goeasy (GSY) Stock Overview
Provides non-prime leasing and lending services under the easyhome, easyfinancial, and LendCare brands to consumers in Canada. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 5/6 |
| Past Performance | 0/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
GSY Community Fair Values
Create NarrativeSee what 144 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
goeasy Ltd. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | CA$32.54 |
| 52 Week High | CA$216.50 |
| 52 Week Low | CA$30.14 |
| Beta | 1.36 |
| 1 Month Change | -12.90% |
| 3 Month Change | -73.99% |
| 1 Year Change | -79.80% |
| 3 Year Change | -64.78% |
| 5 Year Change | -78.47% |
| Change since IPO | 2,611.67% |
Recent News & Updates
GSY: Credit Losses And Funding Actions Will Shape Future Returns
Analysts have reduced the fair value estimate for goeasy to CA$33.00 from CA$44.00. This change reflects a broad reset in price targets following recent credit loss updates and concerns related to charge-offs, funding, and earnings visibility.
GSY: Credit And Funding Execution Will Drive Prospects For Future Repricing
Analysts have cut the average fair value estimate for goeasy to roughly CA$74 from about CA$275. This reflects a wave of sharply lower price targets and more cautious views on credit losses, funding and earnings visibility.
GSY: Credit Discipline And Deleveraging Will Support Renewed Upward Momentum
Analysts have sharply reduced the fair value estimate for goeasy to CA$80.30 from CA$194.40, reflecting revised assumptions for slower revenue growth, thinner profit margins, and a higher future P/E multiple following a series of target cuts and downgrades across the Street. Analyst Commentary The recent reset in fair value and price targets comes alongside a wave of revisions across the Street, with both bullish analysts and bearish analysts reassessing what investors should pay for goeasy given updated credit and growth expectations.Recent updates
GSY: Credit Losses And Funding Actions Will Shape Future Returns
Analysts have reduced the fair value estimate for goeasy to CA$33.00 from CA$44.00. This change reflects a broad reset in price targets following recent credit loss updates and concerns related to charge-offs, funding, and earnings visibility.GSY: Credit And Funding Execution Will Drive Prospects For Future Repricing
Analysts have cut the average fair value estimate for goeasy to roughly CA$74 from about CA$275. This reflects a wave of sharply lower price targets and more cautious views on credit losses, funding and earnings visibility.GSY: Credit Discipline And Deleveraging Will Support Renewed Upward Momentum
Analysts have sharply reduced the fair value estimate for goeasy to CA$80.30 from CA$194.40, reflecting revised assumptions for slower revenue growth, thinner profit margins, and a higher future P/E multiple following a series of target cuts and downgrades across the Street. Analyst Commentary The recent reset in fair value and price targets comes alongside a wave of revisions across the Street, with both bullish analysts and bearish analysts reassessing what investors should pay for goeasy given updated credit and growth expectations.GSY: Charge Off Reset And Share Buybacks Will Shape Future Returns
The analyst fair value estimate for goeasy has been revised sharply lower to CA$44 from CA$135. This change reflects a series of reduced Street price targets and more cautious views as analysts factor in higher charge-offs, questions around underwriting and funding, and the need to rebuild investor confidence.GSY: Credit Discipline And Share Buybacks Will Support Renewed Upward Momentum
Analysts now see goeasy's fair value at CA$194.40, down from CA$203.40, reflecting recent price target cuts and a more cautious stance highlighted in the latest Street research. Analyst Commentary Recent Street research points to a more cautious tone on goeasy, with both target price cuts and a downgrade signaling a reset in expectations rather than a wholesale shift in the long term story.GSY: Share Buybacks And Leadership Transition Will Shape Returns Under Cautious Market Views
Analysts have trimmed their fair value estimate on goeasy to CA$135.00 from CA$153.00, reflecting recent target cuts and more cautious views on growth, profitability and future P/E assumptions following the latest Street research. Analyst Commentary Recent research points to a more cautious tone around goeasy, with the lower fair value estimate aligning with bearish analysts who have adjusted their targets and recommendations.GSY: Share Buybacks And Leadership Transition Will Support Future Repricing
Narrative Update: goeasy Analyst Price Target Shift Analysts have reduced their average price targets on goeasy by C$15 to C$156, reflecting a more cautious stance on the shares while broadly maintaining existing ratings. Analyst Commentary Recent research on goeasy reflects a more cautious overall stance, but there are still constructive elements in how some bullish analysts frame the story around valuation, execution and potential growth.GSY: Share Buybacks Will Support Returns Despite Lower Street Expectations
goeasy's analyst price target has been revised from C$171 to C$153 as analysts adjust their outlook, referencing recent target reductions from C$194 to C$156 and from C$265 to C$245, along with updated assumptions for revenue growth, profit margins, discount rate and future P/E. Analyst Commentary Recent research updates point to a more cautious tone around goeasy, with price targets reset lower even as existing ratings remain unchanged.GSY: Credit Resilience And Buybacks Will Support Renewed Upward Momentum
Analysts have trimmed their average price targets for goeasy, with recent revisions ranging from C$245 to C$156. This reflects updated views on the company’s risk profile and earnings visibility, while leaving core valuation drivers such as fair value, discount rate, growth, margins, and future P/E essentially unchanged.GSY: Revenue And Margin Resilience Will Offset Short-Seller Pressure
Analysts have trimmed their price target on goeasy to C$275 from about C$292, reflecting slightly lower valuation multiples, even as they highlight improving revenue growth and profit margin expectations. Analyst Commentary Recent Street research on goeasy reflects a mixed but generally supportive stance, as analysts adjust price targets to reflect updated valuation frameworks while maintaining confidence in the company’s execution and growth prospects.GSY: Credit Performance Resilience Will Support Renewed Upward Momentum
Analysts have modestly trimmed their price target on goeasy, reflecting a fair value reduction of about C$5.50 per share. This change factors in slightly higher discount rates and a marginally lower future price to earnings multiple, while growth and profitability expectations remain largely intact.GSY: Projected Credit Loss Unwinding Will Support Renewed Upward Momentum
Analysts have lowered their price targets on goeasy, with recent adjustments reflecting a decrease from previous estimates, such as from C$194 to C$156 and C$265 to C$245. These changes cite modest downward revisions to growth and profitability assumptions in their updated outlooks.GSY: Projected Credit Loss Resolutions Will Drive Positive Momentum Ahead
Analysts have lowered their price target for goeasy from approximately $240 to $223, citing updated valuation inputs and market assessment in line with recent research. Analyst Commentary Bullish Takeaways Bullish analysts continue to express confidence in goeasy's growth prospects and maintain positive ratings despite the reduction in target price.Market Still Lacking Some Conviction On goeasy Ltd. (TSE:GSY)
Nov 05
Digital Origination And Secured Lending Will Unlock New Markets
goeasy’s consensus price target has increased, primarily reflecting a modest rise in its projected future P/E ratio while profit margins remain stable, resulting in a revised fair value of CA$240.33. Valuation Changes Summary of Valuation Changes for goeasy The Consensus Analyst Price Target has risen slightly from CA$232.11 to CA$240.33.goeasy Ltd. (TSE:GSY) Screens Well But There Might Be A Catch
Jun 19goeasy (TSE:GSY) Is Paying Out A Larger Dividend Than Last Year
Mar 04goeasy (TSE:GSY) Has Announced That It Will Be Increasing Its Dividend To CA$1.46
Feb 18Should You Be Adding goeasy (TSE:GSY) To Your Watchlist Today?
Jan 21
Expansion Into Secured Lending May Improve Credit Mix And Lower Risk
Strong loan portfolio growth and secured lending expansion improve market share and credit mix, driving future revenue and margin growth.goeasy Ltd.'s (TSE:GSY) Share Price Is Matching Sentiment Around Its Earnings
Nov 14This Is Why We Think goeasy Ltd.'s (TSE:GSY) CEO Might Get A Pay Rise Approved By Shareholders
May 02Shareholder Returns
| GSY | CA Consumer Finance | CA Market | |
|---|---|---|---|
| 7D | 2.8% | -0.4% | 0.08% |
| 1Y | -79.8% | -59.0% | 35.0% |
Return vs Industry: GSY underperformed the Canadian Consumer Finance industry which returned -59% over the past year.
Return vs Market: GSY underperformed the Canadian Market which returned 35% over the past year.
Price Volatility
| GSY volatility | |
|---|---|
| GSY Average Weekly Movement | 18.9% |
| Consumer Finance Industry Average Movement | 10.6% |
| Market Average Movement | 10.6% |
| 10% most volatile stocks in CA Market | 18.2% |
| 10% least volatile stocks in CA Market | 4.0% |
Stable Share Price: GSY's share price has been volatile over the past 3 months compared to the Canadian market.
Volatility Over Time: GSY's weekly volatility has increased from 11% to 19% over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1990 | 2,616 | Patrick Ens | www.goeasy.com |
goeasy Ltd. provides non-prime leasing and lending services under the easyhome, easyfinancial, and LendCare brands to consumers in Canada. It operates through two segments, Easyfinancial and Easyhome. The company offers unsecured and secured installment loans; home equity and improvement, secured instalment loans and automotive vehicle financing; and loans to finance the purchase of retail goods, powersports and recreational vehicles, home improvement projects, and healthcare related products and services.
goeasy Ltd. Fundamentals Summary
| GSY fundamental statistics | |
|---|---|
| Market cap | CA$545.31m |
| Earnings (TTM) | -CA$178.37m |
| Revenue (TTM) | CA$506.32m |
1.0x
P/S Ratio-2.9x
P/E RatioIs GSY overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| GSY income statement (TTM) | |
|---|---|
| Revenue | CA$506.32m |
| Cost of Revenue | CA$0 |
| Gross Profit | CA$506.32m |
| Other Expenses | CA$684.69m |
| Earnings | -CA$178.37m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
May 12, 2026
| Earnings per share (EPS) | -11.12 |
| Gross Margin | 100.00% |
| Net Profit Margin | -35.23% |
| Debt/Equity Ratio | 542.3% |
How did GSY perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/01 04:27 |
| End of Day Share Price | 2026/05/01 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
goeasy Ltd. is covered by 13 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jeffrey Fenwick | ATB Cormark |
| Doug Cooper | Beacon Securities Limited |
| Etienne Ricard | BMO Capital Markets Equity Research |