goeasyTSX:GSY +5.10%74 PB Ratio is 0.79 as of Jun. 25, 2026, which is 66% below its 10-year median of 2.34. 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 523 Credit Services companies, goeasy ranks better than 63.48% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-25), goeasy's share price is C$41.83. goeasy's Book Value per Share for the quarter that ended in Dec. 2025 was C$53.07. Hence, goeasy's PB Ratio of today is 0.79.
The historical rank and industry rank for goeasy's PB Ratio or its related term are showing as below:
TSX:GSY'
s PB Ratio Range Over the Past 10 Years
Min: 0.57 Med: 2.34 Max: 4.8
Current: 0.78
During the past 13 years, goeasy's highest PB Ratio was 4.80. The lowest was 0.57. And the median was 2.34.
TSX:GSY's PB Ratio is ranked better than 63.48% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs TSX:GSY: 0.78
During the past 12 months, goeasy's average Book Value Per Share Growth Rate was -25.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 0.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 19.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of goeasy was 45.50% per year. The lowest was -23.40% per year. And the median was 10.60% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
goeasy PB Ratio Related Terms
goeasy PB Ratio Historical Data
* Premium members only.
The historical data trend for goeasy's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, goeasy's PB Ratio distribution charts can be found below:
* The bar in red indicates where goeasy's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
goeasy's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
goeasy (TSX:GSY) has a PB Ratio of 0.79 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on goeasy and its competitors. This is 66% below median its historical median of 2.34. Over the past decade, goeasy's PB Ratio has ranged from 0.57 to 4.80. According to the industry distribution chart, goeasy ranks #191 out of 523 companies in the Credit Services industry, placing it in the top 36.5%.
Is goeasy's PB Ratio too high?
goeasy's current PB Ratio of 0.79 is 66% below median its 10-year median of 2.34. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 4.80. The Credit Services industry median PB Ratio is 1.06. goeasy's value of 0.79 is 25.5% below this industry median. Based on the distribution chart, goeasy ranks #191 out of 523 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, goeasy ranks #191 out of 523 companies for PB Ratio. This puts goeasy in the upper half of its industry. The industry median PB Ratio is 1.06. goeasy's value of 0.79 is 25.5% below this benchmark. Historically, goeasy's own PB Ratio has ranged from 0.57 to 4.80 over the past decade. While the company's 10-year median is 2.34 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. goeasy's current PB Ratio of 0.79 is 25.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on goeasy and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. goeasy's current PB Ratio is 0.79, which is 66% below median its own 10-year median of 2.34. 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 PB Ratio is 0.79, which is 66% below median its 10-year median of 2.34 and 25.5% below the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For goeasy (TSX:GSY), the current PB Ratio is 0.79 as of Jun. 25, 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$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:
PB Ratio: 0.79 (66% below median its 10-year median of 2.34)
GF Value™: C$192.74 vs. price of C$41.83 (78.3% below fair value)
Industry Position: 25.5% below the Credit Services median (#191 of 523)
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
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