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

As of Sep 25, 2026: fair value of goeasy Ltd C$68.57, price C$42.89, upside +59.9%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · CA · ISIN CA3803551074

GL Some data Sep 27, 2026

goeasy Ltd

GSY · TO

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value C$68.57 · Strongly undervalued (+59.9%)
!Quality 41/100
!Expensive Growth (revenue 5y +21.0 %/yr)
!Loss-making · -71.8% net margin (TTM)
!High debt · negative free cash flow
!10.2% dividend yield · Watch coverage
!Mixed vs. peers (5/12)
!Narrow moat 12/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

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

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

C$210.62 C$28.50 Fair Value C$68.57 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range C$28.50 – C$210.62 · fair‑value band C$39.75 – C$91.05 · the C$42.89 price screens below the C$68.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 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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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.

Stock analysis

goeasy Ltd (GSY) currently trades at C$42.89, while our model-based Fair Value estimate is C$68.57, implying the stock looks roughly 37.4% undervalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of C$69.66 per share, and 2 of the 3 models we run sit above the C$42.89 price.

Bear case: the Asset-Based group reads lowest at C$35.54, and 1 of the 3 models stay below the price. Evidence for this calculation is medium.

Scenario range: C$39.75 (bear) to C$91.05 (bull), the price of C$42.89 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 41/100 (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$709M (≈ $502M) · P/E ex one-offs 14.2 · P/S ratio 2.01 · EPS (TTM) C$−16.30 · Dividend yield 10.2% · Net margin −10.5% · Return on equity −27.7% · Return on assets (EBIT) 12.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 75% below its 52-week high and 50% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 60%, GSY screens cheaper than that median.

Fair Value models

Bear C$39.75 Fair Value C$68.57 Bull C$91.05
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Gordon GGM C$42.32 C$76.26 C$104.98 68
DDM Multi-Stage C$42.32 C$69.66 C$81.46 67
NCAV (Graham) C$26.52 C$35.54 C$53.04 54
All 3 models by family
Dividend Discount
Gordon GGM C$42.32 C$76.26 C$104.98 68
DDM Multi-Stage C$42.32 C$69.66 C$81.46 67
Asset-Based
NCAV (Graham) C$26.52 C$35.54 C$53.04 54

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Quality Score breakdown

Overall quality 41/100

Of which business quality 36 · Market factors (momentum, volatility) 23

Profitability 12
Margins and returns on capital today
Quality Growth 41
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 6
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 19
Calm price path (market factor)
Momentum 36
Price trend over the last 3–12 months (market factor)
52W Momentum 5
Distance to the 52-week high (market factor)
Net Issuance 93
Share count: buybacks or dilution?

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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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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 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 37 · Bottom 25%
Fair Value upside +59.9% · Above median
Profitability
Return on assets −4.8% · Bottom 25%
Net margin (TTM) −71.8% · Bottom 25%
Operating margin (TTM) −78.4% · Bottom 25%
Growth and dividend
Revenue growth −67.4% · Bottom 25%
Dividend yield (TTM) 10.2% · Top 25%
Balance sheet
Debt / equity 5.37× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.59× · Cheaper than median
P/S (TTM) 1.33× · Cheaper than median
EV/EBITDA 4.9× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 48
FUTURE (revenue growth)0 · sector 39
PAST (return on equity)0 · sector 34
HEALTH (low debt)0 · sector 59
DIVIDEND (yield)100 · sector 65

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
Visa Inc V $367.38 $221.29 −40%
Mastercard Incorporated MA $567.65 $359.54 −37%
American Express Company AXP $308.89 $208.54 −32%
Capital One Financial Corporation COF $200.20 $125.94 −37%
Bajaj Finance Limited BAJFINANCE ₹996.90 ₹1,100 +10%
PayPal Holdings PYPL $55.04 $104.12 +89%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $71.52 $78.67 +10%
Synchrony Financial, SYF $72.94 $141.92 +95%
SoFi Technologies, Inc SOFI $16.58 $5.53 −67%

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goeasy Ltd · Fair Value
C$68.57 +37%Fair Value
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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 Sep 27, 2026, our model estimates a fair value of C$68.57 versus a price of C$42.89, about +60% upside (undervalued).
What is the fair value of GSY?
Our model-based fair value for goeasy Ltd is C$68.57 (as of Sep 27, 2026), built from audited fundamentals. The current price: C$42.89.
What is the quality score of GSY?
goeasy Ltd has a Quality Score of 41/100. 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 model-based price target is the fair value of C$68.57 (as of Sep 27, 2026) from 3 valuation models. Cautious scenario C$39.75, optimistic scenario C$91.05. It is a calculation from audited fundamentals, not an analyst target.
What is the goeasy Ltd stock forecast for 2026?
Our models put fair value at C$68.57, about +60% upside versus a price of C$42.89 (undervalued). Cautious scenario C$39.75, optimistic scenario C$91.05. The calculation is refreshed regularly with new filings.
Does goeasy Ltd pay a dividend?
goeasy Ltd currently shows a dividend yield of about 10.21% relative to its recent price (as of Sep 27, 2026).
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$68.57 per share (as of Sep 27, 2026), against a price of C$42.89. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is goeasy Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, GSY trades below its calculated fair value: price C$42.89, fair value C$68.57, a gap of about +60% (undervalued). 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$42.89); the fair value is what the company's own numbers justify (C$68.57). For goeasy Ltd the two are C$25.68 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$709M (market capitalisation, as of Sep 27, 2026). Per share that is C$42.89; our models calculate a fair value of C$68.57 per share.
What do the bullish and bearish scenarios say about GSY?
Our models span a range for goeasy Ltd: cautious scenario C$39.75, base C$68.57, optimistic C$91.05 per share (as of Sep 27, 2026, price C$42.89). 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 Sep 27, 2026): return on equity −27.7%, debt of 5.37 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is GSY from its 52-week high?
goeasy Ltd trades at C$42.89, about 75% below its 52-week high of C$173.64 and 50% above the low of C$28.50 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of C$68.57 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 Sep 27, 2026: price C$42.89, calculated fair value C$68.57 (+60%), Quality Score 41/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GSY calculated?
We run goeasy Ltd through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of C$68.57, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.9 % above its aggregate fair value. goeasy Ltd currently trades 60 % below its own fair value, and the market average says nothing about that. 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 Sep 25, 2026 was C$42.89. Our model-based fair value is C$68.57, about +60% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with goeasy Ltd right now?
The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain. A fairly wide model range (C$39.75 to C$91.05) leaves room in how you read the outcome. 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$709M (≈ $502M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of goeasy Ltd (GSY) excluding one-off items?
Excluding one-off items, the price-to-earnings ratio of goeasy Ltd is 14.2 (fiscal year 2025, the reported result was a loss).
What is the P/S ratio of goeasy Ltd (GSY)?
The price-to-sales ratio of goeasy Ltd is 2.01 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of goeasy Ltd (GSY)?
Earnings per share at goeasy Ltd are C$−16.30. 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 10.2%. 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 −10.5% (fiscal year 2025). 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 −27.7% (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 −78.4% (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 −67.4% 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 −59.4% 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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