GOEASY LTD (GSY.CA) Fundamental Analysis & Valuation
TSX:GSY • CA3803551074
Current stock price
35.11 CAD
+0.24 (+0.69%)
Last:
This GSY.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. GSY.CA Profitability Analysis
1.1 Basic Checks
- In the past year GSY was profitable.
- In the past year GSY has reported a negative cash flow from operations.
- Of the past 5 years GSY 4 years were profitable.
- GSY had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of -3.10%, GSY is in line with its industry, outperforming 57.14% of the companies in the same industry.
- With a Return On Equity value of -20.97%, GSY is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
- GSY has a better Return On Invested Capital (4.60%) than 71.43% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for GSY is below the industry average of 9.37%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.1% | ||
| ROE | -20.97% | ||
| ROIC | 4.6% |
ROA(3y)2.64%
ROA(5y)4.32%
ROE(3y)8.3%
ROE(5y)14.4%
ROIC(3y)7.32%
ROIC(5y)7.66%
1.3 Margins
- With an excellent Operating Margin value of 20.50%, GSY belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
- GSY's Operating Margin has declined in the last couple of years.
- GSY does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.5% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y-16.03%
OM growth 5Y-9.16%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. GSY.CA Health Analysis
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.
- Compared to 1 year ago, GSY has less shares outstanding
- The number of shares outstanding for GSY has been increased compared to 5 years ago.
- GSY has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.64, we must say that GSY is in the distress zone and has some risk of bankruptcy.
- GSY's Altman-Z score of 0.64 is fine compared to the rest of the industry. GSY outperforms 71.43% of its industry peers.
- GSY has a Debt/Equity ratio of 5.44. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of GSY (5.44) is worse than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.44 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.64 |
ROIC/WACC0.77
WACC5.97%
2.3 Liquidity
- GSY has a Current Ratio of 0.73. This is a bad value and indicates that GSY is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Current ratio of GSY (0.73) is worse than 71.43% of its industry peers.
- A Quick Ratio of 0.73 indicates that GSY may have some problems paying its short term obligations.
- GSY's Quick ratio of 0.73 is on the low side compared to the rest of the industry. GSY is outperformed by 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.73 | ||
| Quick Ratio | 0.73 |
3. GSY.CA Growth Analysis
3.1 Past
- GSY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -83.05%.
- Measured over the past years, GSY shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -17.78% on average per year.
- GSY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.39%.
- GSY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.05% yearly.
EPS 1Y (TTM)-83.05%
EPS 3Y-37.42%
EPS 5Y-17.78%
EPS Q2Q%-300.67%
Revenue 1Y (TTM)11.39%
Revenue growth 3Y18.51%
Revenue growth 5Y21.05%
Sales Q2Q%0.47%
3.2 Future
- Based on estimates for the next years, GSY will show a very strong growth in Earnings Per Share. The EPS will grow by 192.44% on average per year.
- The Revenue is expected to grow by 0.53% on average over the next years.
EPS Next Y628.63%
EPS Next 2Y192.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.53%
Revenue Next 2Y0.53%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. GSY.CA Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.41, which indicates a correct valuation of GSY.
- Compared to the rest of the industry, the Price/Earnings ratio of GSY is on the same level as its industry peers.
- GSY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.21.
- The Price/Forward Earnings ratio is 1.70, which 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 85.71% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of GSY to the average of the S&P500 Index (23.13), we can say GSY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 1.7 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GSY is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.29 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as GSY's earnings are expected to grow with 192.44% in the coming years.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y192.44%
EPS Next 3YN/A
5. GSY.CA Dividend Analysis
5.1 Amount
- GSY has a Yearly Dividend Yield of 12.56%, which is a nice return.
- In the last 3 months the price of GSY has falen by -74.69%. 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 2.71. GSY pays more dividend than 100.00% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.89, GSY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.56% |
5.2 History
- On average, the dividend of GSY grows each year by 26.62%, 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)26.62%
Div Incr Years11
Div Non Decr Years21
5.3 Sustainability
- The earnings of GSY are negative and hence is the payout ratio. GSY will probably not be able to sustain this dividend level.
- GSY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-48.96%
EPS Next 2Y192.44%
EPS Next 3YN/A
GSY.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:GSY (4/6/2026, 7:00:00 PM)
35.11
+0.24 (+0.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-30 2026-03-30/amc
Earnings (Next)05-05 2026-05-05
Inst Owners19.73%
Inst Owner ChangeN/A
Ins Owners23.22%
Ins Owner ChangeN/A
Market Cap562.81M
Revenue(TTM)1.70B
Net Income(TTM)-178.37M
Analysts70
Price Target97.31 (177.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.56% |
Yearly Dividend5.35
Dividend Growth(5Y)26.62%
DP-48.96%
Div Incr Years11
Div Non Decr Years21
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-68.99%
Min EPS beat(2)-125.42%
Max EPS beat(2)-12.56%
EPS beat(4)1
Avg EPS beat(4)-39.04%
Min EPS beat(4)-125.42%
Max EPS beat(4)0.23%
EPS beat(8)3
Avg EPS beat(8)-19.11%
EPS beat(12)7
Avg EPS beat(12)-11.69%
EPS beat(16)10
Avg EPS beat(16)-8.36%
Revenue beat(2)1
Avg Revenue beat(2)-1.22%
Min Revenue beat(2)-4.02%
Max Revenue beat(2)1.58%
Revenue beat(4)2
Avg Revenue beat(4)-0.92%
Min Revenue beat(4)-4.02%
Max Revenue beat(4)1.58%
Revenue beat(8)6
Avg Revenue beat(8)-0.27%
Revenue beat(12)9
Avg Revenue beat(12)0.22%
Revenue beat(16)10
Avg Revenue beat(16)0.01%
PT rev (1m)-50.93%
PT rev (3m)-53.1%
EPS NQ rev (1m)-86.72%
EPS NQ rev (3m)-86.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.11%
Revenue NQ rev (1m)-9.08%
Revenue NQ rev (3m)-9.08%
Revenue NY rev (1m)-12.84%
Revenue NY rev (3m)-13.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 1.7 | ||
| P/S | 0.33 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.66 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | 11.29 |
EPS(TTM)2.83
EY8.06%
EPS(NY)20.62
Fwd EY58.73%
FCF(TTM)-54.7
FCFYN/A
OCF(TTM)-53.31
OCFYN/A
SpS105.85
BVpS53.05
TBVpS45.23
PEG (NY)0.02
PEG (5Y)N/A
Graham Number58.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.1% | ||
| ROE | -20.97% | ||
| ROCE | 6.5% | ||
| ROIC | 4.6% | ||
| ROICexc | 4.73% | ||
| ROICexgc | 4.89% | ||
| OM | 20.5% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)2.64%
ROA(5y)4.32%
ROE(3y)8.3%
ROE(5y)14.4%
ROIC(3y)7.32%
ROIC(5y)7.66%
ROICexc(3y)7.63%
ROICexc(5y)7.95%
ROICexgc(3y)8.24%
ROICexgc(5y)8.87%
ROCE(3y)10.31%
ROCE(5y)10.76%
ROICexgc growth 3Y-19.49%
ROICexgc growth 5Y-17.08%
ROICexc growth 3Y-16.84%
ROICexc growth 5Y-16.85%
OM growth 3Y-16.03%
OM growth 5Y-9.16%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.44 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 10.75 | ||
| Cap/Depr | 27.01% | ||
| Cap/Sales | 1.31% | ||
| Interest Coverage | 1.28 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.73 | ||
| Quick Ratio | 0.73 | ||
| Altman-Z | 0.64 |
F-Score2
WACC5.97%
ROIC/WACC0.77
Cap/Depr(3y)23.32%
Cap/Depr(5y)27.81%
Cap/Sales(3y)1.32%
Cap/Sales(5y)2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-83.05%
EPS 3Y-37.42%
EPS 5Y-17.78%
EPS Q2Q%-300.67%
EPS Next Y628.63%
EPS Next 2Y192.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.39%
Revenue growth 3Y18.51%
Revenue growth 5Y21.05%
Sales Q2Q%0.47%
Revenue Next Year-0.53%
Revenue Next 2Y0.53%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-42.93%
EBIT growth 3Y-0.48%
EBIT growth 5Y9.96%
EBIT Next Year116.78%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-78.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-80.57%
OCF growth 3YN/A
OCF growth 5YN/A
GOEASY LTD / GSY.CA Fundamental Analysis FAQ
Can you provide the ChartMill fundamental rating for GOEASY LTD?
ChartMill assigns a fundamental rating of 3 / 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.
What is the profitability of GSY stock?
GOEASY LTD (GSY.CA) has a profitability rating of 2 / 10.
What is the financial health of GOEASY LTD (GSY.CA) stock?
The financial health rating of GOEASY LTD (GSY.CA) is 1 / 10.
How sustainable is the dividend of GOEASY LTD (GSY.CA) stock?
The dividend rating of GOEASY LTD (GSY.CA) is 8 / 10 and the dividend payout ratio is -48.96%.