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goeasy (GSY) investor relations material
goeasy Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Achieved record quarterly revenue of CAD 440 million (USD 440 million), up 15% year-over-year, driven by strong loan originations of CAD 946 million and robust application volumes across all lending products and channels.
Consumer loan portfolio grew to CAD 5.44 billion, with organic loan book growth of CAD 336 million and applications up 22% year-over-year.
Adjusted diluted EPS was CAD 4.12, down 5% year-over-year, impacted by higher credit loss provisions and macroeconomic weakness; net income fell 61% to CAD 33 million due to a significant non-cash charge.
Maintained a conservative underwriting posture, funding 11% of applications at an average credit score of 624, with additional requirements for auto and powersports loans.
Recognized as a top employer and for community contributions, including raising over CAD 400,000 for charity.
Financial highlights
Revenue reached a record CAD 440 million, up 15% year-over-year, with adjusted operating income at CAD 170 million, up 4%.
Net income for Q3 2025 was CAD 33 million, down 61% year-over-year; adjusted net income was CAD 69 million, down 8%.
Adjusted diluted EPS was CAD 4.12, flat sequentially but down 5% year-over-year.
Adjusted operating margin declined to 38.6% from 42.6% last year, mainly due to lower yield and higher credit loss allowance.
Allowance for credit losses increased to 8.13% from 7.92% sequentially, with total allowance at CAD 442 million.
Outlook and guidance
Q4 loan book growth targeted between CAD 250 million and CAD 275 million, with yield outlook for Q4 set at 30.5%-31.5%.
Net charge-off range for Q4 remains consistent with Q3, projected between 8.75% and 9.75%.
Three-year forecasts to be updated in February, with targets for gross consumer loans receivable of CAD 6.4–6.7 billion by 2026 and CAD 7.35–7.75 billion by 2027.
Management remains confident in long-term business potential despite challenging macroeconomic conditions.
Guidance and targets are subject to change based on evolving business conditions.
Impact of yield/borrowing cost trends on NIM?
Reconcile NCO rate vs. allowance increase?
Rationale for new debt given internal cash flow?
How do borrower assistance tools impact future ACL?
Plan for high cash balance and leverage reduction?
How is product mix adapting to macro conditions?
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Q4 202513 Feb, 2026
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Frequently asked questions
goeasy Ltd. provides nonprime leasing and lending services to consumers in Canada. The company also manages certain customer accounts post-purchase through its Easy Payment Origination (EPO) business segment. It specializes in financing the purchase of major household appliances, furniture, computers, electronics, TVS and home entertainment systems, vacation packages, and travel club memberships through lease financing arrangements.
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