goeasy Ltd (TSE:GSY)
TSX:GSY
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GSY Stock Chart & Stats
C$32.54
C$0.17(0.10%)
At close: 4:00 PM EST
C$32.54
C$0.17(0.10%)
Day’s Range― - ―
52-Week RangeC$27.60 - C$216.50
Previous CloseN/A
Volume22.21K
Average Volume (3M)140.74K
Market Cap
C$667.00M
Enterprise ValueC$5.07B
Total Cash (Recent Filing)C$356.24M
Total Debt (Recent Filing)C$4.80B
Price to Earnings (P/E)―
Beta1.55
Next Earnings
Aug 12, 2026EPS Estimate
-0.92Next Dividend Ex-DateN/A
Dividend Yield4.48%
Share Statistics
EPS (TTM)-16.36
Shares Outstanding16,033,684
10 Day Avg. Volume123,373
30 Day Avg. Volume140,740
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)2.55
Price to Sales (P/S)1.28
P/FCF Ratio-2.48
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
C$38.17Price Target Upside17.29% Upside
Rating ConsensusHold
Number of Analyst Covering9
EPS Forecast (FY)-1.23
Revenue Forecast (FY)C$1.59B
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained top-line expansion driven by loan book growth supports scale economics and operational leverage. Over 2–6 months this underpins capacity to invest in underwriting, absorb cyclical credit loss volatility, and maintain product distribution across unsecured, POS and leasing channels.
Operating ProfitabilityHigh gross and operating margins create a structural earnings buffer that helps the company absorb above‑the‑line credit and funding pressures. Margin strength supports reinvestment in collections, technology and originations discipline, aiding durable competitiveness if maintained.
Direct-to-Consumer FranchiseEasyfinancial's relatively better credit performance and controllable origination mix provide a durable foundation to rebuild returns. Prioritizing DTC reduces reliance on volatile merchant-originated pools and can improve portfolio credit quality and margin stability over the medium term.
Bears Say
High LeverageA ~6x debt-to-equity structure materially reduces financial flexibility and elevates refinancing and coupon risk. Over months this increases sensitivity to funding disruptions, limits capacity to absorb losses, and constrains strategic choices like growth or capital returns.
Negative Cash GenerationPersistent negative operating and free cash flow forces ongoing reliance on external funding and liquidity facilities. This structural cash burn heightens conditionality on credit lines and raises execution risk for originations and remediation efforts over the coming months.
Elevated Credit LossesVery high net charge-off rates, concentrated in merchant-originated portfolios, drive volatile provisions and larger allowances. Persistently elevated credit losses will depress net income, require more capital rebuild or funding, and complicate steady portfolio growth over the medium term.
goeasy News
GSY FAQ
What was goeasy Ltd’s price range in the past 12 months?
goeasy Ltd lowest stock price was C$27.60 and its highest was C$216.50 in the past 12 months.
What is goeasy Ltd’s market cap?
goeasy Ltd’s market cap is C$667.00M.
When is goeasy Ltd’s upcoming earnings report date?
goeasy Ltd’s upcoming earnings report date is Aug 12, 2026 which is in 52 days.
How were goeasy Ltd’s earnings last quarter?
Currently, no data Available
Is goeasy Ltd overvalued?
According to Wall Street analysts goeasy Ltd’s price is currently Undervalued.
Does goeasy Ltd pay dividends?
goeasy Ltd pays a Quarterly dividend of C$1.46 which represents an annual dividend yield of 4.48%. See more information on goeasy Ltd dividends here
What is goeasy Ltd’s EPS estimate?
goeasy Ltd’s EPS estimate is -0.92.
How many shares outstanding does goeasy Ltd have?
goeasy Ltd has 16,033,684 shares outstanding.
What happened to goeasy Ltd’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of goeasy Ltd?
Currently, no hedge funds are holding shares in TSE:GSY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
goeasy Stock Smart Score
Underperform
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Analyst Consensus
Hold
Average Price Target:
C$38.17 (17.29% Upside)
C$38.17 (17.29% Upside)
Blogger Sentiment
Neutral
TSE:GSY Sentiment 50%
Sector Average ―
Sector Average ―
Technicals
SMA
Negative
20 days / 200 days
Momentum
-13.11%
12-Months-Change
Fundamentals
Return on Equity
18.88%
Trailing 12-Months
Asset Growth
23.13%
Trailing 12-Months
Company Description
goeasy Ltd
goeasy Ltd. (GSY.TO) is a Canadian company that provides financial services, specifically non-prime lending and leasing options, to consumers. Its operations are divided into two main business segments. The Easyfinancial division offers a variety of credit products, including unsecured installment loans, loans secured by real estate, personal loans, home equity loans, and auto loans. It also facilitates point-of-sale financing for purchases, provides funding for small businesses, and delivers supplementary value-added services. The Easyhome division specializes in leasing household items such as furniture, appliances, electronics, and computers to retail customers, in addition to offering unsecured lending. As of December 31, 2021, goeasy operated 294 Easyfinancial branches, which included 8 kiosk locations, and 158 Easyhome stores, with 34 of those being franchises. The company, founded in 1990 and headquartered in Mississauga, Canada, rebranded from easyhome Ltd. to goeasy Ltd. in September 2015.
GSY Company Deck
GSY Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mixed picture: management highlighted strong operating cash generation, on-target performance against prior Q1 guidance, defensive actions (workforce reductions, tightened merchant originations) and a path to refocus growth on the healthier direct-to-consumer franchise. However, these positives were offset by meaningful near-term challenges — an adjusted net loss, elevated net charge-offs largely tied to merchant-originated auto and powersports loans, a sizable build in credit provisions, ongoing remediation of a control deficiency, conditional access to material liquidity, and a pullback in originations that contracted the loan book sequentially. Management articulated a clear plan and reiterated mid-teens net charge-off expectations for the year, but execution and timing risks remain salient.View all TSE:GSY earnings summariesGSY Stock 12 Month Forecast
Average Price Target
C$38.17
▲(17.29% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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