 26.62%!
  • GSY has paid a dividend for at least 10 years, which is 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)26.62%
Div Incr Years11
Div Non Decr Years21
GSY.CA Yearly Dividends per shareGSY.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

5.3 Sustainability

  • The earnings of GSY are negative and hence is the payout ratio. GSY will probably not be able to sustain this dividend level.
  • The dividend of GSY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-48.96%
EPS Next 2Y192.44%
EPS Next 3YN/A
GSY.CA Yearly Income VS Free CF VS DividendGSY.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M -600M -800M

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GSY.CA Fundamentals: All Metrics, Ratios and Statistics

GOEASY LTD

TSX:GSY (4/2/2026, 7:00:00 PM)

34.87

-2.49 (-6.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-30
Earnings (Next)05-05
Inst Owners19.73%
Inst Owner ChangeN/A
Ins Owners23.22%
Ins Owner ChangeN/A
Market Cap558.97M
Revenue(TTM)1.70B
Net Income(TTM)-178.37M
Analysts70
Price Target97.31 (179.07%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 12.56%
Yearly Dividend5.35
Dividend Growth(5Y)26.62%
DP-48.96%
Div Incr Years11
Div Non Decr Years21
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-68.99%
Min EPS beat(2)-125.42%
Max EPS beat(2)-12.56%
EPS beat(4)1
Avg EPS beat(4)-39.04%
Min EPS beat(4)-125.42%
Max EPS beat(4)0.23%
EPS beat(8)3
Avg EPS beat(8)-19.11%
EPS beat(12)7
Avg EPS beat(12)-11.69%
EPS beat(16)10
Avg EPS beat(16)-8.36%
Revenue beat(2)1
Avg Revenue beat(2)-1.22%
Min Revenue beat(2)-4.02%
Max Revenue beat(2)1.58%
Revenue beat(4)2
Avg Revenue beat(4)-0.92%
Min Revenue beat(4)-4.02%
Max Revenue beat(4)1.58%
Revenue beat(8)6
Avg Revenue beat(8)-0.27%
Revenue beat(12)9
Avg Revenue beat(12)0.22%
Revenue beat(16)10
Avg Revenue beat(16)0.01%
PT rev (1m)-50.93%
PT rev (3m)-53.1%
EPS NQ rev (1m)-86.72%
EPS NQ rev (3m)-86.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.11%
Revenue NQ rev (1m)-9.08%
Revenue NQ rev (3m)-9.08%
Revenue NY rev (1m)-12.84%
Revenue NY rev (3m)-13.16%
Valuation
Industry RankSector Rank
PE 12.32
Fwd PE 1.69
P/S 0.33
P/FCF N/A
P/OCF N/A
P/B 0.66
P/tB 0.77
EV/EBITDA 11.29
EPS(TTM)2.83
EY8.12%
EPS(NY)20.62
Fwd EY59.13%
FCF(TTM)-54.7
FCFYN/A
OCF(TTM)-53.31
OCFYN/A
SpS105.85
BVpS53.05
TBVpS45.23
PEG (NY)0.02
PEG (5Y)N/A
Graham Number58.12
Profitability
Industry RankSector Rank
ROA -3.1%
ROE -20.97%
ROCE 6.5%
ROIC 4.6%
ROICexc 4.73%
ROICexgc 4.89%
OM 20.5%
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)2.64%
ROA(5y)4.32%
ROE(3y)8.3%
ROE(5y)14.4%
ROIC(3y)7.32%
ROIC(5y)7.66%
ROICexc(3y)7.63%
ROICexc(5y)7.95%
ROICexgc(3y)8.24%
ROICexgc(5y)8.87%
ROCE(3y)10.31%
ROCE(5y)10.76%
ROICexgc growth 3Y-19.49%
ROICexgc growth 5Y-17.08%
ROICexc growth 3Y-16.84%
ROICexc growth 5Y-16.85%
OM growth 3Y-16.03%
OM growth 5Y-9.16%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.29
Health
Industry RankSector Rank
Debt/Equity 5.44
Debt/FCF N/A
Debt/EBITDA 10.75
Cap/Depr 27.01%
Cap/Sales 1.31%
Interest Coverage 1.28
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.73
Quick Ratio 0.73
Altman-Z 0.64
F-Score2
WACC5.96%
ROIC/WACC0.77
Cap/Depr(3y)23.32%
Cap/Depr(5y)27.81%
Cap/Sales(3y)1.32%
Cap/Sales(5y)2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-83.05%
EPS 3Y-37.42%
EPS 5Y-17.78%
EPS Q2Q%-300.67%
EPS Next Y628.63%
EPS Next 2Y192.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.39%
Revenue growth 3Y18.51%
Revenue growth 5Y21.05%
Sales Q2Q%0.47%
Revenue Next Year-0.53%
Revenue Next 2Y0.53%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-42.93%
EBIT growth 3Y-0.48%
EBIT growth 5Y9.96%
EBIT Next Year116.78%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-78.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-80.57%
OCF growth 3YN/A
OCF growth 5YN/A

GOEASY LTD / GSY.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for GOEASY LTD?

ChartMill assigns a fundamental rating of 3 / 10 to GSY.CA.


What is the valuation status of GOEASY LTD (GSY.CA) stock?

ChartMill assigns a valuation rating of 6 / 10 to GOEASY LTD (GSY.CA). This can be considered as Fairly Valued.


What is the profitability of GSY stock?

GOEASY LTD (GSY.CA) has a profitability rating of 2 / 10.


What is the financial health of GOEASY LTD (GSY.CA) stock?

The financial health rating of GOEASY LTD (GSY.CA) is 1 / 10.


How sustainable is the dividend of GOEASY LTD (GSY.CA) stock?

The dividend rating of GOEASY LTD (GSY.CA) is 8 / 10 and the dividend payout ratio is -48.96%.