GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GSY - CA3803551074 - Common Stock
136 CAD
+2.08 (+1.55%)
GSY gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 6 industry peers in the Consumer Finance industry. Both the profitability and the financial health of GSY get a neutral evaluation. Nothing too spectacular is happening here. GSY is growing strongly while it is still valued neutral. This is a good combination! 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 3.75%. This is in the better half of the industry: GSY outperforms 66.67% of its industry peers.
GSY has a Return On Equity of 18.92%. This is amongst the best in the industry. GSY outperforms 83.33% of its industry peers.
Looking at the Return On Invested Capital, with a value of 7.81%, GSY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for GSY is in line with the industry average of 10.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.75% | ||
| ROE | 18.92% | ||
| ROIC | 7.81% |
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's Profit Margin of 14.07% is amongst the best of the industry. GSY outperforms 100.00% of its industry peers.
In the last couple of years the Profit Margin of GSY has grown nicely.
GSY's Operating Margin of 38.49% is amongst the best of the industry. GSY outperforms 100.00% of its industry peers.
GSY's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.49% | ||
| PM (TTM) | 14.07% | ||
| 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) just above the Cost of Capital (WACC), GSY is creating some value.
GSY has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, GSY has more shares outstanding
GSY has a worse debt/assets ratio than last year.
2.2 Solvency
GSY has an Altman-Z score of 1.11. This is a bad value and indicates that GSY is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of GSY (1.11) is better than 66.67% of its industry peers.
A Debt/Equity ratio of 3.84 is on the high side and indicates that GSY has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.84, GSY is doing worse than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.11 |
ROIC/WACC1.12
WACC6.98%
2.3 Liquidity
A Current Ratio of 2.57 indicates that GSY has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.57, GSY belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
A Quick Ratio of 2.57 indicates that GSY has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.57, GSY belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.57 | ||
| Quick Ratio | 2.57 |
3. Growth
3.1 Past
GSY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.31%.
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 13.69% in the past year. This is quite good.
The Revenue has been growing by 20.11% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-0.31%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-4.63%
Revenue 1Y (TTM)13.69%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%11.44%
3.2 Future
The Earnings Per Share is expected to grow by 14.19% on average over the next years. This is quite good.
GSY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.20% yearly.
EPS Next Y-0.71%
EPS Next 2Y11.74%
EPS Next 3Y14.19%
EPS Next 5YN/A
Revenue Next Year12.05%
Revenue Next 2Y12.36%
Revenue Next 3Y12.2%
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 8.39 indicates a reasonable valuation of GSY.
83.33% of the companies in the same industry are more expensive than GSY, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of GSY to the average of the S&P500 Index (27.00), we can say GSY is valued rather cheaply.
A Price/Forward Earnings ratio of 6.52 indicates a rather cheap valuation of GSY.
Based on the Price/Forward Earnings ratio, GSY is valued cheaper than 100.00% of the companies in the same industry.
GSY is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.70, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.39 | ||
| Fwd PE | 6.52 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GSY indicates a somewhat cheap valuation: GSY is cheaper than 66.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.86 |
4.3 Compensation for Growth
The decent profitability rating of GSY may justify a higher PE ratio.
A more expensive valuation may be justified as GSY's earnings are expected to grow with 14.19% in the coming years.
PEG (NY)N/A
PEG (5Y)0.32
EPS Next 2Y11.74%
EPS Next 3Y14.19%
5. Dividend
5.1 Amount
GSY has a Yearly Dividend Yield of 4.45%, which is a nice return.
GSY's Dividend Yield is rather good when compared to the industry average which is at 1.30. GSY pays more dividend than 100.00% of the companies in the same industry.
GSY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
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 36.00% 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.
DP36%
EPS Next 2Y11.74%
EPS Next 3Y14.19%
TSX:GSY (1/8/2026, 7:00:00 PM)
136
+2.08 (+1.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners19.33%
Inst Owner ChangeN/A
Ins Owners23.23%
Ins Owner ChangeN/A
Market Cap2.18B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts80
Price Target207.47 (52.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Yearly Dividend4.37
Dividend Growth(5Y)30.32%
DP36%
Div Incr Years10
Div Non Decr Years20
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.16%
Min EPS beat(2)-12.56%
Max EPS beat(2)0.23%
EPS beat(4)1
Avg EPS beat(4)-7.76%
Min EPS beat(4)-18.42%
Max EPS beat(4)0.23%
EPS beat(8)4
Avg EPS beat(8)-3.26%
EPS beat(12)8
Avg EPS beat(12)-0.89%
EPS beat(16)11
Avg EPS beat(16)-0.25%
Revenue beat(2)2
Avg Revenue beat(2)1.55%
Min Revenue beat(2)1.52%
Max Revenue beat(2)1.58%
Revenue beat(4)3
Avg Revenue beat(4)0.11%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)1.58%
Revenue beat(8)7
Avg Revenue beat(8)0.8%
Revenue beat(12)9
Avg Revenue beat(12)0.45%
Revenue beat(16)11
Avg Revenue beat(16)0.35%
PT rev (1m)-2.63%
PT rev (3m)-14.97%
EPS NQ rev (1m)-0.36%
EPS NQ rev (3m)-8.82%
EPS NY rev (1m)-1.18%
EPS NY rev (3m)-6.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.39 | ||
| Fwd PE | 6.52 | ||
| P/S | 1.32 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.77 | ||
| P/tB | 2.31 | ||
| EV/EBITDA | 8.86 |
EPS(TTM)16.21
EY11.92%
EPS(NY)20.85
Fwd EY15.33%
FCF(TTM)-41.83
FCFYN/A
OCF(TTM)-40.43
OCFYN/A
SpS103.09
BVpS76.64
TBVpS58.92
PEG (NY)N/A
PEG (5Y)0.32
Graham Number167.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.75% | ||
| ROE | 18.92% | ||
| ROCE | 10.65% | ||
| ROIC | 7.81% | ||
| ROICexc | 8.52% | ||
| ROICexgc | 9.09% | ||
| OM | 38.49% | ||
| PM (TTM) | 14.07% | ||
| 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%
ROICexgc growth 3Y0.49%
ROICexgc 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 Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 6.57 | ||
| Cap/Depr | 27.21% | ||
| Cap/Sales | 1.36% | ||
| Interest Coverage | 2.6 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.57 | ||
| Quick Ratio | 2.57 | ||
| Altman-Z | 1.11 |
F-Score3
WACC6.98%
ROIC/WACC1.12
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)-0.31%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-4.63%
EPS Next Y-0.71%
EPS Next 2Y11.74%
EPS Next 3Y14.19%
EPS Next 5YN/A
Revenue 1Y (TTM)13.69%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%11.44%
Revenue Next Year12.05%
Revenue Next 2Y12.36%
Revenue Next 3Y12.2%
Revenue Next 5YN/A
EBIT growth 1Y9.53%
EBIT growth 3Y29.46%
EBIT growth 5Y29.28%
EBIT Next Year17.87%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-33.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-34.33%
OCF growth 3YN/A
OCF growth 5YN/A
GOEASY LTD / GSY.CA FAQ
Can you provide the ChartMill fundamental rating for GOEASY LTD?
ChartMill assigns a fundamental rating of 6 / 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.
How profitable is GOEASY LTD (GSY.CA) stock?
GOEASY LTD (GSY.CA) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for GSY stock?
The Price/Earnings (PE) ratio for GOEASY LTD (GSY.CA) is 8.39 and the Price/Book (PB) ratio is 1.77.
What is the financial health of GOEASY LTD (GSY.CA) stock?
The financial health rating of GOEASY LTD (GSY.CA) is 4 / 10.