GOEASY LTD (GSY.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:GSY • CA3803551074

129.02 CAD
+2.54 (+2.01%)
Last: Feb 4, 2026, 07:00 PM
Fundamental Rating

5

Overall GSY gets a fundamental rating of 5 out of 10. We evaluated GSY against 8 industry peers in the Consumer Finance industry. GSY has an average financial health and profitability rating. GSY is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! Finally 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.
  • In the past 5 years GSY has always 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

  • GSY has a Return On Assets of 3.75%. This is comparable to the rest of the industry: GSY outperforms 50.00% of its industry peers.
  • The Return On Equity of GSY (18.92%) is better than 75.00% of its industry peers.
  • GSY has a Return On Invested Capital of 7.81%. This is in the better half of the industry: GSY outperforms 75.00% of its industry peers.
  • GSY had an Average Return On Invested Capital over the past 3 years of 8.63%. This is in line with the industry average of 10.55%.
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

  • 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 Operating Margin of 38.49%. This is amongst the best in the industry. GSY outperforms 100.00% of its industry peers.
  • GSY's Operating Margin has improved in the last couple of years.
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

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so GSY is still creating some value.
  • The number of shares outstanding for GSY remains at a similar level compared to 1 year ago.
  • GSY has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, GSY has a worse debt to assets ratio.
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 1.10, we must say that GSY is in the distress zone and has some risk of bankruptcy.
  • GSY's Altman-Z score of 1.10 is fine compared to the rest of the industry. GSY outperforms 75.00% of its industry peers.
  • A Debt/Equity ratio of 3.84 is on the high side and indicates that GSY has dependencies on debt 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 1.1
ROIC/WACC1.13
WACC6.93%
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

  • 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.
  • 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.
  • With an excellent Quick ratio value of 2.57, GSY belongs to the best 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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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%.
  • 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.
  • 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

  • GSY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.19% yearly.
  • 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-0.92%
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.
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

  • GSY is valuated cheaply with a Price/Earnings ratio of 7.96.
  • 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 (27.67), we can say GSY is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.19, which indicates a rather cheap valuation of GSY.
  • 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 27.20.
Industry RankSector Rank
PE 7.96
Fwd PE 6.19
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

  • 62.50% of the companies in the same industry are more expensive than GSY, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.75
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

  • A more expensive valuation may be justified as GSY's earnings are expected to grow with 14.19% in the coming years.
PEG (NY)N/A
PEG (5Y)0.3
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 4.65%, which is a nice return.
  • GSY's Dividend Yield is rather good when compared to the industry average which is at 1.13. GSY pays more dividend than 100.00% of the companies 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 4.65%

5.2 History

  • The dividend of GSY is nicely growing with an annual growth rate of 30.32%!
  • 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)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.
  • 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%
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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GOEASY LTD

TSX:GSY (2/4/2026, 7:00:00 PM)

129.02

+2.54 (+2.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-05
Earnings (Next)02-18
Inst Owners19.33%
Inst Owner ChangeN/A
Ins Owners23.23%
Ins Owner ChangeN/A
Market Cap2.07B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts78.57
Price Target207.47 (60.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.65%
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)0%
PT rev (3m)-13.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.93%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-6.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.29%
Valuation
Industry RankSector Rank
PE 7.96
Fwd PE 6.19
P/S 1.25
P/FCF N/A
P/OCF N/A
P/B 1.68
P/tB 2.19
EV/EBITDA 8.75
EPS(TTM)16.21
EY12.56%
EPS(NY)20.85
Fwd EY16.16%
FCF(TTM)-41.83
FCFYN/A
OCF(TTM)-40.43
OCFYN/A
SpS103.09
BVpS76.64
TBVpS58.92
PEG (NY)N/A
PEG (5Y)0.3
Graham Number167.19
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 1.1
F-Score3
WACC6.93%
ROIC/WACC1.13
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 2Y12.36%
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 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 7.96 and the Price/Book (PB) ratio is 1.68.


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

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