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Also traded in: Canada, Germany

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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.14
EHMEF's Cash-to-Debt is ranked lower than
76% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 vs. EHMEF: 0.14 )
Ranked among companies with meaningful Cash-to-Debt only.
EHMEF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.08 Max: No Debt
Current: 0.14
Equity-to-Asset 0.37
EHMEF's Equity-to-Asset is ranked higher than
51% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 vs. EHMEF: 0.37 )
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: 0.83
Current: 0.37
0.31
0.83
Debt-to-Equity 1.52
EHMEF's Debt-to-Equity is ranked lower than
54% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. EHMEF: 1.52 )
Ranked among companies with meaningful Debt-to-Equity only.
EHMEF' s Debt-to-Equity Range Over the Past 10 Years
Min: 0  Med: 0.47 Max: 1.52
Current: 1.52
0
1.52
Interest Coverage 3.30
EHMEF's Interest Coverage is ranked lower than
61% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 vs. EHMEF: 3.30 )
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: 3.3
3.29
27.44
Piotroski F-Score: 2
Altman Z-Score: 2.82
Beneish M-Score: -2.32
WACC vs ROIC
8.15%
11.28%
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 : 6/10

vs
industry
vs
history
Operating Margin % 18.45
EHMEF's Operating Margin % is ranked higher than
51% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 17.78 vs. EHMEF: 18.45 )
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: 18.45
Current: 18.45
5.42
18.45
Net Margin % 8.72
EHMEF's Net Margin % is ranked lower than
58% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 12.96 vs. EHMEF: 8.72 )
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: 8.93
Current: 8.72
2.92
8.93
ROE % 16.45
EHMEF's ROE % is ranked higher than
77% of the 404 Companies
in the Global Credit Services industry.

( Industry Median: 8.10 vs. EHMEF: 16.45 )
Ranked among companies with meaningful ROE % only.
EHMEF' s ROE % Range Over the Past 10 Years
Min: 5.87  Med: 11.36 Max: 16.69
Current: 16.45
5.87
16.69
ROA % 6.36
EHMEF's ROA % is ranked higher than
77% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. EHMEF: 6.36 )
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: 6.36
3.68
10.96
ROC (Joel Greenblatt) % 18.29
EHMEF's ROC (Joel Greenblatt) % is ranked higher than
56% of the 324 Companies
in the Global Credit Services industry.

( Industry Median: 15.47 vs. EHMEF: 18.29 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
EHMEF' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 9.92  Med: 18.46 Max: 41.2
Current: 18.29
9.92
41.2
3-Year Revenue Growth Rate 12.10
EHMEF's 3-Year Revenue Growth Rate is ranked higher than
63% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 vs. EHMEF: 12.10 )
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: 5 Max: 73.8
Current: 12.1
-24.6
73.8
3-Year EBITDA Growth Rate 9.10
EHMEF's 3-Year EBITDA Growth Rate is ranked higher than
57% of the 252 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 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: 2.05 Max: 63.9
Current: 9.1
-27.2
63.9
3-Year EPS without NRI Growth Rate 24.70
EHMEF's 3-Year EPS without NRI Growth Rate is ranked higher than
75% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 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: -56.7  Med: 16.25 Max: 25.6
Current: 24.7
-56.7
25.6
GuruFocus has detected 4 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 30-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:TSX:CBL, TSX:CHW, TSX:MOGO, TSX:ACD, TSXV:AXIS, TSXV:RFC, TSX:AD, TSXV:FA, TSXV:RNP, TSXV:MIT, XCNQ:BCA, TSX:ECN, TSX:EFN » details
Traded in other countries:GSY.Canada, 1ES.Germany,
Headquarter Location:Canada
goeasy Ltd is a provider of goods and alternative financial services which are engaged in merchandise leasing of household furnishings and home electronic products to consumers and offering unsecured installment loans to consumers.

goeasy Ltd provides financial services to own furniture, electronics, computers, and appliances. It offers merchandise leasing of household furnishings, appliances, and home electronic products to consumers under weekly or monthly leasing agreements. The company also offers unsecured installment loans to consumers. Its reportable business segments include easyhome Leasing, and easyfinancial, of which it derives maximum revenue from easyhome leasing.

Top Ranked Articles about goeasy Ltd

goeasy Ltd. Announces Timing of Third Quarter 2016 Conference Call and Webcast

MISSISSAUGA, ONTARIO--(Marketwired - Oct 20, 2016) - goeasy Ltd. (TSX:GSY), ("goeasy" or the "Company"), a leading full service provider of goods and alternative financial services that improve the lives of everyday Canadians, will hold a conference call with shareholders, analysts, and portfolio managers on Friday, November 4, 2016. A Press Release will be issued after the market closes on Thursday, November 3, 2016. Date: Friday, November 4, 2016 Time: 11:00am EST Dial-in (local/international toll-free): 416-695-7806 local & 1-866-696-5910 international Passcode: 8091170 please dial in the passcode, followed by # to enter the call Webcast: http://investors.goeasy.com/ Media are invited to listen to the call by telephone or through the webcast. For questions, media may contact David Ingram, President and CEO or Steve Goertz, CFO at 905-272-2788. After the conference call, a recording will be available until November 18, 2016 by calling 905-694-9451 or 1-800-408-3053 and entering passcode number 4327295. goeasy Ltd. is a leading full service provider of goods and alternative financial services that improve the lives of everyday Canadians. Today, goeasy Ltd. serves its customers through two key operating divisions, easyhome and easyfinancial. easyhome is Canada's largest lease-to-own company, offering brand-name household furniture, appliances and electronics to consumers under weekly or monthly leasing agreements through both corporate and franchise stores. easyfinancial is the leading provider of alternative financial services, offering consumer loans between $500-$15,000, and is supported by a strong central credit adjudication process and industry leading risk analytics. easyfinancial also operates an indirect lending channel, offering loan products to consumers at the point-of-sale of third party merchants. Both operating divisions of goeasy Ltd. offer the highest level of customer service and enable customers to transact through a national store and branch network of over 175 easyhome and 200 easyfinancial locations across Canada and through its online and mobile eCommerce enabled platforms. goeasy Ltd. is listed on the TSX under the symbol 'GSY'. For more information, visit www.goeasy.com.





goeasy Ltd.
David Ingram
President and Chief Executive Officer
(905) 272-2788
goeasy Ltd.
Steve Goertz
Executive Vice President and Chief Financial Officer
(905) 272-2788
www.goeasy.com




Read more...

Ratios

vs
industry
vs
history
PE Ratio 14.56
EHMEF's PE Ratio is ranked higher than
65% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.55 vs. EHMEF: 14.56 )
Ranked among companies with meaningful PE Ratio only.
EHMEF' s PE Ratio Range Over the Past 10 Years
Min: 6.48  Med: 13.16 Max: 23.06
Current: 14.56
6.48
23.06
Forward PE Ratio 7.57
EHMEF's Forward PE Ratio is ranked higher than
78% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 13.76 vs. EHMEF: 7.57 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.56
EHMEF's PE Ratio without NRI is ranked higher than
66% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 15.63 vs. EHMEF: 14.56 )
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: 13.16 Max: 23.06
Current: 14.56
6.48
23.06
Price-to-Owner-Earnings 13.58
EHMEF's Price-to-Owner-Earnings is ranked higher than
63% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 13.67 vs. EHMEF: 13.58 )
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: 8.61 Max: 265.06
Current: 13.58
1.52
265.06
PB Ratio 2.13
EHMEF's PB Ratio is ranked lower than
62% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. EHMEF: 2.13 )
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: 2.13
0.64
2.97
PS Ratio 1.26
EHMEF's PS Ratio is ranked higher than
85% of the 393 Companies
in the Global Credit Services industry.

( Industry Median: 3.73 vs. EHMEF: 1.26 )
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: 1.26
0.33
1.75
EV-to-EBIT 11.06
EHMEF's EV-to-EBIT is ranked higher than
78% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 18.99 vs. EHMEF: 11.06 )
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: 16.3
Current: 11.06
5.9
16.3
EV-to-EBITDA 6.14
EHMEF's EV-to-EBITDA is ranked higher than
90% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. EHMEF: 6.14 )
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: 6.14
Current: 6.14
0.7
6.14
EV-to-Revenue 1.96
EHMEF's EV-to-Revenue is ranked higher than
88% of the 390 Companies
in the Global Credit Services industry.

( Industry Median: 5.88 vs. EHMEF: 1.96 )
Ranked among companies with meaningful EV-to-Revenue only.
EHMEF' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.5  Med: 1.1 Max: 2
Current: 1.96
0.5
2
PEG Ratio 1.63
EHMEF's PEG Ratio is ranked lower than
62% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 0.92 vs. EHMEF: 1.63 )
Ranked among companies with meaningful PEG Ratio only.
EHMEF' s PEG Ratio Range Over the Past 10 Years
Min: 0.49  Med: 1.35 Max: 22.75
Current: 1.63
0.49
22.75
Shiller PE Ratio 26.52
EHMEF's Shiller PE Ratio is ranked lower than
69% of the 54 Companies
in the Global Credit Services industry.

( Industry Median: 16.34 vs. EHMEF: 26.52 )
Ranked among companies with meaningful Shiller PE Ratio only.
EHMEF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.91  Med: 19.92 Max: 48.57
Current: 26.52
6.91
48.57
Current Ratio 10.53
EHMEF's Current Ratio is ranked higher than
70% of the 317 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 vs. EHMEF: 10.53 )
Ranked among companies with meaningful Current Ratio only.
EHMEF' s Current Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.38 Max: 10.53
Current: 10.53
0.07
10.53
Quick Ratio 10.53
EHMEF's Quick Ratio is ranked higher than
72% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. EHMEF: 10.53 )
Ranked among companies with meaningful Quick Ratio only.
EHMEF' s Quick Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.38 Max: 10.53
Current: 10.53
0.07
10.53
Days Sales Outstanding 13.16
EHMEF's Days Sales Outstanding is ranked higher than
52% of the 168 Companies
in the Global Credit Services industry.

( Industry Median: 13.97 vs. EHMEF: 13.16 )
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: 13.16
5.65
145.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.91
EHMEF's Dividend Yield % is ranked lower than
55% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 2.81 vs. EHMEF: 1.91 )
Ranked among companies with meaningful Dividend Yield % only.
EHMEF' s Dividend Yield % Range Over the Past 10 Years
Min: 1.19  Med: 2.35 Max: 6.48
Current: 1.91
1.19
6.48
Dividend Payout Ratio 0.26
EHMEF's Dividend Payout Ratio is ranked higher than
62% of the 168 Companies
in the Global Credit Services industry.

( Industry Median: 0.34 vs. EHMEF: 0.26 )
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: 0.26
0.22
0.71
3-Year Dividend Growth Rate 13.70
EHMEF's 3-Year Dividend Growth Rate is ranked higher than
71% of the 109 Companies
in the Global Credit Services industry.

( Industry Median: 5.60 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 % 2.26
EHMEF's Forward Dividend Yield % is ranked lower than
57% of the 296 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. EHMEF: 2.26 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.70
EHMEF's 5-Year Yield-on-Cost % is ranked lower than
53% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 3.29 vs. EHMEF: 2.70 )
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: 1.68  Med: 3.33 Max: 9.17
Current: 2.7
1.68
9.17
3-Year Average Share Buyback Ratio -0.10
EHMEF's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 207 Companies
in the Global Credit Services industry.

( Industry Median: -1.20 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 4.34
EHMEF's Price-to-Net-Current-Asset-Value is ranked lower than
69% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 2.18 vs. EHMEF: 4.34 )
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: 2.01  Med: 4.59 Max: 10.19
Current: 4.34
2.01
10.19
Price-to-Tangible-Book 2.57
EHMEF's Price-to-Tangible-Book is ranked lower than
63% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 1.41 vs. EHMEF: 2.57 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
EHMEF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.31  Med: 1.86 Max: 8.32
Current: 2.57
0.31
8.32
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.01
EHMEF's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
62% of the 21 Companies
in the Global Credit Services industry.

( Industry Median: 0.86 vs. EHMEF: 1.01 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
EHMEF' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 0.85  Med: 0.97 Max: 1.16
Current: 1.01
0.85
1.16
Price-to-Median-PS-Value 1.55
EHMEF's Price-to-Median-PS-Value is ranked lower than
70% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. EHMEF: 1.55 )
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: 0.1  Med: 0.77 Max: 2.28
Current: 1.55
0.1
2.28
Price-to-Peter-Lynch-Fair-Value 1.59
EHMEF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
61% of the 77 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. EHMEF: 1.59 )
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: 0.48  Med: 1.37 Max: 5.3
Current: 1.59
0.48
5.3
Price-to-Graham-Number 1.29
EHMEF's Price-to-Graham-Number is ranked higher than
50% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 1.06 vs. EHMEF: 1.29 )
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: 1.07 Max: 8.73
Current: 1.29
0.49
8.73
Earnings Yield (Greenblatt) % 9.04
EHMEF's Earnings Yield (Greenblatt) % is ranked higher than
82% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.85 vs. EHMEF: 9.04 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EHMEF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 6.1  Med: 10 Max: 17
Current: 9.04
6.1
17
Forward Rate of Return (Yacktman) % -3.25
EHMEF's Forward Rate of Return (Yacktman) % is ranked lower than
74% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 10.33 vs. EHMEF: -3.25 )
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: -3.1 Max: 29.2
Current: -3.25
-18.7
29.2

More Statistics

Revenue (TTM) (Mil) $280.04
EPS (TTM) $ 1.74
Beta0.69
Short Percentage of Float0.00%
52-Week Range $15.77 - 27.52
Shares Outstanding (Mil)13.33

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 113 113 112
EPS ($) 2.41 3.32 3.77
EPS without NRI ($) 2.41 3.32 3.77
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

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