The earnings call presented a mix of strong financial performance and growth, offset by challenges such as increased delinquencies and macroeconomic pressures. While the company achieved record revenue and successful financing efforts, issues like EPS decline and economic headwinds posed challenges.

Company Guidance

During goeasy Limited's Q3 2025 earnings call, the company provided several key metrics and guidance. The quarter saw organic loan book growth of CAD 336 million, driven by originations totaling CAD 946 million, increasing receivables to CAD 5.44 billion. This resulted in record quarterly revenue of CAD 440 million, a 15% year-over-year increase. The portfolio yield stood at 31.4%, reflecting the ongoing transition from the rate cap and a higher composition of secured loans. The net charge-off rate improved by 30 basis points year-over-year to 8.9%, while the allowance for credit losses increased from 7.9% to 8.1%. The efficiency ratio was at 23.4%, and earnings per share (EPS) were CAD 4.12, down from the previous year due to lower yields and increased credit loss provisions. The company remains focused on prudent underwriting amid challenging macroeconomic conditions and aims for Q4 loan book growth between CAD 250 million and CAD 275 million, with a yield outlook of 30.5% to 31.5%.

Organic Loan Book Growth

Reported organic loan book growth of $336 million driven by originations of $946 million, lifting receivables to $5.44 billion at quarter end.

Record Quarterly Revenue

Generated record quarterly revenue of $440 million, up 15% from Q3 of last year.

Recognition and Awards

Recognized as one of the best places to work in Ontario and one of Canada's top growing companies.

Successful Senior Unsecured Notes Offering

Launched a senior unsecured notes offering netting CAD 796 million in gross proceeds with a 6.1% coupon.

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
Feb 18, 2026	2025 (Q4)	3.35 / -	3.177	―	―	―
Nov 05, 2025	2025 (Q3)	3.31 / 2.94	3.084	-4.63% (-0.14)
Aug 06, 2025	2025 (Q2)	2.82 / 2.93	2.927	0.24% (<+0.01)
May 07, 2025	2025 (Q1)	3.00 / 2.52	2.734	-7.83% (-0.21)
Feb 13, 2025	2024 (Q4)	3.12 / 3.18	2.862	10.97% (+0.31)
Nov 07, 2024	2024 (Q3)	2.95 / 3.08	2.72	13.39% (+0.36)
Aug 08, 2024	2024 (Q2)	2.87 / 2.93	2.341	25.00% (+0.59)
May 07, 2024	2024 (Q1)	2.72 / 2.73	2.213	23.55% (+0.52)
Feb 13, 2024	2023 (Q4)	2.82 / 2.86	2.177	31.48% (+0.69)
Nov 07, 2023	2023 (Q3)	2.47 / 2.72	2.106	29.15% (+0.61)

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
Nov 05, 2025	$114.72	$93.14	-18.82%
Aug 06, 2025	$134.77	$146.22	+8.50%
May 07, 2025	$114.03	$104.30	-8.53%
Feb 13, 2025	$117.03	$118.05	+0.87%

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 Feb 18, 2026, After Close (Confirmed).

What is goeasy Ltd (EHMEF) earnings time?

goeasy Ltd (EHMEF) earnings time is at Feb 18, 2026, 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 (Q4) is 3.35.

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