goeasy (TSX:GSY) Operating Margin %: 56.93% (As of Dec. 2025) — 22% Above Median


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 Operating Margin %?

goeasy TSX:GSY +5.10% 74 Operating Margin % is 56.93% as of Dec. 2025, which is 22% above its 10-year median of 46.79. 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. Among 412 Credit Services companies, goeasy ranks better than 85.92% on this metric.

Operating Margin % is calculated as Operating Income divided by its Revenue. goeasy's Operating Income for the three months ended in Dec. 2025 was C$254 Mil. goeasy's Revenue for the three months ended in Dec. 2025 was C$446 Mil. Therefore, goeasy's Operating Margin % for the quarter that ended in Dec. 2025 was 56.93%.

Good Sign:

goeasy Ltd operating margin is expanding. Margin expansion is usually a good sign.

The historical rank and industry rank for goeasy's Operating Margin % or its related term are showing as below:

TSX:GSY' s Operating Margin % Range Over the Past 10 Years
Min: 27.68   Med: 46.79   Max: 55.25
Current: 55.25


TSX:GSY's Operating Margin % is ranked better than
85.92% of 412 companies
in the Credit Services industry
Industry Median: 17.325 vs TSX:GSY: 55.25

goeasy's 5-Year Average Operating Margin % Growth Rate was 4.00% per year.

goeasy's Operating Income for the three months ended in Dec. 2025 was C$254 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Dec. 2025 was C$937 Mil.


goeasy  (TSX:GSY) Operating Margin % Explanation

Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.


Be Aware

Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia’s Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.


goeasy Operating Margin % Related Terms


goeasy Operating Margin % Historical Data

* Premium members only.

The historical data trend for goeasy's Operating Margin % 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 Operating Margin % Chart

goeasy Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Operating Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 47.59 51.26 52.33 55.16 55.25

goeasy Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Operating Margin % 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 55.71 53.94 53.94 55.94 56.93

TSX:GSY vs V, MA, AXP: Operating Margin % Comparison

For the Credit Services subindustry, goeasy's Operating Margin %, along with its competitors' market caps and Operating Margin % 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 Operating Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, goeasy's Operating Margin % distribution charts can be found below:

* The bar in red indicates where goeasy's Operating Margin % falls into.


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

goeasy Operating Margin % Calculation

Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.

goeasy's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as

Operating Margin %=Operating Income (A: Dec. 2025 ) / Revenue (A: Dec. 2025 )
=937.399 / 1696.789
=55.25 %

goeasy's Operating Margin % for the quarter that ended in Dec. 2025 is calculated as

Operating Margin %=Operating Income (Q: Dec. 2025 ) / Revenue (Q: Dec. 2025 )
=254.116 / 446.402
=56.93 %

* 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 Operating Margin % →
What does a Operating Margin % of 56.93% mean?
goeasy (TSX:GSY) has a Operating Margin % of 56.93% as of Dec. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on goeasy and its competitors. This is 22% above median its historical median of 46.79. Over the past decade, goeasy's Operating Margin % has ranged from 27.68 to 55.25. According to the industry distribution chart, goeasy ranks #58 out of 412 companies in the Credit Services industry, placing it in the top 14.1%.
Is goeasy's Operating Margin % too high?
goeasy's current Operating Margin % of 56.93% is 22% above median its 10-year median of 46.79. Over the past 10 years, this metric has ranged from a low of 27.68 to a high of 55.25. The Credit Services industry median Operating Margin % is 17.33. goeasy's value of 56.93% is 228.6% above this industry median. Based on the distribution chart, goeasy ranks #58 out of 412 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 74/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does goeasy's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, goeasy ranks #58 out of 412 companies for Operating Margin %. This places goeasy in the top 14% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.33. goeasy's value of 56.93% is 228.6% above this benchmark. Historically, goeasy's own Operating Margin % has ranged from 27.68 to 55.25 over the past decade. While the company's 10-year median is 46.79 vs. the industry median of 17.33, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. goeasy's current Operating Margin % of 56.93% is 228.6% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on goeasy and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. goeasy's current Operating Margin % is 56.93%, which is 22% above median its own 10-year median of 46.79. 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 Operating Margin % is 56.93%, which is 22% above median its 10-year median of 46.79 and 228.6% above the Credit Services industry median of 17.33. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For goeasy (TSX:GSY), the current Operating Margin % is 56.93% 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:

  • Operating Margin %: 56.93% (22% above median its 10-year median of 46.79)
  • GF Value™: C$192.74 vs. price of C$41.83 (78.3% below fair value)
  • GF Score™: 74/100 with 7 warning signs
  • Industry Position: 228.6% above the Credit Services median (#58 of 412)

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

Operating Margin % 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