GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - TSX:GSY - CA3803551074 - Common Stock
208.48 CAD
-0.72 (-0.34%)
GSY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 6 industry peers in the Consumer Finance industry. There are concerns on the financial health of GSY while its profitability can be described as average. GSY is not overvalued while it is showing excellent growth. This is an interesting combination. Finally GSY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GSY was profitable.
GSY had a negative operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 5.06%, GSY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
GSY has a Return On Equity of 23.48%. This is in the better half of the industry: GSY outperforms 66.67% of its industry peers.
The Return On Invested Capital of GSY (8.50%) is better than 83.33% 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 10.16%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.06% | ||
| ROE | 23.48% | ||
| ROIC | 8.5% |
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
GSY has a better Profit Margin (17.81%) than 83.33% of its industry peers.
In the last couple of years the Profit Margin of GSY has grown nicely.
GSY has a better Operating Margin (39.46%) than 100.00% of its industry peers.
GSY's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 39.46% | ||
| PM (TTM) | 17.81% | ||
| 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 below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for GSY remains at a similar level compared to 1 year ago.
The number of shares outstanding for GSY has been increased compared to 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 1.30, we must say that GSY is in the distress zone and has some risk of bankruptcy.
GSY has a better Altman-Z score (1.30) than 66.67% of its industry peers.
A Debt/Equity ratio of 3.41 is on the high side and indicates that GSY has dependencies on debt financing.
GSY has a Debt to Equity ratio of 3.41. This is amonst the worse of the industry: GSY underperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.3 |
ROIC/WACC0.87
WACC9.76%
2.3 Liquidity
GSY has a Current Ratio of 0.86. This is a bad value and indicates that GSY is not financially healthy enough and could expect problems in meeting its short term obligations.
GSY's Current ratio of 0.86 is on the low side compared to the rest of the industry. GSY is outperformed by 66.67% of its industry peers.
GSY has a Quick Ratio of 0.86. This is a bad value and indicates that GSY is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.86, GSY is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 |
3. Growth
3.1 Past
GSY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.19%.
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.
Looking at the last year, GSY shows a quite strong growth in Revenue. The Revenue has grown by 14.61% in the last year.
GSY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.11% yearly.
EPS 1Y (TTM)4.19%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%0.24%
Revenue 1Y (TTM)14.61%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%10.44%
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 17.28% on average per year.
GSY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.47% yearly.
EPS Next Y5.86%
EPS Next 2Y15.53%
EPS Next 3Y17.28%
EPS Next 5YN/A
Revenue Next Year12.31%
Revenue Next 2Y12.94%
Revenue Next 3Y12.47%
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.
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
A Price/Earnings ratio of 12.70 indicates a correct valuation of GSY.
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 27.20, which is the current average of the S&P500 Index.
GSY is valuated reasonably with a Price/Forward Earnings ratio of 9.35.
Based on the Price/Forward Earnings ratio, GSY is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of GSY to the average of the S&P500 Index (22.70), we can say GSY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.7 | ||
| Fwd PE | 9.35 |
4.2 Price Multiples
83.33% of the companies in the same industry are more expensive than GSY, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.9 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
GSY has a very decent profitability rating, which may justify a higher PE ratio.
GSY's earnings are expected to grow with 17.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.17
PEG (5Y)0.48
EPS Next 2Y15.53%
EPS Next 3Y17.28%
5. Dividend
5.1 Amount
GSY has a Yearly Dividend Yield of 2.80%.
GSY's Dividend Yield is rather good when compared to the industry average which is at 2.56. GSY pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, GSY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.8% |
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 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
GSY pays out 28.16% 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.
DP28.16%
EPS Next 2Y15.53%
EPS Next 3Y17.28%
TSX:GSY (9/16/2025, 7:00:00 PM)
208.48
-0.72 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners17.63%
Inst Owner ChangeN/A
Ins Owners23.14%
Ins Owner ChangeN/A
Market Cap3.35B
Analysts80
Price Target245.14 (17.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.8% |
Yearly Dividend4.37
Dividend Growth(5Y)30.32%
DP28.16%
Div Incr Years10
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.09%
Min EPS beat(2)-18.42%
Max EPS beat(2)0.23%
EPS beat(4)2
Avg EPS beat(4)-3.85%
Min EPS beat(4)-18.42%
Max EPS beat(4)3.12%
EPS beat(8)5
Avg EPS beat(8)-0.62%
EPS beat(12)9
Avg EPS beat(12)0.55%
EPS beat(16)11
Avg EPS beat(16)0.32%
Revenue beat(2)1
Avg Revenue beat(2)-0.63%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)1.52%
Revenue beat(4)3
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)1.52%
Revenue beat(8)6
Avg Revenue beat(8)0.56%
Revenue beat(12)8
Avg Revenue beat(12)0.27%
Revenue beat(16)10
Avg Revenue beat(16)0.19%
PT rev (1m)5.87%
PT rev (3m)13.74%
EPS NQ rev (1m)-0.83%
EPS NQ rev (3m)-10.38%
EPS NY rev (1m)-11.3%
EPS NY rev (3m)-11.3%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.13%
Revenue NY rev (3m)0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.7 | ||
| Fwd PE | 9.35 | ||
| P/S | 2.1 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.77 | ||
| P/tB | 3.62 | ||
| EV/EBITDA | 9.9 |
EPS(TTM)16.41
EY7.87%
EPS(NY)22.29
Fwd EY10.69%
FCF(TTM)-37.61
FCFYN/A
OCF(TTM)-36.32
OCFYN/A
SpS99.35
BVpS75.35
TBVpS57.54
PEG (NY)2.17
PEG (5Y)0.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.06% | ||
| ROE | 23.48% | ||
| ROCE | 11.97% | ||
| ROIC | 8.5% | ||
| ROICexc | 8.92% | ||
| ROICexgc | 9.51% | ||
| OM | 39.46% | ||
| PM (TTM) | 17.81% | ||
| 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%
ROICexcg growth 3Y0.49%
ROICexcg 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 Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 5.8 | ||
| Cap/Depr | 25.04% | ||
| Cap/Sales | 1.3% | ||
| Interest Coverage | 2.74 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 | ||
| Altman-Z | 1.3 |
F-Score3
WACC9.76%
ROIC/WACC0.87
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)4.19%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%0.24%
EPS Next Y5.86%
EPS Next 2Y15.53%
EPS Next 3Y17.28%
EPS Next 5YN/A
Revenue 1Y (TTM)14.61%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%10.44%
Revenue Next Year12.31%
Revenue Next 2Y12.94%
Revenue Next 3Y12.47%
Revenue Next 5YN/A
EBIT growth 1Y14.96%
EBIT growth 3Y29.46%
EBIT growth 5Y29.28%
EBIT Next Year17.85%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-14.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-14.54%
OCF growth 3YN/A
OCF growth 5YN/A