goeasy (GSY) Investor presentation summary

Company overview and market position

• Provides non-prime leasing and lending services through multiple brands, serving over 1.6 million customers across 400+ locations.

• Achieved $18.5B in loan originations and holds $6.2B in total assets as of September 30, 2025.

• Maintains a national footprint with a diverse workforce representing over 90 nationalities.

• Omnichannel model optimizes customer lifetime value, supported by a strong community commitment.

• Over $6.7 million donated to community organizations, including a $1.4 million commitment to address food insecurity.

Product suite and distribution

• Offers a comprehensive range of unsecured and secured loans, including personal, home equity, auto, powersports, retail, and healthcare financing.

• Average loan sizes and interest rates vary by product, with weighted average rates ranging from 9.9% to 34%.

• Value-added ancillary services include loan protection, gap insurance, home & auto benefits, and a credit optimizer.

• Distribution through omnichannel strategy: online, call center, retail, and partnerships with 7,300 dealerships and 4,000 retail merchants.

Financial performance and growth

• Revenue CAGR of 18%+ since 2019, with a 19.4% CAGR since 2014.

• Net income and diluted EPS CAGRs of 30.5% and 27.6% since 2014, respectively.

• Loan book CAGR of 33% and revenue CAGR of 22% since 2019.

• Adjusted net income CAGR of 20% since 2019, with adjusted ROE consistently above 24%.