GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GSY - CA3803551074 - Common Stock
129.6 CAD
+0.16 (+0.12%)
Taking everything into account, GSY scores 6 out of 10 in our fundamental rating. GSY was compared to 8 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 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.
- In the past year GSY has reported a negative cash flow from operations.
- GSY had positive earnings in each of the past 5 years.
- In the past 5 years GSY reported 4 times negative operating cash flow.
1.2 Ratios
- The Return On Assets of GSY (3.75%) is better than 62.50% of its industry peers.
- With a decent Return On Equity value of 18.92%, GSY is doing good in the industry, outperforming 75.00% of the companies in the same industry.
- GSY has a Return On Invested Capital of 7.81%. This is in the better half of the industry: GSY outperforms 75.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for GSY is in line with the industry average of 8.74%.
| 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.
- Looking at the Operating Margin, with a value of 38.49%, GSY belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- In the last couple of years the Operating Margin of GSY has grown nicely.
| 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so GSY is still creating some value.
- The number of shares outstanding for GSY remains at a similar level compared to 1 year ago.
- The number of shares outstanding for GSY has been increased compared to 5 years ago.
- Compared to 1 year ago, GSY has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 1.10, we must say that GSY is in the distress zone and has some risk of bankruptcy.
- GSY's Altman-Z score of 1.10 is fine compared to the rest of the industry. GSY outperforms 75.00% of its industry peers.
- GSY has a Debt/Equity ratio of 3.84. This is a high value indicating a heavy dependency on external financing.
- GSY has a Debt to Equity ratio of 3.84. This is in the lower half of the industry: GSY underperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.1 |
ROIC/WACC1.12
WACC7%
2.3 Liquidity
- A Current Ratio of 2.57 indicates that GSY has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 2.57, GSY belongs to the top of the industry, outperforming 87.50% 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.
- GSY's Quick ratio of 2.57 is amongst the best of the industry. GSY outperforms 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.57 | ||
| Quick Ratio | 2.57 |
3. Growth
3.1 Past
- The earnings per share for GSY have decreased by -0.31% in the last year.
- 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 13.69%.
- 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
- GSY is valuated cheaply with a Price/Earnings ratio of 8.00.
- Based on the Price/Earnings ratio, GSY is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, GSY is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 6.22, the valuation of GSY can be described as very cheap.
- Based on the Price/Forward Earnings ratio, GSY is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
- GSY is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8 | ||
| Fwd PE | 6.22 |
4.2 Price Multiples
- 62.50% 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 | 8.76 |
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)0.3
EPS Next 2Y11.74%
EPS Next 3Y14.19%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.37%, GSY is a good candidate for dividend investing.
- The stock price of GSY dropped by -22.24% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- Compared to an average industry Dividend Yield of 1.11, 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 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.37% |
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 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
- 36.00% of the earnings are spent on dividend by GSY. This is a low number and sustainable payout ratio.
- GSY's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36%
EPS Next 2Y11.74%
EPS Next 3Y14.19%
TSX:GSY (1/22/2026, 7:00:00 PM)
129.6
+0.16 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-11 2026-02-11
Inst Owners19.33%
Inst Owner ChangeN/A
Ins Owners23.23%
Ins Owner ChangeN/A
Market Cap2.08B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts78.57
Price Target207.47 (60.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.37% |
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)0%
PT rev (3m)-14.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.87%
EPS NY rev (1m)-1.18%
EPS NY rev (3m)-6.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8 | ||
| Fwd PE | 6.22 | ||
| P/S | 1.26 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.69 | ||
| P/tB | 2.2 | ||
| EV/EBITDA | 8.76 |
EPS(TTM)16.21
EY12.51%
EPS(NY)20.85
Fwd EY16.09%
FCF(TTM)-41.83
FCFYN/A
OCF(TTM)-40.43
OCFYN/A
SpS103.09
BVpS76.64
TBVpS58.92
PEG (NY)N/A
PEG (5Y)0.3
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 | 1.1 |
F-Score3
WACC7%
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 and the Price/Book (PB) ratio is 1.69.
What is the financial health of GOEASY LTD (GSY.CA) stock?
The financial health rating of GOEASY LTD (GSY.CA) is 4 / 10.