GOEASY LTD (GSY.CA) Fundamental Analysis & Valuation

TSX:GSY • CA3803551074

Current stock price

36.37 CAD
-1.83 (-4.79%)
Last:

This GSY.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. GSY.CA Profitability Analysis

1.1 Basic Checks

  • GSY had positive earnings in the past year.
  • GSY had a negative operating cash flow in the past year.
  • In the past 5 years GSY has always been profitable.
  • In the past 5 years GSY reported 4 times negative operating cash flow.
GSY.CA Yearly Net Income VS EBIT VS OCF VS FCFGSY.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

1.2 Ratios

  • With a decent Return On Assets value of 3.75%, GSY is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 18.92%, GSY is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 7.81%, GSY is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for GSY is in line with the industry average of 10.17%.
Industry RankSector 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%
GSY.CA Yearly ROA, ROE, ROICGSY.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • GSY's Profit Margin of 14.07% is amongst the best of the industry. GSY outperforms 100.00% of its industry peers.
  • In the last couple of years the Profit Margin of GSY has grown nicely.
  • 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.
  • GSY's Operating Margin has improved in the last couple of years.
Industry RankSector 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
GSY.CA Yearly Profit, Operating, Gross MarginsGSY.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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4

2. GSY.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), GSY is creating some value.
  • Compared to 1 year ago, GSY has about the same amount of shares outstanding.
  • Compared to 5 years ago, GSY has more shares outstanding
  • GSY has a worse debt/assets ratio than last year.
GSY.CA Yearly Shares OutstandingGSY.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
GSY.CA Yearly Total Debt VS Total AssetsGSY.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • Based on the Altman-Z score of 0.92, we must say that GSY is in the distress zone and has some risk of bankruptcy.
  • GSY has a better Altman-Z score (0.92) than 71.43% 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 71.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.84
Debt/FCF N/A
Altman-Z 0.92
ROIC/WACC1.32
WACC5.92%
GSY.CA Yearly LT Debt VS Equity VS FCFGSY.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

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.
  • GSY's Current ratio of 2.57 is amongst the best of the industry. GSY outperforms 85.71% 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 85.71% of its industry peers.
Industry RankSector Rank
Current Ratio 2.57
Quick Ratio 2.57
GSY.CA Yearly Current Assets VS Current LiabilitesGSY.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. GSY.CA Growth Analysis

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
  • 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

  • The Earnings Per Share is expected to grow by 13.17% on average over the next years. This is quite good.
  • GSY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.85% yearly.
EPS Next Y-2.98%
EPS Next 2Y11.12%
EPS Next 3Y13.17%
EPS Next 5YN/A
Revenue Next Year12.05%
Revenue Next 2Y12.16%
Revenue Next 3Y11.85%
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.
GSY.CA Yearly Revenue VS EstimatesGSY.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
GSY.CA Yearly EPS VS EstimatesGSY.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

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6

4. GSY.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • GSY is valuated cheaply with a Price/Earnings ratio of 2.24.
  • GSY's Price/Earnings ratio is rather cheap when compared to the industry. GSY is cheaper than 85.71% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of GSY to the average of the S&P500 Index (24.75), we can say GSY is valued rather cheaply.
  • A Price/Forward Earnings ratio of 1.76 indicates a rather cheap valuation of GSY.
  • Based on the Price/Forward Earnings ratio, GSY is valued cheaper than 85.71% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, GSY is valued rather cheaply.
Industry RankSector Rank
PE 2.24
Fwd PE 1.76
GSY.CA Price Earnings VS Forward Price EarningsGSY.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, GSY is valued a bit cheaper than 71.43% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.68
GSY.CA Per share dataGSY.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100

4.3 Compensation for Growth

  • The decent profitability rating of GSY may justify a higher PE ratio.
  • A more expensive valuation may be justified as GSY's earnings are expected to grow with 13.17% in the coming years.
PEG (NY)N/A
PEG (5Y)0.08
EPS Next 2Y11.12%
EPS Next 3Y13.17%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. GSY.CA Dividend Analysis

5.1 Amount

  • GSY has a Yearly Dividend Yield of 12.03%, which is a nice return.
  • In the last 3 months the price of GSY has falen by -72.25%. 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 2.62. 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 1.89.
Industry RankSector Rank
Dividend Yield 12.03%

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
GSY.CA Yearly Dividends per shareGSY.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

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 2Y11.12%
EPS Next 3Y13.17%
GSY.CA Yearly Income VS Free CF VS DividendGSY.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M
GSY.CA Dividend Payout.GSY.CA Dividend Payout, showing the Payout Ratio.GSY.CA Dividend Payout.PayoutRetained Earnings

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GSY.CA Fundamentals: All Metrics, Ratios and Statistics

GOEASY LTD

TSX:GSY (3/30/2026, 7:00:00 PM)

36.37

-1.83 (-4.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-05
Earnings (Next)03-31
Inst Owners19.73%
Inst Owner ChangeN/A
Ins Owners23.22%
Ins Owner ChangeN/A
Market Cap583.01M
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts77.14
Price Target97.31 (167.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 12.03%
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)-50.93%
PT rev (3m)-53.1%
EPS NQ rev (1m)-174.7%
EPS NQ rev (3m)-174.33%
EPS NY rev (1m)-2.09%
EPS NY rev (3m)-2.29%
Revenue NQ rev (1m)-7.06%
Revenue NQ rev (3m)-7.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 2.24
Fwd PE 1.76
P/S 0.35
P/FCF N/A
P/OCF N/A
P/B 0.47
P/tB 0.62
EV/EBITDA 6.68
EPS(TTM)16.21
EY44.57%
EPS(NY)20.62
Fwd EY56.7%
FCF(TTM)-41.91
FCFYN/A
OCF(TTM)-40.51
OCFYN/A
SpS103.28
BVpS76.79
TBVpS59.03
PEG (NY)N/A
PEG (5Y)0.08
Graham Number167.35
Profitability
Industry RankSector 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 RankSector 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 0.92
F-Score3
WACC5.92%
ROIC/WACC1.32
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-2.98%
EPS Next 2Y11.12%
EPS Next 3Y13.17%
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 2Y12.16%
Revenue Next 3Y11.85%
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 Fundamental Analysis 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 2.24 and the Price/Book (PB) ratio is 0.47.


What is the financial health of GOEASY LTD (GSY.CA) stock?

The financial health rating of GOEASY LTD (GSY.CA) is 4 / 10.