goeasy Ltd.

goeasy Ltd.

42.84
CAD
-0.36
(-0.83%)
699.41MMarket Cap
Nov 05Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
17.87
19.27
22.44
25.63
29.66
36.04
41.64
44.07
51.03
62.63
74.11
89.79
102.59
- -
Basic EPS, GAAP
1.16
1.47
1.75
2.29
2.67
3.78
4.4
9.21
15.12
8.61
14.7
15.46
-10.78
- -
Free Cash Flow per Basic Share
-3.42
-5.08
-5.47
7.7
-7.49
-16.26
-11.8
3.09
-6.56
-32.8
-29.09
-28.81
-53.01
- -
Dividend per Share
0.33
0.34
0.38
0.47
0.66
0.83
1.14
1.61
2.31
3.17
3.61
4.26
5.28
2.74
Book Value per Share
10.21
11.55
13.13
14.71
16.94
20.93
23.17
29.97
48.76
52.88
63.4
71.02
53.06
49.65
Tangible Book Value per Share
7.99
9.23
10.49
12.04
14.23
18.44
20.45
26.82
27.74
33.44
45.01
53.48
45.24
41.94
Basic Weighted Avg Shares
12
13
14
14
14
14
15
15
16
16
17
17
17
16
Sales/Revenue/Turnover
219
259
304
348
402
506
609
653
827
1,019
1,250
1,535
1,697
- -
Operating Margin (%)
15.87
19.41
25.03
27.68
30.21
38.71
44.6
45.99
47.59
51.26
52.33
55.16
55.25
- -
Depreciation Expense
54
56
56
54
52
52
64
65
79
81
86
84
82
- -
Net Income, GAAP
14
20
24
31
36
53
64
137
245
140
248
264
-178
- -
Effective Tax Rate (%)
26.62
23.44
27.48
25.13
28.53
28.13
28.11
25.48
22.7
28.41
26.43
26.93
- -
- -
Profit Margin (%)
6.48
7.62
7.8
8.93
8.99
10.49
10.56
20.91
29.63
13.75
19.83
17.21
-10.51
- -
Working Capital
12
68
121
152
573
827
916
975
1,899
2,588
3,429
4,293
5,116
4,833
LT Debt
38
120
212
263
449
691
795
743
1,618
2,304
2,890
3,692
4,625
4,448
Total Equity
136
154
176
196
228
302
332
444
790
870
1,054
1,182
850
796
Return on Invested Capital (%)
10.47
11.05
10.45
11.01
10.87
10.2
10.81
12.2
10.52
7.87
9.62
9.65
- -
- -
Return on Capital (%)
10.44
10.83
10.18
10.69
9.58
10.38
9.16
13.06
14.49
6.89
6.82
5.99
- -
- -
Return on Common Equity (%)
11.79
13.64
14.38
16.69
17.03
20.06
20.3
35.18
39.72
16.89
25.77
23.63
-17.55
- -

Capital Structure

CAD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
4,566
4,743
4,389
LT Finance Leases
59
58
59
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
16
16
16
Market Capitalization
2,090
613
699

Working Capital

CAD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
5,347
5,403
5,058
Cash, Cash Equivalents & STI
99
218
149
Accounts Receivable, Net
169
160
146
Inventories
- -
- -
- -
Total Current Liabilities
231
195
225
Payables & Accruals
200
165
195
ST Debt
- -
- -
- -
Deferred Revenue
31
30
30

Growth Rates

CAD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
19.7%
18.7%
-28.06%
Free Cash Flow
-32.37%
27.98%
78.05%
Net Income, GAAP
18.01%
-9.48%
-167.51%
Sales/Revenue/Turnover
18.92%
21.18%
10.55%
Total Cash Common Dividend
33.24%
30.42%
20.02%

Quarterly Revenue

CAD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
357
378
383
405
1,535
2025
405
431
- -
446
1,697
2026
413
390
- -
- -
- -

Quarterly Earnings Per Share

CAD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.46
3.82
4.95
4.46
15.46
2025
2.3
5.55
- -
-20.52
-10.78
2026
-3.22
0.96
- -
- -
- -

Quarterly Dividends Per Share

CAD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.91
1.11
1.11
1.16
4.26
2025
1.13
1.4
- -
1.38
5.28
2026
1.37
- -
- -
- -
- -

Company Description

CEO
Patrick Ens
Full Time Employees
2,600
Sector
Finance
Industry
Finance/Rental/Leasing
Address
33 City Centre Drive Mississauga ON Canada L5B 2N5
IPO Date
May 3, 1995
Website
goeasy.com
Business
goeasy Ltd. is a Canadian alternative financial services company that provides non-prime leasing and lending services to consumers through its easyfinancial, easyhome, and LendCare brands; easyfinancial offers unsecured and secured installment loans including personal loans, home equity loans, and real estate-secured products; easyhome provides lease-to-own options for household furniture, appliances, electronics, and other durable goods; and LendCare delivers point-of-sale financing for consumer purchases in retail, powersports, automotive, home improvement, healthcare, and related verticals. The company operates an omnichannel model enabling transactions via online and mobile platforms, over 400 branches and kiosks across Canada, and partnerships with more than 11,000 merchants nationwide. Founded in 1990 and headquartered in Mississauga, Ontario, goeasy Ltd. serves non-prime borrowers seeking credit rebuilding opportunities, with its loan portfolio surpassing $5 billion in recent periods and total historical originations exceeding C$17.5 billion. In recent developments, the company closed an upsized offering of US$450 million senior unsecured notes due 2031 and C$175 million notes due 2030 in August 2025 to bolster its C$2.3 billion funding capacity; renewed its C$1.4 billion securitization warehouse facility through October 2026 and amended its revolving credit facility to $550 million maturing in July 2027; approved a normal course issuer bid in December 2024 to repurchase up to 1.3 million shares through December 2025; reported third-quarter 2025 loan originations of $946 million, up 13% year-over-year, with nine-month totals reaching $2.53 billion; and announced on December 2, 2025, that CEO Dan Rees will step down effective December 31, 2025, due to health reasons, with Patrick Ens, current president of easyfinancial, succeeding as CEO on January 1, 2026.

Company News

  • Analyzing goeasy (OTCMKTS:EHMEF) & OneMain (NYSE:OMF)

  • goeasy Ltd. (GSY:CA) Q2 2026 Earnings Call Transcript

  • goeasy: Vital Quarters Ahead Of Us, A Detailed Analysis

  • goeasy Q1 Earnings Call Highlights

  • goeasy Ltd. (GSY:CA) Q1 2026 Earnings Call Transcript

  • goeasy: Catching A Falling Knife, Carefully

  • goeasy Ltd. (GSY:CA) Q4 2025 Earnings Call Transcript

  • WAARSCHUWING VOOR BELEGGERS: Collectieve rechtsvordering van aandeelhouders tegen Goeasy Ltd.

  • ANLEGERHINWEIS: Goeasy Ltd. Aktionärssammelklage

  • ALERTE AUX INVESTISSEURS : Recours collectif d'actionnaires de Goeasy Ltd.

  • Berger Montague PC Investigating Potential Claims on Behalf of goeasy Ltd. Investors (OTC: EHMEF)

  • Berger Montague PC Investigating Potential Claims on Behalf of goeasy Ltd. Investors (EHMEF)

  • goeasy's Investment Thesis Got Crushed Overnight, Don't Buy The Dip

  • Goeasy Investor Alert: SMK Law Investigates Possible Class Action Against Goeasy Ltd.

  • Berger Montague PC Investigating Potential Claims on Behalf of goeasy Ltd. Investors (OTC: EHMEF)

  • What the Goeasy Stock Crash Means for Canadian ETFs

  • goeasy Ltd. (OTCMKTS:EHMEF) Given Average Rating of “Moderate Buy” by Brokerages

  • goeasy (OTCMKTS:EHMEF) Trading 0.2% Higher – Here’s What Happened

  • goeasy: The Business Is Good, The Timing Not So Much

  • goeasy Ltd. (GSY:CA) Q3 2025 Earnings Call Transcript