GOEASY LTD (GSY.CA) Fundamental Analysis & Valuation
TSX:GSY • CA3803551074
Current stock price
31.66 CAD
-0.29 (-0.91%)
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
- GSY had positive earnings in the past year.
- GSY had a negative operating cash flow in the past year.
- 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
- GSY has a Return On Assets (-3.10%) which is comparable to the rest of the industry.
- GSY's Return On Equity of -20.97% is on the low side compared to the rest of the industry. GSY is outperformed by 71.43% of its industry peers.
- GSY's Return On Invested Capital of 4.60% is fine compared to the rest of the industry. GSY outperforms 71.43% of its industry peers.
- GSY had an Average Return On Invested Capital over the past 3 years of 7.32%. This is in line with the industry average of 9.22%.
| 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
- GSY has a better Operating Margin (20.50%) than 85.71% of its industry peers.
- In the last couple of years the Operating Margin of GSY has declined.
- 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.
- The number of shares outstanding for GSY has been reduced compared to 1 year ago.
- GSY has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, GSY has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.63, we must say that GSY is in the distress zone and has some risk of bankruptcy.
- With a decent Altman-Z score value of 0.63, GSY is doing good in the industry, outperforming 71.43% of the companies in the same industry.
- GSY has a Debt/Equity ratio of 5.44. This is a high value indicating a heavy dependency on external financing.
- GSY's Debt to Equity ratio of 5.44 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 | ||
|---|---|---|---|
| Debt/Equity | 5.44 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.63 |
ROIC/WACC0.78
WACC5.88%
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%.
- The earnings per share for GSY have been decreasing by -17.78% on average. This is quite bad
- Looking at the last year, GSY shows a quite strong growth in Revenue. The Revenue has grown by 11.39% in the last year.
- The Revenue has been growing by 21.05% on average over the past years. This is a very strong growth!
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
- The Earnings Per Share is expected to grow by 89.54% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 0.74% on average over the next years.
EPS Next Y100.43%
EPS Next 2Y89.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.3%
Revenue Next 2Y0.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- A Price/Earnings ratio of 11.19 indicates a reasonable valuation of GSY.
- GSY's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.42, GSY is valued rather cheaply.
- The Price/Forward Earnings ratio is 5.58, which indicates a rather cheap valuation of GSY.
- GSY's Price/Forward Earnings ratio is rather cheap when compared to the industry. GSY is cheaper than 85.71% of the companies in the same industry.
- GSY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 5.58 |
4.2 Price Multiples
- GSY's Enterprise Value to EBITDA is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.17 |
4.3 Compensation for Growth
- GSY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- GSY's earnings are expected to grow with 89.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y89.54%
EPS Next 3YN/A
5. GSY.CA Dividend Analysis
5.1 Amount
- GSY has a Yearly Dividend Yield of 13.83%, which is a nice return.
- In the last 3 months the price of GSY has falen by -75.49%. 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 2.73. GSY pays more dividend than 100.00% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.81, GSY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.83% |
5.2 History
- On average, the dividend of GSY grows each year by 26.62%, which is quite nice.
- GSY has been paying a dividend for at least 10 years, so it has 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
- GSY has negative earnings and hence a negative payout ratio. The dividend may be in danger.
- The dividend of GSY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-48.96%
EPS Next 2Y89.54%
EPS Next 3YN/A
GSY.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:GSY (4/24/2026, 7:00:00 PM)
31.66
-0.29 (-0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-30 2026-03-30/amc
Earnings (Next)05-12 2026-05-12
Inst Owners20.03%
Inst Owner ChangeN/A
Ins Owners23.22%
Ins Owner ChangeN/A
Market Cap507.51M
Revenue(TTM)1.70B
Net Income(TTM)-178.37M
Analysts70
Price Target63.24 (99.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.83% |
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)-68.11%
PT rev (3m)-69.52%
EPS NQ rev (1m)-141.31%
EPS NQ rev (3m)-115.23%
EPS NY rev (1m)-72.49%
EPS NY rev (3m)-72.8%
Revenue NQ rev (1m)-5.78%
Revenue NQ rev (3m)-9.08%
Revenue NY rev (1m)-14.4%
Revenue NY rev (3m)-14.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 5.58 | ||
| P/S | 0.3 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.6 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | 11.17 |
EPS(TTM)2.83
EY8.94%
EPS(NY)5.67
Fwd EY17.92%
FCF(TTM)-54.7
FCFYN/A
OCF(TTM)-53.31
OCFYN/A
SpS105.85
BVpS53.05
TBVpS45.23
PEG (NY)0.11
PEG (5Y)N/A
Graham Number58.1212 (83.58%)
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 | 0.63 |
F-Score2
WACC5.88%
ROIC/WACC0.78
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 Y100.43%
EPS Next 2Y89.54%
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-2.3%
Revenue Next 2Y0.74%
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 4 / 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 3 / 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%.