goeasy Ltd.(EHMEF)

$31.85—Stale · unknown old

Chart

goeasy Ltd.(EHMEF)

OTCMARKET • Last print unknown ago

$31.85—Stale · unknown old

Chart Studio

EHMEF(EHMEF)

EHMEF

Overview Fair Value Stream Notebook Intel Chart History Fundamentals TTM Earnings Analysts News Financials Insiders Institl.DCF Peers

9/6/26

goeasy (EHMEF)

Sunday

12:58 AM

Thesisgoeasy: the story is balanced — Net charge-off rates and delinquency trends (30+ day delinquencies as leading indicator of credit quality)

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$1.7B	$1.6B	$1.6B
Rev. Growth	+11.4%	-5.4%	-0.6%
EPS	$-15.08	$-1.09	$4.67
EPS Growth	-191%	+92.7%	+527%
P/E (fwd)	—	—	6.8×

★ Analysts see FY2027 revenue reaching $1.6B — -0.6% growth in a single year.

What Moves the Stock

01Net charge-off rates and delinquency trends (30+ day delinquencies as leading indicator of credit quality)
02Loan portfolio growth rate and origination volumes (quarterly gross loan originations typically $400M-$500M)
03Net interest margin compression or expansion (spread between loan yields and funding costs)
04Regulatory developments affecting maximum allowable interest rates in Canadian provinces
05Provision for credit losses relative to expectations (PCL as % of average net loans receivable)
06easyfinancial unsecured installment loans (~75-80% of revenue): Interest income on personal loans with APRs typically 30-47%
07easyfinancial secured home equity loans (~10-15% of revenue): Lower-rate secured lending with APRs around 20-30%
08easyhome point-of-sale financing (~5-10% of revenue): Lease-to-own and retail financing for consumer goods

FY2025 Snapshot

Revenue: $1.7B
Rev. Growth: +11.4%
Gross Margin: 68.9%
Op. Margin: 55.2%
Net Margin: -10.5%
Net Income: $-178M
NI Growth: -163%
EPS: $-15.08
1Y Return: -79.1%

My Notes

value - The stock trades at 1.2x sales and 1.6x book value with 19.4% ROE, attracting value investors seeking exposure to Canadian consumer…
Moderate negative sensitivity to rising rates.
Watch on earnings: Canadian unemployment rate (UNRATE proxy) - leading indicator of credit quality deterioration, 30-day and 90-day delinquency rates disclosed in quarterly filings, Net charge-off rate as % of average loans receivable (quarterly trend).

One Sentence Summary:

goeasy: the story is balanced — net charge-off rates and delinquency trends (30+ day delinquencies as leading indicator of credit quality).

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

Writing up the research noteFirst read for a new ticker takes about 20-30 seconds while we build the analysis from the latest fundamentals, estimates, and intelligence. It's saved after this, so future visits are instant.

Explore More

S&P 500 Screener

Filter and sort all 500 stocks

Market Movers

Today's biggest gainers and losers

Market Heatmap

Visual sector performance

Metric

FY2025

FY2026E

FY2027E

P/E (fwd)

—

6.8×

What Moves the Stock

01Net charge-off rates and delinquency trends (30+ day delinquencies as leading indicator of credit quality)

02Loan portfolio growth rate and origination volumes (quarterly gross loan originations typically $400M-$500M)

03Net interest margin compression or expansion (spread between loan yields and funding costs)

04Regulatory developments affecting maximum allowable interest rates in Canadian provinces

05Provision for credit losses relative to expectations (PCL as % of average net loans receivable)

06easyfinancial unsecured installment loans (~75-80% of revenue): Interest income on personal loans with APRs typically 30-47%

07easyfinancial secured home equity loans (~10-15% of revenue): Lower-rate secured lending with APRs around 20-30%

08easyhome point-of-sale financing (~5-10% of revenue): Lease-to-own and retail financing for consumer goods

My Notes

value - The stock trades at 1.2x sales and 1.6x book value with 19.4% ROE, attracting value investors seeking exposure to Canadian consumer…

Moderate negative sensitivity to rising rates.

Watch on earnings: Canadian unemployment rate (UNRATE proxy) - leading indicator of credit quality deterioration, 30-day and 90-day delinquency rates disclosed in quarterly filings, Net charge-off rate as % of average loans receivable (quarterly trend).

goeasy (EHMEF)

Revenue Outlook

What Moves the Stock

EHMEF Chart

My Notes

One Sentence Summary:

Explore More

goeasy (EHMEF)

Revenue Outlook

What Moves the Stock

EHMEF Chart

My Notes

One Sentence Summary: