YOLFTbeta
goeasy Ltd

goeasy Ltd

GSY · TO · Financial Services / Credit Services

40.30CAD+1.62 (+4.19%)

Price History

Full chart

Market Stats

Previous Close38.68
Open39.13
Day Range38.62 – 41.05
52-Week Range27.60 – 171.06
Volume144.17K
Market Cap695.41M
P/E (TTM)0.00
Forward P/E11.07
EPS-20.87
Dividend Yield17.95%
Beta1.27
50-Day Avg44.58
200-Day Avg64.48

About

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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Patrick Ens
  • Employees2.30K
  • Headquarters33 City Centre Drive, Mississauga, ON, Canada, L5B 2N5, Canada
  • Websitehttps://www.goeasy.com

Leadership

  • Mr. David IngramExecutive Chairman · b. 1966
  • Mr. Patrick EnsCEO & Director · b. 1984
  • Mr. Felix WuChief Financial Officer
  • Mr. Jason AppelExecutive VP & Chief Risk Officer
  • Mr. Michael Anthony EubanksExecutive VP & Chief Information Officer
  • Mr. James ObrightSenior VP of Investor Relations & Capital Markets
  • Ms. Sabrina AnziniExecutive VP & Chief Legal Officer
  • Mr. David CooperExecutive VP & Chief People Officer
  • Mr. Farhan Ali KhanExecutive VP & Head of LendCare
  • Mr. Mark SnyderChief Credit Risk & Data Officer

Financials

Income Statement

Currency: CAD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.10M28.10M50.20M31.30M75.50M75.10M67.37M67.76M72.44M78.09M88.45M103.11M119.57M143.68M162.49M173.35M174.18M188.32M199.67M218.81M259.15M304.27M347.50M401.73M506.19M609.38M652.92M826.72M1.02B1.25B1.52B1.70B
Growth (%)-+450.98%+78.65%-37.65%+141.21%-0.53%-10.30%+0.58%+6.90%+7.80%+13.27%+16.58%+15.96%+20.16%+13.10%+6.68%+0.48%+8.12%+6.03%+9.59%+18.43%+17.41%+14.21%+15.60%+26.00%+20.39%+7.14%+26.62%+23.30%+22.64%+21.86%+11.39%
Cost of Revenue800.00K3.80M5.60M4.70M11.50M11.30M-----------109.20M114.48M119.17M135.06M146.90M154.78M177.75M197.36M211.56M223.25M265.23M311.08M398.48M473.63M527.72M
Gross Profit4.30M24.30M44.60M26.60M64.00M63.80M67.37M67.76M72.44M78.09M88.45M103.11M119.57M143.68M162.49M173.35M174.18M79.12M85.20M99.64M124.09M157.37M192.73M223.98M308.83M397.82M429.68M561.49M708.26M851.59M1.05B1.17B
Gross Margin84.31%86.48%88.84%84.98%84.77%84.95%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%42.01%42.67%45.54%47.88%51.72%55.46%55.75%61.01%65.28%65.81%67.92%69.48%68.12%68.91%68.90%
Operating Expense3.90M21.00M37.00M23.80M57.20M60.00M68.89M64.42M66.71M70.69M78.06M93.70M104.07M123.18M146.57M163.96M164.47M63.85M67.49M74.68M89.50M109.32M130.21M136.59M189.12M229.03M213.24M280.49M375.85M375.07M440.00M231.67M
Operating Income400.00K3.30M7.60M2.80M6.80M3.80M-1.52M3.34M5.73M7.40M10.39M9.41M15.50M20.50M15.92M9.39M9.71M15.27M17.71M24.96M34.59M48.05M62.52M87.39M119.72M168.79M216.44M281.00M332.41M476.52M609.66M937.40M
Operating Margin7.84%11.74%15.14%8.95%9.01%5.06%-2.26%4.92%7.91%9.48%11.74%9.13%12.96%14.27%9.80%5.42%5.57%8.11%8.87%11.41%13.35%15.79%17.99%21.75%23.65%27.70%33.15%33.99%32.61%38.12%40.02%55.25%
EBITDA2.20M14.20M25.40M13.60M34.10M34.00M23.52M26.35M29.77M33.22M37.85M41.93M52.96M63.77M69.24M67.69M62.65M71.48M77.66M88.51M106.65M132.24M150.53M173.57M247.95M336.15M364.99M472.32M603.86M740.46M918.96M1.02B
EBITDA Margin43.14%50.53%50.60%43.45%45.17%45.27%34.92%38.88%41.09%42.54%42.79%40.66%44.29%44.39%42.61%39.05%35.97%37.96%38.90%40.45%41.15%43.46%43.32%43.21%48.98%55.16%55.90%57.13%59.24%59.23%60.33%60.09%
Net Income400.00K1.80M6.40M2.90M5.60M1.80M-6.41M-1.87M2.62M4.03M8.75M5.68M8.98M11.69M8.96M5.05M6.07M9.61M11.06M14.18M19.75M23.73M31.05M36.13M53.12M64.35M136.50M244.94M140.16M247.90M283.11M-178.37M
Net Income Margin7.84%6.41%12.75%9.27%7.42%2.40%-9.51%-2.76%3.61%5.16%9.89%5.51%7.51%8.13%5.51%2.92%3.49%5.10%5.54%6.48%7.62%7.80%8.93%8.99%10.49%10.56%20.91%29.63%13.75%19.83%18.59%-10.51%
R&D----------------------0.1210.69M11.12M12.29M14.19M18.03M23.46M28.40M--
R&D as % of Total Revenue----------------------0.00%2.66%2.20%2.02%2.17%2.18%2.30%2.27%--
Interest Expense0400.00K500.00K900.00K2.90M2.60M7.56M2.32M2.00M1.71M269.00K88.00K254.00K747.00K1.09M1.14M1.24M1.54M2.64M4.96M7.62M13.84M18.99M25.66M46.66M52.68M46.90M66.20M93.85M171.57M4.78M-
Interest Expense % of Total Revenue0.00%1.42%1.00%2.88%3.84%3.46%11.22%3.43%2.76%2.19%0.30%0.09%0.21%0.52%0.67%0.66%0.71%0.82%1.32%2.27%2.94%4.55%5.46%6.39%9.22%8.65%7.18%8.01%9.21%13.73%0.31%-

Balance Sheet

Currency: CAD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets7.50M24.00M64.60M80.30M76.50M67.40M58.32M55.50M58.47M62.01M69.29M77.91M97.05M116.26M138.19M136.24M139.09M159.12M189.93M232.90M319.47M418.50M503.06M749.62M1.06B1.32B1.50B2.60B3.30B4.16B5.19B5.76B
Total Liabilities2.20M10.20M33.00M54.90M46.40M37.60M34.93M28.21M26.05M15.22M14.30M16.81M27.85M36.31M51.54M50.53M47.58M61.58M84.91M97.27M165.50M242.44M307.03M521.37M754.15M986.20M1.06B1.81B2.43B3.11B3.99B4.91B
Total Equity4.90M13.70M31.40M25.40M30.10M29.80M23.39M27.29M32.42M46.79M54.98M61.10M69.19M79.95M86.64M85.71M91.51M97.54M105.01M135.63M153.97M176.06M196.03M228.24M301.53M332.42M443.51M789.91M869.69M1.05B1.20B850.42M
Cash-2.20M14.60M-200.00K---------252.00K291.00K731.00K1.02M4.63M2.33M1.17M11.39M24.93M109.37M100.19M34.74M62.95M82.88M32.45M120.38M251.38M99.46M
Total Debt600.00K4.70M23.90M40.50M32.10M23.20M21.71M21.20M17.23M3.84M2.24M1.11M6.28M13.77M35.89M29.88M20.85M66.25M39.61M61.37M121.60M422.02M263.29M909.49M691.06M907.34M941.65M1.91B2.45B2.89B3.69B4.63B
Net Debt600.00K2.50M9.30M40.50M31.90M23.20M21.71M21.20M17.23M3.84M2.24M1.11M6.28M13.77M35.64M29.59M20.12M65.23M34.98M59.05M120.43M198.91M238.37M339.81M590.87M872.60M878.70M1.83B2.42B2.77B3.44B4.53B

Cash Flow

Currency: CAD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.80M14.50M16.00M15.40M31.10M31.90M3.10M-1.61M4.45M5.98M3.52M3.24M2.30M2.13M-1.26M15.48M10.20M39.85M58.16M18.84M-6.94M-18.12M153.31M-89.39M-211.54M-155.87M74.41M-78.88M-505.88M-473.22M-469.45M-854.62M
Investing Cash Flow-3.60M-22.70M-35.20M-16.00M-22.80M-26.40M-505.88K-741.00K-2.01M-2.44M-1.87M-2.17M-5.77M-7.82M-17.84M-5.11M-5.28M-50.42M-57.35M-57.88M-50.29M-54.92M-177.20M-7.14M-15.62M-45.13M-28.67M-210.63M-42.49M-11.75M3.52M-22.20M
Financing Cash Flow400.00K10.90M26.90M600.00K-8.40M-5.60M-2.60M2.35M-2.44M-3.54M-1.65M-1.07M3.46M5.69M19.11M-10.33M-4.48M10.66M2.81M36.74M56.07M83.26M37.44M180.98M217.98M147.15M973.00K298.94M508.55M566.89M572.73M781.93M
Capital Expenditure3.10M22.70M35.10M16.00M22.80M26.40M1.02M1.14M1.79M3.25M1.75M2.55M6.16M8.25M7.86M5.47M6.23M54.20M67.08M60.66M61.41M55.59M48.95M12.08M16.85M16.86M28.67M27.45M27.89M17.36M10.00M22.20M
Free Cash Flow-1.30M-8.20M-19.10M-600.00K8.30M5.50M2.09M-2.75M2.66M2.73M1.77M685.00K-3.85M-6.12M-9.13M10.01M3.97M-14.35M-8.92M-41.82M-68.35M-73.71M104.36M-101.47M-228.39M-172.73M45.74M-106.32M-533.77M-490.58M-479.45M-876.81M
Dividends Paid---------308.00K485.00K1.41M2.22M2.77M3.40M3.56M3.56M3.91M4.04M4.06M4.53M5.16M6.37M8.90M11.68M16.65M23.89M37.47M51.61M60.95M72.77M87.34M
FCF to OCF-72.22%-56.55%-119.38%-3.90%26.69%17.24%67.24%170.94%59.79%45.70%50.36%21.16%-167.32%-286.64%721.99%64.64%38.95%-36.01%-15.34%-222.00%984.29%406.78%68.07%113.51%107.96%110.82%61.47%134.80%105.51%103.67%102.13%102.60%
Dividend Paid to FCF---------11.27%27.39%205.84%-57.64%-45.32%-37.22%35.59%89.68%-27.27%-45.27%-9.71%-6.62%-7.01%6.11%-8.77%-5.12%-9.64%52.23%-35.25%-9.67%-12.42%-15.18%-9.96%

Earnings

Report DateMar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Aug 8, 2003Oct 30, 2003Mar 1, 2004May 10, 2004Aug 3, 2004Nov 4, 2004Mar 7, 2005May 9, 2005Aug 11, 2005Nov 3, 2005Mar 7, 2006May 16, 2006Aug 9, 2006Nov 7, 2006Mar 6, 2007May 2, 2007Aug 2, 2007Nov 1, 2007Feb 21, 2008Apr 28, 2008Aug 14, 2008Nov 10, 2008Mar 5, 2009May 7, 2009Aug 11, 2009Nov 9, 2009Mar 9, 2010Apr 27, 2010Aug 6, 2010Nov 15, 2010Mar 28, 2011May 31, 2011Aug 3, 2011Nov 8, 2011Mar 5, 2012May 7, 2012Aug 13, 2012Nov 12, 2012Mar 11, 2013May 6, 2013Aug 8, 2013Nov 6, 2013Mar 5, 2014May 7, 2014Jul 30, 2014Nov 6, 2014Feb 18, 2015May 4, 2015Jul 30, 2015Nov 3, 2015Feb 17, 2016May 2, 2016Aug 2, 2016Nov 3, 2016Feb 15, 2017May 2, 2017Aug 1, 2017Nov 1, 2017Feb 20, 2018May 1, 2018Aug 7, 2018Nov 7, 2018Feb 13, 2019May 7, 2019Aug 7, 2019Nov 4, 2019Feb 12, 2020May 6, 2020Aug 12, 2020Nov 3, 2020Feb 17, 2021May 11, 2021Aug 5, 2021Nov 3, 2021Feb 16, 2022May 11, 2022Aug 10, 2022Nov 10, 2022Feb 15, 2023May 9, 2023Aug 9, 2023Nov 7, 2023Feb 13, 2024May 7, 2024Aug 8, 2024Nov 7, 2024Feb 13, 2025May 7, 2025Aug 6, 2025Nov 5, 2025Mar 31, 2026May 5, 2026Aug 6, 2026Nov 5, 2026
EPS Estimate--------0.13-----0.22-0.23-0.230.26--0.280.290.370.330.280.260.260.300.250.230.250.250.220.230.240.250.230.230.270.250.220.250.270.280.290.280.330.350.310.330.320.350.430.490.520.550.610.660.630.620.790.790.750.800.941.001.181.241.411.411.431.351.721.922.242.452.772.622.852.742.782.893.023.173.463.923.814.024.134.374.203.964.63-8.33-0.81-1.11-0.28
EPS Actual0.080.090.070.120.100.060.150.200.150.140.410.170.16-0.010.200.170.230.170.260.240.330.270.260.300.330.210.140.170.260.180.080.180.240.330.160.140.200.230.150.230.230.200.220.200.240.260.310.330.340.330.330.440.350.360.450.540.520.570.360.600.730.630.810.790.770.820.971.031.181.261.281.451.411.882.002.242.341.362.702.762.722.832.953.053.103.283.814.013.834.104.324.453.534.114.12-8.93-20.521.02-
Surprise--------15.38%------9.09%-0.00%-13.04%-7.69%---7.14%3.45%-10.81%-36.36%-50.00%-34.62%0.00%-40.00%-68.00%-21.74%-4.00%32.00%-27.27%-39.13%-16.67%-8.00%-34.78%0.00%-14.81%-20.00%0.00%-20.00%-11.11%-7.14%6.90%17.86%3.03%-5.71%6.45%33.33%9.38%2.86%4.65%10.20%0.00%3.64%-40.98%-9.09%15.87%1.61%2.53%0.00%2.67%2.50%3.19%3.00%0.00%1.61%-9.22%2.84%-1.40%39.26%16.28%16.67%4.46%-44.49%-2.53%5.34%-4.56%3.28%6.12%5.54%2.65%3.47%10.12%2.30%0.52%1.99%4.60%1.83%-15.95%3.79%-11.02%-7.20%-2442.06%191.89%-
Timing--------After-hours-----After-hours-------After-hours-After-hoursPre-marketAfter-hoursAfter-hours-After-hoursAfter-hours-After-hoursPre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap695.41M
Enterprise Value4.99B
Trailing P/E0.00
Forward P/E11.07
PEG Ratio0.00
Price / Sales2.42
Price / Book0.86
EPS-20.87
Book Value49.65
Revenue (TTM)287.25M
Gross Profit (TTM)287.25M
Profit Margin-120.33%
Operating Margin11.39%
Return on Equity-34.42%
Return on Assets-6.22%
Shares Outstanding16.03M
Shares Float10.34M
Beta1.27
Dividend Yield17.95%
Dividend Rate5.84
Payout Ratio40.48%

Dividends

20254×
1.46Dec 24, 20251.46Sep 26, 20251.46Jun 27, 20251.46Mar 28, 2025
202416×
1.17Dec 27, 20240.20Dec 23, 20240.23Nov 18, 20240.21Oct 21, 20241.17Sep 27, 20240.22Sep 23, 20240.23Aug 19, 20240.22Jul 22, 20241.17Jun 28, 20240.23Jun 24, 20240.23May 20, 20240.22Apr 22, 20241.17Mar 27, 20240.22Mar 18, 20240.23Feb 20, 20240.22Jan 22, 2024
20234×
0.96Dec 28, 20230.39Dec 18, 20230.22Nov 20, 20230.22Oct 23, 2023

Stock Splits

  • May 25, 20053:2
  • Aug 6, 20021:10