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goeasyTSX:GSY +0.48%72 3-Year EBITDA Growth Rate is 19.30% as of Jun. 2026, which is 127% above its 10-year median of 8.50. GuruFocus rates TSX:GSY with a GF Score™ of 72/100 and a GF Value™ of C$185.30 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 323 Credit Services companies, goeasy ranks better than 61.92% on this metric.
During the past 12 months, goeasy's average EBITDA Per Share Growth Rate was 3.70% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 19.30% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 22.10% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 21.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of goeasy was 64.20% per year. The lowest was -27.20% per year. And the median was 8.50% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
goeasy 3-Year EBITDA Growth Rate Related Terms
TSX:GSY vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, goeasy's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, goeasy's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where goeasy's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 19.30% mean?
goeasy (TSX:GSY) has a 3-Year EBITDA Growth Rate of 19.30% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for goeasy and its competitors. This is 127% above median its historical median of 8.50. According to the industry distribution chart, goeasy ranks #123 out of 323 companies in the Credit Services industry, placing it in the top 38.1%.
Is goeasy's 3-Year EBITDA Growth Rate too high?
goeasy's current 3-Year EBITDA Growth Rate of 19.30% is 127% above median its 10-year median of 8.50. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.10. goeasy's value of 19.30% is 112.1% above this industry median. Based on the distribution chart, goeasy ranks #123 out of 323 companies in the Credit Services industry, which is above the industry midpoint. Overall, goeasy has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does goeasy's 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, goeasy ranks #123 out of 323 companies for 3-Year EBITDA Growth Rate. This puts goeasy in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. goeasy's value of 19.30% is 112.1% above this benchmark. While the company's 10-year median is 8.50 vs. the industry median of 9.10, goeasy has consistently been above 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 323 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. goeasy's current 3-Year EBITDA Growth Rate of 19.30% is 112.1% above 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for goeasy and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. goeasy's current 3-Year EBITDA Growth Rate is 19.30%, which is 127% above median its own 10-year median of 8.50. 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$185.30, compared to a current price of C$43.66 — trading 76.4% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 19.30%, which is 127% above median its 10-year median of 8.50 and 112.1% above the Credit Services industry median of 9.10. goeasy's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For goeasy (TSX:GSY), the current 3-Year EBITDA Growth Rate is 19.30% as of Jun. 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 (TSX:GSY) Overvalued in 2026?
Based on GuruFocus' analysis, goeasy stock appears to be undervalued.
The current stock price of C$43.66 is trading 76.4% below its estimated GF Value™ of C$185.30.
GuruFocus considers goeasy to be Possible Value Trap.
Key valuation signals for TSX:GSY:
3-Year EBITDA Growth Rate: 19.30% (127% above median its 10-year median of 8.50)
GF Value™: C$185.30 vs. price of C$43.66 (76.4% below fair value)
Industry Position: 112.1% above the Credit Services median (#123 of 323)
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.
72GF Score
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