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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 0.10
EHMEF's Cash-to-Debt is ranked lower than
78% of the 289 Companies
in the Global Credit Services industry.

( Industry Median: 3.69 vs. EHMEF: 0.10 )
Ranked among companies with meaningful Cash-to-Debt only.
EHMEF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.11 Max: No Debt
Current: 0.1
Equity-to-Asset 0.39
EHMEF's Equity-to-Asset is ranked higher than
50% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 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: 0.57 Max: 0.79
Current: 0.39
0.31
0.79
Interest Coverage 3.47
EHMEF's Interest Coverage is ranked lower than
56% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 5.48 vs. EHMEF: 3.47 )
Ranked among companies with meaningful Interest Coverage only.
EHMEF' s Interest Coverage Range Over the Past 10 Years
Min: 3.29  Med: 7.93 Max: 27.44
Current: 3.47
3.29
27.44
Piotroski F-Score: 4
Altman Z-Score: 2.99
Beneish M-Score: -2.65
WACC vs ROIC
8.99%
11.64%
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 % 17.84
EHMEF's Operating Margin % is ranked lower than
51% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 18.21 vs. EHMEF: 17.84 )
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: 17.84
Current: 17.84
5.42
17.84
Net Margin % 8.86
EHMEF's Net Margin % is ranked lower than
58% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 12.83 vs. EHMEF: 8.86 )
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: 8.86
Current: 8.86
2.92
8.86
ROE % 16.76
EHMEF's ROE % is ranked higher than
77% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 6.71 vs. EHMEF: 16.76 )
Ranked among companies with meaningful ROE % only.
EHMEF' s ROE % Range Over the Past 10 Years
Min: 5.87  Med: 11.36 Max: 16.76
Current: 16.76
5.87
16.76
ROA % 6.75
EHMEF's ROA % is ranked higher than
84% of the 297 Companies
in the Global Credit Services industry.

( Industry Median: 2.31 vs. EHMEF: 6.75 )
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: 6.75
3.68
10.96
ROC (Joel Greenblatt) % 17.17
EHMEF's ROC (Joel Greenblatt) % is ranked higher than
54% of the 238 Companies
in the Global Credit Services industry.

( Industry Median: 13.05 vs. EHMEF: 17.17 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
EHMEF' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 9.92  Med: 17.37 Max: 41.2
Current: 17.17
9.92
41.2
3-Year Revenue Growth Rate 12.40
EHMEF's 3-Year Revenue Growth Rate is ranked higher than
69% of the 248 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. EHMEF: 12.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
EHMEF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -24.6  Med: 2.9 Max: 15.7
Current: 12.4
-24.6
15.7
3-Year EBITDA Growth Rate 9.10
EHMEF's 3-Year EBITDA Growth Rate is ranked higher than
57% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 6.10 vs. EHMEF: 9.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
EHMEF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -27.2  Med: 0 Max: 17.1
Current: 9.1
-27.2
17.1
3-Year EPS without NRI Growth Rate 24.70
EHMEF's 3-Year EPS without NRI Growth Rate is ranked higher than
80% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. EHMEF: 24.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
EHMEF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -19.5  Med: 17.7 Max: 25.6
Current: 24.7
-19.5
25.6
GuruFocus has detected 6 Warning Signs with goeasy Ltd $EHMEF.
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» EHMEF's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 7111
Compare:NYSE:RM, NYSE:ONDK, NAS:NEWS, OTCPK:CCGN, OTCPK:CHWWF, NAS:WRLD, NAS:EZPW, NAS:CPSS, NAS:ASFI, NAS:SNFCA, NAS:NICK, OTCPK:FAHLF, NAS:MFIN, NAS:LOAN, OTCPK:IEGH, NAS:ATLC, OTCPK:MITJF, OTCPK:SRCF, NYSE:AGM, NAS:FSC » 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
PE Ratio 13.68
EHMEF's PE Ratio is ranked higher than
55% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 14.78 vs. EHMEF: 13.68 )
Ranked among companies with meaningful PE Ratio only.
EHMEF' s PE Ratio Range Over the Past 10 Years
Min: 6.48  Med: 13.9 Max: 27.35
Current: 13.68
6.48
27.35
Forward PE Ratio 10.59
EHMEF's Forward PE Ratio is ranked higher than
72% of the 54 Companies
in the Global Credit Services industry.

( Industry Median: 12.77 vs. EHMEF: 10.59 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 13.68
EHMEF's PE Ratio without NRI is ranked higher than
56% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. EHMEF: 13.68 )
Ranked among companies with meaningful PE Ratio without NRI only.
EHMEF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.48  Med: 13.9 Max: 27.35
Current: 13.68
6.48
27.35
Price-to-Owner-Earnings 9.77
EHMEF's Price-to-Owner-Earnings is ranked higher than
63% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 12.81 vs. EHMEF: 9.77 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
EHMEF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.52  Med: 8.5 Max: 265.06
Current: 9.77
1.52
265.06
PB Ratio 2.07
EHMEF's PB Ratio is ranked lower than
71% of the 274 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. EHMEF: 2.07 )
Ranked among companies with meaningful PB Ratio only.
EHMEF' s PB Ratio Range Over the Past 10 Years
Min: 0.64  Med: 1.43 Max: 2.97
Current: 2.07
0.64
2.97
PS Ratio 1.21
EHMEF's PS Ratio is ranked higher than
82% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 3.14 vs. EHMEF: 1.21 )
Ranked among companies with meaningful PS Ratio only.
EHMEF' s PS Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.81 Max: 1.75
Current: 1.21
0.33
1.75
Price-to-Operating-Cash-Flow 24.07
EHMEF's Price-to-Operating-Cash-Flow is ranked lower than
80% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 7.95 vs. EHMEF: 24.07 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
EHMEF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.36  Med: 9.95 Max: 2625
Current: 24.07
1.36
2625
EV-to-EBIT 10.84
EHMEF's EV-to-EBIT is ranked higher than
63% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 16.68 vs. EHMEF: 10.84 )
Ranked among companies with meaningful EV-to-EBIT only.
EHMEF' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 10.05 Max: 16.7
Current: 10.84
5.9
16.7
EV-to-EBITDA 5.68
EHMEF's EV-to-EBITDA is ranked higher than
77% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 13.97 vs. EHMEF: 5.68 )
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: 5.8
Current: 5.68
0.7
5.8
PEG Ratio 1.76
EHMEF's PEG Ratio is ranked lower than
74% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. EHMEF: 1.76 )
Ranked among companies with meaningful PEG Ratio only.
EHMEF' s PEG Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.37 Max: 22.2
Current: 1.76
0.5
22.2
Shiller PE Ratio 25.62
EHMEF's Shiller PE Ratio is ranked lower than
73% of the 41 Companies
in the Global Credit Services industry.

( Industry Median: 14.81 vs. EHMEF: 25.62 )
Ranked among companies with meaningful Shiller PE Ratio only.
EHMEF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.91  Med: 18.86 Max: 48.57
Current: 25.62
6.91
48.57
Current Ratio 8.90
EHMEF's Current Ratio is ranked higher than
78% of the 142 Companies
in the Global Credit Services industry.

( Industry Median: 2.17 vs. EHMEF: 8.90 )
Ranked among companies with meaningful Current Ratio only.
EHMEF' s Current Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.28 Max: 9.69
Current: 8.9
0.08
9.69
Quick Ratio 8.90
EHMEF's Quick Ratio is ranked higher than
79% of the 142 Companies
in the Global Credit Services industry.

( Industry Median: 2.17 vs. EHMEF: 8.90 )
Ranked among companies with meaningful Quick Ratio only.
EHMEF' s Quick Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.28 Max: 9.69
Current: 8.9
0.08
9.69
Days Sales Outstanding 8.18
EHMEF's Days Sales Outstanding is ranked higher than
55% of the 146 Companies
in the Global Credit Services industry.

( Industry Median: 13.24 vs. EHMEF: 8.18 )
Ranked among companies with meaningful Days Sales Outstanding only.
EHMEF' s Days Sales Outstanding Range Over the Past 10 Years
Min: 5.65  Med: 11.4 Max: 145.44
Current: 8.18
5.65
145.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.65
EHMEF's Dividend Yield % is ranked lower than
65% of the 252 Companies
in the Global Credit Services industry.

( Industry Median: 2.63 vs. EHMEF: 1.65 )
Ranked among companies with meaningful Dividend Yield % only.
EHMEF' s Dividend Yield % Range Over the Past 10 Years
Min: 1.18  Med: 2.35 Max: 6.48
Current: 1.65
1.18
6.48
Dividend Payout Ratio 0.22
EHMEF's Dividend Payout Ratio is ranked higher than
65% of the 151 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. EHMEF: 0.22 )
Ranked among companies with meaningful Dividend Payout Ratio only.
EHMEF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.22  Med: 0.33 Max: 0.71
Current: 0.22
0.22
0.71
3-Year Dividend Growth Rate 13.70
EHMEF's 3-Year Dividend Growth Rate is ranked higher than
65% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. EHMEF: 13.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
EHMEF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 51.8
Current: 13.7
0
51.8
Forward Dividend Yield % 2.38
EHMEF's Forward Dividend Yield % is ranked lower than
58% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 3.00 vs. EHMEF: 2.38 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.34
EHMEF's 5-Year Yield-on-Cost % is ranked lower than
62% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 3.05 vs. EHMEF: 2.34 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
EHMEF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.67  Med: 3.33 Max: 9.17
Current: 2.34
1.67
9.17
3-Year Average Share Buyback Ratio -0.10
EHMEF's 3-Year Average Share Buyback Ratio is ranked higher than
73% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. EHMEF: -0.10 )
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: -0.1
Current: -0.1
-40.3
-0.1

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 4.95
EHMEF's Price-to-Net-Current-Asset-Value is ranked lower than
71% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. EHMEF: 4.95 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
EHMEF' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 3.95  Med: 4.27 Max: 4.95
Current: 4.95
3.95
4.95
Price-to-Tangible-Book 2.53
EHMEF's Price-to-Tangible-Book is ranked lower than
75% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. EHMEF: 2.53 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
EHMEF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.59  Med: 1.71 Max: 8.32
Current: 2.53
0.59
8.32
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.95
EHMEF's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
65% of the 17 Companies
in the Global Credit Services industry.

( Industry Median: 0.80 vs. EHMEF: 0.95 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.50
EHMEF's Price-to-Median-PS-Value is ranked lower than
76% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. EHMEF: 1.50 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
EHMEF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.13  Med: 0.7 Max: 1.95
Current: 1.5
0.13
1.95
Price-to-Peter-Lynch-Fair-Value 1.72
EHMEF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
83% of the 60 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. EHMEF: 1.72 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
EHMEF' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.55  Med: 1.37 Max: 3.35
Current: 1.72
0.55
3.35
Price-to-Graham-Number 1.24
EHMEF's Price-to-Graham-Number is ranked lower than
63% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 0.93 vs. EHMEF: 1.24 )
Ranked among companies with meaningful Price-to-Graham-Number only.
EHMEF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.49  Med: 1.03 Max: 2.17
Current: 1.24
0.49
2.17
Earnings Yield (Greenblatt) % 9.20
EHMEF's Earnings Yield (Greenblatt) % is ranked higher than
72% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. EHMEF: 9.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EHMEF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 6  Med: 9.95 Max: 16.9
Current: 9.2
6
16.9
Forward Rate of Return (Yacktman) % -2.69
EHMEF's Forward Rate of Return (Yacktman) % is ranked lower than
68% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 7.91 vs. EHMEF: -2.69 )
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: -18.7  Med: -3.35 Max: 29.1
Current: -2.69
-18.7
29.1

More Statistics

Revenue (TTM) (Mil) $266.7
EPS (TTM) $ 1.70
Beta0.63
Short Percentage of Float0.00%
52-Week Range $13.12 - 23.22
Shares Outstanding (Mil)13.33

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 102 99 107
EPS ($) 2.26 3.05 3.51
EPS without NRI ($) 2.26 3.05 3.51
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for EHMEF

Headlines

Articles On GuruFocus.com

More From Other Websites
goeasy Ltd. : EHMEF-US: Dividend Analysis : September 30th, 2016 (record date) : By the numbers :... Dec 16 2016
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
goeasy Ltd. Launches Point-of-Sale Financing Platform with Sears Canada Inc. Nov 02 2016
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
goeasy Ltd.: Strong price momentum but will it sustain? Mar 04 2016

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