GOEASY LTD (GSY.CA) Fundamental Analysis & Valuation
TSX:GSY • CA3803551074
Current stock price
31.03 CAD
-0.63 (-1.99%)
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.
- In the past 5 years GSY always reported negative operating cash flow.
1.2 Ratios
- The Return On Assets of GSY (-3.10%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of -20.97%, GSY is doing worse than 71.43% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 4.60%, GSY is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
- 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
- GSY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- GSY has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, GSY has more shares outstanding
- 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.
- GSY has a Altman-Z score of 0.63. This is in the better half of the industry: GSY outperforms 71.43% of its industry peers.
- A Debt/Equity ratio of 5.44 is on the high side and indicates that GSY has dependencies on debt financing.
- GSY has a worse Debt to Equity ratio (5.44) than 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
WACC5.86%
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.
- Looking at the Current ratio, with a value of 0.73, GSY is doing worse than 71.43% of the companies in the same industry.
- GSY has a Quick 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.
- Looking at the Quick ratio, with a value of 0.73, GSY is doing worse than 71.43% of the companies in the same industry.
| 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%.
- GSY shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -17.78% yearly.
- 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 89.54% on average per year.
- 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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. GSY.CA Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 10.96, which indicates a very decent 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 27.35, GSY is valued rather cheaply.
- A Price/Forward Earnings ratio of 5.47 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.
- GSY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.23, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 5.47 |
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 | 11.17 |
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.
- A more expensive valuation may be justified as GSY's earnings are expected to grow with 89.54% in the coming years.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y89.54%
EPS Next 3YN/A
5. GSY.CA Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 13.83%, GSY is a good candidate for dividend investing.
- The stock price of GSY dropped by -75.20% 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.
- 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 1.82, 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 their dividend for at least 10 years, which is a reliable track record.
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.
- 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 (4/27/2026, 7:00:00 PM)
31.03
-0.63 (-1.99%)
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 Cap497.41M
Revenue(TTM)1.70B
Net Income(TTM)-178.37M
Analysts70
Price Target63.24 (103.8%)
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 | 10.96 | ||
| Fwd PE | 5.47 | ||
| P/S | 0.29 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.58 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | 11.17 |
EPS(TTM)2.83
EY9.12%
EPS(NY)5.67
Fwd EY18.28%
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 (87.31%)
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
WACC5.86%
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%.