GOEASY LTD (GSY.CA) Stock Fundamental Analysis

TSX:GSY • CA3803551074

107.38 CAD
-2.85 (-2.59%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

GSY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. GSY has an average financial health and profitability rating. GSY is not priced too expensively while it is growing strongly. Keep and eye on this one! GSY also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

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.
  • GSY had positive earnings in each of the past 5 years.
  • GSY had negative operating cash flow in 4 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 0 200M -200M 400M -400M 600M

1.2 Ratios

  • GSY's Return On Assets of 3.75% is in line compared to the rest of the industry. GSY outperforms 50.00% of its industry peers.
  • GSY's Return On Equity of 18.92% is fine compared to the rest of the industry. GSY outperforms 75.00% of its industry peers.
  • GSY has a better Return On Invested Capital (7.81%) than 75.00% 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 10.56%.
Industry RankSector 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%
GSY.CA Yearly ROA, ROE, ROICGSY.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • GSY has a better Profit Margin (14.07%) than 100.00% of its industry peers.
  • In the last couple of years the Profit Margin of GSY has grown nicely.
  • GSY has a better Operating Margin (38.49%) than 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of GSY has grown nicely.
Industry RankSector 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
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 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • 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 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 1B 2B 3B 4B 5B

2.2 Solvency

  • Based on the Altman-Z score of 1.06, 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 1.06, GSY is in the better half of the industry, outperforming 75.00% 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's Debt to Equity ratio of 3.84 is on the low side compared to the rest of the industry. GSY is outperformed by 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.84
Debt/FCF N/A
Altman-Z 1.06
ROIC/WACC1.17
WACC6.7%
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 0 1B 2B 3B

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 RankSector Rank
Current Ratio 2.57
Quick Ratio 2.57
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 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

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.
  • The Revenue is expected to grow by 12.08% on average over the next years. This is quite good.
EPS Next Y-0.92%
EPS Next 2Y11.74%
EPS Next 3Y14.19%
EPS Next 5YN/A
Revenue Next Year12.05%
Revenue Next 2Y12.28%
Revenue Next 3Y12.08%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
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 2B
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 20

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.62, the valuation of GSY can be described as very cheap.
  • 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.
  • When comparing the Price/Earnings ratio of GSY to the average of the S&P500 Index (27.07), we can say GSY is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 5.15, the valuation of GSY can be described as very cheap.
  • 87.50% of the companies in the same industry are more expensive than GSY, based on the Price/Forward Earnings ratio.
  • GSY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 6.62
Fwd PE 5.15
GSY.CA Price Earnings VS Forward Price EarningsGSY.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 62.50% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.26
GSY.CA Per share dataGSY.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100

4.3 Compensation for Growth

  • GSY's earnings are expected to grow with 14.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.25
EPS Next 2Y11.74%
EPS Next 3Y14.19%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • GSY has a Yearly Dividend Yield of 5.30%, which is a nice return.
  • The stock price of GSY dropped by -23.30% 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 1.30, GSY pays a better dividend. On top of this GSY pays more dividend than 100.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, GSY pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.3%

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
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

  • 36.00% 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.
DP36%
EPS Next 2Y11.74%
EPS Next 3Y14.19%
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 0 200M -200M -400M
GSY.CA Dividend Payout.GSY.CA Dividend Payout, showing the Payout Ratio.GSY.CA Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

GOEASY LTD

TSX:GSY (2/27/2026, 7:00:00 PM)

107.38

-2.85 (-2.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-05
Earnings (Next)03-25
Inst Owners19.33%
Inst Owner ChangeN/A
Ins Owners23.23%
Ins Owner ChangeN/A
Market Cap1.72B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts77.14
Price Target198.29 (84.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.3%
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)-4.42%
PT rev (3m)-6.94%
EPS NQ rev (1m)-0.49%
EPS NQ rev (3m)-2.58%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.82%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.29%
Valuation
Industry RankSector Rank
PE 6.62
Fwd PE 5.15
P/S 1.04
P/FCF N/A
P/OCF N/A
P/B 1.4
P/tB 1.82
EV/EBITDA 8.26
EPS(TTM)16.21
EY15.1%
EPS(NY)20.85
Fwd EY19.42%
FCF(TTM)-41.91
FCFYN/A
OCF(TTM)-40.51
OCFYN/A
SpS103.28
BVpS76.79
TBVpS59.03
PEG (NY)N/A
PEG (5Y)0.25
Graham Number167.35
Profitability
Industry RankSector 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 RankSector 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 1.06
F-Score3
WACC6.7%
ROIC/WACC1.17
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-0.92%
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 2Y12.28%
Revenue Next 3Y12.08%
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 5 / 10 to GSY.CA.


What is the valuation status of GOEASY LTD (GSY.CA) stock?

ChartMill assigns a valuation rating of 5 / 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 5 / 10.


Can you provide the PE and PB ratios for GSY stock?

The Price/Earnings (PE) ratio for GOEASY LTD (GSY.CA) is 6.62 and the Price/Book (PB) ratio is 1.4.


What is the financial health of GOEASY LTD (GSY.CA) stock?

The financial health rating of GOEASY LTD (GSY.CA) is 4 / 10.