EHMEF (goeasy) Moat Score: 5/10 (As of Jul. 02, 2026)


EHMEF goeasy Ltd EHMEF
71 GF Score
Price $33.89
GF Value $140.99
Valuation Possible Value Trap
! 7 Warning Signs
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What is goeasy Moat Score?

goeasy EHMEF +8.46% 71 Moat Score is 5 as of Jul. 02, 2026. GuruFocus rates EHMEF with a GF Score™ of 71/100 and a GF Value™ of $140.99 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 566 Credit Services companies, goeasy ranks better than 97.53% on this metric.

goeasy has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

goeasy has Narrow Moat: goeasy Ltd has a solid narrow moat due to its established brand in the financial services sector and some customer loyalty. However, it faces competition and lacks significant regulatory barriers or unique intellectual property.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes goeasy might have Narrow Moat - Solid narrow moat.

goeasy  (OTCPK:EHMEF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

goeasy Moat Score Related Terms

EHMEF vs V, MA, AXP: Moat Score Comparison

For the Credit Services subindustry, goeasy's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, goeasy's Moat Score distribution charts can be found below:

* The bar in red indicates where goeasy's Moat Score falls into.


EHMEF
71GF Score
goeasy Ltd EHMEF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
goeasy (EHMEF) has a Moat Score of 5 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, goeasy ranks #14 out of 566 companies in the Credit Services industry, placing it in the top 2.5%.
Is goeasy's Moat Score too high?
goeasy's current Moat Score is 5. Based on the distribution chart, goeasy ranks #14 out of 566 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 Moat Score compare to V and MA?
According to the Credit Services industry distribution chart, goeasy ranks #14 out of 566 companies for Moat Score. This places goeasy in the top 3% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. goeasy's current Moat Score is 5. 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 $140.99, compared to a current price of $33.89 — trading 76% below its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For goeasy (EHMEF), the current Moat Score is 5 as of Jul. 02, 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 $33.89 is trading 76% below its estimated GF Value™ of $140.99. GuruFocus considers goeasy to be Possible Value Trap.

Key valuation signals for EHMEF:

  • Moat Score: 5
  • GF Value™: $140.99 vs. price of $33.89 (76% below fair value)
  • GF Score™: 71/100 with 7 warning signs

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

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

$33.89
Price
$140.99
GF Value