GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GSY - CA3803551074 - Common Stock
138.72 CAD
+2.72 (+2%)
GSY gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! GSY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GSY was profitable.
In the past year GSY has reported a negative cash flow from operations.
Each year in the past 5 years GSY has been profitable.
In the past 5 years GSY reported 4 times negative operating cash flow.
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 amongst the best of the industry. GSY outperforms 83.33% of its industry peers.
GSY's Return On Invested Capital of 7.81% is fine compared to the rest of the industry. GSY outperforms 66.67% 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 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
The Profit Margin of GSY (14.07%) is better 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 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.
The number of shares outstanding for GSY remains at a similar level compared to 1 year ago.
Compared to 5 years ago, GSY has more shares outstanding
The debt/assets ratio for GSY is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.12, 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 1.12, GSY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
A Debt/Equity ratio of 3.84 is on the high side and indicates that GSY has dependencies on debt 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 | 1.12 |
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.
GSY has a Current ratio of 2.57. This is amongst the best in the industry. GSY outperforms 83.33% of its industry peers.
GSY has a Quick Ratio of 2.57. This indicates that GSY is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 2.57, GSY belongs to the best 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
The earnings per share for GSY have decreased by -0.31% in the last year.
The Earnings Per Share has been growing by 26.43% on average over the past years. This is a very strong growth
The Revenue has grown by 13.69% in the past year. This is quite good.
GSY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.11% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
GSY is valuated reasonably with a Price/Earnings ratio of 8.56.
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.
GSY is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.65, 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 100.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of GSY to the average of the S&P500 Index (23.88), we can say GSY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.56 | ||
| Fwd PE | 6.65 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GSY is valued a bit cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.9 |
4.3 Compensation for Growth
GSY has a very decent profitability rating, which may justify a higher PE ratio.
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)0.32
EPS Next 2Y11.74%
EPS Next 3Y14.19%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.29%, GSY is a good candidate for dividend investing.
GSY's Dividend Yield is rather good when compared to the industry average which is at 1.08. 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 1.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
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 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
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 (1/9/2026, 7:00:00 PM)
138.72
+2.72 (+2%)
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 Cap2.23B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts78.57
Price Target207.47 (49.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
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 | 8.56 | ||
| Fwd PE | 6.65 | ||
| P/S | 1.35 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.81 | ||
| P/tB | 2.35 | ||
| EV/EBITDA | 8.9 |
EPS(TTM)16.21
EY11.69%
EPS(NY)20.85
Fwd EY15.03%
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 | 1.12 |
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 8.56 and the Price/Book (PB) ratio is 1.81.
What is the financial health of GOEASY LTD (GSY.CA) stock?
The financial health rating of GOEASY LTD (GSY.CA) is 4 / 10.