goeasy Ltd.

goeasy Ltd.

EHMEF
goeasy Ltd.US flagOther OTC
26.56
USD
- -
- -
425.85MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
17.87
19.27
22.44
25.63
29.66
36.04
41.64
44.07
51.03
62.63
74.11
89.79
- -
95.11
Basic EPS, GAAP
1.16
1.47
1.75
2.29
2.67
3.78
4.4
9.21
15.12
8.61
14.7
15.46
- -
16.94
Free Cash Flow per Basic Share
-3.42
-5.08
-5.47
7.7
-7.49
-16.26
-11.8
3.09
-6.56
-32.8
-29.09
-28.81
- -
-36.01
Dividend per Share
0.33
0.34
0.38
0.47
0.66
0.83
1.14
1.61
2.31
3.17
3.61
4.26
- -
4.77
Book Value per Share
10.71
10.92
12.18
13.66
15.71
20.06
21.39
28.96
46.84
51.95
61.6
70.91
- -
72.23
Tangible Book Value per Share
8.67
9.15
10.38
11.83
14.16
18.91
20.05
26.79
27.74
33.79
44.36
52.08
- -
55.08
Basic Weighted Avg Shares
12
13
14
14
14
14
15
15
16
16
17
17
- -
17
Sales/Revenue/Turnover
219
259
304
348
402
506
609
653
827
1,019
1,250
1,535
1,697
1,599
Operating Margin (%)
15.87
19.41
25.03
27.68
30.21
38.71
44.6
45.99
47.59
51.26
52.33
55.16
55.25
54.96
Depreciation Expense
54
56
56
54
52
52
64
65
79
81
86
84
82
83
Net Income, GAAP
14
20
24
31
36
53
64
137
245
140
248
264
-178
285
Effective Tax Rate (%)
26.62
23.44
27.48
25.13
28.53
28.13
28.11
25.48
22.7
28.41
26.43
26.93
- -
26.79
Profit Margin (%)
6.48
7.62
7.8
8.93
8.99
10.49
10.56
20.91
29.63
13.75
19.83
17.21
-10.51
17.81
Working Capital
12
68
121
152
573
827
916
975
1,899
2,588
3,429
4,293
5,116
4,889
LT Debt
38
120
212
263
449
691
795
743
1,618
2,304
2,890
3,692
4,625
4,138
Total Equity
136
154
176
196
228
302
332
444
790
870
1,054
1,182
850
1,212
Return on Invested Capital (%)
14.57
16.06
16.56
16.93
15.1
16.7
17.41
16.93
14.74
12.37
13.2
13.99
- -
13.13
Return on Capital (%)
10.67
11.1
10.46
10.97
9.81
10.6
9.32
13.23
14.66
6.95
6.86
5.98
- -
5.82
Return on Common Equity (%)
12.16
14.21
15.21
17.72
18.16
21.48
21.64
36.79
41.24
17.47
26.31
23.47
-17.41
24.22

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
3,630
3,847
4,079
LT Finance Leases
62
60
59
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
16
16
Market Capitalization
2,818
2,562
2,617

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
4,593
4,710
5,074
Cash, Cash Equivalents & STI
164
180
196
Accounts Receivable, Net
137
158
173
Inventories
- -
- -
- -
Total Current Liabilities
300
244
186
Payables & Accruals
274
219
157
ST Debt
- -
- -
- -
Deferred Revenue
26
26
28

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
19.7%
18.7%
-28.06%
Free Cash Flow
-32.37%
27.98%
78.05%
Net Income, GAAP
18.01%
-9.48%
-167.51%
Sales/Revenue/Turnover
18.92%
21.18%
10.55%
Total Cash Common Dividend
33.24%
30.42%
20.02%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
287
303
322
338
1,250
2024
357
378
383
405
1,535
2025
392
418
446
- -
1,697

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
3.06
3.29
3.93
- -
14.7
2024
3.46
3.82
4.95
- -
15.46
2025
2.35
5.25
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.88
0.92
0.91
- -
3.61
2024
0.91
1.11
1.11
- -
4.26
2025
1.13
1.4
- -
- -
- -

Company Description

MCPAPIChat
CEO
Patrick Ens
Full Time Employees
2,600
Sector
Financial Services
Industry
Financial - Credit Services
Address
33 City Centre Drive Mississauga ON Canada L5B 2N5
IPO Date
Jun 27, 2001
Website
goeasy.com
Business
goeasy Ltd. is a Canadian financial services company specializing in non-prime leasing and lending services primarily through its easyhome, easyfinancial, and LendCare brands. The company provides a range of unsecured and secured consumer loans including real estate-secured installment loans targeting non-prime borrowers, alongside leasing services for household furniture, appliances, and electronics. It also offers point-of-sale financing through LendCare for consumer purchases in powersports, automotive, retail, healthcare, and home improvement categories. goeasy operates an omnichannel platform combining online and mobile tools, over 400 retail locations across Canada, and financing at over 11,000 merchant partners nationwide. Founded in 1990 and headquartered in Mississauga, Ontario, the company serves a large non-prime consumer market across Canada. Recent major changes include significant growth in loan originations, with $2.53 billion funded in the first nine months of 2025, reflecting a 7% increase year-over-year. The consumer loan portfolio reached $5.44 billion by the third quarter of 2025, up 24% year-over-year, supported by record application volumes and expanded point-of-sale lending channels. The company continues to enhance its omnichannel capabilities and merchant partnerships, with over 11,300 merchant partners as of late 2025. Additionally, goeasy has maintained a strategic focus on supporting community initiatives and has committed $1.4 million over three years to address food insecurity in Canada. In 2025, the company completed a high-yield senior notes offering aimed at supporting its growth strategy. goeasy has originated approximately $18.5 billion in loans throughout its history, serving over 1.6 million Canadians. The company operates mainly in the consumer lending and leasing industry segments, focusing on underserved non-prime consumers across Canada. Its core segments include easyfinancial for consumer installment loans and easyhome for leasing services. goeasy is publicly traded with ticker EHMEF and continues to expand its financial product offerings and geographic merchant footprint across Canadian provinces. The company employs over 2,500 people and maintains a diversified, omnichannel service model tailored to the needs of financially underserved consumers. This description reflects goeasy Ltd.’s core products, service offerings, geographic reach, and recent business developments as of late 2025.

Company News

MCPAPIChat
  • goeasy: Vital Quarters Ahead Of Us, A Detailed Analysis

  • goeasy Q1 Earnings Call Highlights

  • goeasy Ltd. (GSY:CA) Q1 2026 Earnings Call Transcript

  • goeasy: Catching A Falling Knife, Carefully

  • goeasy Ltd. (GSY:CA) Q4 2025 Earnings Call Transcript

  • WAARSCHUWING VOOR BELEGGERS: Collectieve rechtsvordering van aandeelhouders tegen Goeasy Ltd.

  • ANLEGERHINWEIS: Goeasy Ltd. Aktionärssammelklage

  • ALERTE AUX INVESTISSEURS : Recours collectif d'actionnaires de Goeasy Ltd.

  • Berger Montague PC Investigating Potential Claims on Behalf of goeasy Ltd. Investors (OTC: EHMEF)

  • Berger Montague PC Investigating Potential Claims on Behalf of goeasy Ltd. Investors (EHMEF)

  • goeasy's Investment Thesis Got Crushed Overnight, Don't Buy The Dip

  • Goeasy Investor Alert: SMK Law Investigates Possible Class Action Against Goeasy Ltd.

  • Berger Montague PC Investigating Potential Claims on Behalf of goeasy Ltd. Investors (OTC: EHMEF)

  • What the Goeasy Stock Crash Means for Canadian ETFs

  • goeasy Ltd. (OTCMKTS:EHMEF) Given Average Rating of “Moderate Buy” by Brokerages

  • goeasy (OTCMKTS:EHMEF) Trading 0.2% Higher – Here’s What Happened

  • goeasy: The Business Is Good, The Timing Not So Much

  • goeasy Ltd. (GSY:CA) Q3 2025 Earnings Call Transcript

  • Kalloghlian Myers LLP: Potential Investor Class Action Against goeasy Ltd.

  • goeasy Ltd. Closes US$450 Million and C$175 Million Offering of Senior Unsecured Notes