GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GSY - CA3803551074 - Common Stock
129.6 CAD
+0.16 (+0.12%)
Overall GSY gets a fundamental rating of 6 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 not priced too expensively while it is growing strongly. Keep and eye on this one! 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.
- GSY had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- GSY has a Return On Assets of 3.75%. This is in the better half of the industry: GSY outperforms 62.50% of its industry peers.
- The Return On Equity of GSY (18.92%) is better than 75.00% of its industry peers.
- 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.
- The Average Return On Invested Capital over the past 3 years for GSY is in line with the industry average of 8.74%.
| 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
- With an excellent Profit Margin value of 14.07%, GSY belongs to the best 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.
- Looking at the Operating Margin, with a value of 38.49%, 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 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
- GSY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- GSY has about the same amout of shares outstanding than it did 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
- GSY has an Altman-Z score of 1.10. This is a bad value and indicates that GSY is not financially healthy and even has some risk of bankruptcy.
- GSY has a Altman-Z score of 1.10. This is in the better half 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 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 | 1.1 |
ROIC/WACC1.12
WACC7%
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.
- 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 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
- Looking at the last year, GSY shows a quite strong growth in Revenue. The Revenue has grown by 13.69% in the last year.
- 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.
- Based on estimates for the next years, GSY will show a quite strong growth in Revenue. The Revenue will grow by 12.20% on average per year.
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
- Based on the Price/Earnings ratio of 8.00, the valuation of GSY can be described as very cheap.
- Based on the Price/Earnings ratio, GSY is valued a bit cheaper than 62.50% of the companies in the same industry.
- GSY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
- GSY is valuated cheaply with a Price/Forward Earnings ratio of 6.22.
- 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 24.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8 | ||
| Fwd PE | 6.22 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GSY indicates a somewhat cheap valuation: GSY is cheaper than 62.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.76 |
4.3 Compensation for Growth
- GSY has a very decent profitability rating, which may justify a higher PE ratio.
- 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%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.37%, GSY is a good candidate for dividend investing.
- In the last 3 months the price of GSY has falen by -22.24%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
- GSY's Dividend Yield is rather good when compared to the industry average which is at 1.11. 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.37% |
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 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.
- 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%
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 and the Price/Book (PB) ratio is 1.69.
What is the financial health of GOEASY LTD (GSY.CA) stock?
The financial health rating of GOEASY LTD (GSY.CA) is 4 / 10.