GOEASY LTD (GSY.CA) Stock Fundamental Analysis
Canada - TSX:GSY - CA3803551074 - Common Stock
129.46 CAD
-4.8 (-3.58%)
GSY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 6 industry peers in the Consumer Finance industry. While GSY is still in line with the averages on profitability rating, there are concerns on its financial health. GSY has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! 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.
Each year in the past 5 years GSY has been profitable.
GSY had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
GSY has a Return On Assets of 5.06%. This is in the better half of the industry: GSY outperforms 66.67% of its industry peers.
With a decent Return On Equity value of 23.48%, GSY is doing good in the industry, outperforming 66.67% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 8.50%, GSY belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for GSY is below the industry average of 10.69%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.06% | ||
| ROE | 23.48% | ||
| ROIC | 8.5% |
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
With an excellent Profit Margin value of 17.81%, GSY belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
GSY's Profit Margin has improved in the last couple of years.
GSY's Operating Margin of 39.46% is amongst the best of the industry. GSY outperforms 100.00% of its industry peers.
GSY's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 39.46% | ||
| PM (TTM) | 17.81% | ||
| 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
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.
The number of shares outstanding for GSY has been increased compared to 5 years ago.
GSY has a worse debt/assets ratio than last year.
2.2 Solvency
GSY has an Altman-Z score of 1.13. This is a bad value and indicates that GSY is not financially healthy and even has some risk of bankruptcy.
GSY's Altman-Z score of 1.13 is fine compared to the rest of the industry. GSY outperforms 66.67% of its industry peers.
A Debt/Equity ratio of 3.41 is on the high side and indicates that GSY has dependencies on debt financing.
GSY's Debt to Equity ratio of 3.41 is on the low side compared to the rest of the industry. GSY is outperformed by 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.13 |
ROIC/WACC1.01
WACC8.4%
2.3 Liquidity
GSY has a Current Ratio of 0.86. This is a bad value and indicates that GSY is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.86, GSY is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
A Quick Ratio of 0.86 indicates that GSY may have some problems paying its short term obligations.
GSY has a Quick ratio of 0.86. This is in the lower half of the industry: GSY underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 |
3. Growth
3.1 Past
GSY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.19%.
Measured over the past years, GSY shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.43% on average per year.
The Revenue has grown by 14.61% in the past year. This is quite good.
GSY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.11% yearly.
EPS 1Y (TTM)4.19%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%0.24%
Revenue 1Y (TTM)14.61%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%10.44%
3.2 Future
GSY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.28% yearly.
The Revenue is expected to grow by 12.46% on average over the next years. This is quite good.
EPS Next Y6.31%
EPS Next 2Y15.79%
EPS Next 3Y17.28%
EPS Next 5YN/A
Revenue Next Year12.38%
Revenue Next 2Y12.91%
Revenue Next 3Y12.46%
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
Based on the Price/Earnings ratio of 7.89, the valuation of GSY can be described as very cheap.
83.33% of the companies in the same industry are more expensive than GSY, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.83, GSY is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.78, the valuation of GSY can be described as very cheap.
83.33% of the companies in the same industry are more expensive than GSY, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of GSY to the average of the S&P500 Index (32.68), we can say GSY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.89 | ||
| Fwd PE | 5.78 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GSY is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.23 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of GSY may justify a higher PE ratio.
GSY's earnings are expected to grow with 17.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.25
PEG (5Y)0.3
EPS Next 2Y15.79%
EPS Next 3Y17.28%
5. Dividend
5.1 Amount
GSY has a Yearly Dividend Yield of 3.49%. Purely for dividend investing, there may be better candidates out there.
The stock price of GSY dropped by -35.47% 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 3.31. GSY pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, GSY pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
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
5.3 Sustainability
28.16% of the earnings are spent on dividend by GSY. This is a low number and sustainable payout ratio.
The dividend of GSY is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.16%
EPS Next 2Y15.79%
EPS Next 3Y17.28%
TSX:GSY (11/7/2025, 7:00:00 PM)
129.46
-4.8 (-3.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners16.66%
Inst Owner ChangeN/A
Ins Owners23.11%
Ins Owner ChangeN/A
Market Cap2.08B
Revenue(TTM)1.60B
Net Income(TTM)284.71M
Analysts80
Price Target239.39 (84.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
Yearly Dividend4.37
Dividend Growth(5Y)30.32%
DP28.16%
Div Incr Years10
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.09%
Min EPS beat(2)-18.42%
Max EPS beat(2)0.23%
EPS beat(4)2
Avg EPS beat(4)-3.85%
Min EPS beat(4)-18.42%
Max EPS beat(4)3.12%
EPS beat(8)5
Avg EPS beat(8)-0.62%
EPS beat(12)9
Avg EPS beat(12)0.55%
EPS beat(16)11
Avg EPS beat(16)0.32%
Revenue beat(2)1
Avg Revenue beat(2)-0.63%
Min Revenue beat(2)-2.77%
Max Revenue beat(2)1.52%
Revenue beat(4)3
Avg Revenue beat(4)-0.24%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)1.52%
Revenue beat(8)6
Avg Revenue beat(8)0.56%
Revenue beat(12)8
Avg Revenue beat(12)0.27%
Revenue beat(16)10
Avg Revenue beat(16)0.19%
PT rev (1m)-2.34%
PT rev (3m)10.42%
EPS NQ rev (1m)0.38%
EPS NQ rev (3m)-2.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.92%
Revenue NQ rev (1m)-1%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.89 | ||
| Fwd PE | 5.78 | ||
| P/S | 1.3 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.72 | ||
| P/tB | 2.25 | ||
| EV/EBITDA | 8.23 |
EPS(TTM)16.41
EY12.68%
EPS(NY)22.39
Fwd EY17.29%
FCF(TTM)-37.61
FCFYN/A
OCF(TTM)-36.32
OCFYN/A
SpS99.35
BVpS75.35
TBVpS57.54
PEG (NY)1.25
PEG (5Y)0.3
Graham Number166.79
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.06% | ||
| ROE | 23.48% | ||
| ROCE | 11.97% | ||
| ROIC | 8.5% | ||
| ROICexc | 8.92% | ||
| ROICexgc | 9.51% | ||
| OM | 39.46% | ||
| PM (TTM) | 17.81% | ||
| 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 Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.41 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 5.8 | ||
| Cap/Depr | 25.04% | ||
| Cap/Sales | 1.3% | ||
| Interest Coverage | 2.74 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 | ||
| Altman-Z | 1.13 |
F-Score3
WACC8.4%
ROIC/WACC1.01
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)4.19%
EPS 3Y17.06%
EPS 5Y26.43%
EPS Q2Q%0.24%
EPS Next Y6.31%
EPS Next 2Y15.79%
EPS Next 3Y17.28%
EPS Next 5YN/A
Revenue 1Y (TTM)14.61%
Revenue growth 3Y22.6%
Revenue growth 5Y20.11%
Sales Q2Q%10.44%
Revenue Next Year12.38%
Revenue Next 2Y12.91%
Revenue Next 3Y12.46%
Revenue Next 5YN/A
EBIT growth 1Y14.96%
EBIT growth 3Y29.46%
EBIT growth 5Y29.28%
EBIT Next Year17.87%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-14.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-14.54%
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.
Can you provide the valuation status for GOEASY LTD?
ChartMill assigns a valuation rating of 7 / 10 to GOEASY LTD (GSY.CA). This can be considered as Undervalued.
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 7.89 and the Price/Book (PB) ratio is 1.72.
Is the dividend of GOEASY LTD sustainable?
The dividend rating of GOEASY LTD (GSY.CA) is 7 / 10 and the dividend payout ratio is 28.16%.