GOEASY LTD (GSY.CA) Fundamental Analysis & Valuation

TSX:GSY • CA3803551074

Current stock price

35.72 CAD
+0.7 (+2%)
Last:

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

5

1. GSY.CA Profitability Analysis

1.1 Basic Checks

  • GSY had positive earnings in the past year.
  • GSY had a negative operating cash flow in the past year.
  • Each year in the past 5 years GSY has been profitable.
  • 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

  • With a Return On Assets value of 3.75%, GSY perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • 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.
  • Looking at the Return On Invested Capital, with a value of 7.81%, GSY is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
  • 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

  • Looking at the Profit Margin, with a value of 14.07%, GSY belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • GSY's Profit Margin has improved in the last couple of years.
  • GSY's Operating Margin of 38.49% is amongst the best of the industry. GSY outperforms 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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4

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.
  • Compared to 1 year ago, GSY has about the same amount of shares outstanding.
  • 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 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

  • GSY has an Altman-Z score of 0.92. This is a bad value and indicates that GSY is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.92, GSY is in the better half of the industry, outperforming 75.00% 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.
  • Looking at the Debt to Equity ratio, with a value of 3.84, GSY is doing worse than 75.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.84
Debt/FCF N/A
Altman-Z 0.92
ROIC/WACC1.32
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 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.
  • Looking at the Quick 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.
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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7

3. GSY.CA Growth Analysis

3.1 Past

  • GSY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.31%.
  • GSY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.43% yearly.
  • 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 13.17% 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 11.85% yearly.
EPS Next Y-2.98%
EPS Next 2Y11.12%
EPS Next 3Y13.17%
EPS Next 5YN/A
Revenue Next Year12.05%
Revenue Next 2Y12.16%
Revenue Next 3Y11.85%
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.
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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6

4. GSY.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 2.20, which indicates a rather cheap valuation of GSY.
  • Compared to the rest of the industry, the Price/Earnings ratio of GSY indicates a rather cheap valuation: GSY is cheaper than 87.50% of the companies listed in the same industry.
  • GSY is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 1.73, 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's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 2.2
Fwd PE 1.73
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

  • GSY's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GSY is cheaper than 62.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.66
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 13.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.08
EPS Next 2Y11.12%
EPS Next 3Y13.17%

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8

5. GSY.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 16.68%, GSY is a good candidate for dividend investing.
  • The stock price of GSY dropped by -70.79% 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 2.84. GSY pays more dividend than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, GSY pays a better dividend.
Industry RankSector Rank
Dividend Yield 16.68%

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
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 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 2Y11.12%
EPS Next 3Y13.17%
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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GSY.CA Fundamentals: All Metrics, Ratios and Statistics

GOEASY LTD

TSX:GSY (3/13/2026, 7:00:00 PM)

35.72

+0.7 (+2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-05
Earnings (Next)03-25
Inst Owners19.73%
Inst Owner ChangeN/A
Ins Owners23.22%
Ins Owner ChangeN/A
Market Cap572.59M
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts77.14
Price Target198.29 (455.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 16.68%
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)-2.51%
PT rev (3m)-4.42%
EPS NQ rev (1m)-2.05%
EPS NQ rev (3m)-2.84%
EPS NY rev (1m)-2.09%
EPS NY rev (3m)-3.44%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.06%
Valuation
Industry RankSector Rank
PE 2.2
Fwd PE 1.73
P/S 0.35
P/FCF N/A
P/OCF N/A
P/B 0.47
P/tB 0.61
EV/EBITDA 6.66
EPS(TTM)16.21
EY45.38%
EPS(NY)20.62
Fwd EY57.73%
FCF(TTM)-41.91
FCFYN/A
OCF(TTM)-40.51
OCFYN/A
SpS103.28
BVpS76.79
TBVpS59.03
PEG (NY)N/A
PEG (5Y)0.08
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 0.92
F-Score3
WACC5.91%
ROIC/WACC1.32
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-2.98%
EPS Next 2Y11.12%
EPS Next 3Y13.17%
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 2Y12.16%
Revenue Next 3Y11.85%
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 Fundamental Analysis 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 5 / 10.


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

The Price/Earnings (PE) ratio for GOEASY LTD (GSY.CA) is 2.2 and the Price/Book (PB) ratio is 0.47.


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

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