Goeasy Financials

GSY Stock  CAD 126.48  3.37  2.60%   
We strongly advise to harness Goeasy fundamental analysis to see if markets are presently undervaluing or overvaluing the company. Simply put, you can make use of it to find out if goeasy is indeed mispriced or if you can make any profits on it by purchasing it and then waiting for the market to recognize its mistake and reprise the security. We have analyzed and interpolated thirty-seven available reported financial drivers for goeasy, which can be compared to its competitors. The stock experiences an unexpected downward movement. The market is reacting to new fundamentals. Check odds of Goeasy to be traded at C$121.42 in 90 days.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

Goeasy Balance Sheet Chart

At this time, Goeasy's Retained Earnings are very stable compared to the past year. As of the 3rd of February 2026, Accounts Payable is likely to grow to about 248.6 M, while Property Plant And Equipment Net is likely to drop about 78.9 M.
Key indicators impacting Goeasy's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.180.17
Notably Up
Slightly volatile
Return On Assets0.04430.0491
Moderately Down
Very volatile
Return On Equity0.220.21
Sufficiently Up
Slightly volatile
Debt Equity Ratio2.92.77
Sufficiently Up
Slightly volatile
Operating Income736.2 M701.1 M
Sufficiently Up
Slightly volatile
Current Ratio15.7314.98
Sufficiently Up
Slightly volatile
  
Understanding current and past Goeasy Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Goeasy's financial statements are interrelated, with each one affecting the others. For example, an increase in Goeasy's assets may result in an increase in income on the income statement.

Goeasy Stock Summary

Goeasy competes with EQB, Sprott, Propel Holdings, Bitfarms, and Cymbria. goeasy Ltd. provides loans and other financial services to consumers in Canada. The company was formerly known as easyhome Ltd. and changed its name to goeasy Ltd. in September 2015. goeasy Ltd. was founded in 1990 and is headquartered in Mississauga, Canada. GOEASY operates under Credit Services classification in Canada and is traded on Toronto Stock Exchange.
Foreign Associate
  USA
Specialization
Financial Services, Financial Services
InstrumentCanada Stock View All
ExchangeToronto Exchange
ISINCA3803551074
Business Address33 City Centre
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.goeasy.com
Phone844 446 3279
CurrencyCAD - Canadian Dollar
You should never invest in Goeasy without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Goeasy Stock, because this is throwing your money away. Analyzing the key information contained in Goeasy's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Goeasy Key Financial Ratios

Goeasy's financial ratios allow both analysts and investors to convert raw data from Goeasy's financial statements into concise, actionable information that can be used to evaluate the performance of Goeasy over time and compare it to other companies across industries.

Goeasy Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets2.6B3.3B4.2B5.2B6.0B6.3B
Other Current Liab(282.1M)(133.7M)16.0M19.5M17.6M18.4M
Net Debt1.8B2.4B2.8B3.4B4.0B4.2B
Retained Earnings395.2M426.4M610.7M792.8M911.7M957.3M
Accounts Payable65.3M61.3M85.3M205.9M236.8M248.6M
Net Receivables1.9B2.6B3.4B4.3B5.0B5.2B
Other Current Assets27.6M38.5M33.7M9.5M10.9M7.4M
Total Liab1.8B2.4B3.1B4.0B4.6B4.8B
Total Current Assets2.0B2.7B3.6B4.6B5.3B5.5B
Short Term Debt292.8M148.6M2.8B21.8M25.1M23.8M
Intangible Assets159.7M138.8M124.9M111.0M127.6M134.0M
Cash82.9M32.5M120.4M251.4M289.1M303.5M
Common Stock363.5M419.0M428.3M438.3M504.0M529.2M
Other Liab8.1M10.6M50.0M53.4M61.4M64.4M
Net Tangible Assets293.4M397.0M449.3M550.0M632.5M664.1M
Other Assets64.8M53.6M47.2M48.4M43.6M47.7M
Long Term Debt1.1B2.1B2.8B3.6B4.2B4.4B
Long Term Debt Total1.2B2.2B2.7B3.7B4.2B4.4B
Capital Surpluse22.6M21.5M24.8M26.9M31.0M20.6M
Net Invested Capital2.3B3.1B3.9B4.8B5.6B5.8B
Net Working Capital1.6B2.4B3.4B4.3B5.0B5.2B

Goeasy Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense66.2M93.9M171.6M(4.8M)(5.5M)(5.2M)
Total Revenue826.7M1.0B1.3B1.5B1.8B1.8B
Gross Profit561.5M708.3M851.6M1.0B1.2B1.3B
Operating Income281.0M332.4M476.5M609.7M701.1M736.2M
Ebit393.4M522.6M654.1M835.1M960.3M1.0B
Ebitda472.3M603.9M740.5M919.0M1.1B1.1B
Cost Of Revenue265.2M311.1M398.5M473.6M544.7M571.9M
Income Before Tax316.9M195.8M337.0M387.3M445.4M467.7M
Net Income244.9M140.2M247.9M283.1M325.6M341.9M
Income Tax Expense71.9M55.6M89.1M104.2M119.8M125.8M
Tax Provision71.9M55.6M89.1M104.2M119.8M125.8M
Interest Income77.3M108.0M3.2M221.0M254.1M266.8M
Net Interest Income(73.4M)(92.3M)14.7M16.9M19.4M20.4M
Research Development14.2M18.0M23.5M28.4M32.7M34.3M

Goeasy Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash9.4M(39.8M)81.9M106.8M122.8M129.0M
Free Cash Flow(106.3M)(533.8M)(490.6M)(479.4M)(431.5M)(409.9M)
Depreciation78.9M81.3M86.3M83.9M96.5M49.5M
Capital Expenditures27.4M27.9M17.4M10.0M11.5M10.9M
Net Income244.9M140.2M247.9M283.1M325.6M341.9M
End Period Cash Flow102.5M62.7M144.6M251.4M289.1M303.5M
Other Non Cash Items(443.0M)(707.1M)(862.1M)(947.8M)(853.0M)(810.4M)
Dividends Paid(37.5M)(51.6M)(60.9M)(72.8M)(65.5M)(62.2M)
Change To Inventory(8.7M)1.8M4.9M1.6M1.8M1.9M
Investments97.9M(42.5M)(41.6M)3.5M4.0M4.2M
Net Borrowings228.1M570.4M630.0M671.5M772.2M810.9M
Change To Netincome143.1M98.1M43.2M287.3M330.4M346.9M

Goeasy Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Goeasy's current stock value. Our valuation model uses many indicators to compare Goeasy value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Goeasy competition to find correlations between indicators driving Goeasy's intrinsic value. More Info.
goeasy is rated # 3 in return on equity category among its peers. It also is rated # 3 in return on asset category among its peers reporting about  0.22  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for goeasy is roughly  4.58 . At this time, Goeasy's Return On Equity is very stable compared to the past year. Comparative valuation analysis is a catch-all model that can be used if you cannot value Goeasy by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Goeasy's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued.

goeasy Total Assets Over Time

Most indicators from Goeasy's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into goeasy current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in goeasy. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in industry.
At this time, Goeasy's Tax Provision is very stable compared to the past year. As of the 3rd of February 2026, Enterprise Value Over EBITDA is likely to grow to 6.47, while Selling General Administrative is likely to drop about 52.8 M.
 2023 2024 2025 2026 (projected)
Gross Profit851.6M1.0B1.2B1.3B
Total Revenue1.3B1.5B1.8B1.8B

Goeasy fundamental ratios Correlations

1.0-0.050.851.00.611.01.00.940.910.271.00.481.0-0.650.370.821.00.931.00.220.870.910.910.960.94
1.0-0.070.830.990.61.00.990.930.930.320.990.481.0-0.650.360.831.00.930.990.220.880.910.910.960.94
-0.05-0.070.12-0.13-0.36-0.09-0.030.12-0.280.23-0.03-0.18-0.04-0.36-0.43-0.23-0.03-0.23-0.020.05-0.50.150.15-0.07-0.34
0.850.830.120.840.590.840.860.860.690.120.860.460.83-0.430.430.740.850.810.860.030.610.830.830.770.68
1.00.99-0.130.840.651.00.990.910.930.260.990.510.99-0.60.420.840.990.960.990.250.910.890.890.960.96
0.610.6-0.360.590.650.620.590.440.69-0.020.60.870.59-0.110.740.760.590.80.590.320.710.380.380.650.65
1.01.0-0.090.841.00.620.990.930.920.251.00.471.0-0.650.390.821.00.941.00.220.890.890.890.970.95
1.00.99-0.030.860.990.590.990.950.910.31.00.471.0-0.630.330.81.00.921.00.210.850.930.930.940.93
0.940.930.120.860.910.440.930.950.810.370.940.40.94-0.590.10.670.940.820.94-0.010.70.960.960.840.81
0.910.93-0.280.690.930.690.920.910.810.470.890.60.91-0.460.430.820.90.930.890.290.920.790.790.890.94
0.270.320.230.120.26-0.020.250.30.370.470.240.280.29-0.17-0.270.220.280.170.250.040.140.440.440.210.2
1.00.99-0.030.860.990.61.01.00.940.890.240.451.0-0.670.360.811.00.931.00.220.860.910.910.960.93
0.480.48-0.180.460.510.870.470.470.40.60.280.450.460.070.470.680.460.630.460.230.490.40.40.460.45
1.01.0-0.040.830.990.591.01.00.940.910.291.00.46-0.670.340.811.00.931.00.220.870.910.910.960.94
-0.65-0.65-0.36-0.43-0.6-0.11-0.65-0.63-0.59-0.46-0.17-0.670.07-0.67-0.08-0.36-0.66-0.48-0.66-0.23-0.43-0.55-0.55-0.74-0.56
0.370.36-0.430.430.420.740.390.330.10.43-0.270.360.470.34-0.080.660.350.560.360.430.550.090.090.490.44
0.820.83-0.230.740.840.760.820.80.670.820.220.810.680.81-0.360.660.810.820.810.330.790.710.710.790.77
1.01.0-0.030.850.990.591.01.00.940.90.281.00.461.0-0.660.350.810.931.00.210.860.920.920.960.93
0.930.93-0.230.810.960.80.940.920.820.930.170.930.630.93-0.480.560.820.930.930.280.920.750.750.940.94
1.00.99-0.020.860.990.591.01.00.940.890.251.00.461.0-0.660.360.811.00.930.210.850.910.910.960.93
0.220.220.050.030.250.320.220.21-0.010.290.040.220.230.22-0.230.430.330.210.280.210.30.060.060.30.28
0.870.88-0.50.610.910.710.890.850.70.920.140.860.490.87-0.430.550.790.860.920.850.30.660.660.880.98
0.910.910.150.830.890.380.890.930.960.790.440.910.40.91-0.550.090.710.920.750.910.060.661.00.780.76
0.910.910.150.830.890.380.890.930.960.790.440.910.40.91-0.550.090.710.920.750.910.060.661.00.780.76
0.960.96-0.070.770.960.650.970.940.840.890.210.960.460.96-0.740.490.790.960.940.960.30.880.780.780.93
0.940.94-0.340.680.960.650.950.930.810.940.20.930.450.94-0.560.440.770.930.940.930.280.980.760.760.93
Click cells to compare fundamentals

Goeasy Account Relationship Matchups

Goeasy fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets2.6B3.3B4.2B5.2B6.0B6.3B
Other Current Liab(282.1M)(133.7M)16.0M19.5M17.6M18.4M
Net Debt1.8B2.4B2.8B3.4B4.0B4.2B
Retained Earnings395.2M426.4M610.7M792.8M911.7M957.3M
Accounts Payable65.3M61.3M85.3M205.9M236.8M248.6M
Net Receivables1.9B2.6B3.4B4.3B5.0B5.2B
Other Current Assets27.6M38.5M33.7M9.5M10.9M7.4M
Total Liab1.8B2.4B3.1B4.0B4.6B4.8B
Total Current Assets2.0B2.7B3.6B4.6B5.3B5.5B
Short Term Debt292.8M148.6M2.8B21.8M25.1M23.8M
Intangible Assets159.7M138.8M124.9M111.0M127.6M134.0M
Cash82.9M32.5M120.4M251.4M289.1M303.5M
Common Stock363.5M419.0M428.3M438.3M504.0M529.2M
Other Liab8.1M10.6M50.0M53.4M61.4M64.4M
Net Tangible Assets293.4M397.0M449.3M550.0M632.5M664.1M
Other Assets64.8M53.6M47.2M48.4M43.6M47.7M
Long Term Debt1.1B2.1B2.8B3.6B4.2B4.4B
Long Term Debt Total1.2B2.2B2.7B3.7B4.2B4.4B
Capital Surpluse22.6M21.5M24.8M26.9M31.0M20.6M
Net Invested Capital2.3B3.1B3.9B4.8B5.6B5.8B
Net Working Capital1.6B2.4B3.4B4.3B5.0B5.2B
Today, most investors in Goeasy Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Goeasy's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Goeasy growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.75

At this time, Goeasy's Price Earnings To Growth Ratio is very stable compared to the past year.

Goeasy February 3, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Goeasy help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of goeasy. We use our internally-developed statistical techniques to arrive at the intrinsic value of goeasy based on widely used predictive technical indicators. In general, we focus on analyzing Goeasy Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Goeasy's daily price indicators and compare them against related drivers.

Other Information on Investing in Goeasy Stock

Goeasy financial ratios help investors to determine whether Goeasy Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Goeasy with respect to the benefits of owning Goeasy security.