The earnings call presented a strong quarter for goeasy Limited, showcasing record growth in loan origination and revenue, improved yield, and operational efficiency. Despite facing challenges with increased credit loss allowances and higher late-stage delinquencies, the overall financial health and growth prospects of the company appear strong.

Company Guidance -

Q3 2025

In the second quarter of 2025, goeasy Limited achieved significant financial milestones, showcasing robust growth and operational efficiency. The loan book experienced a record increase of $313 million, driven by record origination levels of $904 million, which surpassed the company's previous quarterly outlook. This strong performance led to receivables reaching $5.1 billion, marking a major internal milestone. Quarterly revenue hit $408 million, up 11% from the previous year, supported by a 50 basis point increase in total yield to 31.8%. The company also saw a decline in net charge-offs by 50 basis points to 8.8%, aided by an increased contribution from secured lending and underwriting enhancements. The efficiency ratio improved by 130 basis points to 25.6%, and adjusted EPS remained at $4.11, consistent with the same period in 2024. Looking forward, goeasy expects its loan book to finish at the top end of the previously projected range of $5.4 billion to $5.7 billion, underscoring its strategic focus on sustainable growth and strong returns.

Record Loan Book Growth

Loan book increased by a record $313 million in Q2, driven by a record origination level of $904 million, exceeding the previously stated quarterly outlook. Receivables reached $5.1 billion.

Record Quarterly Revenue

Quarterly revenue reached a record $408 million, up 11% from Q2 of last year.

Improved Yield and Credit Performance

Yield improved by 50 basis points quarter-over-quarter to 31.8%. Net charge-offs declined by 50 basis points from the prior year, now at 8.8%.

Efficiency Gains

Efficiency ratio improved to 25.6%, a reduction of 130 basis points from the prior year.

Strong Funding Position

Issued USD 400 million senior unsecured notes due in 2030. Total funding capacity of approximately $1.74 billion.

goeasy (EHMEF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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EHMEF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 11, 2025	2025 (Q3)	3.35 / -	3.136	―	―	―
Aug 06, 2025	2025 (Q2)	2.87 / 2.98	2.976	0.24% (<+0.01)
May 07, 2025	2025 (Q1)	3.05 / 2.56	2.78	-7.83% (-0.22)
Feb 13, 2025	2024 (Q4)	3.17 / 3.23	2.911	10.97% (+0.32)
Nov 07, 2024	2024 (Q3)	3.00 / 3.14	2.766	13.39% (+0.37)
Aug 08, 2024	2024 (Q2)	2.91 / 2.98	2.381	25.00% (+0.60)
May 07, 2024	2024 (Q1)	2.77 / 2.78	2.25	23.55% (+0.53)
Feb 13, 2024	2023 (Q4)	2.87 / 2.91	2.214	31.48% (+0.70)
Nov 07, 2023	2023 (Q3)	2.51 / 2.77	2.141	29.15% (+0.62)
Aug 09, 2023	2023 (Q2)	2.30 / 2.38	2.054	15.90% (+0.33)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

EHMEF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 06, 2025	$135.90	$147.45	+8.50%
May 07, 2025	$114.98	$105.17	-8.53%
Feb 13, 2025	$118.01	$119.04	+0.87%
Nov 07, 2024	$126.72	$124.67	-1.62%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does goeasy Ltd (EHMEF) report earnings?

goeasy Ltd (EHMEF) is schdueled to report earning on Nov 11, 2025, After Close (Confirmed).

What is goeasy Ltd (EHMEF) earnings time?

goeasy Ltd (EHMEF) earnings time is at Nov 11, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is EHMEF EPS forecast?

EHMEF EPS forecast for the fiscal quarter 2025 (Q3) is 3.35.

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