GSY:CA:TSX-goeasy Ltd (CAD)

COMMON STOCK | Credit Services | TSX

Last Closing Price

CAD 186.22

Change

0.00 (0.00)%

Market Cap

CAD 3.07B

Volume

0.05M

Avg Analyst Target

CAD 177.43 (-4.72%)

Avg User Target

CAD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

goeasy Ltd. provides loans and other financial services to consumers in Canada. It also leases household products to consumers. The company operates through two segments, Easyfinancial and Easyhome. The Easyfinancial segment provides unsecured and real estate secured installment loans, and secured saving loans; loan protection plans; and an optional home and auto benefits products, which offers road side assistance and a suite of other support services, as well as credit monitoring services. The Easyhome segment leases furniture, appliances, electronics, and computers. As of December 31, 2020, it operated 266 easyfinancial locations that include 14 kiosks, as well as 161 easyhome stores that include 35 franchises. 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. Address: 33 City Centre Drive, Mississauga, ON, Canada, L5B 2N5

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-10-16 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
ECN:CA ECN Capital Corp

N/A

CAD2.61B 963.64 31.05
ECN-PC:CA ECN Capital Corp

N/A

CAD1.25B 2,311.82 N/A
PMTS:CA CPI Card Group Inc

N/A

CAD0.40B 14.41 10.55
CHW:CA Chesswood Group Limited

N/A

CAD0.20B 9.22 24.79
ACD:CA Accord Financial Corp

N/A

CAD0.07B 9.26 24.50
CRWN:CA Crown Capital Partners Inc

N/A

CAD0.06B 15.77 N/A

ETFs Containing GSY:CA

Symbol Name Weight Mer Price(Change) Market Cap
HII:CA Horizons Cdn Insider Inde.. 0.00 % 0.65 %

N/A

CAD7.50M
WXM:CA CI Morningstar Canada Mom.. 0.00 % 0.66 %

N/A

CAD0.78B
INOC:CA Horizons Inovestor Canadi.. 0.00 % 0.65 %

N/A

CAD0.04B
ZFC:CA BMO SIA Focused Canadian .. 0.00 % 0.84 %

N/A

CAD0.06B

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 92.67% 100% A+ 94% A
Dividend Return 2.05% 50% F 55% F
Total Return 94.72% 100% A+ 96% A
Trailing 12 Months  
Capital Gain 165.38% 100% A+ 93% A
Dividend Return 3.46% 50% F 61% D-
Total Return 168.85% 100% A+ 93% A
Trailing 5 Years  
Capital Gain 633.44% 100% A+ 96% A
Dividend Return 24.87% 67% D+ 87% B+
Total Return 658.31% 100% A+ 96% A
Average Annual (5 Year Horizon)  
Capital Gain 58.38% 100% A+ 95% A
Dividend Return 2.68% 40% F 67% D+
Total Return 61.06% 100% A+ 97% A+
Risk Return Profile  
Volatility (Standard Deviation) 72.47% 20% F 13% F
Risk Adjusted Return 84.26% 100% A+ 85% B
Market Capitalization 3.07B 100% A+ 78% C+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 13.87 67% D+ 51% F
Price/Book Ratio 4.19 20% F 20% F
Price / Cash Flow Ratio 41.28 17% F 6% F
EV/EBITDA 11.39 100% A+ 45% F
Management Effectiveness  
Return on Equity 38.73% 100% A+ 93% A
Return on Invested Capital 24.16% 100% A+ 95% A
Return on Assets 11.22% 100% A+ 90% A-
Debt to Equity Ratio 155.44% 50% F 14% F
Technical Ratios  
Short Ratio 6.09 33% F 20% F
Short Percent 3.71% 50% F 43% F
Beta 2.14 50% F 10% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (CAD)

Quarterly Financials (CAD)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

Discussions

User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Underpriced on free cash flow basis

The stock is trading low compared to its peers on a price to free cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.