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goeasy Ltd

Financial Services CA GSY

171.465CAD
-0.815(0.47%)

Last update at 2024-11-21T19:37:00Z

Day Range

170.90173.45
LowHigh

52 Week Range

118.36204.67
LowHigh

Fundamentals

  • Previous Close 172.28
  • Market Cap3002.18M
  • Volume28436
  • P/E Ratio10.93
  • Dividend Yield2.61%
  • Revenue TTM803.91M
  • Revenue Per Share TTM47.15
  • Gross Profit TTM 636.92M
  • Diluted EPS TTM16.40

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 195.78M 316.85M 183.18M 89.51M 73.92M
Minority interest - - - - -
Net income 140.16M 244.94M 136.50M 64.35M 53.12M
Selling general administrative 58.75M 50.52M 44.27M 41.55M 52.62M
Selling and marketing expenses 34.07M 30.39M 26.79M 26.70M 19.14M
Gross profit 795.88M 622.03M 472.24M 446.47M 310.32M
Reconciled depreciation 81.31M 78.89M 64.72M 64.36M 52.00M
Ebit 583.07M 450.26M 343.34M 299.73M 316.42M
Ebitda 664.38M 529.15M 408.06M 364.09M 368.42M
Depreciation and amortization 81.31M 78.89M 64.72M 64.36M 52.00M
Non operating income net other - - - - -
Operating income 583.07M 450.26M 343.34M 299.73M 316.42M
Other operating expenses 409.16M 375.32M 310.10M 288.94M 308.75M
Interest expense 93.85M 66.20M 46.90M 53.47M 41.26M
Tax provision 55.62M 71.91M 46.68M 25.16M 20.79M
Interest income 107.97M 77.30M 0.52M 57.56M 45.80M
Net interest income -92.29600M -73.35100M -54.99200M -79.28100M -45.80000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 55.62M 71.91M 46.68M 25.16M 20.79M
Total revenue 1019.34M 826.72M 652.92M 609.38M 506.19M
Total operating expenses 185.70M 170.63M 129.41M 126.03M 112.88M
Cost of revenue 223.46M 204.69M 180.69M 162.91M 195.87M
Total other income expense net -387.29300M -133.41000M -160.15500M -210.21300M -242.50000M
Discontinued operations - - - - -
Net income from continuing ops 140.16M 244.94M 136.50M 64.35M 53.12M
Net income applicable to common shares 140.16M 244.94M 136.50M 64.35M 53.12M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 4164.17M 3302.89M 2596.15M 1501.92M 1318.62M
Intangible assets 124.93M 138.80M 159.65M 25.24M 17.75M
Earning assets - - - - -
Other current assets -3622.92700M 38.53M 27.62M 13.01M 7.08M
Total liab 3110.09M 2433.20M 1806.24M 1058.40M 986.20M
Total stockholder equity 1054.08M 869.69M 789.91M 443.51M 332.42M
Deferred long term liab - - - - -
Other current liab -2779.01400M 25.12M -246.12800M 46.31M 8.63M
Common stock 428.33M 419.05M 363.51M 181.75M 141.96M
Capital stock 428.33M 419.05M 363.51M 181.75M 141.96M
Retained earnings 610.65M 426.37M 395.25M 247.31M 171.08M
Other liab - 53.35M 50.00M 10.62M 8.08M
Good will 180.92M 180.92M 180.92M 21.31M 21.31M
Other assets - 48.44M 47.18M 53.63M 64.75M
Cash 120.38M 32.45M 82.88M 62.95M 46.34M
Cash and equivalents - - - - -
Total current liabilities 152.90M 253.57M 115.17M 278.18M 164.99M
Current deferred revenue 26.96M 28.66M 11.35M 10.62M -
Net debt 2770.10M 2271.13M 1828.22M 878.70M 865.36M
Short term debt 2819.66M 148.65M 292.81M 198.34M 115.00M
Short long term debt - 148.65M 292.81M 198.34M 115.00M
Short long term debt total 2890.47M 2303.59M 1911.10M 941.65M 911.70M
Other stockholder equity -585.83600M 21.50M 22.58M 19.73M 20.30M
Property plant equipment - 150.05M 92.42M 77.66M 69.15M
Total current assets 3582.05M 2693.34M 2014.58M 1253.38M 1090.71M
Long term investments 61.46M 57.30M 64.44M 56.04M 34.30M
Net tangible assets - 549.96M 449.34M 396.96M 293.36M
Short term investments - - - - -
Net receivables 3428.01M 2622.35M 1904.08M 1147.33M 1037.29M
Long term debt 2819.66M 2080.61M 1085.91M 689.41M 744.13M
Inventory 3656.59M - - - -
Accounts payable 85.28M 51.14M 57.13M 46.06M 41.35M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -9.72100M 2.78M 8.57M -5.28000M -0.91500M
Additional paid in capital - - - - -
Common stock total equity - - - 181.75M 141.96M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -4091.92100M 82.47M 36.95M 29.66M 43.48M
Deferred long term asset charges - - - - -
Non current assets total 582.12M 609.55M 581.58M 248.53M 227.91M
Capital lease obligations 70.81M 74.33M 65.61M 53.90M 52.57M
Long term debt total - 2154.94M 1151.51M 743.31M 796.70M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -42.49100M 97.86M -28.67300M -45.12800M -15.61600M
Change to liabilities 13.03M 9.77M 5.08M -6.53900M 3.21M
Total cashflows from investing activities -42.49100M -210.63500M -28.67300M -45.12800M -15.61600M
Net borrowings 570.40M 228.11M 65.74M 179.07M 202.58M
Total cash from financing activities 508.55M 298.94M 0.97M 147.15M 217.98M
Change to operating activities -1005.80100M -480.86600M -244.04900M -421.34300M -405.24900M
Net income 140.16M 244.94M 136.50M 64.35M 53.12M
Change in cash -39.82500M 9.43M 46.71M -53.84700M -9.18200M
Begin period cash flow 102.48M 93.05M 46.34M 100.19M 109.37M
End period cash flow 62.65M 102.48M 93.05M 46.34M 100.19M
Total cash from operating activities -505.88100M -78.87500M 74.41M -155.86900M -211.54400M
Issuance of capital stock 60.56M 170.18M 1.72M 3.84M 45.14M
Depreciation 81.31M 78.89M 64.72M 64.36M 52.00M
Other cashflows from investing activities -14.60500M -183.18600M 0.00000M -28.26800M 1.23M
Dividends paid 51.61M 37.47M 23.89M 16.65M 11.68M
Change to inventory - - - -11.42000M -
Change to account receivables -4.86600M -1.83400M 8.70M -3.03200M -1.02800M
Sale purchase of stock -60.99900M -62.29000M -44.38700M -20.31300M -14.99500M
Other cashflows from financing activities 1016.50M 986.40M 186.79M 248.02M 269.52M
Change to netincome 287.32M 43.20M 98.11M 143.11M 82.62M
Capital expenditures 27.89M 27.45M 28.67M 16.86M 16.85M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -20.25100M 33.23M 17.56M -16.12500M 1.85M
Stock based compensation 10.05M 8.88M 7.58M 8.69M 6.84M
Other non cash items -707.10600M -442.97200M -165.59000M -277.14300M -321.79300M
Free cash flow -533.76700M -106.32400M 45.74M -172.72900M -228.39100M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (CAD) Price (CAD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
GSY
goeasy Ltd
-0.815 0.47% 171.47 10.93 8.85 3.73 2.52 4.33 7.21
PRL
Propel Holdings Inc
-0.14 0.36% 38.97 24.68 8.31 3.28 7.70 3.20
ACD
Accord Financial Corp.
- -% 4.00 - - 0.94 0.41 9.05 24.50
CHW
Chesswood Group Limited
- -% 0.90 - 6.37 0.17 0.10 9.18 24.79
CRWN
Crown Capital Partners Inc
-0.22 17.32% 1.05 - 40.98 0.11 0.27 1.63

Reports Covered

Stock Research & News

Profile

goeasy Ltd. provides non-prime leasing and lending services under the easyhome, easyfinancial, and LendCare brands to consumers in Canada. The company operates through two segments, Easyfinancial and Easyhome. It offers unsecured and secured installment loans; home equity 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. The companyleases household furniture, appliances, electronics, and unsecured lending products to retail consumers. The company was formerly known as easyhome Ltd. and changed its name to goeasy Ltd. in September 2015. goeasy Ltd. was incorporated in 1990 and is headquartered in Mississauga, Canada.

goeasy Ltd

33 City Centre Drive, Mississauga, ON, Canada, L5B 2N5

Key Executives

Name Title Year Born
Mr. David Ingram Exec. Chairman 1966
Mr. Jason Mullins Pres, CEO & Director 1983
Mr. Hal Khouri CFO & Exec. VP NA
Ms. Andrea Fiederer Exec. VP & Chief Marketing Officer NA
Mr. Jason Appel Exec. VP & Chief Risk Officer NA
Ms. Jackie Foo Exec. VP & COO NA
Mr. Michael Anthony Eubanks Sr. VP & Chief Information Officer NA
Ms. Sabrina Anzini Sr. VP & Chief Legal Officer NA
Bryan Tritt VP of Communications & PR NA
Mr. Farhan Ali Khan Sr. VP & Chief Corp. Devel. Officer NA

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