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Also traded in: Canada

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.12
EHMEF's Cash to Debt is ranked lower than
74% of the 369 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. EHMEF: 0.12 )
Ranked among companies with meaningful Cash to Debt only.
EHMEF' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.12 Max: No Debt
Current: 0.12
Equity to Asset 0.39
EHMEF's Equity to Asset is ranked lower than
55% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 0.44 vs. EHMEF: 0.39 )
Ranked among companies with meaningful Equity to Asset only.
EHMEF' s Equity to Asset Range Over the Past 10 Years
Min: 0.31  Med: 0.58 Max: 0.83
Current: 0.39
0.31
0.83
Interest Coverage 3.45
EHMEF's Interest Coverage is ranked lower than
60% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 6.08 vs. EHMEF: 3.45 )
Ranked among companies with meaningful Interest Coverage only.
EHMEF' s Interest Coverage Range Over the Past 10 Years
Min: 3.47  Med: 8.13 Max: 61.02
Current: 3.45
3.47
61.02
F-Score: 5
Z-Score: 2.82
M-Score: -2.75
WACC vs ROIC
9.62%
11.77%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 17.79
EHMEF's Operating margin (%) is ranked lower than
53% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 19.05 vs. EHMEF: 17.79 )
Ranked among companies with meaningful Operating margin (%) only.
EHMEF' s Operating margin (%) Range Over the Past 10 Years
Min: 5.42  Med: 10.61 Max: 15.79
Current: 17.79
5.42
15.79
Net-margin (%) 8.92
EHMEF's Net-margin (%) is ranked lower than
58% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. EHMEF: 8.92 )
Ranked among companies with meaningful Net-margin (%) only.
EHMEF' s Net-margin (%) Range Over the Past 10 Years
Min: 2.92  Med: 6.01 Max: 8.13
Current: 8.92
2.92
8.13
ROE (%) 16.82
EHMEF's ROE (%) is ranked higher than
79% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 5.93 vs. EHMEF: 16.82 )
Ranked among companies with meaningful ROE (%) only.
EHMEF' s ROE (%) Range Over the Past 10 Years
Min: 5.87  Med: 11.36 Max: 15.67
Current: 16.82
5.87
15.67
ROA (%) 6.88
EHMEF's ROA (%) is ranked higher than
83% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 2.15 vs. EHMEF: 6.88 )
Ranked among companies with meaningful ROA (%) only.
EHMEF' s ROA (%) Range Over the Past 10 Years
Min: 3.68  Med: 6.58 Max: 10.96
Current: 6.88
3.68
10.96
ROC (Joel Greenblatt) (%) 23.22
EHMEF's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 295 Companies
in the Global Credit Services industry.

( Industry Median: 13.03 vs. EHMEF: 23.22 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
EHMEF' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 9.92  Med: 22.4 Max: 46.52
Current: 23.22
9.92
46.52
Revenue Growth (3Y)(%) 9.20
EHMEF's Revenue Growth (3Y)(%) is ranked higher than
64% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. EHMEF: 9.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EHMEF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -24.5  Med: 2.9 Max: 15.7
Current: 9.2
-24.5
15.7
EBITDA Growth (3Y)(%) 7.70
EHMEF's EBITDA Growth (3Y)(%) is ranked higher than
54% of the 224 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. EHMEF: 7.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EHMEF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.4  Med: 0 Max: 17.1
Current: 7.7
-27.4
17.1
EPS Growth (3Y)(%) 22.50
EHMEF's EPS Growth (3Y)(%) is ranked higher than
80% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. EHMEF: 22.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EHMEF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -56.7  Med: 15.4 Max: 25.6
Current: 22.5
-56.7
25.6
» EHMEF's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Credit Services » Credit Services
Compare:NYSE:RM, NAS:CLDC, NYSE:ONDK, NAS:CPSS, NAS:ASFI, OTCPK:INPCF, NAS:SNFCA, NAS:MFIN, NAS:NICK, NYSE:ENVA, NAS:NEWS, NAS:LOAN, NAS:ATLC, OTCPK:IEGH, OTCPK:NXCN, NAS:CCCR, NAS:LMFA, OTCPK:JGWE, OTCPK:SRCF, NAS:WRLD » details
Traded in other countries:GSY.Canada,
goeasy Ltd is a merchandise leasing company. The Company is engaged in merchandise leasing of household furnishings and home electronic products to consumers and offering unsecured installment loans to consumers.

easyhome Ltd was incorporated under the laws of Alberta, Canada on 14 December, 1990. It is a merchandise leasing company. The Company's principal operating activities include: merchandise leasing of household furnishings, appliances and home electronic products to consumers under weekly or monthly leasing agreements; and offering unsecured instalment loans to consumers. The Company operates in two reportable segments: easyhome Leasing and easyfinancial. easyhome Leasing operates through corporately owned stores located across Canada and through a network of franchised locations in both Canada and the United States. easyfinancial is its financial services business which offers unsecured, installment loans in amounts from $500 to $5,000 for 6-to-36 month terms. The Company operates 237 easyhome Leasing stores (including 55 franchises and 9 consolidated SPE franchises) and 119 easyfinancial locations.

Ratios

vs
industry
vs
history
P/E(ttm) 11.01
EHMEF's P/E(ttm) is ranked higher than
69% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 15.30 vs. EHMEF: 11.01 )
Ranked among companies with meaningful P/E(ttm) only.
EHMEF' s P/E(ttm) Range Over the Past 10 Years
Min: 6.48  Med: 14.25 Max: 29.55
Current: 11.01
6.48
29.55
Forward P/E 7.33
EHMEF's Forward P/E is ranked higher than
94% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 12.59 vs. EHMEF: 7.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.01
EHMEF's PE(NRI) is ranked higher than
66% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 14.58 vs. EHMEF: 11.01 )
Ranked among companies with meaningful PE(NRI) only.
EHMEF' s PE(NRI) Range Over the Past 10 Years
Min: 6.48  Med: 14.25 Max: 29.55
Current: 11.01
6.48
29.55
Price/Owner Earnings (ttm) 7.71
EHMEF's Price/Owner Earnings (ttm) is ranked higher than
72% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 13.70 vs. EHMEF: 7.71 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
EHMEF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.52  Med: 9 Max: 265.06
Current: 7.71
1.52
265.06
P/B 1.69
EHMEF's P/B is ranked lower than
62% of the 403 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. EHMEF: 1.69 )
Ranked among companies with meaningful P/B only.
EHMEF' s P/B Range Over the Past 10 Years
Min: 0.64  Med: 1.43 Max: 2.97
Current: 1.69
0.64
2.97
P/S 0.98
EHMEF's P/S is ranked higher than
88% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 3.25 vs. EHMEF: 0.98 )
Ranked among companies with meaningful P/S only.
EHMEF' s P/S Range Over the Past 10 Years
Min: 0.33  Med: 0.81 Max: 1.75
Current: 0.98
0.33
1.75
POCF 26.21
EHMEF's POCF is ranked lower than
86% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 9.32 vs. EHMEF: 26.21 )
Ranked among companies with meaningful POCF only.
EHMEF' s POCF Range Over the Past 10 Years
Min: 1.36  Med: 9.93 Max: 2625
Current: 26.21
1.36
2625
EV-to-EBIT 9.29
EHMEF's EV-to-EBIT is ranked higher than
71% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 17.19 vs. EHMEF: 9.29 )
Ranked among companies with meaningful EV-to-EBIT only.
EHMEF' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 10.1 Max: 17.8
Current: 9.29
5.9
17.8
EV-to-EBITDA 4.77
EHMEF's EV-to-EBITDA is ranked higher than
90% of the 353 Companies
in the Global Credit Services industry.

( Industry Median: 13.82 vs. EHMEF: 4.77 )
Ranked among companies with meaningful EV-to-EBITDA only.
EHMEF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.7  Med: 3 Max: 5.1
Current: 4.77
0.7
5.1
PEG 2.50
EHMEF's PEG is ranked lower than
78% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 0.67 vs. EHMEF: 2.50 )
Ranked among companies with meaningful PEG only.
EHMEF' s PEG Range Over the Past 10 Years
Min: 0.5  Med: 1.47 Max: 27.5
Current: 2.5
0.5
27.5
Shiller P/E 20.58
EHMEF's Shiller P/E is ranked lower than
65% of the 43 Companies
in the Global Credit Services industry.

( Industry Median: 15.57 vs. EHMEF: 20.58 )
Ranked among companies with meaningful Shiller P/E only.
EHMEF' s Shiller P/E Range Over the Past 10 Years
Min: 6.91  Med: 18.67 Max: 48.57
Current: 20.58
6.91
48.57
Current Ratio 7.90
EHMEF's Current Ratio is ranked higher than
69% of the 243 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. EHMEF: 7.90 )
Ranked among companies with meaningful Current Ratio only.
EHMEF' s Current Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.29 Max: 9.26
Current: 7.9
0.07
9.26
Quick Ratio 7.90
EHMEF's Quick Ratio is ranked higher than
71% of the 243 Companies
in the Global Credit Services industry.

( Industry Median: 2.31 vs. EHMEF: 7.90 )
Ranked among companies with meaningful Quick Ratio only.
EHMEF' s Quick Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.29 Max: 9.26
Current: 7.9
0.07
9.26
Days Sales Outstanding 12.56
EHMEF's Days Sales Outstanding is ranked higher than
54% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: 15.51 vs. EHMEF: 12.56 )
Ranked among companies with meaningful Days Sales Outstanding only.
EHMEF' s Days Sales Outstanding Range Over the Past 10 Years
Min: 5.65  Med: 12.74 Max: 145.44
Current: 12.56
5.65
145.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.06
EHMEF's Dividend Yield is ranked lower than
58% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 2.57 vs. EHMEF: 2.06 )
Ranked among companies with meaningful Dividend Yield only.
EHMEF' s Dividend Yield Range Over the Past 10 Years
Min: 1.11  Med: 2.35 Max: 6.48
Current: 2.06
1.11
6.48
Dividend Payout 0.22
EHMEF's Dividend Payout is ranked higher than
65% of the 154 Companies
in the Global Credit Services industry.

( Industry Median: 0.31 vs. EHMEF: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
EHMEF' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.28 Max: 1
Current: 0.22
0.07
1
Dividend Growth (3y) 5.60
EHMEF's Dividend Growth (3y) is ranked lower than
51% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 6.10 vs. EHMEF: 5.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
EHMEF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 51.8
Current: 5.6
0
51.8
Forward Dividend Yield 2.15
EHMEF's Forward Dividend Yield is ranked lower than
60% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. EHMEF: 2.15 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.32
EHMEF's Yield on cost (5-Year) is ranked lower than
61% of the 325 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. EHMEF: 2.32 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EHMEF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.25  Med: 2.65 Max: 7.3
Current: 2.32
1.25
7.3
3-Year Average Share Buyback Ratio -3.90
EHMEF's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. EHMEF: -3.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EHMEF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -40.3  Med: -4.1 Max: -0.3
Current: -3.9
-40.3
-0.3

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 4.35
EHMEF's Price/Net Current Asset Value is ranked lower than
65% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. EHMEF: 4.35 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
EHMEF' s Price/Net Current Asset Value Range Over the Past 10 Years
Min: 2.01  Med: 4.6 Max: 10.19
Current: 4.35
2.01
10.19
Price/Tangible Book 2.09
EHMEF's Price/Tangible Book is ranked lower than
63% of the 390 Companies
in the Global Credit Services industry.

( Industry Median: 1.45 vs. EHMEF: 2.09 )
Ranked among companies with meaningful Price/Tangible Book only.
EHMEF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.31  Med: 1.82 Max: 8.32
Current: 2.09
0.31
8.32
Price/DCF (Earnings Based) 0.86
EHMEF's Price/DCF (Earnings Based) is ranked lower than
65% of the 20 Companies
in the Global Credit Services industry.

( Industry Median: 0.78 vs. EHMEF: 0.86 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.20
EHMEF's Price/Median PS Value is ranked lower than
67% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. EHMEF: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
EHMEF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.1  Med: 0.77 Max: 2.24
Current: 1.2
0.1
2.24
Price/Peter Lynch Fair Value 1.38
EHMEF's Price/Peter Lynch Fair Value is ranked lower than
74% of the 54 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. EHMEF: 1.38 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
EHMEF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.55  Med: 1.41 Max: 5.3
Current: 1.38
0.55
5.3
Price/Graham Number 1.01
EHMEF's Price/Graham Number is ranked higher than
51% of the 290 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. EHMEF: 1.01 )
Ranked among companies with meaningful Price/Graham Number only.
EHMEF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.49  Med: 1.07 Max: 8.73
Current: 1.01
0.49
8.73
Earnings Yield (Greenblatt) (%) 10.80
EHMEF's Earnings Yield (Greenblatt) (%) is ranked higher than
76% of the 433 Companies
in the Global Credit Services industry.

( Industry Median: 4.80 vs. EHMEF: 10.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EHMEF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.6  Med: 9.9 Max: 16.9
Current: 10.8
5.6
16.9
Forward Rate of Return (Yacktman) (%) -4.76
EHMEF's Forward Rate of Return (Yacktman) (%) is ranked lower than
63% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 4.53 vs. EHMEF: -4.76 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
EHMEF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -18.5  Med: -3.1 Max: 29.1
Current: -4.76
-18.5
29.1

More Statistics

Revenue (TTM) (Mil) $256.4
EPS (TTM) $ 1.64
Beta0.73
Short Percentage of Float0.00%
52-Week Range $12.91 - 19.36
Shares Outstanding (Mil)13.32

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 105 103 107
EPS ($) 1.85 2.36 2.55
EPS w/o NRI ($) 1.85 2.36 2.55
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for EHMEF

Headlines

Articles On GuruFocus.com
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More From Other Websites
goeasy Ltd. :EHMEF-US: Earnings Analysis: Q3, 2016 By the Numbers : November 9, 2016 Nov 09 2016
goeasy Ltd. Reports Record Performance for the Third Quarter ended September 30, 2016 Nov 03 2016
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goeasy Ltd. Announces Timing of Third Quarter 2016 Conference Call and Webcast Oct 20 2016
goeasy Ltd. : Neutral outlook but great fundamentals Oct 19 2016
goeasy Ltd. :EHMEF-US: Earnings Analysis: Q2, 2016 By the Numbers : August 16, 2016 Aug 16 2016
goeasy Ltd. Reports Record Performance for the Second Quarter Ended June 30, 2016 Aug 02 2016
Three Finalists from Across Canada Selected for the goeasy Community Project and the Chance to Win... Jul 15 2016
goeasy Ltd. Announces Renewal of Normal Course Issuer Bid Jun 22 2016
Acting Locally Takes New Meaning with the Launch of the goeasy Community Project and the Chance for... Jun 13 2016
goeasy Ltd.: Price momentum supported by strong fundamentals Jun 07 2016
goeasy Ltd. :EHMEF-US: Earnings Analysis: Q1, 2016 By the Numbers : June 7, 2016 Jun 07 2016
goeasy Ltd. Appoints New Director May 05 2016
goeasy Ltd. Announces Election of Directors May 04 2016
goeasy Ltd. Reports Results for the First Quarter Ended March 31, 2016 May 02 2016
goeasy Ltd. Announces Timing of First Quarter 2016 Conference Call and Webcast Apr 18 2016
goeasy Ltd. : Fairly valued, but don’t skip the other factors Mar 29 2016
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