goeasy (TSX:GSY) EBIT: C$937 Mil (TTM As of Dec. 2025)


TSX:GSY goeasy Ltd TSX:GSY
74 GF Score
Price C$41.83
GF Value C$192.74
Valuation Possible Value Trap
! 7 Warning Signs
View Full Analysis

What is goeasy EBIT?

goeasy TSX:GSY +5.10% 74 EBIT is C$937 Mil as of Dec. 2025. GuruFocus rates TSX:GSY with a GF Score™ of 74/100 and a GF Value™ of C$192.74 (Possible Value Trap). The stock has 7 warning signs investors should review.

goeasy's earnings before interest and taxes (EBIT) for the three months ended in Dec. 2025 was C$254 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was C$937 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. goeasy's annualized ROC % for the quarter that ended in Dec. 2025 was 15.63%. goeasy's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 854.01%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. goeasy's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 18.04%.


goeasy  (TSX:GSY) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

goeasy's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Sep. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=1016.464 * ( 1 - 15.63% )/( (5516.776 + 5458.771)/ 2 )
=857.5906768/5487.7735
=15.63 %

where

Invested Capital(Q: Sep. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=6204.34 - 188.75 - ( 498.814 - max(0, 218.465 - 5632.086+498.814))
=5516.776

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=5758.005 - 199.773 - ( 99.461 - max(0, 230.992 - 5347.193+99.461))
=5458.771

Note: The Operating Income data used here is four times the quarterly (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

goeasy's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Sep. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=1016.464/( ( (118.09 + max(-17.882, 0)) + (119.954 + max(-0.094999999999608, 0)) )/ 2 )
=1016.464/( ( 118.09 + 119.954 )/ 2 )
=1016.464/119.022
=854.01 %

where Working Capital is:

Working Capital(Q: Sep. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(186.837 + 0 + 13.746) - (188.75 + 29.715 + 0)
=-17.882

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(168.538 + 0 + 62.359) - (199.773 + 31.219 + 0)
=-0.094999999999608

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Dec. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

goeasy's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=937.402/5196.347
=18.04 %

* 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 EBIT Related Terms


goeasy EBIT Historical Data

* Premium members only.

The historical data trend for goeasy's EBIT 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 EBIT Chart

goeasy Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 393.43 522.56 654.13 846.65 937.40

goeasy Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
EBIT 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 232.20 211.37 225.64 246.27 254.12

TSX:GSY vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, goeasy's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, goeasy's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where goeasy's EV-to-EBIT falls into.


TSX:GSY
74GF Score
goeasy Ltd TSX:GSY
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

goeasy EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was C$937 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of C$937 Mil mean?
goeasy (TSX:GSY) has a EBIT of C$937 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on goeasy.
Is goeasy's EBIT too high?
goeasy's current EBIT is C$937 Mil. 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 EBIT compare to V and MA?
goeasy's EBIT of C$937 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on goeasy. goeasy's current EBIT is C$937 Mil. 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$192.74, compared to a current price of C$41.83 — trading 78.3% below its estimated fair value. The current EBIT is C$937 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For goeasy (TSX:GSY), the current EBIT is C$937 Mil 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$41.83 is trading 78.3% below its estimated GF Value™ of C$192.74. GuruFocus considers goeasy to be Possible Value Trap.

Key valuation signals for TSX:GSY:

  • EBIT: C$937 Mil
  • GF Value™: C$192.74 vs. price of C$41.83 (78.3% below fair value)
  • GF Score™: 74/100 with 7 warning signs

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 Business Description

Other Exchanges EHMEF:USA1ES:Germany
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.
74GF Score

Get the complete analysis for TSX:GSY

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

C$41.83
Price
C$192.74
GF Value