GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:GSY - CA3803551074 - Common Stock
122.28 CAD
-1.63 (-1.32%)
We assign a fundamental rating of 6 out of 10 to GSY. GSY was compared to 6 industry peers in the Consumer Finance industry. GSY has only an average score on both its financial health and profitability. GSY is not overvalued while it is showing excellent growth. This is an interesting combination. Finally GSY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GSY was profitable.
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.
1.2 Ratios
GSY has a better Return On Assets (3.75%) than 66.67% of its industry peers.
The Return On Equity of GSY (18.92%) is better than 83.33% of its industry peers.
The Return On Invested Capital of GSY (7.81%) is better than 66.67% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GSY is in line with the industry average of 10.39%.
| 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
Looking at the Profit Margin, with a value of 14.07%, GSY belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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.
GSY's Operating Margin has improved in the last couple of years.
| 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.
GSY has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GSY is higher compared to a year ago.
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.
GSY's Altman-Z score of 1.09 is fine compared to the rest of the industry. GSY outperforms 66.67% 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 worse Debt to Equity ratio (3.84) than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.84 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.09 |
ROIC/WACC0.95
WACC8.22%
2.3 Liquidity
A Current Ratio of 2.57 indicates that GSY has no problem at all paying its short term obligations.
The Current ratio of GSY (2.57) is better than 83.33% 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 83.33% 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
Based on estimates for the next years, GSY will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.19% on average per year.
GSY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.20% yearly.
EPS Next Y0.48%
EPS Next 2Y12.45%
EPS Next 3Y14.19%
EPS Next 5YN/A
Revenue Next Year11.99%
Revenue Next 2Y12.33%
Revenue Next 3Y12.2%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.54 indicates a rather cheap valuation of GSY.
83.33% of the companies in the same industry are more expensive than GSY, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.54. GSY is valued rather cheaply when compared to this.
GSY is valuated cheaply with a Price/Forward Earnings ratio of 5.79.
GSY's Price/Forward Earnings ratio is rather cheap when compared to the industry. GSY is cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GSY to the average of the S&P500 Index (23.78), we can say GSY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.54 | ||
| Fwd PE | 5.79 |
4.2 Price Multiples
GSY's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GSY is cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.6 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of GSY may justify a higher PE ratio.
GSY's earnings are expected to grow with 14.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)15.77
PEG (5Y)0.29
EPS Next 2Y12.45%
EPS Next 3Y14.19%
5. Dividend
5.1 Amount
GSY has a Yearly Dividend Yield of 4.71%, which is a nice return.
In the last 3 months the price of GSY has falen by -41.06%. 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 1.60. GSY pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.96, GSY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
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 2Y12.45%
EPS Next 3Y14.19%
TSX:GSY (12/12/2025, 7:00:00 PM)
122.28
-1.63 (-1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners19.07%
Inst Owner ChangeN/A
Ins Owners23.17%
Ins Owner ChangeN/A
Market Cap1.96B
Revenue(TTM)1.66B
Net Income(TTM)232.86M
Analysts80
Price Target207.47 (69.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
Yearly Dividend4.37
Dividend Growth(5Y)30.32%
DP36%
Div Incr Years10
Div Non Decr Years20
Ex-Date
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)-13.34%
PT rev (3m)-15.37%
EPS NQ rev (1m)-8.6%
EPS NQ rev (3m)-8.49%
EPS NY rev (1m)-5.51%
EPS NY rev (3m)-5.08%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)-0.35%
Revenue NY rev (3m)-0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.54 | ||
| Fwd PE | 5.79 | ||
| P/S | 1.19 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.6 | ||
| P/tB | 2.08 | ||
| EV/EBITDA | 8.6 |
EPS(TTM)16.21
EY13.26%
EPS(NY)21.12
Fwd EY17.27%
FCF(TTM)-41.83
FCFYN/A
OCF(TTM)-40.43
OCFYN/A
SpS103.09
BVpS76.64
TBVpS58.92
PEG (NY)15.77
PEG (5Y)0.29
Graham Number167.19
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
WACC8.22%
ROIC/WACC0.95
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 Y0.48%
EPS Next 2Y12.45%
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 Year11.99%
Revenue Next 2Y12.33%
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 6 / 10 to GSY.CA.
Can you provide the valuation status for GOEASY LTD?
ChartMill assigns a valuation rating of 6 / 10 to GOEASY LTD (GSY.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for GOEASY LTD?
GOEASY LTD (GSY.CA) has a profitability rating of 6 / 10.
What are the PE and PB ratios of GOEASY LTD (GSY.CA) stock?
The Price/Earnings (PE) ratio for GOEASY LTD (GSY.CA) is 7.54 and the Price/Book (PB) ratio is 1.6.
Is the dividend of GOEASY LTD sustainable?
The dividend rating of GOEASY LTD (GSY.CA) is 8 / 10 and the dividend payout ratio is 36%.