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goeasyTSX:GSY -0.33%74 Debt-to-EBITDA is 4.21 as of Dec. 2025, which is 35% above its 10-year median of 3.11. GuruFocus rates TSX:GSY with a GF Score™ of 74/100 and a GF Value™ of C$191.50 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 284 Credit Services companies, goeasy ranks better than 67.25% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for goeasy's Debt-to-EBITDA or its related term are showing as below:
TSX:GSY'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.75 Med: 3.11 Max: 4.54
Current: 4.54
During the past 13 years, the highest Debt-to-EBITDA Ratio of goeasy was 4.54. The lowest was 1.75. And the median was 3.11.
TSX:GSY's Debt-to-EBITDA is ranked better than 67.25% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs TSX:GSY: 4.54
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
goeasy Debt-to-EBITDA Related Terms
goeasy Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for goeasy's Debt-to-EBITDA 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.
For the Credit Services subindustry, goeasy's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, goeasy's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where goeasy's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Dec. 2025) EBITDA data.
goeasy (TSX:GSY) has a Debt-to-EBITDA of 4.21 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on goeasy. This is 35% above median its historical median of 3.11. Over the past decade, goeasy's Debt-to-EBITDA has ranged from 1.75 to 4.54. According to the industry distribution chart, goeasy ranks #93 out of 284 companies in the Credit Services industry, placing it in the top 32.7%.
Is goeasy's Debt-to-EBITDA too high?
goeasy's current Debt-to-EBITDA of 4.21 is 35% above median its 10-year median of 3.11. Over the past 10 years, this metric has ranged from a low of 1.75 to a high of 4.54. The Credit Services industry median Debt-to-EBITDA is 9.20. goeasy's value of 4.21 is 54.2% below this industry median. Based on the distribution chart, goeasy ranks #93 out of 284 companies in the Credit Services industry, which is above the industry midpoint. Overall, goeasy has a GF Score™ of 74/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does goeasy's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, goeasy ranks #93 out of 284 companies for Debt-to-EBITDA. This puts goeasy in the upper half of its industry. The industry median Debt-to-EBITDA is 9.20. goeasy's value of 4.21 is 54.2% below this benchmark. Historically, goeasy's own Debt-to-EBITDA has ranged from 1.75 to 4.54 over the past decade. While the company's 10-year median is 3.11 vs. the industry median of 9.20, 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.20, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. goeasy's current Debt-to-EBITDA of 4.21 is 54.2% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on goeasy. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. goeasy's current Debt-to-EBITDA is 4.21, which is 35% above median its own 10-year median of 3.11. 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 (TSX:GSY) is currently considered Possible Value Trap. The stock's GF Value™ is C$191.50, compared to a current price of C$48.84 — trading 74.5% below its estimated fair value. The current Debt-to-EBITDA is 4.21, which is 35% above median its 10-year median of 3.11 and 54.2% below the Credit Services industry median of 9.20. goeasy's overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For goeasy (TSX:GSY), the current Debt-to-EBITDA is 4.21 as of Dec. 2025. 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 (TSX:GSY) Overvalued in 2026?
Based on GuruFocus' analysis, goeasy stock appears to be undervalued.
The current stock price of C$48.84 is trading 74.5% below its estimated GF Value™ of C$191.50.
GuruFocus considers goeasy to be Possible Value Trap.
Key valuation signals for TSX:GSY:
Debt-to-EBITDA: 4.21 (35% above median its 10-year median of 3.11)
GF Value™: C$191.50 vs. price of C$48.84 (74.5% below fair value)
Industry Position: 54.2% below the Credit Services median (#93 of 284)
No single metric tells the full story. See the TSX:GSY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
74GF Score
Get the complete analysis for TSX:GSY
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