GSY FINANCIAL STATEMENTS

goeasy Ltd — balance sheet, income statement and cash flow trends

GSYgoeasy Ltd

🇨🇦 Canada · TO · Financial Services · Credit Services

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1.7 B C$+10.3%

Gross Profit1.3 B C$+17.2%

Operating Income806.8 M C$+30.8%

EBITDA820.3 M C$-12.8%

Net Income-270.8 M C$-202.7%

Peer Comparison· Credit Services

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
GSY	—	—	—	-15.8%
PRAA	—	—	—	-21.9%
RM	—	—	—	7.4%
GDOT	—	—	—	-3.3%
NAVI	—	—	—	-2.0%
LPRO	—	—	—	-5.9%
Industry median	—	—	—	10.0%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity801.2 M C$14%
Long-term Liabilities5 B C$86%

Key Figures

YoY change

Total Assets5.8 B C$+9.2%

Total Liabilities5 B C$+20.2%

Total Equity801.2 M C$-30.5%

Cash & ST Investments356.2 M C$+97.5%

Total Debt4.8 B C$+22.9%

Net Debt4.4 B C$+19.2%

Peer Comparison· Credit Services

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
GSY	—	599.1%	5.42	13.8%
PRAA	2.02	3.2%	-1.09	19.2%
RM	6.52	441.8%	12.32	18.1%
GDOT	0.50	60.1%	-8.34	14.1%
NAVI	0.75	1,899.2%	83.76	5.0%
LPRO	4.44	113.0%	-22.64	32.6%
Industry median	1.20	116.1%	2.39	16.4%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
GSY	—	599.1%	5.42	13.8%
LB	0.01	744.5%	280.57	5.3%
TSU	23.58	23.4%	-0.19	18.5%
SII	2.98	—	—	75.4%
EQB	0.09	496.5%	40.36	6.2%
ONEX	3.66	0.3%	-0.14	92.3%
Industry median	1.20	116.1%	2.39	16.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow447 M C$—

Capital Expenditures25.2 M C$+35.6%

Free Cash Flow-25.7 M C$—

Dividends Paid-90.9 M C$-219.3%

Peer Comparison· Credit Services

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
GSY	26.0%	-1.5%	1.5%	-165.1%
PRAA	-0.6%	-1.0%	0.4%	2.9%
RM	49.5%	46.9%	2.6%	668.8%
GDOT	5.7%	2.2%	3.6%	-176.2%
NAVI	10.5%	10.5%	0.0%	-538.3%
LPRO	-0.1%	-0.8%	1.9%	2.3%
Industry median	21.2%	17.3%	1.5%	126.3%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
GSY	26.0%	-1.5%	1.5%	-165.1%
LB	-1.8%	-3.5%	1.7%	-134.2%
TSU	10.4%	10.2%	0.2%	220.2%
SII	33.9%	33.4%	0.5%	151.2%
EQB	-2.9%	-7.6%	3.1%	-44.2%
ONEX	-17.3%	-17.3%	0.0%	-18.0%
Industry median	21.2%	17.3%	1.5%	126.3%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 3, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
GSY	—	—	—	-15.8%
LB	—	—	—	1.4%
TSU	—	—	—	4.7%
SII	—	—	—	22.4%
EQB	—	—	—	6.6%
ONEX	—	—	—	96.4%
Industry median	—	—	—	10.0%