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goeasy Ltd. (GSY.TO)
CAD50.60
+2.42 (+5.02%)
CA TSX Financial Services Financial - Credit Services
Address
33 City Centre Drive L5B 2N5
Mississauga, ON, CA
Mississauga, ON, CA
CEO
Patrick Ens
Website
goeasy.com
IPO
1996-08-13
ISIN CA3803551074
Also trades on
Other OTC · EHMEF (USD)
Toronto Stock Exchange · GSY.TO (CAD)
Description
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.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
CAD50.60
+2.42 (+5.02%)
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Volume Profile
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Liquidity & share structure
Average Volume
255.0K
Beta
1.33
Float Shares
12.27M
Free Float %
76.5%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -3.13% | -13.51% | -15.00% | -76.56% | -76.82% | -78.29% | -81.14% | -74.21% | -80.28% | +59.57% | +168.87% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
50.60
DCF (Unlevered)
3,452.71
+6,723.5%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
20% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | -1 |
| Buy | 1 | 0 |
| Hold | 6 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 2 | 0 |
Quality scores
Altman Z-Score
1.98
Grey zone
Piotroski F-Score
3 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
D+
Overall Score
1 / 5
Low
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+11.4% Q1'26: +5.4% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%-166.1% Q1'26: -238.8% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+49.3% Q1'26: +52.4% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+55.3% ★ Q1'26: +3.0% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+17.4% ★ Q1'26: +0.7% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%-4.8% ★ Q1'26: -3.2% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×4.54× Q1'26: 36.85× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 7 Rev. Ana. 4 EPS Ana. |
Dec 2027 9 Rev. Ana. 6 EPS Ana. |
Dec 2028 1 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
173.35M
est: 178.13M (-2.7%)
|
174.18M
est: 182.87M (-4.7%)
|
188.33M
est: 191.20M (-1.5%)
|
199.67M
est: 202.51M (-1.4%)
|
218.81M
est: 221.04M (-1.0%)
|
259.15M
est: 260.61M (-0.6%)
|
304.27M
est: 303.89M (+0.1%)
|
347.51M
est: 350.90M (-1.0%)
|
401.73M
est: 403.96M (-0.6%)
|
506.19M
est: 505.01M (+0.2%)
|
609.38M
est: 610.10M (-0.1%)
|
652.92M
est: 648.58M (+0.7%)
|
826.72M
est: 822.00M (+0.6%)
|
1.02B
est: 1.02B (-0.2%)
|
1.25B
est: 794.25M (+57.4%)
|
1.52B
est: 1.52B (+0.2%)
|
1.70B
est: 1.67B (+1.3%)
|
1.60B
1.56B – 1.69B
-4.2% YoY
|
1.66B
1.56B – 1.75B
+3.6% YoY
|
1.74B
1.66B – 1.82B
+4.4% YoY
|
| EBITDA |
67.69M
est: 71.28M (-5.0%)
|
62.65M
est: 66.91M (-6.4%)
|
71.48M
est: 68.14M (+4.9%)
|
77.66M
est: 67.36M (+15.3%)
|
88.51M
est: 71.49M (+23.8%)
|
106.65M
est: 79.53M (+34.1%)
|
132.24M
est: 86.69M (+52.5%)
|
150.53M
est: 84.83M (+77.4%)
|
173.57M
est: 86.07M (+101.7%)
|
247.95M
est: 92.66M (+167.6%)
|
336.15M
est: 96.79M (+247.3%)
|
364.99M
est: 101.39M (+260.0%)
|
472.32M
est: 115.35M (+309.5%)
|
603.86M
est: 129.18M (+367.5%)
|
740.46M
est: 503.08M (+47.2%)
|
918.96M
est: 961.78M (-4.5%)
|
1.02B
est: 1.06B (-3.9%)
|
1.02B
985.92M – 1.07B
-4.2% YoY
|
1.05B
988.82M – 1.11B
+3.6% YoY
|
1.10B
1.05B – 1.16B
+4.4% YoY
|
| EBIT |
9.39M
est: 16.89M (-44.4%)
|
9.71M
est: 9.34M (+3.9%)
|
20.08M
est: 10.87M (+84.6%)
|
24.65M
est: 16.20M (+52.1%)
|
34.74M
est: 19.31M (+79.9%)
|
50.31M
est: 29.46M (+70.7%)
|
76.15M
est: 40.96M (+85.9%)
|
96.20M
est: 55.48M (+73.4%)
|
121.36M
est: 71.97M (+68.6%)
|
195.95M
est: 109.25M (+79.4%)
|
271.79M
est: 144.62M (+87.9%)
|
300.27M
est: 177.68M (+69.0%)
|
393.43M
est: 202.14M (+94.6%)
|
522.56M
est: 226.38M (+130.8%)
|
654.13M
est: 501.99M (+30.3%)
|
835.06M
est: 959.70M (-13.0%)
|
937.40M
est: 1.06B (-11.4%)
|
1.01B
983.79M – 1.07B
-4.2% YoY
|
1.05B
986.68M – 1.10B
+3.6% YoY
|
1.10B
1.05B – 1.15B
+4.4% YoY
|
| Net Income |
5.06M
est: 9.56M (-47.1%)
|
6.07M
est: 5.03M (+20.7%)
|
9.61M
est: 7.21M (+33.2%)
|
11.06M
est: 10.17M (+8.7%)
|
14.18M
est: 12.11M (+17.1%)
|
19.75M
est: 16.73M (+18.0%)
|
23.73M
est: 23.32M (+1.8%)
|
31.05M
est: 27.40M (+13.3%)
|
36.13M
est: 35.75M (+1.1%)
|
53.12M
est: 45.17M (+17.6%)
|
64.35M
est: 64.17M (+0.3%)
|
136.51M
est: 67.74M (+101.5%)
|
244.94M
est: 77.06M (+217.9%)
|
140.16M
est: 182.75M (-23.3%)
|
247.90M
est: 265.26M (-6.5%)
|
283.11M
est: 284.71M (-0.6%)
|
-178.37M
est: 79.53M (-324.3%)
|
-25.00M
-149.11M – 84.63M
-131.4% YoY
|
91.04M
43.38M – 142.96M
+464.1% YoY
|
174.46M
163.51M – 185.41M
+91.6% YoY
|
| SGA |
103.73M
est: 99.09M (+4.7%)
|
95.40M
est: 106.46M (-10.4%)
|
40.96M
est: 115.12M (-64.4%)
|
42.92M
est: 107.18M (-60.0%)
|
44.40M
est: 116.53M (-61.9%)
|
43.50M
est: 130.23M (-66.6%)
|
46.99M
est: 152.22M (-69.1%)
|
57.03M
est: 153.15M (-62.8%)
|
66.07M
est: 163.72M (-59.6%)
|
71.76M
est: 210.93M (-66.0%)
|
68.25M
est: 225.04M (-69.7%)
|
71.05M
est: 198.60M (-64.2%)
|
80.92M
est: 225.94M (-64.2%)
|
92.82M
est: 253.03M (-63.3%)
|
97.77M
est: 63.64M (+53.6%)
|
105.23M
est: 121.66M (-13.5%)
|
109.26M
est: 134.19M (-18.6%)
|
128.57M
124.71M – 135.09M
-4.2% YoY
|
133.20M
125.08M – 140.08M
+3.6% YoY
|
139.06M
132.71M – 146.18M
+4.4% YoY
|
| EPS |
0.48
est: 0.69 (-30.6%)
|
0.58
est: 0.82 (-29.7%)
|
0.81
est: 0.81 (-0.1%)
|
0.92
est: 0.89 (+3.7%)
|
1.16
est: 1.14 (+2.0%)
|
1.47
est: 1.26 (+16.7%)
|
1.75
est: 1.64 (+6.7%)
|
2.29
est: 2.37 (-3.3%)
|
2.67
est: 2.92 (-8.6%)
|
3.56
est: 3.55 (+0.2%)
|
4.40
est: 5.18 (-15.1%)
|
9.21
est: 7.38 (+24.9%)
|
15.12
est: 10.30 (+46.8%)
|
8.61
est: 11.42 (-24.6%)
|
14.70
est: 15.62 (-5.9%)
|
16.56
est: 16.64 (-0.5%)
|
-10.78
est: 4.79 (-325.0%)
|
-1.56
-9.02 – 5.12
-132.5% YoY
|
6.27
2.62 – 8.64
+502.8% YoY
|
10.51
9.89 – 11.21
+67.6% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-08 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-07 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-06 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-05 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-04 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-01 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-16 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-383.04M
OE per share TTM
-22.96
Owner's Yield
-75.19%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
12.2%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 23 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares S&P/TSX SmallCap Index ETF XCS.TO | 0.19% | 328.7K | 0.60% |
| 2 | Schwab Fundamental International Small Company Index ETF FNDC | 0.03% | 997.2K | 0.39% |
| 3 | Vanguard FTSE Canadian High Dividend Yield Index ETF VDY.TO | 0.02% | 1.24M | 0.22% |
| 4 | Schwab International Small-Cap Equity ETF SCHC | 0.02% | 852.9K | 0.06% |
| 5 | Avantis International Small Cap Equity ETF AVDS | 0.01% | 42.1K | 0.30% |
| 6 | Vanguard FTSE Canada All Cap Index ETF VCN.TO | 0.01% | 1.17M | 0.06% |
| 7 | TD Canadian Equity Index ETF TTP.TO | 0.01% | 445.1K | 0.05% |
| 8 | Avantis Responsible International Equity ETF AVSD | 0.01% | 47.6K | 0.23% |
| 9 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.00% | 664.0K | 0.06% |
| 10 | Vanguard All-Equity ETF Portfolio VEQT.TO | 0.00% | 334.5K | 0.22% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
367.3K
Shares Outstanding
16.03M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Felix Wu | Chief Financial Officer | 1M | male |
| Patrick Ens | Chief Executive Officer | 817.0K | male |
| Ali Metel | President of LendCare | 762.0K | male |
| Jason Appel | Executive Vice President & Chief Risk Officer | 650.0K | male |
| David Ingram | Executive Chairman | 185.0K | male |
| Michael Anthony Eubanks | Executive Vice President & Chief Information Officer | — | male |
| Sabrina Anzini | Executive Vice President & Chief Legal Officer | — | female |
| David Cooper | Executive Vice President & Chief People Officer | — | male |
| Farhan Ali Khan | Executive VP & Head of LendCare | — | male |
| James Obright | Senior Vice President of Investor Relations & Capital Markets | — | male |
| Mark john Schell | Chief Operating Officer of LendCare | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for GSY.TO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
