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goeasy Ltd

Financial Services CA GSY

49.72CAD
-65.83(56.97%)

Last update at 2026-03-10T20:00:00Z

Day Range

46.2685.00
LowHigh

52 Week Range

116.21212.31
LowHigh

Fundamentals

  • Previous Close 115.55
  • Market Cap2071.67M
  • Volume2956963
  • P/E Ratio9.22
  • Dividend Yield3.70%
  • Revenue TTM814.00M
  • Revenue Per Share TTM48.72
  • Gross Profit TTM 814.00M
  • Diluted EPS TTM13.99

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Income before tax 387.30M 336.95M 195.78M 316.85M 183.18M
Minority interest - - - - -
Net income 283.11M 247.90M 140.16M 244.94M 136.50M
Selling general administrative 72.25M 66.75M 58.75M 50.52M 44.27M
Selling and marketing expenses 32.98M 31.02M 34.07M 30.39M 26.79M
Gross profit 1049.66M 851.59M 795.88M 622.03M 472.24M
Reconciled depreciation 83.89M 86.33M 81.31M 78.89M 64.72M
Ebit 835.06M 654.13M 583.07M 450.26M 343.34M
Ebitda 918.96M 740.46M 664.38M 529.15M 408.06M
Depreciation and amortization 83.89M 86.33M 81.31M 78.89M 64.72M
Non operating income net other - - - - -
Operating income 609.66M 476.52M 583.07M 450.26M 343.34M
Other operating expenses 913.63M 773.55M 409.16M 375.32M 310.10M
Interest expense -4.78100M 171.57M 93.85M 66.20M 46.90M
Tax provision 104.19M 89.06M 55.62M 71.91M 46.68M
Interest income 220.99M 3.21M 107.97M 77.30M 0.52M
Net interest income 16.87M 14.70M -92.29600M -73.35100M -54.99200M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 104.19M 89.06M 55.62M 71.91M 46.68M
Total revenue 1523.29M 1250.07M 1019.34M 826.72M 652.92M
Total operating expenses 440.00M 375.07M 185.70M 170.63M 129.41M
Cost of revenue 473.63M 398.48M 223.46M 204.69M 180.69M
Total other income expense net -222.36000M -139.56300M -387.29300M -133.41000M -160.15500M
Discontinued operations - - - - -
Net income from continuing ops 283.11M 247.90M 140.16M 244.94M 136.50M
Net income applicable to common shares 283.11M 247.90M 140.16M 244.94M 136.50M
Preferred stock and other adjustments - - - - -
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Total assets 5194.54M 4164.17M 3302.89M 2596.15M 1501.92M
Intangible assets 110.98M 124.93M 138.80M 159.65M 25.24M
Earning assets - - - - -
Other current assets - -3622.92700M 38.53M 27.62M 13.01M
Total liab 3993.47M 3110.09M 2433.20M 1806.24M 1058.40M
Total stockholder equity 1201.06M 1054.08M 869.69M 789.91M 443.51M
Deferred long term liab - - - - -
Other current liab - -2779.01400M 25.12M -246.12800M 46.31M
Common stock - 428.33M 419.05M 363.51M 181.75M
Capital stock 438.30M 428.33M 419.05M 363.51M 181.75M
Retained earnings 792.76M 610.65M 426.37M 395.25M 247.31M
Other liab - - 53.35M 50.00M 10.62M
Good will 180.92M 180.92M 180.92M 180.92M 21.31M
Other assets - - 48.44M 47.18M 53.63M
Cash 251.38M 120.38M 32.45M 82.88M 62.95M
Cash and equivalents - - - - -
Total current liabilities 275.86M 152.90M 253.57M 115.17M 278.18M
Current deferred revenue - 26.96M 28.66M 11.35M 10.62M
Net debt 3378.42M 2770.10M 2271.13M 1828.22M 878.70M
Short term debt - 2819.66M 148.65M 292.81M 198.34M
Short long term debt - - 148.65M 292.81M 198.34M
Short long term debt total - 2890.47M 2303.59M 1911.10M 941.65M
Other stockholder equity - -585.83600M 21.50M 22.58M 19.73M
Property plant equipment - - 150.05M 92.42M 77.66M
Total current assets 4591.95M 3582.05M 2693.34M 2014.58M 1253.38M
Long term investments 41.92M 61.46M 57.30M 64.44M 56.04M
Net tangible assets - - 549.96M 449.34M 396.96M
Short term investments - - - - -
Net receivables 128.62M 3428.01M 2622.35M 1904.08M 1147.33M
Long term debt 3629.80M 2819.66M 2080.61M 1085.91M 689.41M
Inventory - 3656.59M - - -
Accounts payable 205.91M 85.28M 51.14M 57.13M 46.06M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - -9.72100M 2.78M 8.57M -5.28000M
Additional paid in capital - - - - -
Common stock total equity - - - - 181.75M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - -4091.92100M 82.47M 36.95M 29.66M
Deferred long term asset charges - - - - -
Non current assets total 602.58M 582.12M 609.55M 581.58M 248.53M
Capital lease obligations 62.16M 70.81M 74.33M 65.61M 53.90M
Long term debt total - - 2154.94M 1151.51M 743.31M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Investments 3.52M -41.63900M -42.49100M 97.86M -28.67300M
Change to liabilities - - 13.03M 9.77M 5.08M
Total cashflows from investing activities 3.52M -11.74900M -42.49100M -210.63500M -28.67300M
Net borrowings 671.51M 629.95M 570.40M 228.11M 65.74M
Total cash from financing activities 572.73M 566.89M 508.55M 298.94M 0.97M
Change to operating activities - - -1005.80100M -480.86600M -244.04900M
Net income 283.11M 247.90M 140.16M 244.94M 136.50M
Change in cash 106.80M 81.92M -39.82500M 9.43M 46.71M
Begin period cash flow 144.58M 62.65M 102.48M 93.05M 46.34M
End period cash flow 251.38M 144.58M 62.65M 102.48M 93.05M
Total cash from operating activities -469.44600M -473.21700M -505.88100M -78.87500M 74.41M
Issuance of capital stock 6.94M 61.31M 60.56M 170.18M 1.72M
Depreciation 83.89M 86.33M 81.31M 78.89M 64.72M
Other cashflows from investing activities -9.15800M -8.12800M -14.60500M -183.18600M 0.00000M
Dividends paid -72.77200M -60.94600M 51.61M 37.47M 23.89M
Change to inventory - 1.59M - - -
Change to account receivables -11.67600M -5.06500M -4.86600M -1.83400M 8.70M
Sale purchase of stock -27.87100M -8.69100M -60.99900M -62.29000M -44.38700M
Other cashflows from financing activities -5.08200M -7.81800M 1016.50M 986.40M 186.79M
Change to netincome - - 287.32M 43.20M 98.11M
Capital expenditures 10.00M 17.36M 27.89M 27.45M 28.67M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 107.00M 43.48M -20.25100M 33.23M 17.56M
Stock based compensation 13.53M 12.94M 10.05M 8.88M 7.58M
Other non cash items -947.80600M -862.10700M -707.10600M -442.97200M -165.59000M
Free cash flow -479.44800M -490.57700M -533.76700M -106.32400M 45.74M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (CAD) Price (CAD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
GSY
goeasy Ltd		 -65.83 56.97% 49.72 9.22 6.02 2.54 1.65 3.78 6.34
AXP
American Express CDR (CAD Hedged)		 -0.18 0.69% 25.98 - - - -
PRL
Propel Holdings Inc		 -0.75 3.64% 19.83 11.56 5.50 1.78 2.73 1.94
ACD
Accord Financial Corp.		 -0.02 0.93% 2.13 - - 0.45 0.21 9.76 24.50
CRWN
Crown Capital Partners Inc		 - -% 0.53 - 40.98 0.04 1.04 0.92

Reports Covered

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Profile

goeasy Ltd. provides non-prime leasing and lending services under the easyhome, easyfinancial, and LendCare brands to consumers in Canada. It operates through two segments, Easyfinancial and Easyhome. The company offers unsecured and secured installment loans; home equity and improvement, secured instalment loans and automotive vehicle financing; and loans to finance the purchase of retail goods, powersports and recreational vehicles, home improvement projects, and healthcare related products and services. It also leases household furniture, appliances, electronics, and unsecured lending products to retail consumers. The company was formerly known as easyhome Ltd. and changed its name to goeasy Ltd. in September 2015. goeasy Ltd. was incorporated in 1990 and is headquartered in Mississauga, Canada.

goeasy Ltd

33 City Centre Drive, Mississauga, ON, Canada, L5B 2N5

Key Executives

Name Title Year Born
Mr. David Ingram Exec. Chairman 1966
Mr. Jason Mullins Pres, CEO & Director 1983
Mr. Hal Khouri CFO & Exec. VP NA
Ms. Andrea Fiederer Exec. VP & Chief Marketing Officer NA
Mr. Jason Appel Exec. VP & Chief Risk Officer NA
Ms. Jackie Foo Exec. VP & COO NA
Mr. Michael Anthony Eubanks Sr. VP & Chief Information Officer NA
Ms. Sabrina Anzini Sr. VP & Chief Legal Officer NA
Bryan Tritt VP of Communications & PR NA
Mr. Farhan Ali Khan Sr. VP & Chief Corp. Devel. Officer NA

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