GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - TSX:GSY - CA3803551074 - Common Stock
120.99 CAD
+1.08 (+0.9%)
Overall GSY gets a fundamental rating of 6 out of 10. We evaluated GSY against 6 industry peers in the Consumer Finance industry. GSY has an average financial health and profitability rating. GSY is growing strongly while it also seems undervalued. This is an interesting combination GSY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
GSY had positive earnings in the past year.
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's Return On Assets of 3.75% is fine compared to the rest of the industry. GSY outperforms 66.67% of its industry peers.
GSY's Return On Equity of 18.92% is fine compared to the rest of the industry. GSY outperforms 66.67% of its industry peers.
With a decent Return On Invested Capital value of 7.81%, GSY is doing good in the industry, outperforming 66.67% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital 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
Looking at the Profit Margin, with a value of 14.07%, GSY belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
In the last couple of years the Profit Margin of GSY has grown nicely.
The Operating Margin of GSY (38.49%) is better than 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
GSY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
GSY has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.08, we must say that GSY is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.08, GSY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
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 amonst the worse of the industry: GSY underperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.08 |
ROIC/WACC0.95
WACC8.23%
2.3 Liquidity
GSY has a Current Ratio of 2.57. This indicates that GSY is financially healthy and has no problem in meeting its short term obligations.
GSY has a better Current ratio (2.57) than 83.33% of its industry peers.
A Quick Ratio of 2.57 indicates that GSY has no problem at all paying its short term obligations.
The Quick ratio of GSY (2.57) is better than 83.33% 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 has grown by an nice 17.61% over the past 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%.
GSY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.11% yearly.
EPS 1Y (TTM)17.61%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-58.84%
Revenue 1Y (TTM)13.69%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%11.44%
3.2 Future
GSY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.85% yearly.
Based on estimates for the next years, GSY will show a quite strong growth in Revenue. The Revenue will grow by 12.46% on average per year.
EPS Next Y6.34%
EPS Next 2Y15.78%
EPS Next 3Y16.85%
EPS Next 5YN/A
Revenue Next Year12.38%
Revenue Next 2Y12.97%
Revenue Next 3Y12.46%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
GSY is valuated cheaply with a Price/Earnings ratio of 7.24.
GSY's Price/Earnings ratio is rather cheap when compared to the industry. GSY is cheaper than 83.33% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.51, GSY is valued rather cheaply.
A Price/Forward Earnings ratio of 5.41 indicates a rather cheap valuation of GSY.
GSY's Price/Forward Earnings ratio is rather cheap when compared to the industry. GSY is cheaper than 83.33% of the companies in the same industry.
GSY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.24 | ||
| Fwd PE | 5.41 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GSY is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.55 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of GSY may justify a higher PE ratio.
GSY's earnings are expected to grow with 16.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.14
PEG (5Y)0.27
EPS Next 2Y15.78%
EPS Next 3Y16.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.73%, GSY is a good candidate for dividend investing.
In the last 3 months the price of GSY has falen by -42.15%. 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 4.29, 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.73% |
5.2 History
On average, the dividend of GSY grows each year by 30.32%, which is quite nice.
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
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 2Y15.78%
EPS Next 3Y16.85%
TSX:GSY (11/18/2025, 7:00:00 PM)
120.99
+1.08 (+0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners16.66%
Inst Owner ChangeN/A
Ins Owners23.11%
Ins Owner ChangeN/A
Market Cap1.95B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts80
Price Target239.39 (97.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.73% |
Yearly Dividend4.37
Dividend Growth(5Y)30.32%
DP36%
Div Incr Years10
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)1.54%
Min Revenue beat(2)1.52%
Max Revenue beat(2)1.56%
Revenue beat(4)3
Avg Revenue beat(4)0.11%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)1.56%
Revenue beat(8)7
Avg Revenue beat(8)0.79%
Revenue beat(12)9
Avg Revenue beat(12)0.45%
Revenue beat(16)11
Avg Revenue beat(16)0.35%
PT rev (1m)-1.89%
PT rev (3m)3.39%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)-0.29%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-10.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.24 | ||
| Fwd PE | 5.41 | ||
| P/S | 1.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.58 | ||
| P/tB | 2.06 | ||
| EV/EBITDA | 8.55 |
EPS(TTM)16.7
EY13.8%
EPS(NY)22.38
Fwd EY18.5%
FCF(TTM)-41.75
FCFYN/A
OCF(TTM)-40.36
OCFYN/A
SpS102.89
BVpS76.5
TBVpS58.81
PEG (NY)1.14
PEG (5Y)0.27
Graham Number169.54
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 | 1.08 |
F-Score3
WACC8.23%
ROIC/WACC0.95
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)17.61%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-58.84%
EPS Next Y6.34%
EPS Next 2Y15.78%
EPS Next 3Y16.85%
EPS Next 5YN/A
Revenue 1Y (TTM)13.69%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%11.44%
Revenue Next Year12.38%
Revenue Next 2Y12.97%
Revenue Next 3Y12.46%
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.
Can you provide the valuation status for GOEASY LTD?
ChartMill assigns a valuation rating of 7 / 10 to GOEASY LTD (GSY.CA). This can be considered as Undervalued.
Can you provide the profitability details for GOEASY LTD?
GOEASY LTD (GSY.CA) has a profitability rating of 6 / 10.
What are the PE and PB ratios of GOEASY LTD (GSY.CA) stock?
The Price/Earnings (PE) ratio for GOEASY LTD (GSY.CA) is 7.24 and the Price/Book (PB) ratio is 1.58.
Is the dividend of GOEASY LTD sustainable?
The dividend rating of GOEASY LTD (GSY.CA) is 8 / 10 and the dividend payout ratio is 36%.