GOEASY LTD (GSY.CA) Stock Fundamental Analysis
TSX:GSY • CA3803551074
117.5 CAD
-0.6 (-0.51%)
Last: Feb 20, 2026, 07:00 PM
Taking everything into account, GSY scores 5 out of 10 in our fundamental rating. GSY was compared to 8 industry peers in the Consumer Finance industry. GSY has an average financial health and profitability rating. GSY is growing strongly while it is still valued neutral. This is a good combination! GSY also has an excellent dividend rating.
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.
- In the past 5 years GSY reported 4 times negative operating cash flow.
1.2 Ratios
- GSY has a Return On Assets (3.75%) which is in line with its industry peers.
- 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.
- With a decent Return On Invested Capital value of 7.81%, GSY is doing good in the industry, outperforming 75.00% of the companies in the same industry.
- 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 10.56%.
| 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
- 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.
- 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.
- GSY's Operating Margin has improved in the last couple of years.
| 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
- 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 remains at a similar level compared to 1 year ago.
- GSY has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for GSY is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.08, we must say that GSY is in the distress zone and has some risk of bankruptcy.
- GSY's Altman-Z score of 1.08 is fine compared to the rest of the industry. GSY outperforms 75.00% of its industry peers.
- GSY has a Debt/Equity ratio of 3.84. This is a high value indicating a heavy dependency on external financing.
- GSY has a Debt to Equity ratio of 3.84. This is in the lower half of the industry: GSY underperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.08 |
ROIC/WACC1.15
WACC6.81%
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.
- With an excellent Current ratio value of 2.57, GSY belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
- 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.
- GSY's Quick ratio of 2.57 is amongst the best of the industry. GSY outperforms 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.57 | ||
| Quick Ratio | 2.57 |
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
- GSY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.69%.
- Measured over the past years, GSY shows a very strong growth in Revenue. The Revenue has been growing by 20.11% on average per year.
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
- Based on estimates for the next years, GSY will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.19% on average per year.
- 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- GSY is valuated cheaply with a Price/Earnings ratio of 7.25.
- 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 (26.99), we can say GSY is valued rather cheaply.
- With a Price/Forward Earnings ratio of 5.63, 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.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, GSY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.25 | ||
| Fwd PE | 5.63 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.49 |
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)0.27
EPS Next 2Y11.74%
EPS Next 3Y14.19%
5. Dividend
5.1 Amount
- GSY has a Yearly Dividend Yield of 4.94%, which is a nice return.
- GSY's Dividend Yield is rather good when compared to the industry average which is at 1.25. 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 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.94% |
5.2 History
- On average, the dividend of GSY grows each year by 30.32%, 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)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.
- 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%
TSX:GSY (2/20/2026, 7:00:00 PM)
117.5
-0.6 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-18 2026-02-18
Earnings (Next)05-05 2026-05-05
Inst Owners19.33%
Inst Owner ChangeN/A
Ins Owners23.23%
Ins Owner ChangeN/A
Market Cap1.88B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts77.14
Price Target203.39 (73.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.94% |
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)-1.97%
PT rev (3m)-4.55%
EPS NQ rev (1m)-0.45%
EPS NQ rev (3m)-5%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.25 | ||
| Fwd PE | 5.63 | ||
| P/S | 1.14 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.53 | ||
| P/tB | 1.99 | ||
| EV/EBITDA | 8.49 |
EPS(TTM)16.21
EY13.8%
EPS(NY)20.85
Fwd EY17.75%
FCF(TTM)-41.91
FCFYN/A
OCF(TTM)-40.51
OCFYN/A
SpS103.28
BVpS76.79
TBVpS59.03
PEG (NY)N/A
PEG (5Y)0.27
Graham Number167.35
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 | 1.08 |
F-Score3
WACC6.81%
ROIC/WACC1.15
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 7.25 and the Price/Book (PB) ratio is 1.53.
What is the financial health of GOEASY LTD (GSY.CA) stock?
The financial health rating of GOEASY LTD (GSY.CA) is 4 / 10.