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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
70% of the 363 Companies
in the Global Credit Services industry.

( Industry Median: 0.56 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
57% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 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
61% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 7.42 vs. EHMEF: 3.45 )
Ranked among companies with meaningful Interest Coverage only.
EHMEF' s Interest Coverage Range Over the Past 10 Years
Min: 3.45  Med: 8.13 Max: 61.02
Current: 3.45
3.45
61.02
F-Score: 5
Z-Score: 2.85
M-Score: -2.75
WACC vs ROIC
8.97%
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 366 Companies
in the Global Credit Services industry.

( Industry Median: 19.21 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: 17.79
Current: 17.79
5.42
17.79
Net-margin (%) 8.92
EHMEF's Net-margin (%) is ranked lower than
58% of the 366 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: 8.92
Current: 8.92
2.92
8.92
ROE (%) 16.82
EHMEF's ROE (%) is ranked higher than
78% of the 369 Companies
in the Global Credit Services industry.

( Industry Median: 6.65 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: 16.82
Current: 16.82
5.87
16.82
ROA (%) 6.88
EHMEF's ROA (%) is ranked higher than
82% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 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) (%) 23.23
EHMEF's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 297 Companies
in the Global Credit Services industry.

( Industry Median: 13.74 vs. EHMEF: 23.23 )
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: 23.23
9.92
46.52
Revenue Growth (3Y)(%) 9.20
EHMEF's Revenue Growth (3Y)(%) is ranked higher than
63% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 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: -24.6  Med: 2.9 Max: 15.7
Current: 9.2
-24.6
15.7
EBITDA Growth (3Y)(%) 7.70
EHMEF's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 5.70 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: -27.2  Med: 0 Max: 17.1
Current: 7.7
-27.2
17.1
EPS Growth (3Y)(%) 22.50
EHMEF's EPS Growth (3Y)(%) is ranked higher than
78% of the 224 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 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
GuruFocus has detected 6 Warning Signs with goeasy Ltd $EHMEF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» 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    NAICS: 522291    SIC: 7111
Compare:NYSE:RM, NYSE:ONDK, NAS:CLDC, OTCPK:INPCF, NAS:CPSS, NAS:ASFI, NAS:SNFCA, OTCPK:CCGN, NAS:NEWS, NAS:NICK, NAS:MFIN, OTCPK:FAHLF, NAS:LOAN, NAS:ATLC, OTCPK:IEGH, NAS:CCCR, NYSE:ENVA, NAS:LMFA, OTCPK:LNDZF, OTCPK:JGWE » 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) 11.52
EHMEF's P/E(ttm) is ranked higher than
64% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 14.89 vs. EHMEF: 11.52 )
Ranked among companies with meaningful P/E(ttm) only.
EHMEF' s P/E(ttm) Range Over the Past 10 Years
Min: 6.48  Med: 13.94 Max: 27.35
Current: 11.52
6.48
27.35
Forward P/E 7.66
EHMEF's Forward P/E is ranked higher than
91% of the 45 Companies
in the Global Credit Services industry.

( Industry Median: 11.98 vs. EHMEF: 7.66 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.52
EHMEF's PE(NRI) is ranked higher than
64% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 15.33 vs. EHMEF: 11.52 )
Ranked among companies with meaningful PE(NRI) only.
EHMEF' s PE(NRI) Range Over the Past 10 Years
Min: 6.48  Med: 13.94 Max: 27.35
Current: 11.52
6.48
27.35
Price/Owner Earnings (ttm) 8.06
EHMEF's Price/Owner Earnings (ttm) is ranked higher than
76% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 12.66 vs. EHMEF: 8.06 )
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: 8.4 Max: 265.06
Current: 8.06
1.52
265.06
P/B 1.77
EHMEF's P/B is ranked lower than
64% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 1.22 vs. EHMEF: 1.77 )
Ranked among companies with meaningful P/B only.
EHMEF' s P/B Range Over the Past 10 Years
Min: 0.64  Med: 1.41 Max: 2.97
Current: 1.77
0.64
2.97
P/S 1.03
EHMEF's P/S is ranked higher than
88% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 3.48 vs. EHMEF: 1.03 )
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: 1.03
0.33
1.75
POCF 27.95
EHMEF's POCF is ranked lower than
86% of the 106 Companies
in the Global Credit Services industry.

( Industry Median: 8.59 vs. EHMEF: 27.95 )
Ranked among companies with meaningful POCF only.
EHMEF' s POCF Range Over the Past 10 Years
Min: 1.36  Med: 9.84 Max: 2625
Current: 27.95
1.36
2625
EV-to-EBIT 9.51
EHMEF's EV-to-EBIT is ranked higher than
72% of the 282 Companies
in the Global Credit Services industry.

( Industry Median: 17.65 vs. EHMEF: 9.51 )
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 Max: 16.7
Current: 9.51
5.9
16.7
EV-to-EBITDA 4.88
EHMEF's EV-to-EBITDA is ranked higher than
90% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 15.44 vs. EHMEF: 4.88 )
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: 4.88
0.7
5.1
PEG 2.61
EHMEF's PEG is ranked lower than
80% of the 99 Companies
in the Global Credit Services industry.

( Industry Median: 0.73 vs. EHMEF: 2.61 )
Ranked among companies with meaningful PEG only.
EHMEF' s PEG Range Over the Past 10 Years
Min: 0.5  Med: 1.41 Max: 22.2
Current: 2.61
0.5
22.2
Shiller P/E 21.58
EHMEF's Shiller P/E is ranked lower than
64% of the 42 Companies
in the Global Credit Services industry.

( Industry Median: 16.44 vs. EHMEF: 21.58 )
Ranked among companies with meaningful Shiller P/E only.
EHMEF' s Shiller P/E Range Over the Past 10 Years
Min: 6.91  Med: 18.79 Max: 48.57
Current: 21.58
6.91
48.57
Current Ratio 7.90
EHMEF's Current Ratio is ranked higher than
68% of the 282 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 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
70% of the 281 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 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 180 Companies
in the Global Credit Services industry.

( Industry Median: 15.97 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 263 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: 1.18  Med: 2.36 Max: 6.48
Current: 2.06
1.18
6.48
Dividend Payout 0.22
EHMEF's Dividend Payout is ranked higher than
65% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 0.30 vs. EHMEF: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
EHMEF' s Dividend Payout Range Over the Past 10 Years
Min: 0.22  Med: 0.33 Max: 0.71
Current: 0.22
0.22
0.71
Dividend Growth (3y) 5.60
EHMEF's Dividend Growth (3y) is ranked lower than
53% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 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 2.01
EHMEF's Forward Dividend Yield is ranked lower than
63% of the 252 Companies
in the Global Credit Services industry.

( Industry Median: 2.90 vs. EHMEF: 2.01 )
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
62% of the 326 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 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: 1.33  Med: 2.66 Max: 7.3
Current: 2.32
1.33
7.3
3-Year Average Share Buyback Ratio -3.90
EHMEF's 3-Year Average Share Buyback Ratio is ranked higher than
50% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: -3.90 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 4.56
EHMEF's Price/Net Current Asset Value is ranked lower than
65% of the 174 Companies
in the Global Credit Services industry.

( Industry Median: 2.21 vs. EHMEF: 4.56 )
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: 4.56
2.01
10.19
Price/Tangible Book 2.19
EHMEF's Price/Tangible Book is ranked lower than
69% of the 346 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. EHMEF: 2.19 )
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: 2.19
0.31
8.32
Price/DCF (Earnings Based) 0.89
EHMEF's Price/DCF (Earnings Based) is ranked lower than
61% of the 18 Companies
in the Global Credit Services industry.

( Industry Median: 0.78 vs. EHMEF: 0.89 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.27
EHMEF's Price/Median PS Value is ranked lower than
71% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. EHMEF: 1.27 )
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: 0.76 Max: 2.24
Current: 1.27
0.1
2.24
Price/Peter Lynch Fair Value 1.50
EHMEF's Price/Peter Lynch Fair Value is ranked lower than
80% of the 46 Companies
in the Global Credit Services industry.

( Industry Median: 0.92 vs. EHMEF: 1.50 )
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: 1.42 Max: 5.3
Current: 1.5
0.55
5.3
Price/Graham Number 1.06
EHMEF's Price/Graham Number is ranked lower than
53% of the 250 Companies
in the Global Credit Services industry.

( Industry Median: 0.98 vs. EHMEF: 1.06 )
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: 1.06
0.49
8.73
Earnings Yield (Greenblatt) (%) 10.50
EHMEF's Earnings Yield (Greenblatt) (%) is ranked higher than
78% of the 358 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. EHMEF: 10.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EHMEF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6  Med: 10 Max: 16.9
Current: 10.5
6
16.9
Forward Rate of Return (Yacktman) (%) -4.42
EHMEF's Forward Rate of Return (Yacktman) (%) is ranked lower than
66% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 5.75 vs. EHMEF: -4.42 )
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: -3.8 Max: 29.1
Current: -4.42
-18.7
29.1

More Statistics

Revenue (TTM) (Mil) $256.4
EPS (TTM) $ 1.64
Beta0.63
Short Percentage of Float0.00%
52-Week Range $13.12 - 19.36
Shares Outstanding (Mil)13.32

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 106 103 108
EPS ($) 1.86 2.38 2.57
EPS w/o NRI ($) 1.86 2.38 2.57
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for EHMEF

Headlines

Articles On GuruFocus.com
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