GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - TSX:GSY - CA3803551074 - Common Stock
122.95 CAD
-0.46 (-0.37%)
GSY gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 6 industry peers in the Consumer Finance industry. GSY has only an average score on both its financial health and profitability. 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
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.75%, GSY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
The Return On Equity of GSY (18.92%) is better than 66.67% of its industry peers.
GSY has a better Return On Invested Capital (7.81%) than 66.67% of its industry peers.
GSY had an Average Return On Invested Capital over the past 3 years of 8.63%. This is below the industry average of 10.69%.
| 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
GSY has a better Profit Margin (14.07%) than 83.33% 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.
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so GSY is still 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
Based on the Altman-Z score of 1.09, we must say that GSY is in the distress zone and has some risk of bankruptcy.
GSY has a Altman-Z score of 1.09. This is in the better half of the industry: GSY outperforms 66.67% 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.
The Debt to Equity ratio of GSY (3.84) is worse than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.09 |
ROIC/WACC0.94
WACC8.27%
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.
The Current ratio of GSY (2.57) is better than 83.33% of its industry peers.
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 has a Quick ratio of 2.57. This is amongst the best in the industry. GSY outperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.57 | ||
| Quick Ratio | 2.57 |
3. Growth
3.1 Past
GSY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.61%, which is quite good.
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)17.61%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-58.84%
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 16.85% on average over the next years. This is quite good.
The Revenue is expected to grow by 12.46% on average over the next years. This is quite good.
EPS Next Y6.34%
EPS Next 2Y15.78%
EPS Next 3Y16.85%
EPS Next 5YN/A
Revenue Next Year12.38%
Revenue Next 2Y12.97%
Revenue Next 3Y12.46%
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
The Price/Earnings ratio is 7.36, which indicates a rather cheap valuation of GSY.
83.33% of the companies in the same industry are more expensive than GSY, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.89, GSY is valued rather cheaply.
A Price/Forward Earnings ratio of 5.49 indicates a rather cheap valuation of GSY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GSY indicates a rather cheap valuation: GSY is cheaper than 83.33% of the companies listed in the same industry.
GSY is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.36 | ||
| Fwd PE | 5.49 |
4.2 Price Multiples
GSY's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GSY is cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.62 |
4.3 Compensation for Growth
GSY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
GSY's earnings are expected to grow with 16.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.16
PEG (5Y)0.28
EPS Next 2Y15.78%
EPS Next 3Y16.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.73%, GSY is a good candidate for dividend investing.
The stock price of GSY dropped by -39.83% 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.
Compared to an average industry Dividend Yield of 4.29, GSY pays a better dividend. On top of this GSY pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, GSY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.73% |
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
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 2Y15.78%
EPS Next 3Y16.85%
TSX:GSY (11/14/2025, 7:00:00 PM)
122.95
-0.46 (-0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners16.66%
Inst Owner ChangeN/A
Ins Owners23.11%
Ins Owner ChangeN/A
Market Cap1.98B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts80
Price Target239.39 (94.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.73% |
Yearly Dividend4.37
Dividend Growth(5Y)30.32%
DP36%
Div Incr Years10
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)1.54%
Min Revenue beat(2)1.52%
Max Revenue beat(2)1.56%
Revenue beat(4)3
Avg Revenue beat(4)0.11%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)1.56%
Revenue beat(8)7
Avg Revenue beat(8)0.79%
Revenue beat(12)9
Avg Revenue beat(12)0.45%
Revenue beat(16)11
Avg Revenue beat(16)0.35%
PT rev (1m)-1.89%
PT rev (3m)3.39%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)-0.29%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-10.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.36 | ||
| Fwd PE | 5.49 | ||
| P/S | 1.19 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.61 | ||
| P/tB | 2.09 | ||
| EV/EBITDA | 8.62 |
EPS(TTM)16.7
EY13.58%
EPS(NY)22.38
Fwd EY18.21%
FCF(TTM)-41.75
FCFYN/A
OCF(TTM)-40.36
OCFYN/A
SpS102.89
BVpS76.5
TBVpS58.81
PEG (NY)1.16
PEG (5Y)0.28
Graham Number169.54
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 | 1.09 |
F-Score3
WACC8.27%
ROIC/WACC0.94
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)17.61%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%-58.84%
EPS Next Y6.34%
EPS Next 2Y15.78%
EPS Next 3Y16.85%
EPS Next 5YN/A
Revenue 1Y (TTM)13.69%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%11.44%
Revenue Next Year12.38%
Revenue Next 2Y12.97%
Revenue Next 3Y12.46%
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.
Can you provide the valuation status for GOEASY LTD?
ChartMill assigns a valuation rating of 7 / 10 to GOEASY LTD (GSY.CA). This can be considered as Undervalued.
Can you provide the profitability details for GOEASY LTD?
GOEASY LTD (GSY.CA) has a profitability rating of 6 / 10.
What are the PE and PB ratios of GOEASY LTD (GSY.CA) stock?
The Price/Earnings (PE) ratio for GOEASY LTD (GSY.CA) is 7.36 and the Price/Book (PB) ratio is 1.61.
Is the dividend of GOEASY LTD sustainable?
The dividend rating of GOEASY LTD (GSY.CA) is 8 / 10 and the dividend payout ratio is 36%.