GOEASY LTD (GSY.CA) Stock Fundamental Analysis
TSX:GSY - Toronto Stock Exchange - CA3803551074 - Common Stock - Currency: CAD
We assign a fundamental rating of 5 out of 10 to GSY. GSY was compared to 7 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 evaluated to be cheap and growing strongly. This does not happen too often! 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.
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
GSY has a Return On Assets of 4.95%. This is in the better half of the industry: GSY outperforms 71.43% of its industry peers.
Looking at the Return On Equity, with a value of 22.87%, GSY is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
GSY has a better Return On Invested Capital (8.90%) than 85.71% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GSY is below the industry average of 10.75%.
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
With an excellent Profit Margin value of 16.92%, GSY belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
GSY's Profit Margin has improved in the last couple of years.
The Operating Margin of GSY (39.60%) 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 | 39.6% | ||
| 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.
GSY has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GSY is higher compared to a year ago.
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's Altman-Z score of 1.19 is fine compared to the rest of the industry. GSY outperforms 71.43% of its industry peers.
A Debt/Equity ratio of 3.39 is on the high side and indicates that GSY has dependencies on debt financing.
With a Debt to Equity ratio value of 3.39, GSY is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.39 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.19 |
ROIC/WACC1.25
WACC7.14%
2.3 Liquidity
GSY has a Current 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.
The Current ratio of GSY (0.58) is worse than 71.43% of its industry peers.
A Quick Ratio of 0.58 indicates that GSY may have some problems paying its short term obligations.
The Quick ratio of GSY (0.58) is worse than 71.43% 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.
GSY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.43% yearly.
GSY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.04%.
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)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
The Earnings Per Share is expected to grow by 17.44% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.52% 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 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
The Price/Earnings ratio is 9.36, which indicates a very decent valuation of GSY.
Based on the Price/Earnings ratio, GSY is valued cheaper than 85.71% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.55. GSY is valued rather cheaply when compared to this.
GSY is valuated cheaply with a Price/Forward Earnings ratio of 6.60.
100.00% 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 22.30. GSY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.36 | ||
| Fwd PE | 6.6 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GSY indicates a rather cheap valuation: GSY is cheaper than 85.71% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.64 |
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)0.48
PEG (5Y)0.35
EPS Next 2Y17.99%
EPS Next 3Y17.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.81%, GSY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.00, 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 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.81% |
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
28.91% 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 (6/6/2025, 7:00:00 PM)
153.53
+0.36 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners19.04%
Inst Owner ChangeN/A
Ins Owners22.68%
Ins Owner ChangeN/A
Market Cap2.49B
Analysts80
Price Target215.53 (40.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.81% |
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)-8.17%
PT rev (3m)-11.92%
EPS NQ rev (1m)-12.65%
EPS NQ rev (3m)-14.21%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)-2.61%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.36 | ||
| Fwd PE | 6.6 | ||
| P/S | 1.6 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.16 | ||
| P/tB | 2.88 | ||
| EV/EBITDA | 8.64 |
EPS(TTM)16.4
EY10.68%
EPS(NY)23.25
Fwd EY15.14%
FCF(TTM)-31.86
FCFYN/A
OCF(TTM)-30.72
OCFYN/A
SpS95.94
BVpS70.96
TBVpS53.23
PEG (NY)0.48
PEG (5Y)0.35
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 | 1.19 |
F-Score3
WACC7.14%
ROIC/WACC1.25
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