The earnings call reflects a generally positive sentiment driven by record loan growth, revenue increase, and improved operational efficiency. However, there are concerns regarding the adjusted operating margin decline and increased credit provisions. The impact of the rate cap on revenue yield also presents a challenge.

Company Guidance

During the goeasy Limited Second Quarter 2025 Earnings Conference Call, the company reported impressive financial metrics, highlighting a record loan book increase of $313 million and a loan origination level of $904 million, which exceeded their previously stated quarterly outlook. The company's receivables reached $5.1 billion, marking a significant milestone from $4.1 billion the previous year. They achieved record quarterly revenue of $408 million, an 11% increase from the same quarter last year, benefiting from a 50 basis point uptick in total yield to 31.8%. Additionally, net charge-offs declined by 50 basis points year-over-year to 8.8%, and the efficiency ratio improved by 130 basis points to 25.6%. The adjusted earnings per share (EPS) stood at $4.11, consistent with the previous year despite the impact of a rate cap, underscoring the resilience of the business model. Looking ahead, the company expects its loan book to finish at the top end of the $5.4 billion to $5.7 billion range for 2025 and plans to affirm its priorities and three-year growth outlook in early 2026.

Record Loan Book Growth

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

Revenue Growth

Record quarterly revenue of $408 million, up 11% from Q2 of last year, driven by improved cash collections and loan growth.

Improved Net Charge-offs

Net charge-offs declined by 50 basis points from the prior year, now at 8.8%, benefiting from secured lending and underwriting enhancements.

Operational Efficiency Gains

Efficiency ratio improved to 25.6%, a reduction of 130 basis points from the previous year, indicating greater operating efficiency.

Strong Funding Position

Issued USD 400 million senior unsecured notes with favorable borrowing cost and maintained approximately $1.74 billion in total funding capacity.

goeasy (TSE:GSY) 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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TSE:GSY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 11, 2025	2025 (Q3)	4.62 / -	4.32	―	―	―
Aug 06, 2025	2025 (Q2)	3.96 / 4.11	4.1	0.24% (+0.01)
May 07, 2025	2025 (Q1)	4.20 / 3.53	3.83	-7.83% (-0.30)
Feb 13, 2025	2024 (Q4)	4.37 / 4.45	4.01	10.97% (+0.44)
Nov 07, 2024	2024 (Q3)	4.13 / 4.32	3.81	13.39% (+0.51)
Aug 08, 2024	2024 (Q2)	4.01 / 4.10	3.28	25.00% (+0.82)
May 07, 2024	2024 (Q1)	3.81 / 3.83	3.1	23.55% (+0.73)
Feb 13, 2024	2023 (Q4)	3.95 / 4.01	3.05	31.48% (+0.96)
Nov 07, 2023	2023 (Q3)	3.46 / 3.81	2.95	29.15% (+0.86)
Aug 09, 2023	2023 (Q2)	3.17 / 3.28	2.83	15.90% (+0.45)

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

TSE:GSY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 06, 2025	C$186.00	C$203.82	+9.58%
May 07, 2025	C$157.48	C$146.51	-6.97%
Feb 13, 2025	C$165.55	C$174.36	+5.32%
Nov 07, 2024	C$175.72	C$174.72	-0.57%

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 (OTC) (TSE:GSY) report earnings?

Goeasy (OTC) (TSE:GSY) is schdueled to report earning on Nov 11, 2025, After Close (Confirmed).

What is Goeasy (OTC) (TSE:GSY) earnings time?

Goeasy (OTC) (TSE:GSY) 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 TSE:GSY EPS forecast?

TSE:GSY EPS forecast for the fiscal quarter 2025 (Q3) is 4.62.

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