goeasy（1ES）株式概要goeasy Ltd.はカナダの消費者にeasyhome、easyfinancial、LendCareのブランドでノンプライムリースと融資サービスを提供している。 詳細1ES ファンダメンタル分析スノーフレーク・スコア評価2/6将来の成長5/6過去の実績0/6財務の健全性2/6配当金0/6報酬収益は年間118.02%増加すると予測されています リスク分析負債は営業キャッシュフローで十分にカバーされていない German市場と比較して、過去 3 か月間の株価の変動が非常に大きいすべてのリスクチェックを見る1ES Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair Value€Current Price€22.4084.5% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-291m2b2016201920222025202620282031Revenue CA$2.4bEarnings CA$483.8mAdvancedSet Fair ValueView all narrativesgoeasy Ltd. 競合他社Eleving GroupSymbol: DB:OT8Market cap: €187.8mErnst RussSymbol: XTRA:ERAGMarket cap: €286.4mDeutsche BalatonSymbol: HMSE:BBHKMarket cap: €296.5mLang & SchwarzSymbol: XTRA:LUS1Market cap: €271.8m価格と性能株価の高値、安値、推移の概要goeasy過去の株価現在の株価CA$22.4052週高値CA$133.2052週安値CA$17.30ベータ1.291ヶ月の変化15.40%3ヶ月変化-69.44%1年変化-76.04%3年間の変化-68.76%5年間の変化-77.49%IPOからの変化0.63%最新ニュースお知らせ • Apr 28+ 1 more updateDavid Appel and Jason Mullins Decline Re-Election to Board of goeasy Ltdgoeasy Ltd. announced that David Appel and Jason Mullins will not stand for re-election to the Board at the Annual General and Special Meeting of Shareholders to be held on May 20, 2026.お知らせ • Apr 02Goeasy Ltd. Reports Net Charge Offs and Impairment of Goodwill for the Fourth Quarter Ended December 31, 2025; Provides Net Charge Offs Guidance for First Quarter of 2026 and Full Year 2026goeasy Ltd. reported charge offs and impairment of goodwill for the fourth quarter ended December 31, 2025 and provided net Charge Offs Guidance for First Quarter of 2026 and Full Year 2026. For the fourth quarter ended December 31, 2025, the company reported net charge offs of CAD 331,133,000 compared to CAD 103,910,000 a year ago. The Company recorded a CAD 159,613,000 goodwill impairment charge related to its LendCare business. For the first quarter of 2026, company expects to incur net charge offs in range of 17.5% to 18.5%. For full year. company Expected net charge offs to decrease from 23.8% in the fourth quarter of 2025 to the mid-teens for full year 2026; improvement is expected as the year progresses.お知らせ • Mar 24goeasy Ltd., Annual General Meeting, May 20, 2026goeasy Ltd., Annual General Meeting, May 20, 2026.お知らせ • Mar 16Kalloghlian Myers LLP Files Class Action Against goeasy Ltd. and Its Auditor Ernst & Young LLPKalloghlian Myers LLP has filed an investor class action against goeasy Ltd., its directors and officers and its auditor Ernst & Young LLP. The class action is on behalf of all persons, other than certain excluded persons, who acquired goeasy's securities between May 9, 2023 and March 10, 2026. On September 22, 2025, Jehoshaphat Research issued a report titled, "Jehoshaphat Research is Short goeasy ltd (GSY CN)" alleging that goeasy had understated its credit losses. Six months later, on March 10, 2026, goeasy issued another press release announcing, among other things, a charge off in Fourth Quarter 2025 of approximately $178 million against gross consumer loans receivable; a related write down of approximately $55 million for loan interest and fees; and revisions to prior period results arising from a correction of historical reporting practices. This class action alleges that goeasy made misrepresentations in its public disclosure and seeks compensation for the benefit of class members.お知らせ • Mar 11+ 1 more updateGoeasy Ltd. Withdraws Fourth Quarter 2025 and Three Year Forecastgoeasy Ltd. withdrawn previously issued Fourth Quarter 2025 outlook and three-year forecast.お知らせ • Feb 23goeasy Ltd. to Report Q4, 2025 Results on Mar 25, 2026goeasy Ltd. announced that they will report Q4, 2025 results After-Market on Mar 25, 2026最新情報をもっと見るRecent updatesお知らせ • Apr 28+ 1 more updateDavid Appel and Jason Mullins Decline Re-Election to Board of goeasy Ltdgoeasy Ltd. announced that David Appel and Jason Mullins will not stand for re-election to the Board at the Annual General and Special Meeting of Shareholders to be held on May 20, 2026.お知らせ • Apr 02Goeasy Ltd. Reports Net Charge Offs and Impairment of Goodwill for the Fourth Quarter Ended December 31, 2025; Provides Net Charge Offs Guidance for First Quarter of 2026 and Full Year 2026goeasy Ltd. reported charge offs and impairment of goodwill for the fourth quarter ended December 31, 2025 and provided net Charge Offs Guidance for First Quarter of 2026 and Full Year 2026. For the fourth quarter ended December 31, 2025, the company reported net charge offs of CAD 331,133,000 compared to CAD 103,910,000 a year ago. The Company recorded a CAD 159,613,000 goodwill impairment charge related to its LendCare business. For the first quarter of 2026, company expects to incur net charge offs in range of 17.5% to 18.5%. For full year. company Expected net charge offs to decrease from 23.8% in the fourth quarter of 2025 to the mid-teens for full year 2026; improvement is expected as the year progresses.お知らせ • Mar 24goeasy Ltd., Annual General Meeting, May 20, 2026goeasy Ltd., Annual General Meeting, May 20, 2026.お知らせ • Mar 16Kalloghlian Myers LLP Files Class Action Against goeasy Ltd. and Its Auditor Ernst & Young LLPKalloghlian Myers LLP has filed an investor class action against goeasy Ltd., its directors and officers and its auditor Ernst & Young LLP. The class action is on behalf of all persons, other than certain excluded persons, who acquired goeasy's securities between May 9, 2023 and March 10, 2026. On September 22, 2025, Jehoshaphat Research issued a report titled, "Jehoshaphat Research is Short goeasy ltd (GSY CN)" alleging that goeasy had understated its credit losses. Six months later, on March 10, 2026, goeasy issued another press release announcing, among other things, a charge off in Fourth Quarter 2025 of approximately $178 million against gross consumer loans receivable; a related write down of approximately $55 million for loan interest and fees; and revisions to prior period results arising from a correction of historical reporting practices. This class action alleges that goeasy made misrepresentations in its public disclosure and seeks compensation for the benefit of class members.お知らせ • Mar 11+ 1 more updateGoeasy Ltd. Withdraws Fourth Quarter 2025 and Three Year Forecastgoeasy Ltd. withdrawn previously issued Fourth Quarter 2025 outlook and three-year forecast.お知らせ • Feb 23goeasy Ltd. to Report Q4, 2025 Results on Mar 25, 2026goeasy Ltd. announced that they will report Q4, 2025 results After-Market on Mar 25, 2026お知らせ • Dec 03goeasy Ltd. Announces CEO Changesgoeasy Ltd. announced that Dan Rees will step down as Chief Executive Officer effective December 31, 2025, due to a blood disorder that requires him to resign from his position. The Board of Directors will appoint Patrick Ens, currently President of easyfinancial, as the Company's next Chief Executive Officer, effective January 1, 2026. To ensure continuity, Mr. Rees will serve as Special Advisor to the CEO from January 1 through June 30, 2026. The Board's decision to appoint Patrick Ens reflects a thoughtful succession planning process that identified him (externally) in 2023 as a high-potential future CEO. He joined goeasy in 2024, after a successful 17-year tenure with Capital One Canada before joining goeasy. Prior to being appointed President of Capital One Canada in 2021, Patrick held numerous other executive positions within the marketing, risk and product functions, after beginning his career there as a risk analyst. At goeasy, Patrick has demonstrated exceptional strategic leadership, his deep expertise in consumer lending and credit, and a proven ability to elevate high-performing teams. Under his guidance, easyfinancial has experienced some of its strongest periods of balanced growth. Patrick obtained a Bachelor of Commerce from Queen's University in 2006 and was recently appointed to the Board of Directors of the Canadian Lenders Association in 2025.お知らせ • Nov 07goeasy Ltd. announces Quarterly dividend, payable on January 09, 2026goeasy Ltd. announced Quarterly dividend of CAD 1.4600 per share payable on January 09, 2026, ex-date on December 26, 2025 and record date on December 26, 2025.お知らせ • Oct 22goeasy Ltd. to Report Q3, 2025 Results on Nov 05, 2025goeasy Ltd. announced that they will report Q3, 2025 results After-Market on Nov 05, 2025お知らせ • Oct 02Goeasy Ltd. Appoints Felix Wu as Interim CFO, Effective September 30, 2025goeasy Ltd. announced that Felix Wu has been appointed as the Interim Chief Financial Officer (CFO), Effective September 30, 2025. This positive development follows the announcement made on September 16th, 2025 of current CFO Hal Khouri's upcoming departure from the company following the completion of third quarter reporting in November 2025. Mr. Wu is a well-regarded financial services executive bringing over 20 years of financial and operational experience to goeasy, including significant exposure to non-prime lending. He most recently served as CFO for KOHO, a leading Canadian fintech, where he strengthened the finance, risk, and compliance functions while overseeing debt and equity activities that helped guide the company through a period of significant revenue growth. Prior to that he was at President's Choice Financial as CFO and Chief Operating Officer, and at Capital One Canada as Chief Risk Officer and CFO earlier in his career. Mr. Wu's track record in capital markets, corporate finance and operational leadership underscore his strong technical expertise and makes him an excellent fit for the company. Mr. Wu's engagement at the company will include his oversight of year-end reporting and the first quarter of 2026, ensuring a seamless transition of responsibilities and continuity until a new CFO is appointed. A comprehensive search process to identify Mr. Khouri's permanent successor is already underway.お知らせ • Sep 18goeasy Ltd. Announces Hal Khouri Leaves as Chief Financial Officergoeasy Ltd. on September 16, 2025 announced that Hal Khouri, Chief Financial Officer, will be leaving the Company following the completion of third quarter reporting in November 2025 to pursue a new opportunity outside of Canada. Since joining goeasy in 2019, Mr. Khouri has played a central role in the Company's financial strategy and capital markets execution, which has enabled the organization's growth. He has been instrumental in strengthening goeasy's balance sheet, enhancing financial reporting, and supporting the organization's strong track record of shareholder value creation. In addition to the formal comprehensive search process that has been initialized to identify Mr. Khouri's permanent successor, the Company has made significant progress toward identifying an Interim Chief Financial Officer and anticipates that it will be in a position to provide further details in the coming weeks. This approach will ensure a seamless transition of responsibilities and continuity from Mr. Khouri's tenure until the new CFO is appointed.お知らせ • Aug 08goeasy Ltd. Approves Quarterly Dividend, Payable on October 10, 2025The Board of Directors of goeasy Ltd. has approved a quarterly dividend of CAD 1.46 per share, payable on October 10, 2025 to the holders of common shares of record as at the close of business on September 26, 2025.お知らせ • Jul 23goeasy Ltd. to Report Q2, 2025 Results on Aug 06, 2025goeasy Ltd. announced that they will report Q2, 2025 results After-Market on Aug 06, 2025お知らせ • Jul 02goeasy Ltd. Announces Executive Changesgoeasy Ltd. announced the appointment of James Obright as Senior Vice-President of Investor Relations & Capital Markets. James Obright brings over 20 years of experience in investment banking and capital markets, with a proven track record of leading complex equity transactions across multiple sectors, including many of the most notable financings in the Canadian Financial Services market. Most recently, he served as Managing Director in the Canadian Equity Capital Markets group at RBC, where he acted as the lead advisor on a broad range of equity and equity-linked transactions. James replaces Farhan Ali Khan who has progressed to assume the position of Chief Revenue Officer of LendCare, goeasy's point-of-sale financing division. James also brings to goeasy valuable international experience, having worked in London, UK, with RBC's Global Mining & Metals investment banking team. He worked at UBS Investment Bank in corporate finance and equity capital markets earlier in his career. He holds an Honours Business Administration degree and an MBA from the Ivey Business School at Western University. In his new role, James will report to Hal Khouri, goeasy's CFO, and lead the Company's investor relations function and oversee the capital markets strategy, with a focus on strengthening shareholder engagement and supporting goeasy's funding initiatives as it targets ambitious growth in loan originations and product expansion.お知らせ • May 09goeasy Ltd. announces Quarterly dividend, payable on July 11, 2025goeasy Ltd. announced Quarterly dividend of CAD 1.4600 per share payable on July 11, 2025, ex-date on June 27, 2025 and record date on June 27, 2025.お知らせ • Apr 23goeasy Ltd. to Report Q1, 2025 Results on May 07, 2025goeasy Ltd. announced that they will report Q1, 2025 results After-Market on May 07, 2025お知らせ • Mar 03goeasy Ltd. Announces Appointment of Dan Rees as Chief Executive Officergoeasy Ltd. announced the appointment of Dan Rees as Chief Executive Officer. Dan Rees joins goeasy following a successful 25-year career with Scotiabank where he held progressively senior executive roles. From 2019 to 2024, Dan served as Scotiabank's Group Head of Canadian Banking where he demonstrated a track record of driving impressive results while leading the largest revenue portfolio of $13 billion and a lending portfolio of approximately $450 billion at the bank. He oversaw eight distribution channels spanning retail, small business, commercial and insurance for Canadian Banking, and ultimately strengthened the bank's competitive position. His tenure was marked by generating new revenue opportunities, developing continuous improvement initiatives, and boosting Scotiabank's customer satisfaction ranking to a lead position amongst Canada's big banks. Dan will officially join the Company on March 3, 2025, and will assume responsibility in May of 2025 after a transition period. In recent years, Dan's notable achievements include establishing strategic partnerships such as the Scene loyalty program with Sobeys, was prime on the Canadian Tire Bank relationship which culminated in the sale of ownership back to Canadian Tire, and oversight of the centralization and consolidation of the bank's legacy operational functions leading to gains in operating leverage and efficiency. In his last role, Dan also had accountability for the digital challenger-bank platform Tangerine where he more than doubled revenue and earnings, and the number one automotive finance business in Canada including Scotia Dealer Advantage which provides near and non-prime lending solutions through auto dealers. Dan's specific and diverse combination of experiences in financial services will enhance goeasy's market-leading revenue growth and ambition to scale the loan portfolio from $4.6 billion at the end of 2024 to between $7 billion and $8 billion by the end of 2027 through product and distribution channel expansion, including a revolving card product, a quest for streamlined operations leading to superior customer experiences, all while continuing to deliver exceptional value to the Company's shareholders. Prior to being appointed Group Head of Canadian Banking, Dan held several executive positions within Operations, Risk, Global Banking & Markets, Human Resources and Retail Banking. Dan holds an Honours Bachelor of Economics and Commerce from Queen's University and a Master of Science in Management from The London School of Economics.お知らせ • Feb 25goeasy Ltd., Annual General Meeting, May 08, 2025goeasy Ltd., Annual General Meeting, May 08, 2025.お知らせ • Feb 15+ 3 more updatesgoeasy Ltd. Revises Earnings Guidance for the Year 2025 and 2026goeasy Ltd. revised earnings guidance for the year 2025 and 2026. For 2025, the company now expects total revenue in the range of $1.62 billion - $1.82 billion against $1.6 billion - $1.8 billion as previously Forecasted. For 2026, the company expects total revenue in the range of $1.8 billion - $2.0 billion against $1.75 billion - $1.95 billion as previously Forecasted.お知らせ • Jan 30goeasy Ltd. to Report Q4, 2024 Results on Feb 13, 2025goeasy Ltd. announced that they will report Q4, 2024 results at 4:00 PM, US Eastern Standard Time on Feb 13, 2025Recent Insider Transactions • Nov 17Insider recently bought €355k worth of stockOn the 15th of November, Patrick Ens bought around 3k shares on-market at roughly €116 per share. This trade did not impact their existing holding. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €13m more in shares than they bought in the last 12 months.Declared Dividend • Nov 14Third quarter dividend of CA$1.17 announcedShareholders will receive a dividend of CA$1.17. Ex-date: 27th December 2024 Payment date: 10th January 2025 Dividend yield will be 3.0%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (27% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 30% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 30% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Nov 09goeasy Ltd. Appoints David Ingram as Interim Chief Executive Officer Effective January 1, 2025In the interim, the Board of goeasy Ltd. announced the appointment of David Ingram as interim Chief Executive Officer effective January 1, 2025. David assumed the role of Executive Chairman of the Board on January 1, 2019, prior to which he was goeasy's Chief Executive Officer from the year 2000 to 2018. Between David and myself, there is 38 years of combined goeasy management experience on the Board. The company is in an excellent position with a very strong executive team to continue its 23-year plus track record of delivering performance.Reported Earnings • Nov 08Third quarter 2024 earnings released: EPS: CA$4.95 (vs CA$3.93 in 3Q 2023)Third quarter 2024 results: EPS: CA$4.95 (up from CA$3.93 in 3Q 2023). Revenue: CA$214.3m (up 13% from 3Q 2023). Net income: CA$84.9m (up 28% from 3Q 2023). Profit margin: 40% (up from 35% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.お知らせ • Nov 08goeasy Ltd. Approves Quarterly Dividend, Payable on January 10, 2025The Board of Directors of goeasy Ltd. has approved a quarterly dividend of $1.17 per share payable on January 10, 2025 to the holders of common shares of record as at the close of business on December 27, 2024.お知らせ • Oct 24goeasy Ltd. to Report Q3, 2024 Results on Nov 07, 2024goeasy Ltd. announced that they will report Q3, 2024 results After-Market on Nov 07, 2024お知らせ • Oct 21goeasy Ltd. Provides Net Charge Offs Guidance for the Third Quarter Ended September 30, 2024goeasy Ltd. provided net charge offs guidance for the third quarter ended September 30, 2024. The company announced Net charge offs as a percentage of average gross consumer loans receivable will be between 8.75% and 9.75% in the third quarter of 2024.Recent Insider Transactions • Sep 25Executive VP & Chief Marketing Officer recently sold €523k worth of stockOn the 18th of September, Andrea Fiederer sold around 4k shares on-market at roughly €119 per share. This transaction amounted to 19% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €3.1m. Insiders have been net sellers, collectively disposing of €15m more than they bought in the last 12 months.お知らせ • Sep 23Goeasy Ltd. Appoints Radhika Kakkar to Its Board of Directorsgoeasy Ltd. announce Radhika Kakkar as the newest appointee to its Board of Directors. Radhika Kakkar brings deep expertise in business transformation and operationsto the goeasy Board of Directors with over two decades of experience deploying technology-enabled solutions to solve business challenges. Currently,Radhika is the Chief Operating Officer at Wealthsimple where she leads operations, strategy, and customer success facilitating an ambitious product strategy within a strictly regulated sector. Prior to Wealthsimple, Radhika was the Vice President of Global Operations at Snap, the parent company of Snapchat, where she oversaw global operations and online sales, and managed vital functions essential for maintaining the technology and integrity of the platform. Before her time at Snap, Radhika spent 13 years at Accenture ascending to Managing Director &Partner. Radhika brings considerable advisory experience to goeasy serving as an Independent Director on the board of InTouchCx since 2020 and acting as an Executive Advisor to Origin, a women's health start-up. She holds a B.Sc. in Chemical Engineering from Queen's University.Upcoming Dividend • Sep 20Upcoming dividend of CA$1.17 per shareEligible shareholders must have bought the stock before 27 September 2024. Payment date: 11 October 2024. Payout ratio is a comfortable 27% but the company is not cash flow positive. Trailing yield: 2.5%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (4.3%).Recent Insider Transactions • Aug 28Executive Chairman recently sold €3.1m worth of stockOn the 21st of August, David Ingram sold around 25k shares on-market at roughly €122 per share. This transaction amounted to 7.4% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. David has been a net seller over the last 12 months, reducing personal holdings by €9.1m.Recent Insider Transactions • Aug 20President recently sold €1.3m worth of stockOn the 15th of August, Jason Mullins sold around 10k shares on-market at roughly €123 per share. This transaction amounted to 14% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €2.6m. This was Jason's only on-market trade for the last 12 months.Declared Dividend • Aug 14Second quarter dividend of CA$1.17 announcedShareholders will receive a dividend of CA$1.17. Ex-date: 27th September 2024 Payment date: 11th October 2024 Dividend yield will be 2.8%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (27% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 30% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 55% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Aug 09+ 1 more updategoeasy Ltd. Provides Earnings Guidance for 2024, 2025 and 2026goeasy Ltd. provided earnings guidance for 2024, 2025 and 2026. For 2024, the company expects total revenue in the range of $1.5 billion - $1.6 billion. For 2025, the company expects total revenue in the range of $1.6 billion - $1.8 billion. For 2026, the company expects total revenue in the range of $1.75 billion - $1.95 billion.Reported Earnings • Aug 09Second quarter 2024 earnings released: EPS: CA$3.82 (vs CA$3.30 in 2Q 2023)Second quarter 2024 results: EPS: CA$3.82 (up from CA$3.30 in 2Q 2023). Revenue: CA$210.6m (up 17% from 2Q 2023). Net income: CA$65.4m (up 18% from 2Q 2023). Profit margin: 31% (in line with 2Q 2023). Revenue is forecast to grow 32% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has remained flat.お知らせ • Jul 22goeasy Ltd. to Report Q2, 2024 Results on Aug 08, 2024goeasy Ltd. announced that they will report Q2, 2024 results After-Market on Aug 08, 2024お知らせ • Jul 04+ 1 more updateJason Mullins to Step Down from the Position of Chief Executive Officer of goeasy Ltd. at the End of the Year 2024goeasy Ltd. announced a leadership transition plan, as Jason Mullins will transition out of his role as President & Chief Executive Officer at year-end, and will remain as a Director on the Board. After 14 years with the Company and nearly 6 years in his current role, Jason Mullins has informed the Board of Directors of his decision to step down from the position of President & Chief Executive Officer and will continue to serve as a Director on the Board, providing the Company with continuity and support for the future. Mr. Mullins will remain CEO until the end of the year, ensuring a smooth leadership transition. Alongside the Board, he will participate in the selection of a successor and will collaborate with the new leader during a transition period.Recent Insider Transactions • Jun 19Executive Chairman recently sold €2.6m worth of stockOn the 12th of June, David Ingram sold around 20k shares on-market at roughly €129 per share. This transaction amounted to 5.6% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. David has been a net seller over the last 12 months, reducing personal holdings by €6.2m.お知らせ • May 24goeasy Ltd. Announces Appointment of Patrick Ens as President, Easyfinancial and Easyhome, Effective July 1, 2024goeasy Ltd. announced the appointment of Patrick Ens as President of its easyfinancial and easyhome brands, effective July 1, 2024. Patrick joins goeasy from a successful tenure with Capital One Canada, where he acquired over 17 years of experience in consumer credit. Most recently, Patrick served as President of Capital One Canada, with responsibility for the overall strategic direction and operations of the Canadian business, while driving toward the goal of helping Canadians succeed with credit. Prior to being appointed President in 2021, Patrick held numerous other executive positions at Capital One, within the marketing, risk and product functions, after beginning his career there as a Business Analyst. Patrick obtained a Bachelor of Commerce from Queen's University in 2006. In this new role, Patrick will have full accountability over the easyfinancial and easyhome brands, including easyfinancial's direct-to-consumer lending products such as personal loans and home equity lending. Patrick's appointment balances the organizational structure with the role of Ali Metel, who has served as President of the LendCare brand since 2021, when it was acquired by goeasy. Under the LendCare brand, Ali remains responsible for all indirect lending products, including automotive financing and point-of-sale lending. Each executive will be responsible for the operations and financial performance of their respective brands and lending products, reporting into Jason Mullins, President and Chief Executive Officer of goeasy Ltd.Declared Dividend • May 13First quarter dividend of CA$1.17 announcedShareholders will receive a dividend of CA$1.17. Ex-date: 28th June 2024 Payment date: 12th July 2024 Dividend yield will be 2.7%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (27% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 30% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 50% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • May 09goeasy Ltd. Approves Quarterly Dividend, Payable on July 12, 2024The Board of Directors of goeasy Ltd. has approved a quarterly dividend of $1.17 per share payable on July 12, 2024 to the holders of common shares of record as at the close of business on June 28, 2024.Reported Earnings • May 08First quarter 2024 earnings released: EPS: CA$3.46 (vs CA$3.06 in 1Q 2023)First quarter 2024 results: EPS: CA$3.46 (up from CA$3.06 in 1Q 2023). Revenue: CA$200.6m (up 14% from 1Q 2023). Net income: CA$58.9m (up 15% from 1Q 2023). Profit margin: 29% (in line with 1Q 2023). Revenue is forecast to grow 32% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.お知らせ • Apr 24goeasy Ltd. to Report Q1, 2024 Results on May 07, 2024goeasy Ltd. announced that they will report Q1, 2024 results After-Market on May 07, 2024Board Change • Apr 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 5 highly experienced directors. Independent Director Jonathan Tetrault was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Upcoming Dividend • Mar 20Upcoming dividend of CA$1.17 per shareEligible shareholders must have bought the stock before 27 March 2024. Payment date: 12 April 2024. Payout ratio is a comfortable 26% but the company is not cash flow positive. Trailing yield: 2.9%. Lower than top quartile of German dividend payers (5.0%). Lower than average of industry peers (6.2%).Recent Insider Transactions • Feb 28Executive Chairman recently sold €3.2m worth of stockOn the 21st of February, David Ingram sold around 30k shares on-market at roughly €108 per share. This transaction amounted to 7.7% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. David has been a net seller over the last 12 months, reducing personal holdings by €3.6m.お知らせ • Feb 24goeasy Ltd., Annual General Meeting, May 08, 2024goeasy Ltd., Annual General Meeting, May 08, 2024.Declared Dividend • Feb 19Fourth quarter dividend of CA$1.17 announcedShareholders will receive a dividend of CA$1.17. Ex-date: 27th March 2024 Payment date: 12th April 2024 Dividend yield will be 2.6%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (26% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 30% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 45% over the next 3 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Feb 14Full year 2023 earnings released: EPS: CA$14.70 (vs CA$8.61 in FY 2022)Full year 2023 results: EPS: CA$14.70 (up from CA$8.61 in FY 2022). Revenue: CA$908.4m (up 43% from FY 2022). Net income: CA$247.9m (up 77% from FY 2022). Profit margin: 27% (up from 22% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings.お知らせ • Feb 14+ 1 more updategoeasy Ltd. Approves Quarterly Dividend, Payable on April 12, 2024goeasy Ltd. has approved a quarterly dividend of $1.17 per share payable on April 12, 2024 to the holders of common shares of record as at the close of business on March 29, 2024.お知らせ • Jan 31goeasy Ltd. to Report Q4, 2023 Results on Feb 13, 2024goeasy Ltd. announced that they will report Q4, 2023 results After-Market on Feb 13, 2024Recent Insider Transactions • Dec 22Executive Chairman recently sold €266k worth of stockOn the 15th of December, David Ingram sold around 2k shares on-market at roughly €111 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €1.2m. David has been a net seller over the last 12 months, reducing personal holdings by €338k.Upcoming Dividend • Dec 21Upcoming dividend of CA$0.96 per share at 2.4% yieldEligible shareholders must have bought the stock before 28 December 2023. Payment date: 12 January 2024. Payout ratio is a comfortable 31% but the company is not cash flow positive. Trailing yield: 2.4%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (6.9%).Recent Insider Transactions • Dec 16Independent Director recently sold €540k worth of stockOn the 11th of December, Sean Morrison sold around 5k shares on-market at roughly €103 per share. This transaction amounted to 53% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €1.2m. Insiders have been net sellers, collectively disposing of €2.5m more than they bought in the last 12 months.Recent Insider Transactions • Nov 19Insider recently sold €1.2m worth of stockOn the 13th of November, Mark Schell sold around 15k shares on-market at roughly €81.55 per share. This transaction amounted to 37% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €2.0m more than they bought in the last 12 months.Reported Earnings • Nov 09Third quarter 2023 earnings released: EPS: CA$3.93 (vs CA$2.92 in 3Q 2022)Third quarter 2023 results: EPS: CA$3.93 (up from CA$2.92 in 3Q 2022). Revenue: CA$191.3m (up 19% from 3Q 2022). Net income: CA$66.3m (up 41% from 3Q 2022). Profit margin: 35% (up from 29% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 31% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 19% per year, which means it is well ahead of earnings.お知らせ • Nov 08Goeasy Ltd. Approves Quarterly Dividend, Payable on January 12, 2024goeasy Ltd. has approved a quarterly dividend of $0.96 per share payable on January 12, 2024 to the holders of common shares of record as at the close of business on December 29, 2023.お知らせ • Oct 25goeasy Ltd. to Report Q3, 2023 Results on Nov 07, 2023goeasy Ltd. announced that they will report Q3, 2023 results After-Market on Nov 07, 2023Upcoming Dividend • Sep 21Upcoming dividend of CA$0.96 per share at 3.4% yieldEligible shareholders must have bought the stock before 28 September 2023. Payment date: 13 October 2023. Payout ratio is a comfortable 34% but the company is not cash flow positive. Trailing yield: 3.4%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (6.1%).New Risk • Aug 20New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: €689k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). High level of non-cash earnings (24% accrual ratio). Minor Risks Paying a dividend despite having no free cash flows. Shareholders have been diluted in the past year (4.4% increase in shares outstanding). Significant insider selling over the past 3 months (€689k sold).Recent Insider Transactions • Aug 20Board Member recently sold €689k worth of stockOn the 17th of August, Donald Johnson sold around 8k shares on-market at roughly €86.12 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €927k more than they bought in the last 12 months.お知らせ • Aug 10Goeasy Ltd. Approves Quarterly Dividend, Payable on October 13, 2023The Board of Directors of goeasy Ltd. has approved a quarterly dividend of $0.96 per share payable on October 13, 2023 to the holders of common shares of record as at the close of business on September 29, 2023.Reported Earnings • Aug 10Second quarter 2023 earnings released: EPS: CA$3.29 (vs CA$2.37 in 2Q 2022)Second quarter 2023 results: EPS: CA$3.29 (up from CA$2.37 in 2Q 2022). Revenue: CA$180.6m (up 14% from 2Q 2022). Net income: CA$55.6m (up 45% from 2Q 2022). Profit margin: 31% (up from 24% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 33% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 26% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Jul 28goeasy Ltd. to Report Q2, 2023 Results on Aug 09, 2023goeasy Ltd. announced that they will report Q2, 2023 results on Aug 09, 2023Upcoming Dividend • Jun 22Upcoming dividend of CA$0.96 per share at 3.5% yieldEligible shareholders must have bought the stock before 29 June 2023. Payment date: 14 July 2023. Payout ratio is a comfortable 37% but the company is not cash flow positive. Trailing yield: 3.5%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (7.1%).Valuation Update With 7 Day Price Move • May 16Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €73.90, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 8x in the Consumer Finance industry in Europe. Total returns to shareholders of 153% over the past three years.Reported Earnings • May 10First quarter 2023 earnings released: EPS: CA$3.06 (vs CA$1.59 in 1Q 2022)First quarter 2023 results: EPS: CA$3.06 (up from CA$1.59 in 1Q 2022). Revenue: CA$177.2m (up 15% from 1Q 2022). Net income: CA$51.4m (up 97% from 1Q 2022). Profit margin: 29% (up from 17% in 1Q 2022). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 29% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • May 10+ 1 more updategoeasy Ltd. Revises Earnings Guidance for 2023, 2024 and 2025goeasy Ltd. revised earnings guidance for 2023, 2024 and 2025. For 2023, the company expects Total revenue in the range of $3.4 billion to $3.6 billion.For 2024, the company expects Total revenue in the range of $4.1 billion to $4.35 billion compared to previous guidance of $4.1 billion to $4.3 billion .For 2025, the company expects Total revenue in the range of $4.7 billion to $5.10 billion compared to previous guidance of $4.7 billion to $5.0 billion .Valuation Update With 7 Day Price Move • Mar 30Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €61.00, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 6x in the Consumer Finance industry in Europe. Total returns to shareholders of 206% over the past three years.Upcoming Dividend • Mar 23Upcoming dividend of CA$0.96 per share at 3.5% yieldEligible shareholders must have bought the stock before 30 March 2023. Payment date: 14 April 2023. Payout ratio is a comfortable 42% but the company is not cash flow positive. Trailing yield: 3.5%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (4.6%).Recent Insider Transactions • Mar 22Executive VP & Chief Marketing Officer recently bought €70k worth of stockOn the 16th of March, Andrea Fiederer bought around 904 shares on-market at roughly €77.56 per share. This transaction amounted to 4.2% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €251k more in shares than they bought in the last 12 months.Reported Earnings • Feb 17Full year 2022 earnings released: EPS: CA$8.61 (vs CA$15.12 in FY 2021)Full year 2022 results: EPS: CA$8.61 (down from CA$15.12 in FY 2021). Revenue: CA$636.9m (up 12% from FY 2021). Net income: CA$140.2m (down 43% from FY 2021). Profit margin: 22% (down from 43% in FY 2021). Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 9.7% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 21% per year whereas the company’s share price has increased by 19% per year.Reported Earnings • Feb 17Full year 2022 earnings released: EPS: CA$8.61 (vs CA$15.12 in FY 2021)Full year 2022 results: EPS: CA$8.61 (down from CA$15.12 in FY 2021). Revenue: CA$636.9m (up 12% from FY 2021). Net income: CA$140.2m (down 43% from FY 2021). Profit margin: 22% (down from 43% in FY 2021). Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 9.7% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 21% per year whereas the company’s share price has increased by 19% per year.お知らせ • Feb 17goeasy Ltd. Provides Earnings Guidance for 2023, 2024 and 2025goeasy Ltd. provided earnings guidance for 2023, 2024 and 2025. For 2023, the company expects Total revenue in the range of $3.4 billion to $3.6 billion.For 2024, the company expects Total revenue in the range of $4.1 billion to $4.3 billion.For 2025, the company expects Total revenue in the range of $4.7 billion to $5.0 billion.お知らせ • Feb 02goeasy Ltd. to Report Q4, 2022 Results on Feb 15, 2023goeasy Ltd. announced that they will report Q4, 2022 results After-Market on Feb 15, 2023Upcoming Dividend • Dec 22Upcoming dividend of CA$0.91 per shareEligible shareholders must have bought the stock before 29 December 2022. Payment date: 13 January 2023. Payout ratio is a comfortable 34% but the company is not cash flow positive. Trailing yield: 3.4%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (4.9%).Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: CA$2.92 (vs CA$3.79 in 3Q 2021)Third quarter 2022 results: EPS: CA$2.92 (down from CA$3.79 in 3Q 2021). Revenue: CA$160.6m (up 5.3% from 3Q 2021). Net income: CA$47.2m (down 26% from 3Q 2021). Profit margin: 29% (down from 42% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 21% p.a. on average during the next 3 years, compared to a 8.3% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 30% per year whereas the company’s share price has increased by 28% per year.Reported Earnings • Nov 12Third quarter 2022 earnings released: EPS: CA$2.92 (vs CA$3.79 in 3Q 2021)Third quarter 2022 results: EPS: CA$2.92 (down from CA$3.79 in 3Q 2021). Revenue: CA$161.2m (up 5.5% from 3Q 2021). Net income: CA$47.2m (down 26% from 3Q 2021). Profit margin: 29% (down from 42% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 8.3% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 30% per year whereas the company’s share price has increased by 29% per year.Recent Insider Transactions • Sep 25Independent Director recently sold €311k worth of stockOn the 19th of September, Sean Morrison sold around 3k shares on-market at roughly €90.39 per share. This transaction amounted to 26% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought €640k more than they sold in the last 12 months.Upcoming Dividend • Sep 21Upcoming dividend of CA$0.91 per shareEligible shareholders must have bought the stock before 28 September 2022. Payment date: 14 October 2022. Payout ratio is a comfortable 29% but the company is not cash flow positive. Trailing yield: 3.1%. Lower than top quartile of German dividend payers (5.0%). Lower than average of industry peers (5.2%).Reported Earnings • Aug 13Second quarter 2022 earnings released: EPS: CA$2.37 (vs CA$1.20 in 2Q 2021)Second quarter 2022 results: EPS: CA$2.37 (up from CA$1.20 in 2Q 2021). Revenue: CA$159.0m (up 19% from 2Q 2021). Net income: CA$38.3m (up 97% from 2Q 2021). Profit margin: 24% (up from 14% in 2Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 80%, compared to a 21% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has increased by 44% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Aug 11+ 1 more updategoeasy Ltd. Approves Quarterly Dividend, Payable on October 14, 2022goeasy Ltd. Board of Directors has approved a quarterly dividend of $0.91 per share payable on October 14, 2022 to the holders of common shares of record as at the close of business on September 30, 2022.お知らせ • Jul 29goeasy Ltd. to Report Q2, 2022 Results on Aug 10, 2022goeasy Ltd. announced that they will report Q2, 2022 results After-Market on Aug 10, 2022Valuation Update With 7 Day Price Move • Jul 23Investor sentiment improved over the past weekAfter last week's 16% share price gain to €83.50, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 6x in the Consumer Finance industry in Europe. Total returns to shareholders of 150% over the past three years.お知らせ • Jul 20Goeasy Ltd. Appoints Jonathan Tétrault to Its Board of Directorsgoeasy Ltd. announced Jonathan Tétrault has been appointed to its Board of Directors. Jonathan Tétrault is a highly respected, Quebec-based, senior executive with over 20 years of experience as a strategic advisor in management consulting and law. Jonathan is currently a Managing Partner at Sagard Holdings, a global alternative asset management platform investing in private equity, venture capital, credit, and royalty transactions. Jonathan joined Sagard in 2020 and is responsible for the development and global scaling of the organization, managing its ecosystem of partners and investors, and leading the value creation team supporting the firm’s portfolio companies. Prior to his current role, Jonathan was the President and Chief Operating Officer of Cirque du Soleil where he oversaw all operations and business development activities. Prior to his position at Cirque du Soleil, he was a senior partner at McKinsey & Company where he spent 14 years. During that period, he has served as Managing Partner of the Montreal office and co-lead the global Institutional Investor practice. Over his years with McKinsey, he advised institutional investors, private equity firms, asset management firms and banks, on a broad range of strategic and investment matters, in more than 25 countries. As a trained lawyer, he also practiced M&A law at Borden Ladner Gervais in Canada and Andersen in France. Jonathan holds an MBA from Oxford University, an LL.B. (law degree) from the Université de Montréal, and a Political Studies certification from the Institut d'Études Politiques de Paris. He is also a member of the Barreau du Québec and serves on several boards, including the Orchestre Symphonique de Montréal, C.D. Howe Institute, the Chamber of Commerce of Metropolitan Montreal, and an appointment to the Board of EverWest Real Estate Investors as well as the board of the Montreal Museum of Fine Arts earlier this year.Upcoming Dividend • Jun 16Upcoming dividend of CA$0.91 per shareEligible shareholders must have bought the stock before 23 June 2022. Payment date: 08 July 2022. Payout ratio is a comfortable 30% but the company is not cash flow positive. Trailing yield: 3.6%. Lower than top quartile of German dividend payers (4.5%). Lower than average of industry peers (4.7%).Valuation Update With 7 Day Price Move • Jun 14Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to €72.00, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total returns to shareholders of 122% over the past three years.Reported Earnings • May 13First quarter 2022 earnings released: EPS: CA$1.59 (vs CA$7.41 in 1Q 2021)First quarter 2022 results: EPS: CA$1.59 (down from CA$7.41 in 1Q 2021). Revenue: CA$154.5m (up 22% from 1Q 2021). Net income: CA$26.1m (down 77% from 1Q 2021). Profit margin: 17% (down from 88% in 1Q 2021). Over the next year, revenue is forecast to grow 73%, compared to a 75% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 45% per year but the company’s share price has only increased by 29% per year, which means it is significantly lagging earnings growth.Reported Earnings • May 13First quarter 2022 earnings released: EPS: CA$1.59 (vs CA$7.41 in 1Q 2021)First quarter 2022 results: EPS: CA$1.59 (down from CA$7.41 in 1Q 2021). Revenue: CA$154.5m (up 22% from 1Q 2021). Net income: CA$26.1m (down 77% from 1Q 2021). Profit margin: 17% (down from 88% in 1Q 2021). Over the next year, revenue is forecast to grow 73%, compared to a 75% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 45% per year but the company’s share price has only increased by 29% per year, which means it is significantly lagging earnings growth.お知らせ • May 12Goeasy Ltd. Approves Quarterly Dividend, Payable on July 8, 2022goeasy Ltd. approved a quarterly dividend of $0.91 per share payable on July 8, 2022 to the holders of common shares of record as at the close of business on June 24, 2022.株主還元1ESDE Consumer FinanceDE 市場7D24.5%0.04%0.6%1Y-76.0%6.8%0.2%株主還元を見る業界別リターン: 1ES過去 1 年間で6.8 % の収益を上げたGerman Consumer Finance業界を下回りました。リターン対市場: 1ESは、過去 1 年間で0.2 % のリターンを上げたGerman市場を下回りました。価格変動Is 1ES's price volatile compared to industry and market?1ES volatility1ES Average Weekly Movement19.0%Consumer Finance Industry Average Movement5.9%Market Average Movement6.1%10% most volatile stocks in DE Market13.2%10% least volatile stocks in DE Market2.7%安定した株価: 1ESの株価は、 German市場と比較して過去 3 か月間で変動しています。時間の経過による変動: 1ESの 週次ボラティリティ は、過去 1 年間で10%から19%に増加しました。会社概要設立従業員CEO（最高経営責任者ウェブサイト19902,400Patrick Enswww.goeasy.comgoeasy Ltd.はカナダの消費者にeasyhome、easyfinancial、LendCareのブランドでノンプライムリースと融資サービスを提供している。EasyfinancialとEasyhomeの2つのセグメントで事業を展開している。無担保・有担保分割払いローン、ホームエクイティ・リフォームローン、有担保分割払いローン、自動車ローン、小売商品、パワースポーツ・レクリエーション用車両、住宅改修プロジェクト、ヘルスケア関連商品・サービスの購入資金融資を提供している。また、家庭用家具、家電製品、電子機器、無担保融資商品を小売消費者にリースしている。同社は以前はeasyhome Ltd.として知られていたが、2015年9月にgoeasy Ltd.に社名を変更した。goeasy Ltd.は1990年に法人化され、カナダのミシサガに本社を置いている。もっと見るgoeasy Ltd. 基礎のまとめgoeasy の収益と売上を時価総額と比較するとどうか。1ES 基礎統計学時価総額€364.99m収益（TTM）-€168.71m売上高(TTM)€235.08m1.5xP/Sレシオ-2.1xPER（株価収益率1ES は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計1ES 損益計算書（TTM）収益CA$376.30m売上原価CA$0売上総利益CA$376.30mその他の費用CA$646.37m収益-CA$270.07m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）-16.84グロス・マージン100.00%純利益率-71.77%有利子負債／自己資本比率593.7%1ES の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/21 19:35終値2026/05/21 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋goeasy Ltd. 10 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。13 アナリスト機関Jeffrey FenwickATB CormarkDoug CooperBeacon Securities LimitedEtienne RicardBMO Capital Markets Equity Research10 その他のアナリストを表示
お知らせ • Apr 28+ 1 more updateDavid Appel and Jason Mullins Decline Re-Election to Board of goeasy Ltdgoeasy Ltd. announced that David Appel and Jason Mullins will not stand for re-election to the Board at the Annual General and Special Meeting of Shareholders to be held on May 20, 2026.
お知らせ • Apr 02Goeasy Ltd. Reports Net Charge Offs and Impairment of Goodwill for the Fourth Quarter Ended December 31, 2025; Provides Net Charge Offs Guidance for First Quarter of 2026 and Full Year 2026goeasy Ltd. reported charge offs and impairment of goodwill for the fourth quarter ended December 31, 2025 and provided net Charge Offs Guidance for First Quarter of 2026 and Full Year 2026. For the fourth quarter ended December 31, 2025, the company reported net charge offs of CAD 331,133,000 compared to CAD 103,910,000 a year ago. The Company recorded a CAD 159,613,000 goodwill impairment charge related to its LendCare business. For the first quarter of 2026, company expects to incur net charge offs in range of 17.5% to 18.5%. For full year. company Expected net charge offs to decrease from 23.8% in the fourth quarter of 2025 to the mid-teens for full year 2026; improvement is expected as the year progresses.
お知らせ • Mar 24goeasy Ltd., Annual General Meeting, May 20, 2026goeasy Ltd., Annual General Meeting, May 20, 2026.
お知らせ • Mar 16Kalloghlian Myers LLP Files Class Action Against goeasy Ltd. and Its Auditor Ernst & Young LLPKalloghlian Myers LLP has filed an investor class action against goeasy Ltd., its directors and officers and its auditor Ernst & Young LLP. The class action is on behalf of all persons, other than certain excluded persons, who acquired goeasy's securities between May 9, 2023 and March 10, 2026. On September 22, 2025, Jehoshaphat Research issued a report titled, "Jehoshaphat Research is Short goeasy ltd (GSY CN)" alleging that goeasy had understated its credit losses. Six months later, on March 10, 2026, goeasy issued another press release announcing, among other things, a charge off in Fourth Quarter 2025 of approximately $178 million against gross consumer loans receivable; a related write down of approximately $55 million for loan interest and fees; and revisions to prior period results arising from a correction of historical reporting practices. This class action alleges that goeasy made misrepresentations in its public disclosure and seeks compensation for the benefit of class members.
お知らせ • Mar 11+ 1 more updateGoeasy Ltd. Withdraws Fourth Quarter 2025 and Three Year Forecastgoeasy Ltd. withdrawn previously issued Fourth Quarter 2025 outlook and three-year forecast.
お知らせ • Feb 23goeasy Ltd. to Report Q4, 2025 Results on Mar 25, 2026goeasy Ltd. announced that they will report Q4, 2025 results After-Market on Mar 25, 2026
お知らせ • Apr 28+ 1 more updateDavid Appel and Jason Mullins Decline Re-Election to Board of goeasy Ltdgoeasy Ltd. announced that David Appel and Jason Mullins will not stand for re-election to the Board at the Annual General and Special Meeting of Shareholders to be held on May 20, 2026.
お知らせ • Apr 02Goeasy Ltd. Reports Net Charge Offs and Impairment of Goodwill for the Fourth Quarter Ended December 31, 2025; Provides Net Charge Offs Guidance for First Quarter of 2026 and Full Year 2026goeasy Ltd. reported charge offs and impairment of goodwill for the fourth quarter ended December 31, 2025 and provided net Charge Offs Guidance for First Quarter of 2026 and Full Year 2026. For the fourth quarter ended December 31, 2025, the company reported net charge offs of CAD 331,133,000 compared to CAD 103,910,000 a year ago. The Company recorded a CAD 159,613,000 goodwill impairment charge related to its LendCare business. For the first quarter of 2026, company expects to incur net charge offs in range of 17.5% to 18.5%. For full year. company Expected net charge offs to decrease from 23.8% in the fourth quarter of 2025 to the mid-teens for full year 2026; improvement is expected as the year progresses.
お知らせ • Mar 24goeasy Ltd., Annual General Meeting, May 20, 2026goeasy Ltd., Annual General Meeting, May 20, 2026.
お知らせ • Mar 16Kalloghlian Myers LLP Files Class Action Against goeasy Ltd. and Its Auditor Ernst & Young LLPKalloghlian Myers LLP has filed an investor class action against goeasy Ltd., its directors and officers and its auditor Ernst & Young LLP. The class action is on behalf of all persons, other than certain excluded persons, who acquired goeasy's securities between May 9, 2023 and March 10, 2026. On September 22, 2025, Jehoshaphat Research issued a report titled, "Jehoshaphat Research is Short goeasy ltd (GSY CN)" alleging that goeasy had understated its credit losses. Six months later, on March 10, 2026, goeasy issued another press release announcing, among other things, a charge off in Fourth Quarter 2025 of approximately $178 million against gross consumer loans receivable; a related write down of approximately $55 million for loan interest and fees; and revisions to prior period results arising from a correction of historical reporting practices. This class action alleges that goeasy made misrepresentations in its public disclosure and seeks compensation for the benefit of class members.
お知らせ • Mar 11+ 1 more updateGoeasy Ltd. Withdraws Fourth Quarter 2025 and Three Year Forecastgoeasy Ltd. withdrawn previously issued Fourth Quarter 2025 outlook and three-year forecast.
お知らせ • Feb 23goeasy Ltd. to Report Q4, 2025 Results on Mar 25, 2026goeasy Ltd. announced that they will report Q4, 2025 results After-Market on Mar 25, 2026
お知らせ • Dec 03goeasy Ltd. Announces CEO Changesgoeasy Ltd. announced that Dan Rees will step down as Chief Executive Officer effective December 31, 2025, due to a blood disorder that requires him to resign from his position. The Board of Directors will appoint Patrick Ens, currently President of easyfinancial, as the Company's next Chief Executive Officer, effective January 1, 2026. To ensure continuity, Mr. Rees will serve as Special Advisor to the CEO from January 1 through June 30, 2026. The Board's decision to appoint Patrick Ens reflects a thoughtful succession planning process that identified him (externally) in 2023 as a high-potential future CEO. He joined goeasy in 2024, after a successful 17-year tenure with Capital One Canada before joining goeasy. Prior to being appointed President of Capital One Canada in 2021, Patrick held numerous other executive positions within the marketing, risk and product functions, after beginning his career there as a risk analyst. At goeasy, Patrick has demonstrated exceptional strategic leadership, his deep expertise in consumer lending and credit, and a proven ability to elevate high-performing teams. Under his guidance, easyfinancial has experienced some of its strongest periods of balanced growth. Patrick obtained a Bachelor of Commerce from Queen's University in 2006 and was recently appointed to the Board of Directors of the Canadian Lenders Association in 2025.
お知らせ • Nov 07goeasy Ltd. announces Quarterly dividend, payable on January 09, 2026goeasy Ltd. announced Quarterly dividend of CAD 1.4600 per share payable on January 09, 2026, ex-date on December 26, 2025 and record date on December 26, 2025.
お知らせ • Oct 22goeasy Ltd. to Report Q3, 2025 Results on Nov 05, 2025goeasy Ltd. announced that they will report Q3, 2025 results After-Market on Nov 05, 2025
お知らせ • Oct 02Goeasy Ltd. Appoints Felix Wu as Interim CFO, Effective September 30, 2025goeasy Ltd. announced that Felix Wu has been appointed as the Interim Chief Financial Officer (CFO), Effective September 30, 2025. This positive development follows the announcement made on September 16th, 2025 of current CFO Hal Khouri's upcoming departure from the company following the completion of third quarter reporting in November 2025. Mr. Wu is a well-regarded financial services executive bringing over 20 years of financial and operational experience to goeasy, including significant exposure to non-prime lending. He most recently served as CFO for KOHO, a leading Canadian fintech, where he strengthened the finance, risk, and compliance functions while overseeing debt and equity activities that helped guide the company through a period of significant revenue growth. Prior to that he was at President's Choice Financial as CFO and Chief Operating Officer, and at Capital One Canada as Chief Risk Officer and CFO earlier in his career. Mr. Wu's track record in capital markets, corporate finance and operational leadership underscore his strong technical expertise and makes him an excellent fit for the company. Mr. Wu's engagement at the company will include his oversight of year-end reporting and the first quarter of 2026, ensuring a seamless transition of responsibilities and continuity until a new CFO is appointed. A comprehensive search process to identify Mr. Khouri's permanent successor is already underway.
お知らせ • Sep 18goeasy Ltd. Announces Hal Khouri Leaves as Chief Financial Officergoeasy Ltd. on September 16, 2025 announced that Hal Khouri, Chief Financial Officer, will be leaving the Company following the completion of third quarter reporting in November 2025 to pursue a new opportunity outside of Canada. Since joining goeasy in 2019, Mr. Khouri has played a central role in the Company's financial strategy and capital markets execution, which has enabled the organization's growth. He has been instrumental in strengthening goeasy's balance sheet, enhancing financial reporting, and supporting the organization's strong track record of shareholder value creation. In addition to the formal comprehensive search process that has been initialized to identify Mr. Khouri's permanent successor, the Company has made significant progress toward identifying an Interim Chief Financial Officer and anticipates that it will be in a position to provide further details in the coming weeks. This approach will ensure a seamless transition of responsibilities and continuity from Mr. Khouri's tenure until the new CFO is appointed.
お知らせ • Aug 08goeasy Ltd. Approves Quarterly Dividend, Payable on October 10, 2025The Board of Directors of goeasy Ltd. has approved a quarterly dividend of CAD 1.46 per share, payable on October 10, 2025 to the holders of common shares of record as at the close of business on September 26, 2025.
お知らせ • Jul 23goeasy Ltd. to Report Q2, 2025 Results on Aug 06, 2025goeasy Ltd. announced that they will report Q2, 2025 results After-Market on Aug 06, 2025
お知らせ • Jul 02goeasy Ltd. Announces Executive Changesgoeasy Ltd. announced the appointment of James Obright as Senior Vice-President of Investor Relations & Capital Markets. James Obright brings over 20 years of experience in investment banking and capital markets, with a proven track record of leading complex equity transactions across multiple sectors, including many of the most notable financings in the Canadian Financial Services market. Most recently, he served as Managing Director in the Canadian Equity Capital Markets group at RBC, where he acted as the lead advisor on a broad range of equity and equity-linked transactions. James replaces Farhan Ali Khan who has progressed to assume the position of Chief Revenue Officer of LendCare, goeasy's point-of-sale financing division. James also brings to goeasy valuable international experience, having worked in London, UK, with RBC's Global Mining & Metals investment banking team. He worked at UBS Investment Bank in corporate finance and equity capital markets earlier in his career. He holds an Honours Business Administration degree and an MBA from the Ivey Business School at Western University. In his new role, James will report to Hal Khouri, goeasy's CFO, and lead the Company's investor relations function and oversee the capital markets strategy, with a focus on strengthening shareholder engagement and supporting goeasy's funding initiatives as it targets ambitious growth in loan originations and product expansion.
お知らせ • May 09goeasy Ltd. announces Quarterly dividend, payable on July 11, 2025goeasy Ltd. announced Quarterly dividend of CAD 1.4600 per share payable on July 11, 2025, ex-date on June 27, 2025 and record date on June 27, 2025.
お知らせ • Apr 23goeasy Ltd. to Report Q1, 2025 Results on May 07, 2025goeasy Ltd. announced that they will report Q1, 2025 results After-Market on May 07, 2025
お知らせ • Mar 03goeasy Ltd. Announces Appointment of Dan Rees as Chief Executive Officergoeasy Ltd. announced the appointment of Dan Rees as Chief Executive Officer. Dan Rees joins goeasy following a successful 25-year career with Scotiabank where he held progressively senior executive roles. From 2019 to 2024, Dan served as Scotiabank's Group Head of Canadian Banking where he demonstrated a track record of driving impressive results while leading the largest revenue portfolio of $13 billion and a lending portfolio of approximately $450 billion at the bank. He oversaw eight distribution channels spanning retail, small business, commercial and insurance for Canadian Banking, and ultimately strengthened the bank's competitive position. His tenure was marked by generating new revenue opportunities, developing continuous improvement initiatives, and boosting Scotiabank's customer satisfaction ranking to a lead position amongst Canada's big banks. Dan will officially join the Company on March 3, 2025, and will assume responsibility in May of 2025 after a transition period. In recent years, Dan's notable achievements include establishing strategic partnerships such as the Scene loyalty program with Sobeys, was prime on the Canadian Tire Bank relationship which culminated in the sale of ownership back to Canadian Tire, and oversight of the centralization and consolidation of the bank's legacy operational functions leading to gains in operating leverage and efficiency. In his last role, Dan also had accountability for the digital challenger-bank platform Tangerine where he more than doubled revenue and earnings, and the number one automotive finance business in Canada including Scotia Dealer Advantage which provides near and non-prime lending solutions through auto dealers. Dan's specific and diverse combination of experiences in financial services will enhance goeasy's market-leading revenue growth and ambition to scale the loan portfolio from $4.6 billion at the end of 2024 to between $7 billion and $8 billion by the end of 2027 through product and distribution channel expansion, including a revolving card product, a quest for streamlined operations leading to superior customer experiences, all while continuing to deliver exceptional value to the Company's shareholders. Prior to being appointed Group Head of Canadian Banking, Dan held several executive positions within Operations, Risk, Global Banking & Markets, Human Resources and Retail Banking. Dan holds an Honours Bachelor of Economics and Commerce from Queen's University and a Master of Science in Management from The London School of Economics.
お知らせ • Feb 25goeasy Ltd., Annual General Meeting, May 08, 2025goeasy Ltd., Annual General Meeting, May 08, 2025.
お知らせ • Feb 15+ 3 more updatesgoeasy Ltd. Revises Earnings Guidance for the Year 2025 and 2026goeasy Ltd. revised earnings guidance for the year 2025 and 2026. For 2025, the company now expects total revenue in the range of $1.62 billion - $1.82 billion against $1.6 billion - $1.8 billion as previously Forecasted. For 2026, the company expects total revenue in the range of $1.8 billion - $2.0 billion against $1.75 billion - $1.95 billion as previously Forecasted.
お知らせ • Jan 30goeasy Ltd. to Report Q4, 2024 Results on Feb 13, 2025goeasy Ltd. announced that they will report Q4, 2024 results at 4:00 PM, US Eastern Standard Time on Feb 13, 2025
Recent Insider Transactions • Nov 17Insider recently bought €355k worth of stockOn the 15th of November, Patrick Ens bought around 3k shares on-market at roughly €116 per share. This trade did not impact their existing holding. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €13m more in shares than they bought in the last 12 months.
Declared Dividend • Nov 14Third quarter dividend of CA$1.17 announcedShareholders will receive a dividend of CA$1.17. Ex-date: 27th December 2024 Payment date: 10th January 2025 Dividend yield will be 3.0%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (27% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 30% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 30% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Nov 09goeasy Ltd. Appoints David Ingram as Interim Chief Executive Officer Effective January 1, 2025In the interim, the Board of goeasy Ltd. announced the appointment of David Ingram as interim Chief Executive Officer effective January 1, 2025. David assumed the role of Executive Chairman of the Board on January 1, 2019, prior to which he was goeasy's Chief Executive Officer from the year 2000 to 2018. Between David and myself, there is 38 years of combined goeasy management experience on the Board. The company is in an excellent position with a very strong executive team to continue its 23-year plus track record of delivering performance.
Reported Earnings • Nov 08Third quarter 2024 earnings released: EPS: CA$4.95 (vs CA$3.93 in 3Q 2023)Third quarter 2024 results: EPS: CA$4.95 (up from CA$3.93 in 3Q 2023). Revenue: CA$214.3m (up 13% from 3Q 2023). Net income: CA$84.9m (up 28% from 3Q 2023). Profit margin: 40% (up from 35% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
お知らせ • Nov 08goeasy Ltd. Approves Quarterly Dividend, Payable on January 10, 2025The Board of Directors of goeasy Ltd. has approved a quarterly dividend of $1.17 per share payable on January 10, 2025 to the holders of common shares of record as at the close of business on December 27, 2024.
お知らせ • Oct 24goeasy Ltd. to Report Q3, 2024 Results on Nov 07, 2024goeasy Ltd. announced that they will report Q3, 2024 results After-Market on Nov 07, 2024
お知らせ • Oct 21goeasy Ltd. Provides Net Charge Offs Guidance for the Third Quarter Ended September 30, 2024goeasy Ltd. provided net charge offs guidance for the third quarter ended September 30, 2024. The company announced Net charge offs as a percentage of average gross consumer loans receivable will be between 8.75% and 9.75% in the third quarter of 2024.
Recent Insider Transactions • Sep 25Executive VP & Chief Marketing Officer recently sold €523k worth of stockOn the 18th of September, Andrea Fiederer sold around 4k shares on-market at roughly €119 per share. This transaction amounted to 19% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €3.1m. Insiders have been net sellers, collectively disposing of €15m more than they bought in the last 12 months.
お知らせ • Sep 23Goeasy Ltd. Appoints Radhika Kakkar to Its Board of Directorsgoeasy Ltd. announce Radhika Kakkar as the newest appointee to its Board of Directors. Radhika Kakkar brings deep expertise in business transformation and operationsto the goeasy Board of Directors with over two decades of experience deploying technology-enabled solutions to solve business challenges. Currently,Radhika is the Chief Operating Officer at Wealthsimple where she leads operations, strategy, and customer success facilitating an ambitious product strategy within a strictly regulated sector. Prior to Wealthsimple, Radhika was the Vice President of Global Operations at Snap, the parent company of Snapchat, where she oversaw global operations and online sales, and managed vital functions essential for maintaining the technology and integrity of the platform. Before her time at Snap, Radhika spent 13 years at Accenture ascending to Managing Director &Partner. Radhika brings considerable advisory experience to goeasy serving as an Independent Director on the board of InTouchCx since 2020 and acting as an Executive Advisor to Origin, a women's health start-up. She holds a B.Sc. in Chemical Engineering from Queen's University.
Upcoming Dividend • Sep 20Upcoming dividend of CA$1.17 per shareEligible shareholders must have bought the stock before 27 September 2024. Payment date: 11 October 2024. Payout ratio is a comfortable 27% but the company is not cash flow positive. Trailing yield: 2.5%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (4.3%).
Recent Insider Transactions • Aug 28Executive Chairman recently sold €3.1m worth of stockOn the 21st of August, David Ingram sold around 25k shares on-market at roughly €122 per share. This transaction amounted to 7.4% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. David has been a net seller over the last 12 months, reducing personal holdings by €9.1m.
Recent Insider Transactions • Aug 20President recently sold €1.3m worth of stockOn the 15th of August, Jason Mullins sold around 10k shares on-market at roughly €123 per share. This transaction amounted to 14% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €2.6m. This was Jason's only on-market trade for the last 12 months.
Declared Dividend • Aug 14Second quarter dividend of CA$1.17 announcedShareholders will receive a dividend of CA$1.17. Ex-date: 27th September 2024 Payment date: 11th October 2024 Dividend yield will be 2.8%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (27% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 30% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 55% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Aug 09+ 1 more updategoeasy Ltd. Provides Earnings Guidance for 2024, 2025 and 2026goeasy Ltd. provided earnings guidance for 2024, 2025 and 2026. For 2024, the company expects total revenue in the range of $1.5 billion - $1.6 billion. For 2025, the company expects total revenue in the range of $1.6 billion - $1.8 billion. For 2026, the company expects total revenue in the range of $1.75 billion - $1.95 billion.
Reported Earnings • Aug 09Second quarter 2024 earnings released: EPS: CA$3.82 (vs CA$3.30 in 2Q 2023)Second quarter 2024 results: EPS: CA$3.82 (up from CA$3.30 in 2Q 2023). Revenue: CA$210.6m (up 17% from 2Q 2023). Net income: CA$65.4m (up 18% from 2Q 2023). Profit margin: 31% (in line with 2Q 2023). Revenue is forecast to grow 32% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has remained flat.
お知らせ • Jul 22goeasy Ltd. to Report Q2, 2024 Results on Aug 08, 2024goeasy Ltd. announced that they will report Q2, 2024 results After-Market on Aug 08, 2024
お知らせ • Jul 04+ 1 more updateJason Mullins to Step Down from the Position of Chief Executive Officer of goeasy Ltd. at the End of the Year 2024goeasy Ltd. announced a leadership transition plan, as Jason Mullins will transition out of his role as President & Chief Executive Officer at year-end, and will remain as a Director on the Board. After 14 years with the Company and nearly 6 years in his current role, Jason Mullins has informed the Board of Directors of his decision to step down from the position of President & Chief Executive Officer and will continue to serve as a Director on the Board, providing the Company with continuity and support for the future. Mr. Mullins will remain CEO until the end of the year, ensuring a smooth leadership transition. Alongside the Board, he will participate in the selection of a successor and will collaborate with the new leader during a transition period.
Recent Insider Transactions • Jun 19Executive Chairman recently sold €2.6m worth of stockOn the 12th of June, David Ingram sold around 20k shares on-market at roughly €129 per share. This transaction amounted to 5.6% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. David has been a net seller over the last 12 months, reducing personal holdings by €6.2m.
お知らせ • May 24goeasy Ltd. Announces Appointment of Patrick Ens as President, Easyfinancial and Easyhome, Effective July 1, 2024goeasy Ltd. announced the appointment of Patrick Ens as President of its easyfinancial and easyhome brands, effective July 1, 2024. Patrick joins goeasy from a successful tenure with Capital One Canada, where he acquired over 17 years of experience in consumer credit. Most recently, Patrick served as President of Capital One Canada, with responsibility for the overall strategic direction and operations of the Canadian business, while driving toward the goal of helping Canadians succeed with credit. Prior to being appointed President in 2021, Patrick held numerous other executive positions at Capital One, within the marketing, risk and product functions, after beginning his career there as a Business Analyst. Patrick obtained a Bachelor of Commerce from Queen's University in 2006. In this new role, Patrick will have full accountability over the easyfinancial and easyhome brands, including easyfinancial's direct-to-consumer lending products such as personal loans and home equity lending. Patrick's appointment balances the organizational structure with the role of Ali Metel, who has served as President of the LendCare brand since 2021, when it was acquired by goeasy. Under the LendCare brand, Ali remains responsible for all indirect lending products, including automotive financing and point-of-sale lending. Each executive will be responsible for the operations and financial performance of their respective brands and lending products, reporting into Jason Mullins, President and Chief Executive Officer of goeasy Ltd.
Declared Dividend • May 13First quarter dividend of CA$1.17 announcedShareholders will receive a dividend of CA$1.17. Ex-date: 28th June 2024 Payment date: 12th July 2024 Dividend yield will be 2.7%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (27% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 30% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 50% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • May 09goeasy Ltd. Approves Quarterly Dividend, Payable on July 12, 2024The Board of Directors of goeasy Ltd. has approved a quarterly dividend of $1.17 per share payable on July 12, 2024 to the holders of common shares of record as at the close of business on June 28, 2024.
Reported Earnings • May 08First quarter 2024 earnings released: EPS: CA$3.46 (vs CA$3.06 in 1Q 2023)First quarter 2024 results: EPS: CA$3.46 (up from CA$3.06 in 1Q 2023). Revenue: CA$200.6m (up 14% from 1Q 2023). Net income: CA$58.9m (up 15% from 1Q 2023). Profit margin: 29% (in line with 1Q 2023). Revenue is forecast to grow 32% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.
お知らせ • Apr 24goeasy Ltd. to Report Q1, 2024 Results on May 07, 2024goeasy Ltd. announced that they will report Q1, 2024 results After-Market on May 07, 2024
Board Change • Apr 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 5 highly experienced directors. Independent Director Jonathan Tetrault was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Upcoming Dividend • Mar 20Upcoming dividend of CA$1.17 per shareEligible shareholders must have bought the stock before 27 March 2024. Payment date: 12 April 2024. Payout ratio is a comfortable 26% but the company is not cash flow positive. Trailing yield: 2.9%. Lower than top quartile of German dividend payers (5.0%). Lower than average of industry peers (6.2%).
Recent Insider Transactions • Feb 28Executive Chairman recently sold €3.2m worth of stockOn the 21st of February, David Ingram sold around 30k shares on-market at roughly €108 per share. This transaction amounted to 7.7% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. David has been a net seller over the last 12 months, reducing personal holdings by €3.6m.
お知らせ • Feb 24goeasy Ltd., Annual General Meeting, May 08, 2024goeasy Ltd., Annual General Meeting, May 08, 2024.
Declared Dividend • Feb 19Fourth quarter dividend of CA$1.17 announcedShareholders will receive a dividend of CA$1.17. Ex-date: 27th March 2024 Payment date: 12th April 2024 Dividend yield will be 2.6%, which is higher than the industry average of 2.2%. Sustainability & Growth Dividend is covered by earnings (26% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has increased by an average of 30% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 45% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Feb 14Full year 2023 earnings released: EPS: CA$14.70 (vs CA$8.61 in FY 2022)Full year 2023 results: EPS: CA$14.70 (up from CA$8.61 in FY 2022). Revenue: CA$908.4m (up 43% from FY 2022). Net income: CA$247.9m (up 77% from FY 2022). Profit margin: 27% (up from 22% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings.
お知らせ • Feb 14+ 1 more updategoeasy Ltd. Approves Quarterly Dividend, Payable on April 12, 2024goeasy Ltd. has approved a quarterly dividend of $1.17 per share payable on April 12, 2024 to the holders of common shares of record as at the close of business on March 29, 2024.
お知らせ • Jan 31goeasy Ltd. to Report Q4, 2023 Results on Feb 13, 2024goeasy Ltd. announced that they will report Q4, 2023 results After-Market on Feb 13, 2024
Recent Insider Transactions • Dec 22Executive Chairman recently sold €266k worth of stockOn the 15th of December, David Ingram sold around 2k shares on-market at roughly €111 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €1.2m. David has been a net seller over the last 12 months, reducing personal holdings by €338k.
Upcoming Dividend • Dec 21Upcoming dividend of CA$0.96 per share at 2.4% yieldEligible shareholders must have bought the stock before 28 December 2023. Payment date: 12 January 2024. Payout ratio is a comfortable 31% but the company is not cash flow positive. Trailing yield: 2.4%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (6.9%).
Recent Insider Transactions • Dec 16Independent Director recently sold €540k worth of stockOn the 11th of December, Sean Morrison sold around 5k shares on-market at roughly €103 per share. This transaction amounted to 53% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €1.2m. Insiders have been net sellers, collectively disposing of €2.5m more than they bought in the last 12 months.
Recent Insider Transactions • Nov 19Insider recently sold €1.2m worth of stockOn the 13th of November, Mark Schell sold around 15k shares on-market at roughly €81.55 per share. This transaction amounted to 37% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €2.0m more than they bought in the last 12 months.
Reported Earnings • Nov 09Third quarter 2023 earnings released: EPS: CA$3.93 (vs CA$2.92 in 3Q 2022)Third quarter 2023 results: EPS: CA$3.93 (up from CA$2.92 in 3Q 2022). Revenue: CA$191.3m (up 19% from 3Q 2022). Net income: CA$66.3m (up 41% from 3Q 2022). Profit margin: 35% (up from 29% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 31% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 19% per year, which means it is well ahead of earnings.
お知らせ • Nov 08Goeasy Ltd. Approves Quarterly Dividend, Payable on January 12, 2024goeasy Ltd. has approved a quarterly dividend of $0.96 per share payable on January 12, 2024 to the holders of common shares of record as at the close of business on December 29, 2023.
お知らせ • Oct 25goeasy Ltd. to Report Q3, 2023 Results on Nov 07, 2023goeasy Ltd. announced that they will report Q3, 2023 results After-Market on Nov 07, 2023
Upcoming Dividend • Sep 21Upcoming dividend of CA$0.96 per share at 3.4% yieldEligible shareholders must have bought the stock before 28 September 2023. Payment date: 13 October 2023. Payout ratio is a comfortable 34% but the company is not cash flow positive. Trailing yield: 3.4%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (6.1%).
New Risk • Aug 20New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: €689k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). High level of non-cash earnings (24% accrual ratio). Minor Risks Paying a dividend despite having no free cash flows. Shareholders have been diluted in the past year (4.4% increase in shares outstanding). Significant insider selling over the past 3 months (€689k sold).
Recent Insider Transactions • Aug 20Board Member recently sold €689k worth of stockOn the 17th of August, Donald Johnson sold around 8k shares on-market at roughly €86.12 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €927k more than they bought in the last 12 months.
お知らせ • Aug 10Goeasy Ltd. Approves Quarterly Dividend, Payable on October 13, 2023The Board of Directors of goeasy Ltd. has approved a quarterly dividend of $0.96 per share payable on October 13, 2023 to the holders of common shares of record as at the close of business on September 29, 2023.
Reported Earnings • Aug 10Second quarter 2023 earnings released: EPS: CA$3.29 (vs CA$2.37 in 2Q 2022)Second quarter 2023 results: EPS: CA$3.29 (up from CA$2.37 in 2Q 2022). Revenue: CA$180.6m (up 14% from 2Q 2022). Net income: CA$55.6m (up 45% from 2Q 2022). Profit margin: 31% (up from 24% in 2Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 33% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 26% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Jul 28goeasy Ltd. to Report Q2, 2023 Results on Aug 09, 2023goeasy Ltd. announced that they will report Q2, 2023 results on Aug 09, 2023
Upcoming Dividend • Jun 22Upcoming dividend of CA$0.96 per share at 3.5% yieldEligible shareholders must have bought the stock before 29 June 2023. Payment date: 14 July 2023. Payout ratio is a comfortable 37% but the company is not cash flow positive. Trailing yield: 3.5%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (7.1%).
Valuation Update With 7 Day Price Move • May 16Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €73.90, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 8x in the Consumer Finance industry in Europe. Total returns to shareholders of 153% over the past three years.
Reported Earnings • May 10First quarter 2023 earnings released: EPS: CA$3.06 (vs CA$1.59 in 1Q 2022)First quarter 2023 results: EPS: CA$3.06 (up from CA$1.59 in 1Q 2022). Revenue: CA$177.2m (up 15% from 1Q 2022). Net income: CA$51.4m (up 97% from 1Q 2022). Profit margin: 29% (up from 17% in 1Q 2022). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 29% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • May 10+ 1 more updategoeasy Ltd. Revises Earnings Guidance for 2023, 2024 and 2025goeasy Ltd. revised earnings guidance for 2023, 2024 and 2025. For 2023, the company expects Total revenue in the range of $3.4 billion to $3.6 billion.For 2024, the company expects Total revenue in the range of $4.1 billion to $4.35 billion compared to previous guidance of $4.1 billion to $4.3 billion .For 2025, the company expects Total revenue in the range of $4.7 billion to $5.10 billion compared to previous guidance of $4.7 billion to $5.0 billion .
Valuation Update With 7 Day Price Move • Mar 30Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €61.00, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 6x in the Consumer Finance industry in Europe. Total returns to shareholders of 206% over the past three years.
Upcoming Dividend • Mar 23Upcoming dividend of CA$0.96 per share at 3.5% yieldEligible shareholders must have bought the stock before 30 March 2023. Payment date: 14 April 2023. Payout ratio is a comfortable 42% but the company is not cash flow positive. Trailing yield: 3.5%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (4.6%).
Recent Insider Transactions • Mar 22Executive VP & Chief Marketing Officer recently bought €70k worth of stockOn the 16th of March, Andrea Fiederer bought around 904 shares on-market at roughly €77.56 per share. This transaction amounted to 4.2% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €251k more in shares than they bought in the last 12 months.
Reported Earnings • Feb 17Full year 2022 earnings released: EPS: CA$8.61 (vs CA$15.12 in FY 2021)Full year 2022 results: EPS: CA$8.61 (down from CA$15.12 in FY 2021). Revenue: CA$636.9m (up 12% from FY 2021). Net income: CA$140.2m (down 43% from FY 2021). Profit margin: 22% (down from 43% in FY 2021). Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 9.7% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 21% per year whereas the company’s share price has increased by 19% per year.
Reported Earnings • Feb 17Full year 2022 earnings released: EPS: CA$8.61 (vs CA$15.12 in FY 2021)Full year 2022 results: EPS: CA$8.61 (down from CA$15.12 in FY 2021). Revenue: CA$636.9m (up 12% from FY 2021). Net income: CA$140.2m (down 43% from FY 2021). Profit margin: 22% (down from 43% in FY 2021). Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 9.7% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 21% per year whereas the company’s share price has increased by 19% per year.
お知らせ • Feb 17goeasy Ltd. Provides Earnings Guidance for 2023, 2024 and 2025goeasy Ltd. provided earnings guidance for 2023, 2024 and 2025. For 2023, the company expects Total revenue in the range of $3.4 billion to $3.6 billion.For 2024, the company expects Total revenue in the range of $4.1 billion to $4.3 billion.For 2025, the company expects Total revenue in the range of $4.7 billion to $5.0 billion.
お知らせ • Feb 02goeasy Ltd. to Report Q4, 2022 Results on Feb 15, 2023goeasy Ltd. announced that they will report Q4, 2022 results After-Market on Feb 15, 2023
Upcoming Dividend • Dec 22Upcoming dividend of CA$0.91 per shareEligible shareholders must have bought the stock before 29 December 2022. Payment date: 13 January 2023. Payout ratio is a comfortable 34% but the company is not cash flow positive. Trailing yield: 3.4%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (4.9%).
Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: CA$2.92 (vs CA$3.79 in 3Q 2021)Third quarter 2022 results: EPS: CA$2.92 (down from CA$3.79 in 3Q 2021). Revenue: CA$160.6m (up 5.3% from 3Q 2021). Net income: CA$47.2m (down 26% from 3Q 2021). Profit margin: 29% (down from 42% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 21% p.a. on average during the next 3 years, compared to a 8.3% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 30% per year whereas the company’s share price has increased by 28% per year.
Reported Earnings • Nov 12Third quarter 2022 earnings released: EPS: CA$2.92 (vs CA$3.79 in 3Q 2021)Third quarter 2022 results: EPS: CA$2.92 (down from CA$3.79 in 3Q 2021). Revenue: CA$161.2m (up 5.5% from 3Q 2021). Net income: CA$47.2m (down 26% from 3Q 2021). Profit margin: 29% (down from 42% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 8.3% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 30% per year whereas the company’s share price has increased by 29% per year.
Recent Insider Transactions • Sep 25Independent Director recently sold €311k worth of stockOn the 19th of September, Sean Morrison sold around 3k shares on-market at roughly €90.39 per share. This transaction amounted to 26% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought €640k more than they sold in the last 12 months.
Upcoming Dividend • Sep 21Upcoming dividend of CA$0.91 per shareEligible shareholders must have bought the stock before 28 September 2022. Payment date: 14 October 2022. Payout ratio is a comfortable 29% but the company is not cash flow positive. Trailing yield: 3.1%. Lower than top quartile of German dividend payers (5.0%). Lower than average of industry peers (5.2%).
Reported Earnings • Aug 13Second quarter 2022 earnings released: EPS: CA$2.37 (vs CA$1.20 in 2Q 2021)Second quarter 2022 results: EPS: CA$2.37 (up from CA$1.20 in 2Q 2021). Revenue: CA$159.0m (up 19% from 2Q 2021). Net income: CA$38.3m (up 97% from 2Q 2021). Profit margin: 24% (up from 14% in 2Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 80%, compared to a 21% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has increased by 44% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Aug 11+ 1 more updategoeasy Ltd. Approves Quarterly Dividend, Payable on October 14, 2022goeasy Ltd. Board of Directors has approved a quarterly dividend of $0.91 per share payable on October 14, 2022 to the holders of common shares of record as at the close of business on September 30, 2022.
お知らせ • Jul 29goeasy Ltd. to Report Q2, 2022 Results on Aug 10, 2022goeasy Ltd. announced that they will report Q2, 2022 results After-Market on Aug 10, 2022
Valuation Update With 7 Day Price Move • Jul 23Investor sentiment improved over the past weekAfter last week's 16% share price gain to €83.50, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 6x in the Consumer Finance industry in Europe. Total returns to shareholders of 150% over the past three years.
お知らせ • Jul 20Goeasy Ltd. Appoints Jonathan Tétrault to Its Board of Directorsgoeasy Ltd. announced Jonathan Tétrault has been appointed to its Board of Directors. Jonathan Tétrault is a highly respected, Quebec-based, senior executive with over 20 years of experience as a strategic advisor in management consulting and law. Jonathan is currently a Managing Partner at Sagard Holdings, a global alternative asset management platform investing in private equity, venture capital, credit, and royalty transactions. Jonathan joined Sagard in 2020 and is responsible for the development and global scaling of the organization, managing its ecosystem of partners and investors, and leading the value creation team supporting the firm’s portfolio companies. Prior to his current role, Jonathan was the President and Chief Operating Officer of Cirque du Soleil where he oversaw all operations and business development activities. Prior to his position at Cirque du Soleil, he was a senior partner at McKinsey & Company where he spent 14 years. During that period, he has served as Managing Partner of the Montreal office and co-lead the global Institutional Investor practice. Over his years with McKinsey, he advised institutional investors, private equity firms, asset management firms and banks, on a broad range of strategic and investment matters, in more than 25 countries. As a trained lawyer, he also practiced M&A law at Borden Ladner Gervais in Canada and Andersen in France. Jonathan holds an MBA from Oxford University, an LL.B. (law degree) from the Université de Montréal, and a Political Studies certification from the Institut d'Études Politiques de Paris. He is also a member of the Barreau du Québec and serves on several boards, including the Orchestre Symphonique de Montréal, C.D. Howe Institute, the Chamber of Commerce of Metropolitan Montreal, and an appointment to the Board of EverWest Real Estate Investors as well as the board of the Montreal Museum of Fine Arts earlier this year.
Upcoming Dividend • Jun 16Upcoming dividend of CA$0.91 per shareEligible shareholders must have bought the stock before 23 June 2022. Payment date: 08 July 2022. Payout ratio is a comfortable 30% but the company is not cash flow positive. Trailing yield: 3.6%. Lower than top quartile of German dividend payers (4.5%). Lower than average of industry peers (4.7%).
Valuation Update With 7 Day Price Move • Jun 14Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to €72.00, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total returns to shareholders of 122% over the past three years.
Reported Earnings • May 13First quarter 2022 earnings released: EPS: CA$1.59 (vs CA$7.41 in 1Q 2021)First quarter 2022 results: EPS: CA$1.59 (down from CA$7.41 in 1Q 2021). Revenue: CA$154.5m (up 22% from 1Q 2021). Net income: CA$26.1m (down 77% from 1Q 2021). Profit margin: 17% (down from 88% in 1Q 2021). Over the next year, revenue is forecast to grow 73%, compared to a 75% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 45% per year but the company’s share price has only increased by 29% per year, which means it is significantly lagging earnings growth.
Reported Earnings • May 13First quarter 2022 earnings released: EPS: CA$1.59 (vs CA$7.41 in 1Q 2021)First quarter 2022 results: EPS: CA$1.59 (down from CA$7.41 in 1Q 2021). Revenue: CA$154.5m (up 22% from 1Q 2021). Net income: CA$26.1m (down 77% from 1Q 2021). Profit margin: 17% (down from 88% in 1Q 2021). Over the next year, revenue is forecast to grow 73%, compared to a 75% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 45% per year but the company’s share price has only increased by 29% per year, which means it is significantly lagging earnings growth.
お知らせ • May 12Goeasy Ltd. Approves Quarterly Dividend, Payable on July 8, 2022goeasy Ltd. approved a quarterly dividend of $0.91 per share payable on July 8, 2022 to the holders of common shares of record as at the close of business on June 24, 2022.
