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goeasy Ltd (GSY) fair value: what the stock is really worth

As of Nov 11, 2026: fair value (intrinsic value) of goeasy Ltd stock C$35.68, price C$37.61, that is 5.1% below the price, quality 37 out of 100. Rating: fairly valued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services CA · ISIN CA3803551074

GL goeasy Ltd logo Thin data Nov 12, 2026

goeasy Ltd

GSY · TO
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Positive coverage
Fair value C$35.68 · Fairly valued
Expensive Growth (revenue 5y +21.0 %/yr in CAD)
7.8% dividend yield · Safety not assessed
Revenue last quarter 42% below a year ago.
Quality 37/100
Loss-making · -120.3% net margin (TTM)
Trails peers (4/12)
Narrow moat 20/100
Thin data
Estimate
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26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

C$210.62 C$28.50 Fair Value C$35.68 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 12, 2026.

How to read this chart

60‑month range C$28.50 – C$210.62 · fair‑value band C$26.76 – C$44.60 · the C$37.61 price screens above the C$35.68 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 12, 2026.

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Company profile

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.

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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.

Stock analysis

goeasy Ltd (GSY) currently trades at C$37.61, while our estimate is C$35.68, so the stock looks roughly fairly valued today (gap 5.4%).

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: C$26.76 (bear) to C$44.60 (bull), the price of C$37.61 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

goeasy Ltd reported revenue of C$1.7B in FY2025 versus C$827M in FY2021, a compound +19.7%/yr. Reported net income was −C$178M in FY2025.

Key figures

Market cap C$721M (≈ $506M) Small · P/E ex one-offs 12.4 · P/S ratio 2.51 · EPS (TTM) C$−20.71 · Dividend yield 7.8% · Net margin −120% · Return on equity −34.4% · Return on assets (EBIT) 12.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 20 out of 100 (medium confidence).

What moves the price

The share trades about 73% below its 52-week high and 32% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −2% fair-value upside, at −5%, GSY screens richer than that median.

Fair Value

Bear C$26.76 Fair Value C$35.68 Bull C$44.60
Price C$37.61 · Downside -5.1%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 37/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 12
How much profit the company makes from its sales and capital
Quality Growth 41
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 6
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 20
How calm the share price moves, does not count
Price momentum 31
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 4
Distance to the 52-week high, does not count
New shares 88
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+11.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.0%
Start year 2020 (pandemic). Over 10 years: +18.8% a year
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.6%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
33.1% (2020) → 55.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Earlier news

News mood ⓘNews mood, the average tone of recent news (94 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 327 stocks

Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 37 · Bottom 25%
Fair Value upside −5.1% · Below median
Profitability
Return on assets −3.1% · Bottom 25%
Net margin (12 months) −120.3% · Bottom 25%
Operating margin (12 months) 11.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −41.6% · Bottom 25%
Dividend yield (12 months) 7.8% · Top 25%
Balance sheet
Debt / equity 5.37× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.85× · Cheaper than median
P/S (12 months) 2.51× · Cheaper than median
EV/EBITDA 5.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)27 · sector 44
FUTURE (revenue growth)0 · sector 57
PAST (return on equity)0 · sector 34
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 62

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $72.02 $141.92 +97% vs GSY
PayPal Holdings PYPL $59.48 $107.45 +81% vs GSY
Shriram Finance Limited SHRIRAMFIN ₹969.15 ₹1,309 +35% vs GSY
Affirm Holdings AFRM $67.84 $72.55 +7% vs GSY
Bajaj Finance Limited BAJFINANCE ₹1,079 ₹1,055 −2% vs GSY
American Express Company AXP $323.11 $233.72 −28% vs GSY
Visa Inc V $425.55 $242.87 −43% vs GSY
Mastercard Incorporated MA $660.73 $360.13 −46% vs GSY
Capital One Financial Corporation COF $197.11 $106.81 −46% vs GSY
SoFi Technologies, Inc SOFI $16.27 $5.51 −66% vs GSY

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goeasy Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "goeasy Ltd Fair Value". https://www.fairvalue-calculator.com/stock/GSY

Frequently asked questions

Is goeasy Ltd (GSY) overvalued or undervalued?
As of Nov 12, 2026, our estimate of fair value is C$35.68 versus a price of C$37.61, about 5% lower (fairly valued).
What is the fair value of GSY?
Our estimate for goeasy Ltd is C$35.68 (as of Nov 12, 2026), built from audited fundamentals. The current price: C$37.61.
What is the quality score of GSY?
goeasy Ltd has a Quality Score of 37/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for goeasy Ltd (GSY)?
Our calculated price target is the estimate of C$35.68 (as of Nov 12, 2026). Cautious scenario C$26.76, optimistic scenario C$44.60. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the goeasy Ltd stock forecast for 2026?
Our estimate puts fair value at C$35.68, about 5% lower versus a price of C$37.61 (fairly valued). Cautious scenario C$26.76, optimistic scenario C$44.60. The calculation is refreshed regularly with new filings.
Does goeasy Ltd pay a dividend?
goeasy Ltd currently shows a dividend yield of 7.76% relative to its recent price (as of Nov 12, 2026).
How much is the dividend of goeasy Ltd (GSY) and when is the ex-dividend date?
goeasy Ltd pays a dividend of C$2.92 per share a year, a dividend yield of 7.8%. The last ex-dividend date was Dec 24, 2025. A dividend has been paid every year since 2004. Our assessment: Safety not assessed. Payout ratio and cash coverage are not available, so we do not judge how safe this dividend is.
What is the intrinsic value of goeasy Ltd (GSY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For goeasy Ltd it is C$35.68 per share (as of Nov 12, 2026), against a price of C$37.61.
Is goeasy Ltd stock overvalued or undervalued in 2026?
As of Nov 12, 2026, GSY trades above its calculated fair value: price C$37.61, fair value C$35.68, a gap of about −5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GSY?
No. The price is what the market pays today (C$37.61); the fair value is what the company's own numbers justify (C$35.68). For goeasy Ltd the two are C$1.93 per share apart. That gap is exactly why we show both numbers side by side.
How much is goeasy Ltd worth?
The market values goeasy Ltd at about C$721M (market capitalisation, as of Nov 12, 2026). Per share that is C$37.61; our models calculate a fair value of C$35.68 per share.
What do the bullish and bearish scenarios say about GSY?
Our models span a range for goeasy Ltd: cautious scenario C$26.76, base C$35.68, optimistic C$44.60 per share (as of Nov 12, 2026, price C$37.61). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of goeasy Ltd (GSY)?
Balance-sheet figures for goeasy Ltd (as of Nov 12, 2026): return on equity −34.4%, debt of 5.37 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is GSY from its 52-week high?
goeasy Ltd trades at C$37.61, about 73% below its 52-week high of C$138.72 and 32% above the low of C$28.50 (as of Nov 11, 2026). Distance from the high says nothing about value: that is what the fair value of C$35.68 is for.
Which stocks are comparable to goeasy Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is goeasy Ltd stock attractive at the current price?
The data as of Nov 12, 2026: price C$37.61, calculated fair value C$35.68 (−5%), Quality Score 37/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0% above its aggregate fair value. goeasy Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of goeasy Ltd (GSY)?
The closing price on Nov 11, 2026 was C$37.61. Our estimate is C$35.68, about 5% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with goeasy Ltd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of goeasy Ltd (GSY) come from?
Earnings per share at goeasy Ltd grew +28.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +16.6 %, EBIT margin +11.2 %, tax rate −0.2 %, residual (interest, one-offs) −0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of goeasy Ltd

How large is the market capitalisation of goeasy Ltd (GSY)?
The market capitalisation of goeasy Ltd is C$721M (≈ $506M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of goeasy Ltd (GSY) excluding one-off items?
Excluding one-off items, the price-to-earnings ratio of goeasy Ltd is 12.4 (fiscal year 2025, the reported result was a loss, median at FY-end 11.7 (10 FY)).
What is the P/S ratio of goeasy Ltd (GSY)?
The price-to-sales ratio of goeasy Ltd is 2.51 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of goeasy Ltd (GSY)?
Earnings per share at goeasy Ltd are C$−20.71. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of goeasy Ltd (GSY)?
The dividend yield of goeasy Ltd is 7.8%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of goeasy Ltd (GSY)?
The net margin of goeasy Ltd is −120% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of goeasy Ltd (GSY)?
The return on equity (ROE) of goeasy Ltd is −34.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of goeasy Ltd (GSY)?
On an EBIT basis the return on assets of goeasy Ltd is 12.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of goeasy Ltd (GSY)?
The operating margin of goeasy Ltd is 11.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at goeasy Ltd (GSY)?
Revenue at goeasy Ltd is growing −41.6% versus a year earlier (3y avg +18.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at goeasy Ltd (GSY)?
Earnings per share at goeasy Ltd are growing −82.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does goeasy Ltd (GSY) generate?
The free cash flow of goeasy Ltd is −C$877M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does goeasy Ltd (GSY) carry?
The net debt of goeasy Ltd is C$4.5B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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