EHMEF (goeasy) Cyclically Adjusted PS Ratio: 0.82 (As of Jul. 17, 2026) — 70% Below Median

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

EHMEF goeasy Ltd EHMEF
71 GF Score
Price $35.76
GF Value $139.00
Valuation Possible Value Trap
! 7 Warning Signs
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What is goeasy Cyclically Adjusted PS Ratio?

goeasy EHMEF 71 Cyclically Adjusted PS Ratio is 0.82 as of Jul. 17, 2026, which is 70% below its 10-year median of 2.72. GuruFocus rates EHMEF with a GF Score™ of 71/100 and a GF Value™ of $139.00 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 419 Credit Services companies, goeasy ranks better than 81.86% on this metric.

As of today (2026-07-17), goeasy's current share price is $35.76. goeasy's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2025 was $43.44. goeasy's Cyclically Adjusted PS Ratio for today is 0.82.

The historical rank and industry rank for goeasy's Cyclically Adjusted PS Ratio or its related term are showing as below:

EHMEF' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.5   Med: 2.72   Max: 7.49
Current: 0.79

During the past years, goeasy's highest Cyclically Adjusted PS Ratio was 7.49. The lowest was 0.50. And the median was 2.72.

EHMEF's Cyclically Adjusted PS Ratio is ranked better than
81.86% of 419 companies
in the Credit Services industry
Industry Median: 3.05 vs EHMEF: 0.79

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

goeasy's adjusted revenue per share data for the three months ended in Dec. 2025 was $19.693. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $43.44 for the trailing ten years ended in Dec. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


goeasy  (OTCPK:EHMEF) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


goeasy Cyclically Adjusted PS Ratio Related Terms


goeasy Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for goeasy's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

goeasy Cyclically Adjusted PS Ratio Chart

goeasy Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.73 2.85 3.62 3.27 2.21

goeasy Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.27 2.83 3.03 3.02 2.21

EHMEF vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison

For the Credit Services subindustry, goeasy's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


goeasy Cyclically Adjusted PS Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, goeasy's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where goeasy's Cyclically Adjusted PS Ratio falls into.


EHMEF
71GF Score
goeasy Ltd EHMEF
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

goeasy Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

goeasy's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=35.76/43.44
=0.82

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

goeasy's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2025 is calculated as:

For example, goeasy's adjusted Revenue per Share data for the three months ended in Dec. 2025 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=19.693/130.3661*130.3661
=19.693

Current CPI (Dec. 2025) = 130.3661.

goeasy Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201603 4.597 101.054 5.930
201606 4.776 102.002 6.104
201609 4.834 101.765 6.193
201612 4.933 101.449 6.339
201703 4.991 102.634 6.340
201706 5.419 103.029 6.857
201709 6.185 103.345 7.802
201712 4.499 103.345 5.675
201803 5.730 105.004 7.114
201806 6.076 105.557 7.504
201809 6.399 105.636 7.897
201812 6.344 105.399 7.847
201903 6.505 106.979 7.927
201906 6.939 107.690 8.400
201909 7.335 107.611 8.886
201912 7.813 107.769 9.451
202003 7.442 107.927 8.989
202006 7.067 108.401 8.499
202009 7.678 108.164 9.254
202012 8.657 108.559 10.396
202103 8.630 110.298 10.200
202106 9.876 111.720 11.524
202109 10.002 112.905 11.549
202112 10.631 113.774 12.181
202203 10.893 117.646 12.071
202206 11.896 120.806 12.837
202209 11.907 120.648 12.866
202212 12.017 120.964 12.951
202303 12.299 122.702 13.067
202306 13.364 124.203 14.027
202309 13.869 125.230 14.438
202312 14.654 125.072 15.274
202403 15.233 126.258 15.729
202406 15.864 127.522 16.218
202409 16.258 127.285 16.652
202412 16.799 127.364 17.195
202503 16.050 129.181 16.197
202506 18.357 129.892 18.424
202509 19.010 130.287 19.022
202512 19.693 130.366 19.693

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

What does a Cyclically Adjusted PS Ratio of 0.82 mean?
goeasy (EHMEF) has a Cyclically Adjusted PS Ratio of 0.82 as of Jul. 17, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on goeasy and its competitors. This is 70% below median its historical median of 2.72. Over the past decade, goeasy's Cyclically Adjusted PS Ratio has ranged from 0.50 to 7.49. According to the industry distribution chart, goeasy ranks #76 out of 419 companies in the Credit Services industry, placing it in the top 18.1%.
Is goeasy's Cyclically Adjusted PS Ratio too high?
goeasy's current Cyclically Adjusted PS Ratio of 0.82 is 70% below median its 10-year median of 2.72. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 7.49. The Credit Services industry median Cyclically Adjusted PS Ratio is 3.05. goeasy's value of 0.82 is 73.1% below this industry median. Based on the distribution chart, goeasy ranks #76 out of 419 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, goeasy has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does goeasy's Cyclically Adjusted PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, goeasy ranks #76 out of 419 companies for Cyclically Adjusted PS Ratio. This places goeasy in the top 18% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 3.05. goeasy's value of 0.82 is 73.1% below this benchmark. Historically, goeasy's own Cyclically Adjusted PS Ratio has ranged from 0.50 to 7.49 over the past decade. While the company's 10-year median is 2.72 vs. the industry median of 3.05, goeasy has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Credit Services company?
The median Cyclically Adjusted PS Ratio among Credit Services companies is 3.05, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. goeasy's current Cyclically Adjusted PS Ratio of 0.82 is 73.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on goeasy and its competitors. For the Credit Services industry, the median Cyclically Adjusted PS Ratio is 3.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. goeasy's current Cyclically Adjusted PS Ratio is 0.82, which is 70% below median its own 10-year median of 2.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is goeasy stock overvalued right now?
Based on GuruFocus' analysis, goeasy (EHMEF) is currently considered Possible Value Trap. The stock's GF Value™ is $139.00, compared to a current price of $35.76 — trading 74.3% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.82, which is 70% below median its 10-year median of 2.72 and 73.1% below the Credit Services industry median of 3.05. goeasy's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For goeasy (EHMEF), the current Cyclically Adjusted PS Ratio is 0.82 as of Jul. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is goeasy (EHMEF) Overvalued in 2026?

Based on GuruFocus' analysis, goeasy stock appears to be undervalued. The current stock price of $35.76 is trading 74.3% below its estimated GF Value™ of $139.00. GuruFocus considers goeasy to be Possible Value Trap.

Key valuation signals for EHMEF:

  • Cyclically Adjusted PS Ratio: 0.82 (70% below median its 10-year median of 2.72)
  • GF Value™: $139.00 vs. price of $35.76 (74.3% below fair value)
  • GF Score™: 71/100 with 7 warning signs
  • Industry Position: 73.1% below the Credit Services median (#76 of 419)

No single metric tells the full story. See the EHMEF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


goeasy Business Description

Other Exchanges 1ES:GermanyGSY:Canada
Address 33 City Centre Drive, 5th Floor, Suite 510, Mississauga, ON, CAN, L5B 2N5
goeasy Ltd is a financial services company. The principal operating activities of the company include providing loans and other financial services to consumers and leasing household products to consumers. Customers can transact seamlessly through an omnichannel model that includes online and mobile platforms. The company operates in two reportable segments: easyfinancial and easyhome. A majority of its revenue is generated from the easyfinancial segment, which lends out capital in the form of unsecured and secured consumer loans to nonprime borrowers. This segment offers unsecured and real estate secured installment loans and also specializes in financing consumer purchases in the powersports, automotive, retail, healthcare, and home improvement categories.
71GF Score

Get the complete analysis for EHMEF

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.76
Price
$139.00
GF Value