GOEASY LTD (GSY.CA) Stock Fundamental Analysis
TSX:GSY • CA3803551074
121.58 CAD
+0.28 (+0.23%)
Last: Feb 13, 2026, 07:00 PM
Overall GSY gets a fundamental rating of 5 out of 10. We evaluated GSY against 8 industry peers in the Consumer Finance industry. GSY has only an average score on both its financial health and profitability. GSY is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! GSY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- GSY had positive earnings in the past year.
- In the past year GSY has reported a negative cash flow from operations.
- Each year in the past 5 years GSY has been profitable.
- In the past 5 years GSY reported 4 times negative operating cash flow.
1.2 Ratios
- GSY's Return On Assets of 3.75% is in line compared to the rest of the industry. GSY outperforms 50.00% of its industry peers.
- The Return On Equity of GSY (18.92%) is better than 75.00% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 7.81%, GSY is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
- GSY had an Average Return On Invested Capital over the past 3 years of 8.63%. This is in line with the industry average of 10.54%.
| 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's Profit Margin of 14.07% is amongst the best of the industry. GSY outperforms 100.00% of its industry peers.
- GSY's Profit Margin has improved in the last couple of years.
- The Operating Margin of GSY (38.49%) is better than 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
- GSY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- The number of shares outstanding for GSY remains at a similar level compared to 1 year ago.
- The number of shares outstanding for GSY has been increased compared to 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 1.09, we must say that GSY is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.09, GSY is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
- A Debt/Equity ratio of 3.84 is on the high side and indicates that GSY has dependencies on debt financing.
- GSY's Debt to Equity ratio of 3.84 is on the low side compared to the rest of the industry. GSY is outperformed by 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.09 |
ROIC/WACC1.14
WACC6.82%
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 87.50% of its industry peers.
- A Quick Ratio of 2.57 indicates that GSY has no problem at all paying its short term obligations.
- GSY has a better Quick ratio (2.57) than 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.57 | ||
| Quick Ratio | 2.57 |
3. Growth
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 14.19% on average over the next years. This is quite good.
- The Revenue is expected to grow by 12.20% on average over the next years. This is quite good.
EPS Next Y-0.92%
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
- GSY is valuated cheaply with a Price/Earnings ratio of 7.50.
- Compared to the rest of the industry, the Price/Earnings ratio of GSY indicates a somewhat cheap valuation: GSY is cheaper than 62.50% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of GSY to the average of the S&P500 Index (26.68), we can say GSY is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 5.83, the valuation of GSY can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of GSY indicates a rather cheap valuation: GSY is cheaper than 87.50% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.06. GSY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.5 | ||
| Fwd PE | 5.83 |
4.2 Price Multiples
- GSY's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GSY is cheaper than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.58 |
4.3 Compensation for Growth
- 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)0.28
EPS Next 2Y11.74%
EPS Next 3Y14.19%
5. Dividend
5.1 Amount
- GSY has a Yearly Dividend Yield of 4.81%, which is a nice return.
- Compared to an average industry Dividend Yield of 1.17, 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 1.84, GSY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.81% |
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%
TSX:GSY (2/13/2026, 7:00:00 PM)
121.58
+0.28 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-18 2026-02-18
Inst Owners19.33%
Inst Owner ChangeN/A
Ins Owners23.23%
Ins Owner ChangeN/A
Market Cap1.95B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts77.14
Price Target203.39 (67.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.81% |
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)-1.97%
PT rev (3m)-15.04%
EPS NQ rev (1m)-0.45%
EPS NQ rev (3m)-9.34%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-6.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.5 | ||
| Fwd PE | 5.83 | ||
| P/S | 1.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.58 | ||
| P/tB | 2.06 | ||
| EV/EBITDA | 8.58 |
EPS(TTM)16.21
EY13.33%
EPS(NY)20.85
Fwd EY17.15%
FCF(TTM)-41.91
FCFYN/A
OCF(TTM)-40.51
OCFYN/A
SpS103.28
BVpS76.79
TBVpS59.03
PEG (NY)N/A
PEG (5Y)0.28
Graham Number167.35
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
WACC6.82%
ROIC/WACC1.14
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-0.92%
EPS Next 2Y11.74%
EPS Next 3Y14.19%
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 2Y12.36%
Revenue Next 3Y12.2%
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.
What is the valuation status of GOEASY LTD (GSY.CA) stock?
ChartMill assigns a valuation rating of 5 / 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 5 / 10.
Can you provide the PE and PB ratios for GSY stock?
The Price/Earnings (PE) ratio for GOEASY LTD (GSY.CA) is 7.5 and the Price/Book (PB) ratio is 1.58.
What is the financial health of GOEASY LTD (GSY.CA) stock?
The financial health rating of GOEASY LTD (GSY.CA) is 4 / 10.