GSY PEER ANALYSIS

goeasy Ltd — metric-by-metric comparison with peers and the industry median

GSYgoeasy Ltd

🇨🇦 Canada · TO · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

GSYIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	GSY	PRAA	RM	GDOT	NAVI	LPRO	Ind. Median
P/E	—	—	8.25	—	—	—	16.27
P/B	0.98	0.70	1.07	0.82	0.35●	4.86	2.03
EV/EBITDA	6.37	7.14	15.51	-2.36●	85.31	60.38	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	GSY	PRAA	RM	GDOT	NAVI	LPRO	Ind. Median
Current Ratio	—	2.02	6.52●	0.50	0.75	4.44	1.20
Debt/Equity	599.1%	3.2%●	441.8%	60.1%	1,899.2%	113.0%	116.1%
NetDebt/EBITDA	5.42	-1.09	12.32	-8.34	83.76	-22.64●	2.39

Profitability
Metric	GSY	PRAA	RM	GDOT	NAVI	LPRO	Ind. Median
Net Margin	-15.8%	-21.9%	7.4%●	-3.3%	-2.0%	-5.9%	10.0%
ROE	-27.7%	-25.3%	13.3%●	-7.5%	-2.4%	-6.8%	13.4%
ROA	-4.9%	-5.4%	2.5%●	-1.1%	-0.1%	-2.0%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	GSY	PRAA	RM	GDOT	NAVI	LPRO	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	—	47.8%	—	—	—	19.9%
Div. Yield	9.4%●	—	2.8%	—	7.3%	—	1.2%
Payout	-33.6%	—	24.1%	—	-103.3%	—	16.3%

Valuation
Metric	GSY	LB	TSU	SII	EQB	ONEX	Ind. Median
P/E	—	116.44	14.95	36.22	25.90	9.85●	16.27
P/B	0.98	0.68	2.38	8.01	1.55	0.59●	2.03
EV/EBITDA	6.37●	306.37	10.59	—	54.62	9.09	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	GSY	LB	TSU	SII	EQB	ONEX	Ind. Median
Current Ratio	—	0.01	23.58●	2.98	0.09	3.66	1.20
Debt/Equity	599.1%	744.5%	23.4%	—	496.5%	0.3%●	116.1%
NetDebt/EBITDA	5.42	280.57	-0.19●	—	40.36	-0.14	2.39

Profitability
Metric	GSY	LB	TSU	SII	EQB	ONEX	Ind. Median
Net Margin	-15.8%	1.4%	4.7%	22.4%	6.6%	96.4%●	10.0%
ROE	-27.7%	1.0%	17.0%	23.9%●	6.1%	6.4%	13.4%
ROA	-4.9%	0.1%	3.1%	19.0%●	0.4%	4.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	GSY	LB	TSU	SII	EQB	ONEX	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	-80.9%	35.2%	70.2%●	-49.0%	25.5%	19.9%
Div. Yield	9.4%●	4.7%	—	0.9%	1.6%	0.3%	1.2%
Payout	-33.6%	335.1%	—	42.6%	43.2%	3.5%	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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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.