goeasy Income Statement

Financials in millions CAD. Fiscal year is January - December.

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	1,244	1,122	888.93	698.15	535.64	409.58
Total Interest Expense	288.02	241.36	162.07	109.53	77.89	55.51
Net Interest Income	955.7	880.46	726.86	588.62	457.75	354.08
Commissions and Fees	323.32	306.06	261.29	217.77	178.71	130.54
Other Revenue	88.53	95.41	99.85	103.41	112.37	112.8
Revenue Before Loan Losses	1,368	1,282	1,088	909.81	748.83	597.42
Provision for Loan Losses	553.55	467.76	341.64	272.89	182.08	135
Revenue	814	814.16	746.36	636.92	566.75	462.42
Revenue Growth (YoY)	1.26%	9.09%	17.18%	12.38%	22.56%	17.34%
Salaries & Employee Benefits	203.49	201.79	200.92	174.24	157.16	136.31
Cost of Services Provided	100.42	91.7	84.83	82.77	72.04	63.48
Other Operating Expenses	58.12	49.51	45.36	44.05	44.1	29.41
Total Operating Expenses	459.29	440.43	430.37	392.41	361.06	301.49
Operating Income	354.71	373.73	315.99	244.51	205.7	160.93
EBT Excluding Unusual Items	329.07	399.03	338.23	246.07	206.28	161.44
Gain (Loss) on Sale of Investments	4.31	3.13	9.77	-28.66	114.88	21.74
Other Unusual Items	-14.37	-14.37	-10.44	-	-	-
Pretax Income	318.51	387.3	336.96	195.78	316.85	183.18
Income Tax Expense	85.65	104.19	89.06	55.62	71.91	46.68
Net Income	232.86	283.11	247.9	140.16	244.94	136.51
Net Income to Common	232.86	283.11	247.9	140.16	244.94	136.51
Net Income Growth	-17.97%	14.20%	76.87%	-42.78%	79.44%	112.13%
Shares Outstanding (Basic)	17	17	17	16	16	15
Shares Outstanding (Diluted)	17	17	17	17	17	16
Shares Change (YoY)	-2.12%	1.46%	2.80%	-0.64%	6.35%	-1.90%
EPS (Basic)	13.94	16.56	14.70	8.61	15.12	9.21
EPS (Diluted)	13.74	16.30	14.48	8.42	14.62	8.76
EPS Growth	-16.19%	12.57%	71.97%	-42.41%	66.82%	109.95%
Free Cash Flow	-657.76	-479.45	-482.45	-515.75	-86.69	60.01
Free Cash Flow Per Share	-38.82	-27.61	-28.18	-30.98	-5.17	3.81
Dividend Per Share	4.680	4.680	3.840	3.640	2.640	1.800
Dividend Growth	-12.36%	21.88%	5.50%	37.88%	46.67%	45.16%
Operating Margin	43.58%	45.90%	42.34%	38.39%	36.29%	34.80%
Profit Margin	28.61%	34.77%	33.21%	22.01%	43.22%	29.52%
Free Cash Flow Margin	-80.81%	-58.89%	-64.64%	-80.98%	-15.30%	12.98%
Effective Tax Rate	26.89%	26.90%	26.43%	28.41%	22.70%	25.48%
Revenue as Reported	1,656	1,523	1,250	1,019	826.72	652.92

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.