GOEASY LTD (GSY.CA) Fundamental Analysis & Valuation

TSX:GSY • CA3803551074

Current stock price

32.59 CAD
+0.46 (+1.43%)
Last:

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

3

1. GSY.CA Profitability Analysis

1.1 Basic Checks

  • In the past year GSY was profitable.
  • GSY had a negative operating cash flow in the past year.
  • GSY had positive earnings in 4 of the past 5 years.
  • 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.
  • The Average Return On Invested Capital over the past 3 years for GSY is in line with the industry average of 9.22%.
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's Operating Margin of 20.50% is amongst the best of 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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. GSY.CA Health Analysis

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 has been reduced 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.
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 0.63, we must say that GSY is in the distress zone and has some risk of bankruptcy.
  • GSY has a better Altman-Z score (0.63) than 71.43% of its industry peers.
  • A Debt/Equity ratio of 5.44 is on the high side and indicates that GSY has dependencies on debt financing.
  • The Debt to Equity ratio of GSY (5.44) is worse than 71.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.44
Debt/FCF N/A
Altman-Z 0.63
ROIC/WACC0.78
WACC5.91%
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.
  • GSY has a worse Current ratio (0.73) than 71.43% of its industry peers.
  • A Quick Ratio of 0.73 indicates that GSY may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.73, GSY is doing worse than 71.43% of the companies in the same industry.
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.
  • The earnings per share for GSY have been decreasing by -17.78% on average. This is quite bad
  • Looking at the last year, GSY shows a quite strong growth in Revenue. The Revenue has grown by 11.39% in the last year.
  • Measured over the past years, GSY shows a very strong growth in Revenue. The Revenue has been growing by 21.05% on average per year.
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

  • Based on estimates for the next years, GSY will show a very strong growth in Earnings Per Share. The EPS will grow by 89.54% on average per year.
  • GSY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.74% yearly.
EPS Next Y100.43%
EPS Next 2Y89.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.3%
Revenue Next 2Y0.74%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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

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6

4. GSY.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.52, the valuation of GSY can be described as very reasonable.
  • GSY's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of GSY to the average of the S&P500 Index (27.79), we can say GSY is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 5.75, the valuation of GSY can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GSY indicates a rather cheap valuation: GSY is cheaper than 85.71% of the companies listed 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 38.88.
Industry RankSector Rank
PE 11.52
Fwd PE 5.75
GSY.CA Price Earnings VS Forward Price EarningsGSY.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as GSY.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 11.21
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

  • The 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 89.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y89.54%
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

  • GSY has a Yearly Dividend Yield of 13.46%, which is a nice return.
  • The stock price of GSY dropped by -74.77% 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.
  • GSY's Dividend Yield is rather good when compared to the industry average which is at 2.68. GSY pays more dividend than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, GSY pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.46%

5.2 History

  • On average, the dividend of GSY grows each year by 26.62%, which is quite nice.
  • GSY has been paying a dividend for at least 10 years, so it has 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

  • GSY has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • GSY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-48.96%
EPS Next 2Y89.54%
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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Find the best dividend stocksShow peers with best dividend

GSY.CA Fundamentals: All Metrics, Ratios and Statistics

GOEASY LTD

TSX:GSY (4/21/2026, 7:00:00 PM)

32.59

+0.46 (+1.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-30
Earnings (Next)05-12
Inst Owners20.03%
Inst Owner ChangeN/A
Ins Owners23.22%
Ins Owner ChangeN/A
Market Cap522.42M
Revenue(TTM)1.70B
Net Income(TTM)-178.37M
Analysts70
Price Target63.24 (94.05%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 13.46%
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)-68.11%
PT rev (3m)-69.52%
EPS NQ rev (1m)-115.23%
EPS NQ rev (3m)-115.23%
EPS NY rev (1m)-72.49%
EPS NY rev (3m)-72.8%
Revenue NQ rev (1m)-9.08%
Revenue NQ rev (3m)-9.08%
Revenue NY rev (1m)-14.4%
Revenue NY rev (3m)-14.71%
Valuation
Industry RankSector Rank
PE 11.52
Fwd PE 5.75
P/S 0.31
P/FCF N/A
P/OCF N/A
P/B 0.61
P/tB 0.72
EV/EBITDA 11.21
EPS(TTM)2.83
EY8.68%
EPS(NY)5.67
Fwd EY17.4%
FCF(TTM)-54.7
FCFYN/A
OCF(TTM)-53.31
OCFYN/A
SpS105.85
BVpS53.05
TBVpS45.23
PEG (NY)0.11
PEG (5Y)N/A
Graham Number58.1212 (78.34%)
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 0.63
F-Score2
WACC5.91%
ROIC/WACC0.78
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 Y100.43%
EPS Next 2Y89.54%
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-2.3%
Revenue Next 2Y0.74%
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 4 / 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 3 / 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%.