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Stock: goeasy Ltd. (TSX: GSY)
Why goeasy Might Be the Most Undervalued Growth Stock in Canada
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goeasy Ltd. (TSX: GSY) is a Canadian financial services company focused on non-prime consumer lending through its easyfinancial brand and leasing services via easyhome. With a combination of strong earnings growth, an attractive dividend, and a deeply discounted valuation relative to its growth profile, goeasy is increasingly catching the attention of long-term investors.
Despite recent volatility, the fundamentals suggest this could be one of the most compelling Canadian growth-and-income stocks available today.
🚀 Major Developments This Week
Share price momentum: GSY gained +3.8% over the last 5 days, significantly outperforming its industry.
Rebound narrative: The stock remains well below its 52-week high of $216.50, but recent price action suggests renewed investor interest.
Capital allocation focus: goeasy continues to emphasize disciplined lending growth, dividend increases, and shareholder returns through buybacks.
📌 Next earnings report: February 12, 2026
📊 Key Stock Metrics
Metric | Value |
|---|---|
Stock Price | $137.51 |
Weekly Move (5-day) | +3.8% 📈 |
Market Cap | $1.58B USD |
P/E Ratio | 10.0 ⭐ |
Forward P/E | 6.7 ⭐⭐⭐ |
52-Week Range | $117.52 – $216.50 |
YTD Return | +4.7% |
Dividend Yield (Forward) | 4.3% 💰 |
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🧠 Analyst Insights & Price Targets
⭐ Consensus Rating: BUY
Analysts remain constructive on goeasy’s long-term outlook, citing strong earnings growth, resilient demand for consumer credit, and an attractive valuation.
Analyst Rating | Count |
|---|---|
⭐⭐⭐⭐ Strong Buy | 5 |
⭐⭐ Buy | 2 |
➖ Hold | 2 |
❌ Sell | 0 |
🚫 Strong Sell | 0 |
Average Target Price: $195.44
Upside Potential: +42.1% 🚀
⭐ Analyst confidence remains high, with no sell ratings and meaningful upside baked into current targets.
📈 Growth Indicators (Why Investors Are Paying Attention)
goeasy stands out for its exceptional growth profile, especially relative to its valuation.
Growth Metric | Estimate |
|---|---|
Sales Growth (Next Year) | +12.7% 🔥 |
EPS Growth (Next Year) | +25.2% 🚀 |
5-Year EPS Growth Estimate | +24.3% ⭐⭐⭐ |
Forward PEG Ratio | 0.3 (deep value territory 👀) |
📌 Few Canadian stocks combine double-digit growth, a single-digit forward P/E, and a 4%+ dividend.
🗞️ Recent News Highlights
Share buyback activity: goeasy reaffirmed its Normal Course Issuer Bid (NCIB), signaling management’s confidence in the company’s valuation.
Earnings performance: Recent quarterly results highlighted stable credit performance and continued loan book expansion.
Industry recognition: goeasy was named among Canada’s Best Companies, reinforcing its operational strength and employer reputation.
💰 Dividend Snapshot
Dividend Metric | Value |
|---|---|
Forward Yield | 4.3% |
Payout Ratio | 39.9% |
5-Year Dividend Growth Avg | 26.5% 🚀 |
Forward Dividend / Share | $5.84 |
💡 The dividend is well-covered, fast-growing, and adds a strong income component to the growth story.
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🧭 Final Takeaway: Is goeasy a Buy?
⭐⭐⭐⭐ Bull Case
Very low valuation vs growth (Forward P/E 6.7)
Strong EPS and revenue expansion
Attractive and growing dividend
Significant upside to analyst targets
⚠️ Risks to Watch
Consumer credit cycles and loan defaults
Higher interest rates impacting borrower affordability
Stock volatility tied to sentiment around non-prime lending
🏁 Bottom Line
goeasy (TSX: GSY) offers a rare combination of growth, income, and value. For investors willing to tolerate some volatility, this stock has the potential to be one of the best Canadian investments of the next decade, especially inside a TFSA.
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The Wealth Awesome Team