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Home Companiesgoeasy Ltd

goeasy Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
47.4 CAD 1.76 ( 3.86%)
Last update at 2026-11-04T20:44:00Z
VOLUME
183802
Market Cap
522.54M

Momentum Score

…

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. It also leases 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
46.13
Low
50.32
High
52 Week Price Range
30.67
Low
212.31
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

goeasy Ltd is a Canadian consumer finance company operating easyfinancial (unsecured installment loans) and easyhome (lease-to-own retail) focused on non-prime customers. Long-term growth drivers include sustained demand for alternative credit, expansion of its digital lending platform and cross-selling between finance and retail channels, which may benefit revenue and customer retention; investors may find the company attractive for its niche market position and data-driven underwriting that appears positioned to generate recurring cash flows.

Key risks include credit losses and macro sensitivity raising charge-offs, regulatory or interest-rate pressure on pricing and funding costs, and intensified competition from banks and fintech entrants.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
45.64
Dividend Yield
18.18%
Revenue TTM
506.32M
Revenue Per Share
30.61
Gross Profit TTM
506.32M
Debt / Equity
5.44
ROE
-17.55%
Net Debt
4525.66M
ROCE
16.96%
Diluted EPS TTM
-10.78

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -180.92M 387.30M 336.95M 195.78M 316.85M
Net income -178.37M 283.11M 247.90M 140.16M 244.94M
Selling general administrative 77.51M 72.25M 66.75M 58.75M 50.52M
Selling and marketing expenses 31.74M 32.98M 31.02M 34.07M 30.39M
Gross profit 1169.07M 1049.66M 851.59M 795.88M 622.03M
Reconciled depreciation 82.18M 83.89M 86.33M 81.31M 78.89M
Ebit 937.40M 835.06M 654.13M 583.07M 450.26M
Ebitda 1019.58M 918.96M 740.46M 664.38M 529.15M
Depreciation and amortization 82.18M 83.89M 86.33M 81.31M 78.89M
Operating income 937.40M 609.66M 476.52M 583.07M 450.26M
Other operating expenses 759.39M 913.63M 773.55M 409.16M 375.32M
Interest expense - -4.78M 171.57M 93.85M 66.20M
Tax provision -2.55M 104.19M 89.06M 55.62M 71.91M
Interest income 7.03M 220.99M 3.21M 107.97M 77.30M
Net interest income -58.04M 16.87M 14.70M -92.30M -73.35M
Income tax expense -2.55M 104.19M 89.06M 55.62M 71.91M
Total revenue 1696.79M 1523.29M 1250.07M 1019.34M 826.72M
Total operating expenses 231.67M 440.00M 375.07M 185.70M 170.63M
Cost of revenue 527.72M 473.63M 398.48M 223.46M 204.69M
Total other income expense net -1118.32M -222.36M -139.56M -387.29M -133.41M
Net income from continuing ops -178.37M 283.11M 247.90M 140.16M 244.94M
Net income applicable to common shares - 283.11M 247.90M 140.16M 244.94M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 5758.01M 5194.54M 4164.17M 3302.89M 2596.15M
Intangible assets 104.14M 110.98M 124.93M 138.80M 159.65M
Other current assets 62.36M - -3622.93M 38.53M 27.62M
Total liab 4907.59M 3993.47M 3110.09M 2433.20M 1806.24M
Total stockholder equity 850.42M 1201.06M 1054.08M 869.69M 789.91M
Other current liab 23.40M - -2779.01M 25.12M -246.13M
Common stock 430.32M - 428.33M 419.05M 363.51M
Capital stock 430.32M 438.30M 428.33M 419.05M 363.51M
Retained earnings 406.68M 792.76M 610.65M 426.37M 395.25M
Other liab - - - 53.35M 50.00M
Good will 21.31M 180.92M 180.92M 180.92M 180.92M
Other assets - - - 48.44M 47.18M
Cash 99.46M 251.38M 120.38M 32.45M 82.88M
Total current liabilities 230.99M 275.86M 152.90M 253.57M 115.17M
Current deferred revenue 31.22M - 26.96M 28.66M 11.35M
Net debt 4525.66M 3378.42M 2770.10M 2271.13M 1828.22M
Short term debt - - 2819.66M 148.65M 292.81M
Short long term debt - - - 148.65M 292.81M
Short long term debt total 4625.12M - 2890.47M 2303.59M 1911.10M
Other stockholder equity 26.78M - -585.84M 21.50M 22.58M
Property plant equipment - - - 150.05M 92.42M
Total current assets 5347.19M 4591.95M 3582.05M 2693.34M 2014.58M
Long term investments 29.10M 41.92M 61.46M 57.30M 64.44M
Net tangible assets - - - 549.96M 449.34M
Net receivables 5185.37M 128.62M 3428.01M 2622.35M 1904.08M
Long term debt 4565.67M 3629.80M 2819.66M 2080.61M 1085.91M
Inventory - - 3656.59M - -
Accounts payable 176.38M 205.91M 85.28M 51.14M 57.13M
Accumulated other comprehensive income -13.37M - -9.72M 2.78M 8.57M
Non currrent assets other 114.05M - -4091.92M 82.47M 36.95M
Non current assets total 410.81M 602.58M 582.12M 609.55M 581.58M
Capital lease obligations 59.45M 62.16M 70.81M 74.33M 65.61M
Long term debt total - - - 2154.94M 1151.51M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 0.00M 3.52M -41.64M -42.49M 97.86M
Change to liabilities - - - 13.03M 9.77M
Total cashflows from investing activities -22.20M 3.52M -11.75M -42.49M -210.63M
Net borrowings 982.68M 671.51M 629.95M 570.40M 228.11M
Total cash from financing activities 781.93M 572.73M 566.89M 508.55M 298.94M
Change to operating activities - - - -1005.80M -480.87M
Net income -178.37M 283.11M 247.90M 140.16M 244.94M
Change in cash -94.88M 106.80M 81.92M -39.83M 9.43M
Begin period cash flow 247.54M 144.58M 62.65M 102.48M 93.05M
End period cash flow 152.66M 251.38M 144.58M 62.65M 102.48M
Total cash from operating activities -854.62M -469.45M -473.22M -505.88M -78.88M
Issuance of capital stock 2.35M 6.94M 61.31M 60.56M 170.18M
Depreciation 82.18M 83.89M 86.33M 81.31M 78.89M
Other cashflows from investing activities -15.70M -9.16M -8.13M -14.61M -183.19M
Dividends paid 87.34M -72.77M -60.95M 51.61M 37.47M
Change to inventory - - 1.59M - -
Change to account receivables 0.13M -11.68M -5.07M -4.87M -1.83M
Sale purchase of stock -113.89M -27.87M -8.69M -61.00M -62.29M
Other cashflows from financing activities -1.87M -5.08M -7.82M 1016.50M 986.40M
Change to netincome - - - 287.32M 43.20M
Capital expenditures 22.20M 10.00M 17.36M 27.89M 27.45M
Change in working capital -163.43M 107.00M 43.48M -20.25M 33.23M
Stock based compensation 8.20M 13.53M 12.94M 10.05M 8.88M
Other non cash items -574.20M -947.81M -862.11M -707.11M -442.97M
Free cash flow -876.81M -479.45M -490.58M -533.77M -106.32M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
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		 1.76
3.86%		 47.40 - 4.63 1.03 0.61 2.98 4.95
AXP
American Express CDR (CAD Hedged)		 0.62
2.27%		 27.99 20.47 17.95 3.03 6.45 3.93 -
PRL
Propel Holdings Inc		 3.99
15.05%		 30.50 11.41 5.62 1.47 2.42 1.75 -
ACD
Accord Financial Corp.		 -
-%		 0.71 - 9.34 0.64 0.22 10.57 24.50

Profile*

goeasy Ltd

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. It also leases 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.

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

844-446-3279

https://www.goeasy.com

2599

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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