goeasy Ltd. (EHMEF)

goeasy Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	1,198	1,122	888.93	698.15	535.64	409.58
Total Interest Expense	270.03	241.36	162.07	109.53	77.89	55.51
Net Interest Income	928.31	880.46	726.86	588.62	457.75	354.08
Commissions and Fees	309.49	306.06	261.29	217.77	178.71	130.54
Other Revenue	90.72	95.41	99.85	103.41	112.37	112.8
Revenue Before Loan Losses	1,329	1,282	1,088	909.81	748.83	597.42
Provision for Loan Losses	517.48	467.76	341.64	272.89	182.08	135
Revenue	811.04	814.16	746.36	636.92	566.75	462.42
Revenue Growth (YoY)	2.11%	9.09%	17.18%	12.38%	22.56%	17.34%
Salaries & Employee Benefits	196.35	201.79	200.92	174.24	157.16	136.31
Cost of Services Provided	98.76	91.7	84.83	82.77	72.04	63.48
Other Operating Expenses	51.55	49.51	45.36	44.05	44.1	29.41
Total Operating Expenses	444.85	440.43	430.37	392.41	361.06	301.49
Operating Income	366.19	373.73	315.99	244.51	205.7	160.93
EBT Excluding Unusual Items	393.48	399.03	338.23	246.07	206.28	161.44
Gain (Loss) on Sale of Investments	10.27	3.13	9.77	-28.66	114.88	21.74
Other Unusual Items	-14.37	-14.37	-10.44	-	-	-
Pretax Income	388.88	387.3	336.96	195.78	316.85	183.18
Income Tax Expense	104.17	104.19	89.06	55.62	71.91	46.68
Net Income	284.71	283.11	247.9	140.16	244.94	136.51
Net Income to Common	284.71	283.11	247.9	140.16	244.94	136.51
Net Income Growth	7.33%	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)	-0.82%	1.46%	2.80%	-0.64%	6.35%	-1.90%
EPS (Basic)	16.87	16.56	14.70	8.61	15.12	9.21
EPS (Diluted)	16.63	16.30	14.48	8.42	14.62	8.76
EPS Growth	8.23%	12.57%	71.97%	-42.41%	66.82%	109.95%
Free Cash Flow	-592.76	-479.45	-482.45	-515.75	-86.69	60.01
Free Cash Flow Per Share	-34.64	-27.61	-28.18	-30.98	-5.17	3.81
Dividend Per Share	5.260	4.680	3.840	3.640	2.640	1.800
Dividend Growth	23.47%	21.88%	5.50%	37.88%	46.67%	45.16%
Operating Margin	45.15%	45.90%	42.34%	38.39%	36.29%	34.80%
Profit Margin	35.10%	34.77%	33.21%	22.01%	43.22%	29.52%
Free Cash Flow Margin	-73.09%	-58.89%	-64.64%	-80.98%	-15.30%	12.98%
Effective Tax Rate	26.79%	26.90%	26.43%	28.41%	22.70%	25.48%
Revenue as Reported	1,599	1,523	1,250	1,019	826.72	652.92

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