This report should not be construed as providing investment advice. It is for educational purposes only. Before making any investment decision, you should always do your own research or consult a investment professional.
While I try to be accurate, I assume no responsibility for any figure in this spreadsheet. Estimates Estimates Estimates
See my website on stocks or see my blog at the following sites. www.spbrunner.com/stocks.html www.spbrunner.blogspot.com/ Q1 2017
Goeasy Ltd TSX GSY OTC EHMEF www.goeasy.com/ Fiscal Yr: Dec 31
Year 12/31/05 12/31/06 12/31/07 12/30/08 12/31/09 12/31/10 12/31/11 12/30/12 12/31/13 12/31/14 12/31/15 12/30/16 12/31/17 12/31/18 12/31/19 Value Description #Y Item Total G
Accounting Rules IFRS IFRS IFRS IFRS IFRS Accounting Rules
$360 <-12 mths 3.56%
Revenue* $103.1 $119.6 $143.7 $162.5 $173.0 $180.8 $188.3 $199.7 $218.8 $259.2 $304.3 $347.5 $393.0 $446.0 $505.0 190.64% <-Total Growth 10 Revenue
Increase 15.96% 20.16% 13.10% 6.50% 4.47% 4.17% 6.03% 9.59% 18.43% 17.41% 14.21% 13.09% 13.49% 13.23% 11.26% <-IRR #YR-> 10 Revenue 190.64%
5 year Running Average $140.4 $155.9 $169.7 $180.9 $192.1 $209.4 $234 $266 $304.5 $350.0 $399.2 13.03% <-IRR #YR-> 5 Revenue 84.52%
Revenue per Share $10.40 $11.78 $13.84 $15.47 $16.61 $15.27 $15.89 $16.72 $16.47 $19.44 $22.69 $26.08 $29.49 $33.47 $37.90 9.55% <-IRR #YR-> 7 5 yr Running Average #DIV/0!
Increase 13.24% 17.55% 11.72% 7.38% -8.08% 4.11% 5.22% -1.54% 18.07% 16.70% 14.95% 13.09% 13.49% 13.23% 9.40% <-IRR #YR-> 5 5 yr Running Average 56.71%
5 year Running Average $13.62 $14.59 $15.42 $15.99 $16.19 $16.76 $18.24 $20.28 $22.83 $26.23 $29.93 8.27% <-IRR #YR-> 10 Revenue per Share 121.43%
P/S (Price/Sales) Med 1.53 1.36 1.35 0.91 0.57 0.62 0.48 0.44 0.81 1.06 0.84 0.81 10.41% <-IRR #YR-> 5 Revenue per Share 64.08%
P/S (Price/Sales) Close 1.52 1.44 1.43 0.61 0.51 0.61 0.33 0.54 1.05 1.03 0.84 0.94 1.05 0.92 0.82 5.85% <-IRR #YR-> 7 5 yr Running Average #DIV/0!
*Revenue in M CDN $ P/S Med 10 yr 0.81 5 yr 0.81 29.52% Diff M/C 5.64% <-IRR #YR-> 5 5 yr Running Average 31.55%
-$119.6 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $347.5
-$188.3 $0.0 $0.0 $0.0 $0.0 $347.5
-$140.4 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $265.9
-$169.7 $0.0 $0.0 $0.0 $0.0 $265.9
-$11.78 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $26.08
-$15.89 $0.00 $0.00 $0.00 $0.00 $26.08
$2.44 <-12 mths 9.42%
EPS Basic $0.59 $0.89 $1.13 $0.85 $0.46 $0.65 $0.81 $0.93 $1.16 $1.47 $1.75 $2.29 157.30% <-Total Growth 10 EPS Basic
EPS Diluted* $0.55 $0.86 $1.11 $0.84 $0.46 $0.65 $0.81 $0.92 $1.15 $1.42 $1.69 $2.23 $2.81 $3.69 $4.98 159.30% <-Total Growth 10 EPS Diluted
Increase 56.36% 29.07% -24.32% -45.24% 41.30% 24.62% 13.58% 25.00% 23.48% 19.01% 31.95% 26.01% 31.32% 34.96% 10.00% <-IRR #YR-> 10 Earnings per Share 159.30%
Earnings Yield 3.48% 5.06% 5.62% 8.84% 5.41% 7.02% 15.43% 10.20% 6.65% 7.08% 8.92% 9.14% 9.09% 11.94% 16.11% 22.45% <-IRR #YR-> 5 Earnings per Share 175.31%
5 year Running Average $0.76 $0.78 $0.77 $0.74 $0.80 $0.99 $1.20 $1.48 $1.86 $2.37 $3.08 9.93% <-IRR #YR-> 7 5 yr Running Average 89.03%
10 year Running Average $0.88 $0.99 $1.13 $1.30 $1.58 $2.04 13.87% <-IRR #YR-> 5 5 yr Running Average 91.47%
* Diluted ESP per share E/P 10 Yrs 7.96% 5Yrs 8.92%
-$0.86 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2.23
-$0.81 $0.00 $0.00 $0.00 $0.00 $2.23
-$0.76 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.48
-$0.77 $0.00 $0.00 $0.00 $0.00 $1.48
Special Dividends $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 <-Median-> 10 Special Dividends
Dividend* $0.18 $0.22 $0.27 $0.34 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.39 $0.48 $0.67 $0.72 $0.72 115.91% <-Total Growth 10 Dividends
Increase 22.22% 22.73% 25.93% 5.88% 0.00% 0.00% 0.00% 0.00% 0.00% 8.33% 21.79% 40.00% 8.27% 0.00% Count 12 Years of data
Dividends 5 Yr Running $0.22 $0.27 $0.31 $0.34 $0.36 $0.36 $0.36 $0.37 $0.39 $0.45 $0.52 $0.59 41.97% <-Total Growth 8 Dividends 5 Yr Running
Yield H/L Price 1.13% 1.38% 1.45% 2.42% 3.77% 3.81% 4.73% 4.84% 2.71% 1.75% 2.05% 2.25% 2.19% 2.56% <-Median-> 10 Yield H/L Price
Yield on High Price 0.97% 1.29% 1.29% 1.70% 3.28% 3.03% 3.61% 3.85% 2.08% 1.39% 1.68% 1.83% 1.82% 1.96% <-Median-> 10 Yield on High Price
Yield on Low Price 1.35% 1.47% 1.66% 4.20% 4.44% 5.14% 6.86% 6.52% 3.88% 2.38% 2.61% 2.90% 2.75% 4.04% <-Median-> 10 Yield on Low Price
Yield on Close Price 1.14% 1.29% 1.37% 3.58% 4.24% 3.89% 6.86% 3.99% 2.08% 1.79% 2.06% 1.95% 2.15% 2.33% 2.33% 2.83% <-Median-> 10 Yield on Close Price
Payout Ratio EPS 32.73% 25.58% 24.32% 40.48% 78.26% 55.38% 44.44% 39.13% 31.30% 25.35% 23.08% 21.30% 23.67% 19.51% 14.46% 35.22% <-Median-> 10 DPR EPS
DPR EPS 5 Yr Running 35.86% 39.54% 43.67% 48.37% 45.11% 36.36% 30.55% 26.25% 24.19% 22.04% 19.29% 37.95% <-Median-> 8 DPR EPS 5 Yr Running
Payout Ratio CFPS 55.11% 96.94% 131.31% -282.60% 24.23% 41.80% 10.70% 7.39% 25.40% -69.11% -28.86% 35.92% 19.50% #DIV/0! #DIV/0! 17.47% <-Median-> 10 DPR CF
DPR CF 5 Yr Running 64.48% 58.29% 29.16% 17.02% 15.00% 18.02% 23.52% 33.89% 52.60% #DIV/0! #DIV/0! 26.34% <-Median-> 8 DPR CF 5 Yr Running
Payout Ratio CFPS WC 4.36% 4.69% 4.94% 5.48% 5.76% 6.66% 5.90% 6.14% 5.78% 5.02% 4.25% 4.57% 19.50% #DIV/0! #DIV/0! 5.62% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running 5.12% 5.53% 5.74% 5.97% 6.03% 5.85% 5.30% 5.01% 6.18% #DIV/0! #DIV/0! 5.64% <-Median-> 8 DPR CF WC 5 Yr Running
Median Values 5 Yr Med 5 Yr Cl 2.25% 2.06% 5 Yr Med Payout 25.35% 7.39% 5.02% 8.00% <-IRR #YR-> 10 Dividends 115.91%
* Dividends per share 5 Yr Med and Cur. 3.74% 13.18% Last Div Inc ---> $0.13 $0.18 44.0% 5.70% <-IRR #YR-> 5 Dividends 31.94%
-$0.22 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.48
-$0.36 $0.00 $0.00 $0.00 $0.00 $0.48
Historical Dividends Historical High Div 6.76% Low Div 1.07% Ave Div 3.92% Med Div 2.33% Close Div 2.07% Historical Dividends
High/Ave/Median Values Curr diff Exp. -65.54% 117.70% Exp. -40.50% Exp. -0.03% Cheap 12.56% High/Ave/Median
Future Dividend Yield Div Yd 2.97% earning in 5 Years at IRR of 5.00% Div Inc. 27.63% Future Dividend Yield
Future Dividend Yield Div Yd 3.79% earning in 10 Years at IRR of 5.00% Div Inc. 62.89% Future Dividend Yield
Future Dividend Yield Div Yd 4.84% earning in 15 Years at IRR of 5.00% Div Inc. 107.89% Future Dividend Yield
Yield if held 5 yrs 2.26% 2.25% 1.93% 2.56% 3.77% 4.13% 6.24% 8.94% 5.42% 3.51% 2.56% <-Median-> 7 Paid Median Price
Yield if held 10 yrs 2.45% 2.97% 3.57% 5.13% 7.55% 2.71% <-Median-> 2 Paid Median Price
Yield if held 15 yrs #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Yield if held 20 yrs #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Yield if held 25 yrs #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 5 years 9.74% 10.56% 9.55% 12.82% 18.87% 19.37% 25.54% 30.24% 19.64% 14.47% 12.82% <-Median-> 7 Paid Median Price
Cost covered if held 10 years 21.24% 22.72% 21.63% 31.40% 50.00% 21.98% <-Median-> 2 Paid Median Price
Cost covered if held 15 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 20 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 25 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Graham Number $8.73 $11.48 $13.70 $12.49 $9.32 $11.13 $12.25 $13.49 $16.25 $19.21 $22.34 $27.17 $31.08 $35.61 $41.37 136.58% <-Total Growth 10 Graham Number
Price/GP Ratio Med 1.82 1.39 1.36 1.12 1.02 0.85 0.62 0.55 0.82 1.07 0.85 0.78 0.98 0.85 <-Median-> 10 Price/GP Ratio
Price/GP Ratio High 2.12 1.48 1.53 1.60 1.18 1.07 0.81 0.69 1.06 1.35 1.04 0.95 1.17 1.07 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Low 1.53 1.31 1.19 0.65 0.87 0.63 0.43 0.41 0.57 0.79 0.67 0.60 0.78 0.64 <-Median-> 10 Price/GP Ratio
Price/GP Ratio Close 1.81 1.48 1.44 0.76 0.91 0.83 0.43 0.67 1.06 1.04 0.85 0.90 0.99 0.87 0.75 0.87 <-Median-> 10 Price/GP Ratio
Prem/Disc Close 80.92% 48.03% 44.20% -23.96% -8.83% -16.78% -57.14% -33.15% 6.46% 4.42% -15.18% -10.19% -0.54% -13.21% -25.29% -12.69% <-Median-> 10 Graham Price
Month, Year Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Month, Year
Price Close $15.80 $17.00 $19.75 $9.50 $8.50 $9.26 $5.25 $9.02 $17.30 $20.06 $18.95 $24.40 $30.91 $30.91 $30.91 43.53% <-Total Growth 10 Stock Price
Increase 24.70% 7.59% 16.18% -51.90% -10.53% 8.94% -43.30% 71.81% 91.80% 15.95% -5.53% 28.76% 26.68% 0.00% 0.00% 3.68% <-IRR #YR-> 10 Stock Price 43.53%
P/E Ratio 28.73 19.77 17.79 11.31 18.48 14.25 6.48 9.80 15.04 14.13 11.21 10.94 11.00 8.38 6.21 35.97% <-IRR #YR-> 5 Stock Price 364.76%
Trailing P/E Ratio 30.91 22.97 8.56 10.12 20.13 8.08 11.14 18.80 17.44 13.35 14.44 13.86 11.00 8.38 5.49% <-IRR #YR-> 10 Price & Dividend
Median 10, 5 Yrs D. per yr 1.81% 4.31% % Tot Ret 32.94% 10.70% T P/E 14.44 P/E: 12.72 11.21 40.28% <-IRR #YR-> 5 Price & Dividend
Historical Median
-$17.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $24.40
-$5.25 $0.00 $0.00 $0.00 $0.00 $24.40
-$17.00 $0.27 $0.34 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.39 $24.88
-$5.25 $0.36 $0.36 $0.36 $0.39 $24.88
Price H/L Median $15.92 $16.00 $18.64 $14.05 $9.54 $9.45 $7.62 $7.44 $13.29 $20.53 $19.06 $21.16 $30.33 32.22% <-Total Growth 10 Stock Price
Increase 0.53% 16.47% -24.63% -32.08% -0.94% -19.42% -2.30% 78.63% 54.48% -7.16% 10.99% 43.37% 2.83% <-IRR #YR-> 10 Stock Price 32.22%
P/E Ratio 28.94 18.60 16.79 16.72 20.74 14.54 9.40 8.09 11.56 14.46 11.28 9.49 10.79 22.67% <-IRR #YR-> 5 Stock Price 177.81%
Trailing P/E Ratio 29.09 21.67 12.65 11.36 20.54 11.72 9.19 14.45 17.85 13.42 12.52 13.60 4.82% <-IRR #YR-> 10 Price & Dividend
P/E on Running 5 yr Average 12.49 12.05 9.84 10.11 16.65 20.74 15.91 14.27 16.31 26.15% <-IRR #YR-> 5 Price & Dividend
P/E on Running 10 yr Average 23.41 19.23 18.75 23.37 14.50 P/E Ratio Historical Median
Median 10, 5 Yrs D. per yr 1.99% 3.48% % Tot Ret 41.27% 13.30% T P/E 13.42 P/E: 13.01 11.28 Count 12 Years of data
-$16.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $21.16
-$7.62 $0.00 $0.00 $0.00 $0.00 $21.16
-$16.00 $0.27 $0.34 $0.36 $0.36 $0.36 $0.36 $0.36 $0.36 $0.39 $21.63
-$7.62 $0.36 $0.36 $0.36 $0.39 $21.63
High Months Sep Mar May Feb Mar Sep Feb Dec Dec Aug Feb Oct Apr
Price High $18.50 $17.00 $21.00 $19.99 $10.97 $11.90 $9.98 $9.36 $17.30 $25.95 $23.16 $25.91 $36.50 52.41% <-Total Growth 10 Stock Price
Increase -8.11% 23.53% -4.81% -45.12% 8.48% -16.13% -6.21% 84.83% 50.00% -10.75% 11.87% 40.87% 4.30% <-IRR #YR-> 10 Stock Price 52.41%
P/E Ratio 33.64 19.77 18.92 23.80 23.85 18.31 12.32 10.17 15.04 18.27 13.70 11.62 12.99 21.02% <-IRR #YR-> 5 Stock Price 159.62%
Trailing P/E Ratio 30.91 24.42 18.01 13.06 25.87 15.35 11.56 18.80 22.57 16.31 15.33 16.37 18.29 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 16.31 P/E: 16.66 13.70 23.82 P/E Ratio Historical High
-$17.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $25.91
-$9.98 $0.00 $0.00 $0.00 $0.00 $25.91
Low Months Apr Nov Jan Dec May Feb Dec Jan Jun Feb Feb Jan Jan
Price Low $13.33 $15.00 $16.27 $8.10 $8.11 $7.00 $5.25 $5.52 $9.28 $15.11 $14.96 $16.40 $24.16 9.33% <-Total Growth 10 Stock Price
Increase 12.53% 8.47% -50.22% 0.12% -13.69% -25.00% 5.14% 68.12% 62.82% -0.99% 9.63% 47.32% 0.90% <-IRR #YR-> 10 Stock Price 9.33%
P/E Ratio 24.24 17.44 14.66 9.64 17.63 10.77 6.48 6.00 8.07 10.64 8.85 11.07 #DIV/0! 25.58% <-IRR #YR-> 5 Stock Price 212.38%
Trailing P/E Ratio 27.27 18.92 7.30 9.65 15.22 8.08 6.81 10.09 13.14 10.54 9.70 16.30 10.71 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 10.09 P/E: 10.14 8.85 7.43 P/E Ratio Historical Low
-$15.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $16.40
Term loans $119.84 $210.30 $263.29 $276.28 Debt
Change 75.48% 25.20% 4.93% 50.34% <-Median-> 2 Change
Debt/Market Cap Ratio 0.45 0.83 0.81 0.67 0.81 <-Median-> 3 Debt/Market Cap Ratio
Goodwill & Intangibles $10.97 $10.92 $12.73 $19.28 $20.51 $20.60 $21.46 $26.18 $29.49 $30.97 $35.35 $35.62 $36.19 Intangibles Goodwill
Change -0.41% 16.51% 51.50% 6.38% 0.43% 4.19% 21.97% 12.65% 5.03% 14.15% 0.77% 1.58% 9.51% <-Median-> 10 Change
Intangible/Market Cap Ratio 0.07 0.06 0.06 0.19 0.23 0.19 0.34 0.24 0.13 0.12 0.14 0.11 0.09 0.16 <-Median-> 10 Intangible/Market Cap Ratio
Market Cap in $M $156.6 $172.6 $205.0 $99.8 $88.6 $109.7 $62.2 $107.7 $229.9 $267.4 $254.1 $325.1 $411.9 $411.9 $411.9 88.39% <-Total Growth 10 Market Cap
Diluted # of Shares in Million 10.33 10.40 10.55 10.61 10.57 10.52 11.93 12.00 12.31 13.94 14.04 13.91 33.76% <-Total Growth 10 Diluted
Change 2.56% 0.66% 1.47% 0.60% -0.44% -0.46% 13.46% 0.54% 2.58% 13.28% 0.67% -0.92% 0.63% <-Median-> 10 Change
Basic # of Shares in Millions 9.64 10.11 10.30 10.49 10.49 10.49 11.85 12.00 12.24 13.45 13.56 13.56 34.08% <-Total Growth 10 Basic
Change 5.98% 4.86% 1.83% 1.84% 0.03% 0.01% 12.96% 1.27% 2.03% 9.85% 0.83% -0.02% 1.55% <-Median-> 10 Change
Difference 2.81% 0.40% 0.79% 0.19% -0.67% 12.89% 0.00% -0.49% 8.54% -0.88% -1.11% -1.72% -0.25% <-Median-> 10 Difference
$11.472 <-12 mths -34.89%
# of Share in Millions 9.914 10.152 10.378 10.506 10.419 11.842 11.849 11.940 13.289 13.330 13.411 13.325 13.325 13.325 13.325 2.76% <-IRR #YR-> 10 Shares 31.25%
Change 7.91% 2.40% 2.23% 1.23% -0.83% 13.66% 0.06% 0.77% 11.30% 0.31% 0.61% -0.64% 0.00% 0.00% 0.00% 2.38% <-IRR #YR-> 5 Shares 12.46%
Cash Flow from Operations $M $3.2 $2.3 $2.1 -$1.3 $15.5 $10.2 $39.9 $58.2 $18.8 -$6.9 -$18 $18 $45.4 664.71% <-Total Growth 10 Cash Flow
Increase -28.84% -7.38% -159.23% 1324.76% -34.13% 290.76% 45.94% -67.61% -136.86% -160.94% 197.24% 157.89% Why increase decrease
5 year Running Average $4.4 $5.8 $13.3 $24.5 $28.5 $24.0 $18 $14 $11.4 141.04% <-Total Growth 7 CF 5 Yr Running
CFPS $0.33 $0.23 $0.21 -$0.12 $1.49 $0.86 $3.36 $4.87 $1.42 -$0.52 -$1.35 $1.32 $3.41 482.62% <-Total Growth 10 Cash Flow per Share
Increase -30.51% -9.40% -158.51% 1334.99% -42.04% 290.53% 44.83% -70.90% -136.75% -159.37% 197.86% 157.89% 22.56% <-IRR #YR-> 10 Cash Flow 664.71%
5 year Running Average $0.42 $0.53 $1.16 $2.09 $2.40 $2.00 $1.56 $1.15 $0.86 -15.06% <-IRR #YR-> 5 Cash Flow -55.79%
P/CF on Med Price 48.73 70.50 90.63 -116.74 6.42 10.97 2.26 1.53 9.38 -39.41 -14.11 16.00 8.89 19.27% <-IRR #YR-> 10 Cash Flow per Share 482.62%
P/CF on Closing Price 48.38 74.91 96.05 -78.96 5.72 10.75 1.56 1.85 12.20 -38.51 -14.03 18.45 9.06 -17.03% <-IRR #YR-> 5 Cash Flow per Share -60.68%
108.74% Diff M/C 13.68% <-IRR #YR-> 6 CFPS 5 yr Running 115.79%
Excl.Working Capital CF $37.7 $45.4 $54.6 $66.5 $49.7 $53.8 $32.4 $11.9 $64.0 $102.6 $141.1 $120.8 $0.0 -0.20% <-IRR #YR-> 5 CFPS 5 yr Running -0.99%
CF fr Op $M WC $40.9 $47.7 $56.7 $65.2 $65.2 $64.0 $72.2 $70.1 $82.8 $95.6 $123.0 $138.5 $45.4 190.52% <-Total Growth 10 Cash Flow less WC
Increase 16.53% 19.05% 14.92% -0.08% -1.77% 12.87% -3.01% 18.19% 15.50% 28.63% 12.55% -67.18% 11.25% <-IRR #YR-> 10 Cash Flow less WC 190.52%
5 year Running Average $55.1 $59.7 $64.7 $67.3 $70.9 $76.9 $88.8 $102.0 $97.1 13.90% <-IRR #YR-> 5 Cash Flow less WC 91.67%
CFPS Excl. WC $4.13 $4.69 $5.47 $6.21 $6.25 $5.40 $6.10 $5.87 $6.23 $7.17 $9.17 $10.39 $3.41 9.32% <-IRR #YR-> 6 CF less WC 5 Yr Run 70.71%
Increase 13.80% 16.45% 13.52% 0.76% -13.57% 12.81% -3.75% 6.19% 15.14% 27.85% 13.27% -67.18% 9.54% <-IRR #YR-> 5 CF less WC 5 Yr Run 57.73%
5 year Running Average $5.35 $5.60 $5.89 $5.97 $5.97 $6.15 $6.91 $7.77 $7.28 8.27% <-IRR #YR-> 10 CFPS - Less WC 121.34%
P/CF on Median Price 3.86 3.41 3.41 2.26 1.53 1.75 1.25 1.27 2.13 2.86 2.08 2.04 11.25% <-IRR #YR-> 5 CFPS - Less WC 70.44%
P/CF on Closing Price 3.83 3.62 3.61 1.53 1.36 1.71 0.86 1.54 2.78 2.80 2.07 2.35 9.06 5.59% <-IRR #YR-> 6 CFPS 5 yr Running 38.58%
*Operational Cash Flow. CF/-WC P/CF Med 10 yr 4.34 5 yr 1.53 P/CF Med 10 yr 2.06 5 yr 2.08 340.69% Diff M/C 5.71% <-IRR #YR-> 5 CFPS 5 yr Running 31.98%
-$0.23 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.32 Cash Flow per Share
-$3.36 $0.00 $0.00 $0.00 $0.00 $1.32 Cash Flow per Share
-$0.53 $0.00 $0.00 $0.00 $0.00 $0.00 $1.15 CFPS 5 yr Running
-$1.16 $0.00 $0.00 $0.00 $0.00 $1.15 CFPS 5 yr Running
-$47.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $138.5 Cash Flow less WC
-$72.2 $0.0 $0.0 $0.0 $0.0 $138.5 Cash Flow less WC
-$59.7 $0.0 $0.0 $0.0 $0.0 $0.0 $102.0 CF less WC 5 Yr Run
-$64.7 $0.0 $0.0 $0.0 $0.0 $102.0 CF less WC 5 Yr Run
-$4.69 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $10.39 CFPS - Less WC
-$6.10 $0.00 $0.00 $0.00 $0.00 $10.39 CFPS - Less WC
OPM Ratio 3.14% 1.93% 1.49% -0.78% 8.95% 5.64% 21.16% 29.13% 8.61% -2.68% -5.96% 5.07% 163.11% <-Total Growth 10 OPM
Increase -38.64% -22.92% -152.37% 1250.06% -36.95% 275.13% 37.64% -70.44% -131.13% -122.25% 185.14% Should increase or be stable.
Diff from Median -41.4% -64.0% -72.3% -114.5% 67.0% 5.3% 295.1% 443.8% 60.7% -150.0% -211.2% -5.3% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs 5.36% 5 Yrs 5.07% should be zero, it is a check on calculations
Current Assets $54.0 $69.8 $7.7 $13.1 $19.1 $30.3 $41.4 $44.6 $115.2 $19.7 $26.8 $34.7 $40.1 Liquidity ratio of 1.5 and up, best Quick Ratio
Current Liabilities $13.9 $20.4 $30.9 $37.6 $34.4 $36.6 $58.8 $31.0 $35.1 $12.5 $24.3 $34.8 $37.7 0.91 <-Median-> 10 Ratio
Liquidity Ratio 3.89 3.42 0.25 0.35 0.55 0.83 0.70 1.44 3.28 1.57 1.10 1.00 1.06 1.44 <-Median-> 5 Ratio
Liq. with CF aft div 3.99 3.43 0.23 0.32 0.90 0.99 1.31 3.18 3.68 1.13 0.91 1.32 2.03 1.32 <-Median-> 5 Ratio
Liq. CF re Inv+Div 3.45 2.67 0.18 0.22 0.78 0.87 0.71 1.11 1.39 0.29 0.32 0.60 2.03 0.60 <-Median-> 5 Ratio
Assets $77.9 $97.0 $116.3 $138.3 $134.9 $146.3 $159.1 $189.9 $232.9 $319.5 $418.5 $503.1 $526.5 Debt Ratio of 1.5 and up, best Current Ratio
Liabilities $16.8 $27.9 $38.3 $51.5 $47.3 $46.0 $61.6 $84.9 $97.3 $165.5 $242.4 $307.0 $322.9 2.49 <-Median-> 10 Ratio
Debt Ratio 4.64 3.48 3.03 2.68 2.85 3.18 2.58 2.24 2.39 1.93 1.73 1.64 1.63 1.93 <-Median-> 5 Ratio
Book Value $61.1 $69.2 $77.9 $86.8 $87.5 $100.2 $97.5 $105.0 $135.6 $154.0 $176.1 $196.0 $203.6 $203.6 $203.6 183.32% <-Total Growth 10 Book Value
Book Value per share $6.16 $6.82 $7.51 $8.26 $8.40 $8.47 $8.23 $8.80 $10.21 $11.55 $13.13 $14.71 $15.28 $15.28 $15.28 115.85% <-Total Growth 10 Book Value per Share
Change 10.59% 10.20% 9.97% 1.69% 0.79% -2.76% 6.84% 16.05% 13.17% 13.66% 12.06% 3.84% 0.00% 0.00% 40.03% P/B Ratio Current/Historical Median
P/B Ratio (Median) 2.58 2.35 2.48 1.70 1.14 1.12 0.93 0.85 1.30 1.78 1.45 1.44 1.99 1.44 P/B Ratio Historical Median
P/B Ratio (Close) 2.56 2.49 2.63 1.15 1.01 1.09 0.64 1.03 1.70 1.74 1.44 1.66 2.02 2.02 2.02 8.00% <-IRR #YR-> 10 Book Value per Share 115.85%
Change -2.70% 5.42% -56.26% -12.01% 8.09% -41.70% 60.81% 65.27% 2.46% -16.88% 14.90% 21.99% 0.00% 0.00% 12.31% <-IRR #YR-> 5 Book Value per Share 78.71%
Leverage (A/BK) 1.28 1.40 1.49 1.59 1.54 1.46 1.63 1.81 1.72 2.07 2.38 2.57 2.59 2.07 <-Median-> 5 A/BV
Debt/Equity Ratio 0.28 0.40 0.49 0.59 0.54 0.46 0.63 0.81 0.72 1.07 1.38 1.57 1.59 1.07 <-Median-> 5 Debt/Eq Ratio
Shareholders' Equity (Assets less Liabilities) P/BV 10 yr Med 1.37 5 yr Med 1.44 47.68% Diff M/C 1.61 Historical Leverage (A/BK)
-$6.82 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $14.71
-$8.23 $0.00 $0.00 $0.00 $0.00 $14.71
$34 <-12 mths 10.23%
Comprehensive Income $11.69 $8.96 $4.86 $6.87 $9.82 $10.97 $14.63 $20.14 $24.00 $30.96 245.69% <-Total Growth 9 Comprehensive Income
Increase -23.35% -45.75% 41.41% 42.88% 11.77% 33.30% 37.67% 19.21% 28.98% 28.98% <-Median-> 5 Comprehensive Income
5 Yr Running Average $8.44 $8.30 $9.43 $12.48 $15.91 $20.14 11.43% <-IRR #YR-> 9 Comprehensive Income #DIV/0!
ROE 15.0% 10.3% 5.6% 6.9% 10.1% 10.4% 10.8% 13.1% 13.6% 15.8% 25.82% <-IRR #YR-> 5 Comprehensive Income 215.37%
5Yr Median 15.0% 12.7% 10.3% 8.6% 10.1% 10.1% 10.1% 10.4% 10.8% 13.1% 19.00% <-IRR #YR-> 5 5 Yr Running Average #DIV/0!
% Difference from NI 0.00% 0.00% 0.00% 0.00% 2.13% -0.77% 3.13% 1.96% 1.16% -0.29% 19.00% <-IRR #YR-> 5 5 Yr Running Average 138.68%
Median Values Diff 5, 10 yr 0.0% 1.2% 13.1% <-Median-> 5 Return on Equity
-$11.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $31.0
-$9.8 $0.0 $0.0 $0.0 $0.0 $31.0
-$8.4 $0.0 $0.0 $0.0 $0.0 $20.1
-$8.4 $0.0 $0.0 $0.0 $0.0 $20.1
Current Liability Coverage Ratio 0.23 0.11 0.07 -0.03 0.45 0.28 0.68 1.88 0.54 -0.55 -0.75 0.51 CFO / Current Liabilities
5 year Median 0.23 0.17 0.11 0.09 0.11 0.11 0.28 0.45 0.54 0.54 0.54 0.51 0.51 <-Median-> 5 Current Liability Cov Ratio
Asset Efficiency Ratio 0.04 0.02 0.02 -0.01 0.11 0.07 0.25 0.31 0.08 -0.02 -0.04 0.04 CFO / Total Assets
5 year Median 4.2% 3.3% 2.4% 2.1% 2.4% 2.4% 7.0% 11.5% 11.5% 8.1% 8.1% 3.5% 0.04 <-Median-> 5 Return on Assets
Return on Assets ROA 7.3% 9.3% 10.1% 6.5% 3.6% 4.7% 6.0% 5.8% 6.1% 6.2% 5.7% 6.2% Net Income/Assets Return on Assets
5Yr Median 7.3% 8.3% 9.3% 8.3% 7.3% 6.5% 6.0% 5.8% 5.8% 6.0% 6.0% 6.1% 6.1% <-Median-> 5 Asset Efficiency Ratio
Return on Equity ROE 9.3% 13.0% 15.0% 10.3% 5.6% 6.9% 9.9% 10.5% 10.5% 12.8% 13.5% 15.8% Net Inc/ Shareholders' equity Return on Equity
5Yr Median 9.3% 11.1% 13.0% 11.7% 10.3% 10.3% 9.9% 9.9% 9.9% 10.5% 10.5% 12.8% 12.8% <-Median-> 5 Return on Equity
$34 <-12 mths 9.72%
Net Income $5.7 $9.0 $11.7 $8.96 $4.9 $6.9 $9.6 $11.1 $14.2 $19.7 $23.7 $31.0 $38.9 $51.3 245.64% <-Total Growth 10 Net Income
Increase 58.21% 30.08% -23.35% -45.75% 41.41% 39.89% 15.03% 28.26% 39.25% 20.15% 30.85% 25.29% 31.88% EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $8.0 $8.3 $8.4 $8.3 $9.3 $12.3 $16 $20 $25.5 $32.9 13.20% <-IRR #YR-> 10 Net Income 245.64%
Operating Cash Flow $3.2 $2.3 $2.1 -$1.3 $15.5 $10.2 $39.9 $58.2 $18.8 -$6.9 -$18.1 $17.6 26.43% <-IRR #YR-> 5 Net Income 223.02%
Investment Cash Flow -$2.2 -$5.8 -$7.8 -$17.8 -$5.1 -$5.3 -$50.4 -$57.3 -$57.9 -$50.3 -$54.9 -$41.5 13.88% <-IRR #YR-> 7 5 Yr Running Average 141.24%
Total Accruals $4.6 $12.4 $17.4 $28.1 -$5.5 $2.0 $20.2 $10.3 $53.2 $77.0 $96.8 $54.9 18.90% <-IRR #YR-> 5 5 Yr Running Average 137.63%
Total Assets $77.9 $97.0 $116.3 $138.3 $134.9 $146.3 $159.1 $189.9 $232.9 $319.5 $418.5 $503.1 Balance Sheet Assets
Accruals Ratio 5.92% 12.83% 14.94% 20.29% -4.09% 1.34% 12.69% 5.40% 22.85% 24.10% 23.12% 10.92% 22.85% <-Median-> 5 Ratio
EPS/CF Ratio (WC) 0.13 0.18 0.20 0.14 0.07 0.12 0.13 0.16 0.18 0.20 0.18 0.21 0.17 <-Median-> 10 EPS/CF Ratio
-$9.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $31.0
-$9.6 $0.0 $0.0 $0.0 $0.0 $31.0
-$8.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $20.0
-$8.4 $0.0 $0.0 $0.0 $0.0 $20.0
Change in Close 24.70% 7.59% 16.18% -51.90% -10.53% 8.94% -43.30% 71.81% 91.80% 15.95% -5.53% 28.76% 26.68% 0.00% 0.00% Count 15 Years of data
up/down down down down down down down Count 6 40.00%
Meet Prediction? yes % right Count 1 16.67%
Financial Cash Flow -$1.1 $3.5 $5.7 $19.1 -$10.3 -$4.5 $10.7 $2.8 $36.7 $56.1 $83.3 $37.4 C F Statement Financial Cash Flow
Total Accruals $5.7 $9.0 $11.7 $9.0 $4.8 $6.4 $9.5 $7.4 $16.5 $20.9 $13.5 $17.5 Accruals
Accruals Ratio 7.29% 9.26% 10.05% 6.48% 3.57% 4.40% 5.99% 3.92% 7.08% 6.55% 3.23% 3.48% 3.92% <-Median-> 5 Ratio
Yes 0 Yes 0 Yes 0 Yes 0
Cash $0.0 $0.0 $0.0 $0.0 $291.0 $0.7 $1.0 $4.6 $2.3 $1.2 $11.4 $24.9 $24.2 Cash
Cash per Share $0.00 $0.00 $0.00 $0.00 $27.93 $0.06 $0.09 $0.39 $0.18 $0.09 $0.85 $1.87 $1.82 $0.39 <-Median-> 5 Cash per Share
Percentage of Stock Price 0.00% 0.00% 0.00% 0.00% 328.59% 0.67% 1.64% 4.30% 1.01% 0.44% 4.48% 7.67% 5.87% 4.30% <-Median-> 5 % of Stock Price
Notes:
May 29, 2017. Last estimates were for 2016 and 2017 of $351M and $401M for revenue, $2.34 and $3.17 for EPS, $1.00 and $3.41 for CFPS and $33.1M and $44.6M for Net Income.
September 1, 2015. Company changed its name from Easyhome and TSX Symbol EH to Goeasy and Symbol GSY.
Xbox one Console
SAMSUNG 58'' SMART LED TV
Easyfinancial
Pay 46% more in under 3.5 years
Sector:
Consumer Discretionarym Consumer
What should this stock accomplish?
Would I buy this company and Why.
I would not buy this company. There are complains about this company charging interest rates around the legal limit which is 60%. They may go over because of fees.
Also, there are comments about how much it charges for people to buy from them on the installment plan.
For example their SAMSUNG 58'' Smart LED TV is listed at $35 per months for 156 months. This is $5460.00. The Brick and Best Buy have it for $999.99.
I check this online on May 22, 2015.
Dividends
Dividends are paid in cycle 1, that is January, April, July and October. Dividends are declared for shareholders of record one to two months in advance of payment.
For example, the dividend paid on January 4, 2005 was for shareholders of record of November 30.2004.
Misson Statement or closes thing I can find.
What I am looking for is a statement that the company wants to do well by their customers, employees, and community and and thereby earn shareholders a reasonable return.
For customers
For employees
For community
For investors
Why am I following this stock.
In April of 2016 Investment Reporter said to seek stocks with growing dividends from The Investment Reporter Key stock buys.
This is one stock that was named.
How they make their money.
Goeasy Ltd. is the leading full service provider of goods and alternative financial services. Today, Goeasy Ltd. serves its
customers through two key operating divisions, easyhome Leasing and easyfinancial.
Investment Reporter called it a dividend growth stock in the consumer goods sector.
This is not quite the same as pay day loans. They are called installment loans. But interest rates are very high. They are, in a nutshell, unsecured, high-interest, subprime, short-term loans.
All you can say about the interest rate is that it is below 60%, which is at the criminal rate.
See CBC article on this company at link below and another about easyhome.
http://www.cbc.ca/news/business/instalment-loans-the-new-high-interest-danger-for-consumers-1.2971067
http://www.cbc.ca/news/easyhome-pricing-not-transparent-marketplace-1.875939
Shares; '%, Value $M Shares %, Val $M Shares %, Val $M
Date May 22 2016 May 28 2017
Ingram, David 0.361 2.71% 0.376 2.82%
CEO - Shares - Amount $8.809 $11.616
Options - percentage 0.421 3.16% 0.524 3.94%
Reuters Options Value 0.000 $10.262 $16.210
Goertz, Steve 0.069 0.52% 0.075 0.57%
CFO - Shares - Amount $1.689 $2.327
Options - percentage 0.146 1.09% 0.185 1.39%
Options - amount $3.556 $5.714
Johnson, S. William 0.000 0.00% site says he is CEO
CFO - Shares - Amount $0.000
Options - percentage 0.000 0.00%
Options - amount $0.000
Appel, Jason 0.007 0.06% 0.010 0.07%
Officer - Shares - Amount $0.179 $0.299
Options - percentage 0.025 0.19% 0.043 0.32%
Options - amount $0.622 $1.314
Appel, David Harry 0.097 0.73% 0.097 0.73%
Director - Shares - Amount $2.363 $2.994
Options - percentage 0.046 0.35% 0.053 0.40%
Options - amount $1.129 $1.628
Johnson, Donald Kenneth 3.003 22.53% 3.003 22.53%
Chairman - Shares - Amt $73.264 $92.811
Options - percentage 0.056 0.42% 0.059 0.45%
Options - amount $1.376 $1.835
Increase in O/S Shares 0.039 0.29% 0.189 1.43% 0.346 2.60%
Due to SO $0.739 $3.582 $8.442
Book Value $0.403 $1.975 $3.471
Insider Buying -$0.722 -$0.010
Insider Selling $4.040 $0.244
Net Insider Selling $3.318 $0.234
Net Selling % of Market Cap 1.02% 0.06%
Directors 7 7
Women 0 0% 2 29%
Minorities 0 0% 0 0%
Institutions/Holdings 19 41.26% 19 41.26%
Total Shares Held 5.610 42.10% 0.000 0.00%
Increase/Decrease 3 Mths 0.283 5.32% 0.283 -100.00%
Starting No. of Shares 5.327 -0.283
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