goeasy Valuation

Q: What is the Fair Price of GSY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

GSY (CA$174.61) is trading below our estimate of [[fair value]] (CA$350.28)

Is GSY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of GSY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: GSY (CA$174.61) is trading below our estimate of fair value (CA$350.28)

Significantly Below Fair Value: GSY is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for GSY?

Other financial metrics that can be useful for relative valuation.

The above table shows the n/a ratio for GSY. This is calculated by dividing GSY's market cap by their current preferred multiple.
What is GSY's n/a Ratio?
n/a	0x
n/a	n/a
Market Cap	CA$2.98b

GSY key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	0.7x

Price to Earnings Ratio vs Peers

How does GSY's PE Ratio compare to its peers?

The above table shows the PE ratio for GSY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	29.5x
PRL Propel Holdings	22.4x	37.3%	CA$1.2b
CXI Currency Exchange International	15.1x	47.4%	CA$162.2m
FN First National Financial	13.7x	15.9%	CA$2.4b
EPF Everyday People Financial	66.6x	n/a	CA$44.2m
GSY goeasy	11.1x	16.8%	CA$3.0b

Price-To-Earnings vs Peers: GSY is good value based on its Price-To-Earnings Ratio (11.1x) compared to the peer average (29.5x).

Price to Earnings Ratio vs Industry

How does GSY's PE Ratio compare vs other companies in the North American Consumer Finance Industry?

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	12.8%
	n/a	n/a	n/a

Fetching data

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	12.8%
	n/a	n/a	n/a

No more companies

Price-To-Earnings vs Industry: GSY is good value based on its Price-To-Earnings Ratio (11.1x) compared to the North American Consumer Finance industry average (11.5x).

Price to Earnings Ratio vs Fair Ratio

What is GSY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

GSY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	11.1x
Fair PE Ratio	15.1x

Price-To-Earnings vs Fair Ratio: GSY is good value based on its Price-To-Earnings Ratio (11.1x) compared to the estimated Fair Price-To-Earnings Ratio (15x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst GSY forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	CA$174.61	CA$235.25 +34.7%	11.7%	CA$300.00	CA$202.00	n/a	8
Oct ’25	CA$180.75	CA$236.25 +30.7%	10.7%	CA$300.00	CA$215.00	n/a	8
Sep ’25	CA$189.67	CA$236.25 +24.6%	10.7%	CA$300.00	CA$215.00	n/a	8
Aug ’25	CA$199.84	CA$232.22 +16.2%	10.8%	CA$300.00	CA$215.00	n/a	9
Jul ’25	CA$197.12	CA$224.78 +14.0%	12.6%	CA$300.00	CA$200.00	n/a	9
Jun ’25	CA$182.54	CA$223.80 +22.6%	12.1%	CA$300.00	CA$200.00	n/a	10
May ’25	CA$178.72	CA$210.80 +17.9%	14.7%	CA$300.00	CA$190.00	n/a	10
Apr ’25	CA$157.52	CA$202.78 +28.7%	17.4%	CA$300.00	CA$175.00	n/a	9
Mar ’25	CA$169.67	CA$202.78 +19.5%	17.4%	CA$300.00	CA$175.00	n/a	9
Feb ’25	CA$151.77	CA$191.00 +25.8%	21.1%	CA$300.00	CA$160.00	n/a	9
Jan ’25	CA$158.06	CA$180.20 +14.0%	23.2%	CA$300.00	CA$145.00	n/a	10
Dec ’24	CA$138.21	CA$180.20 +30.4%	23.2%	CA$300.00	CA$145.00	n/a	10
Nov ’24	CA$114.10	CA$175.20 +53.5%	24.7%	CA$300.00	CA$145.00	CA$174.61	10
Oct ’24	CA$106.63	CA$176.20 +65.2%	24.4%	CA$300.00	CA$140.00	CA$180.75	10
Sep ’24	CA$127.00	CA$176.20 +38.7%	24.4%	CA$300.00	CA$140.00	CA$189.67	10
Aug ’24	CA$127.45	CA$165.60 +29.9%	28.7%	CA$300.00	CA$117.00	CA$199.84	10
Jul ’24	CA$110.58	CA$162.10 +46.6%	29.9%	CA$300.00	CA$117.00	CA$197.12	10
Jun ’24	CA$106.80	CA$162.10 +51.8%	29.9%	CA$300.00	CA$117.00	CA$182.54	10
May ’24	CA$91.44	CA$161.80 +76.9%	31.2%	CA$300.00	CA$117.00	CA$178.72	10
Apr ’24	CA$95.49	CA$166.78 +74.7%	30.4%	CA$300.00	CA$130.00	CA$157.52	9
Mar ’24	CA$124.70	CA$197.33 +58.2%	18.8%	CA$300.00	CA$170.00	CA$169.67	9
Feb ’24	CA$126.75	CA$196.89 +55.3%	19.2%	CA$300.00	CA$165.00	CA$151.77	9
Jan ’24	CA$106.45	CA$198.00 +86.0%	19.1%	CA$300.00	CA$165.00	CA$158.06	9
Dec ’23	CA$122.24	CA$198.00 +62.0%	19.1%	CA$300.00	CA$165.00	CA$138.21	9
Nov ’23	CA$111.59	CA$199.78 +79.0%	20.8%	CA$300.00	CA$160.00	CA$114.10	9

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.