This report should not be construed as providing investment advice. It is for educational purposes only.  Before making any investment decision, you should always do your own research or consult a investment professional.														Estimates	Estimates	Estimates
While I try to be accurate, I assume no responsibility for any figure in this spreadsheet.														Q1 2024
See my website on stocks or see my blog at the following sites.							https://spbrunner.com/stocks.html				https://spbrunner.blogspot.com/
Goeasy Ltd					TSX	GSY	OTC	EHMEF	https://www. goeasy.com/			Fiscal Yr:	Dec 31
Year	12/31/13	12/31/14	12/31/15	12/30/16	12/31/17	12/31/18	12/31/19	12/31/20	12/31/21	12/31/22	12/31/23	12/31/24	12/31/25	12/31/26	12/31/27	12/31/28		Value	Description	#Y	Item	Total G
Accounting Rules			IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS					Accounting Rules
USD - CDN$	1.0636	1.1601	1.3847	1.3427	1.2545	1.3642	1.2988	1.2732	1.2678	1.3544	1.3226	1.4389	1.3706	1.3996	1.3996	1.3996
Consolidation/Split Date																					Split Date
Consolidation/Split																					Split
Bad Debts		$24.3	$41.9	$55.7	$67.8	$119.0	$156.7	$135.0	$182.1	$272.9	$341.6	$505.0	$883.8	$1,006.0	<-12 mths	13.82%		2007.62%	<-Total Growth	10	Bad Debts
Change			72.82%	32.75%	21.84%	75.42%	31.74%	-13.87%	34.88%	49.87%	25.19%	47.83%	74.99%	13.82%	<-12 mths	-81.57%		33.82%	<-Median->	10	Change
Ratio		0.09	0.14	0.16	0.17	0.24	0.26	0.21	0.22	0.27	0.27	0.33	0.52	0.59	<-12 mths	12.43%		24.61%	<-Median->	10	Ratio
Other Operation Expenses		$143.7	$158.2	$178.0	$197.8	$215.5	$219.5	$236.8	$284.7	$332.7	$345.6	$362.0	$382.9	$384.4	<-12 mths	0.38%		142.06%	<-Total Growth	10	Other Operation Expenses
Change			10.12%	12.51%	11.13%	8.95%	1.85%	7.87%	20.27%	16.85%	3.86%	4.74%	5.79%	0.38%	<-12 mths	-93.40%		8.41%	<-Median->	10	Change
Ratio		0.55	0.52	0.51	0.49	0.43	0.36	0.36	0.34	0.33	0.28	0.24	0.23	0.22	<-12 mths	-0.85%		35.23%	<-Median->	10	Ratio
Total		$167.9	$200.1	$233.7	$265.6	$334.5	$376.2	$371.8	$466.8	$605.6	$687.2	$867.0	$1,266.7	$1,390.3	<-12 mths	9.76%		532.96%	<-Total Growth	10	Total
Change			19.18%	16.75%	13.68%	25.92%	12.48%	-1.19%	25.57%	29.73%	13.47%	26.16%	46.10%	9.76%	<-12 mths	-78.83%		21.16%	<-Median->	10	Change
Ratio		0.65	0.66	0.67	0.66	0.66	0.62	0.57	0.56	0.59	0.55	0.57	0.75	0.81	<-12 mths	8.42%		60.58%	<-Median->	10	Ratio
														$1,718	<-12 mths	1.24%
Revenue*	$218.8	$259.2	$304.3	$347.5	$405.2	$506.2	$609.4	$652.9	$826.7	$1,019.3	$1,250.1	$1,523.3	$1,696.8	$1,591	$1,612	$1,736		457.65%	<-Total Growth	10	Revenue
Increase	9.59%	18.43%	17.41%	14.21%	16.61%	24.92%	20.39%	7.14%	26.62%	23.30%	22.64%	21.86%	11.39%	-6.23%	1.32%	7.69%		18.75%	<-IRR #YR->	10	Revenue	457.65%
5 year Running Average	$192.1	$209.4	$234	$266	$307	$364	$435	$504	$600	$723	$872	$1,054	$1,263	$1,416.1	$1,534.6	$1,631.8		21.05%	<-IRR #YR->	5	Revenue	159.88%
Revenue per Share	$16.47	$19.44	$22.69	$26.08	$30.07	$35.14	$42.48	$44.11	$51.04	$61.98	$75.19	$91.51	$105.88	$99.28	$100.59	$108.32		18.36%	<-IRR #YR->	10	5 yr Running Average	439.74%
Increase	-1.54%	18.07%	16.70%	14.95%	15.30%	16.86%	20.88%	3.85%	15.69%	21.45%	21.31%	21.70%	15.70%	-6.23%	1.32%	7.69%		20.16%	<-IRR #YR->	5	5 yr Running Average	150.52%
5 year Running Average	$16.19	$16.76	$18.24	$20.28	$22.95	$26.68	$31.29	$35.58	$40.57	$46.95	$54.96	$64.77	$77.12	$86.77	$94.49	$101.11		16.65%	<-IRR #YR->	10	Revenue per Share	366.66%
P/S (Price/Sales) Med	0.81	1.06	0.84	0.81	1.02	1.21	1.31	1.39	3.05	2.23	1.68	1.95	1.57	0.84	0.00	0.00		19.14%	<-IRR #YR->	5	Revenue per Share	140.01%
P/S (Price/Sales) Close	1.05	1.03	0.84	0.94	1.24	1.02	1.64	2.19	3.51	1.72	2.10	1.82	1.24	0.40	0.40	0.37		15.51%	<-IRR #YR->	10	5 yr Running Average	322.75%
*Revenue in M CDN $					P/S Med	20 yr	1.13	15 yr	1.21	10 yr	1.48	5 yr	1.95		-72.75%	Diff M/C		16.74%	<-IRR #YR->	5	5 yr Running Average	116.78%
			-$304.3	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$1,696.8
								-$652.9	$0.0	$0.0	$0.0	$0.0	$1,696.8
			-$234.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$1,263.2
								-$504.2	$0.0	$0.0	$0.0	$0.0	$1,263.2
			-$22.69	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$105.88
								-$44.11	$0.00	$0.00	$0.00	$0.00	$105.88
			-$18.24	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$77.12
								-$35.58	$0.00	$0.00	$0.00	$0.00	$77.12
														-$41.26	<-12 mths	-182.35%
														-$2.40	<-12 mths	-179.21%
Adjusted Net Income CDN$	$14.2	$18.6	$23.7	$33.2	$42.2	$53.1	$80.3	$117.6	$174.8	$192.3	$243.2	$290.1	$50.1					111.38%	<-Total Growth	10	Adjusted Net Income CDN$
AEPS* Dilued	$1.15	$1.34	$1.69	$2.38	$2.97	$3.56	$5.17	$7.57	$10.43	$11.55	$14.21	$16.71	$3.03	-$3.40	$6.07	$10.51		79.29%	<-Total Growth	10	AEPS
Increase	32.18%	16.52%	26.12%	40.83%	24.79%	19.87%	45.22%	46.42%	37.78%	10.74%	23.03%	17.59%	-81.87%	-212.21%	278.53%	73.15%		10	0	10	Years of Data, EPS P or N
AEPS Yield	6.65%	6.68%	8.92%	9.75%	7.99%	9.95%	7.43%	7.83%	5.82%	10.85%	8.99%	10.02%	2.31%	-8.48%	15.14%	26.34%		6.01%	<-IRR #YR->	10	AEPS
5 year Running Average	$0.78	$0.95	$1.17	$1.49	$1.91	$2.39	$3.15	$4.33	$5.94	$7.66	$9.79	$12.09	$11.19	$8.42	$7.32	$6.58		-16.73%	<-IRR #YR->	5	AEPS
Payout Ratio	31.30%	26.87%	23.08%	19.96%	22.39%	24.02%	22.34%	21.93%	23.30%	29.35%	26.67%	26.75%	183.17%	-42.94%	0.00%	0.00%		25.31%	<-IRR #YR->	10	5 yr Running Average
5 year Running Average	50.84%	41.21%	33.41%	28.52%	24.72%	23.26%	22.36%	22.13%	22.79%	24.19%	24.72%	25.60%	57.85%	44.60%	38.73%	33.40%		20.90%	<-IRR #YR->	5	5 yr Running Average
Price/AEPS Median	11.56	15.32	11.28	8.89	10.32	11.97	10.79	8.12	14.91	11.95	8.89	10.67	54.88	-24.59	0.00	0.00		10.73	<-Median->	10	Price/AEPS Median
Price/AEPS High	15.04	19.37	13.70	10.89	12.51	15.21	14.00	13.16	20.87	15.57	11.54	12.27	70.88	-40.80	0.00	0.00		13.58	<-Median->	10	Price/AEPS High
Price/AEPS Low	8.07	11.28	8.85	6.89	8.13	8.74	7.57	3.09	8.96	8.34	6.23	9.08	38.88	-8.38	0.00	0.00		8.23	<-Median->	10	Price/AEPS Low
Price/AEPS Close	15.04	14.97	11.21	10.25	12.51	10.05	13.45	12.77	17.18	9.22	11.12	9.98	43.33	-11.79	6.61	3.80		11.82	<-Median->	10	Price/AEPS Close
Trailing P/AEPS Close	19.89	17.44	14.14	14.44	15.61	12.04	19.54	18.69	23.67	10.21	13.68	11.73	7.86	13.23	-11.79	6.57		14.06	<-Median->	10	Trailing P/AEPS Close
Median Values	Historical	in order	11.57	15.57	8.74	12.77	P/CF	5 Yrs	in order	11.95	15.57	8.96	11.12		-198.68%	Diff M/C					DPR 75% to 95% best
* Adjusted Earnings per Share
			-$1.69	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.03
								-$7.57	$0.00	$0.00	$0.00	$0.00	$3.03
			-$1.17	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$11.19
								-$4.33	$0.00	$0.00	$0.00	$0.00	$11.19
														-$5.75	<-12 mths	-2638.10%
Difference Basic/Diluted	0.86%	3.40%	3.43%	2.62%	4.12%	5.82%	5.23%	4.89%	3.31%	2.21%	1.50%	1.57%	0.00%
EPS Basic	$1.16	$1.47	$1.75	$2.29	$2.67	$3.78	$4.40	$9.21	$15.12	$8.61	$14.70	$16.56	-$0.21					-112.00%	<-Total Growth	10	EPS Basic
EPS Diluted*	$1.15	$1.42	$1.69	$2.23	$2.56	$3.56	$4.17	$8.76	$14.62	$8.42	$14.48	$16.30	-$0.21	-$4.78	$4.88			-112.43%	<-Total Growth	10	EPS Diluted
Increase	25.00%	23.48%	19.01%	31.95%	14.80%	39.06%	17.13%	110.07%	66.89%	-42.41%	71.97%	12.57%	-101.29%	-2175.24%	202.07%			9	1	10	Years of Data, EPS P or N	90.00%
Earnings Yield	6.65%	7.08%	8.92%	9.14%	6.89%	9.95%	6.00%	9.06%	8.16%	7.91%	9.16%	9.78%	-0.16%	-11.92%	12.16%			#NUM!	<-IRR #YR->	10	Earnings per Share	-112.43%
5 year Running Average	$0.80	$0.99	$1.20	$1.48	$1.81	$2.29	$2.84	$4.26	$6.73	$7.91	$10.09	$12.52	$10.72	$6.84	$6.13			-15.14%	<-IRR #YR->	5	Earnings per Share	-102.40%
10 year Running Average		$0.88	$0.99	$1.13	$1.27	$1.55	$1.92	$2.73	$4.11	$4.86	$6.19	$7.68	$7.49	$6.79	$7.02			24.50%	<-IRR #YR->	10	5 yr Running Average	277.27%
* Diluted ESP per share									E/P	10 Yrs	8.61%	5Yrs	8.16%					20.30%	<-IRR #YR->	5	5 yr Running Average	151.93%
			-$1.69	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	-$0.21
								-$8.76	$0.00	$0.00	$0.00	$0.00	-$0.21
			-$1.20	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$10.72
								-$4.26	$0.00	$0.00	$0.00	$0.00	$10.72
Dividend*														$0.00	$1.17				Estimates		Dividend*
Increase														-100.00%	#DIV/0!				Estimates		Increase
Payout Ratio EPS														0.00%	23.93%				Estimates		Payout Ratio EPS
Special Dividends	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00		$0.00	<-Median->	10	Special Dividends
Dividend*	$0.36	$0.36	$0.39	$0.48	$0.67	$0.86	$1.16	$1.66	$2.43	$3.39	$3.79	$4.47	$5.55	$1.46	$0.00	$0.00		1323.08%	<-Total Growth	10	Dividends
Increase	0.00%	0.00%	8.33%	21.79%	40.00%	28.57%	35.09%	43.72%	46.39%	39.51%	11.80%	17.94%	24.16%	-73.69%	-100.00%	#DIV/0!		15	0	21	Years of data, Count P, N	71.43%
Average Increases 5 Year Running	1.18%	0.00%	1.67%	6.03%	14.03%	19.74%	26.76%	33.84%	38.75%	38.65%	35.30%	31.87%	27.96%	3.94%	-23.96%	#DIV/0!		29.92%	<-Median->	10	Average Incr 5 Year Running
Dividends 5 Yr Running	$0.36	$0.36	$0.37	$0.39	$0.45	$0.55	$0.71	$0.96	$1.35	$1.90	$2.49	$3.15	$3.93	$3.73	$3.05	$2.30		972.68%	<-Total Growth	10	Dividends 5 Yr Running
Yield H/L Price	2.71%	1.75%	2.05%	2.25%	2.17%	2.01%	2.07%	2.70%	1.56%	2.46%	3.00%	2.51%	3.34%	1.75%				2.35%	<-Median->	10	Yield H/L Price	Item
Yield on High  Price	2.08%	1.39%	1.68%	1.83%	1.79%	1.58%	1.60%	1.67%	1.12%	1.89%	2.31%	2.18%	2.58%	1.05%				1.81%	<-Median->	10	Yield on High  Price	EPS
Yield on Low Price	3.88%	2.38%	2.61%	2.90%	2.75%	2.75%	2.95%	7.10%	2.60%	3.52%	4.28%	2.95%	4.71%	5.12%				2.95%	<-Median->	10	Yield on Low Price	AEPS
Yield on Close Price	2.08%	1.79%	2.06%	1.95%	1.79%	2.39%	1.66%	1.72%	1.36%	3.18%	2.40%	2.68%	4.23%	3.64%	0.00%	0.00%		2.17%	<-Median->	10	Yield on Close Price	CFPS
Payout Ratio EPS	31.30%	25.35%	23.08%	21.30%	25.98%	24.02%	27.70%	18.95%	16.62%	40.26%	26.17%	27.42%	-2642.86%	-30.56%	0.00%	#DIV/0!		25.00%	<-Median->	10	DPR EPS	CFPS WC
DPR EPS 5 Yr Running	45.11%	36.36%	30.55%	26.25%	24.86%	23.95%	24.91%	22.60%	20.09%	24.01%	24.63%	25.15%	36.62%	54.54%	49.79%	#DIV/0!		24.75%	<-Median->	10	DPR EPS 5 Yr Running	FCF
Payout Ratio CFPS	25.40%	-69.11%	-28.86%	35.92%	5.00%	-5.82%	-10.63%	33.02%	-49.91%	-11.02%	-13.31%	-15.85%	-10.41%	-4.08%	#VALUE!	#DIV/0!		-10.52%	<-Median->	10	DPR CF
DPR CF 5 Yr Running	15.00%	18.02%	23.52%	33.89%	15.87%	-142.77%	-28.86%	-81.69%	-56.00%	-16.90%	-17.77%	-18.04%	-13.48%	-10.57%	#VALUE!	#DIV/0!		-17.90%	<-Median->	10	DPR CF 5 Yr Running
Payout Ratio CFPS WC	5.78%	5.02%	4.25%	4.57%	5.47%	5.35%	5.31%	7.22%	9.69%	10.14%	9.33%	8.91%	8.89%	2.23%	#VALUE!	#DIV/0!		8.06%	<-Median->	10	DPR CF WC
DPR CF WC 5 Yr Running	6.03%	5.85%	5.30%	5.01%	4.99%	5.00%	5.10%	5.78%	6.90%	7.96%	8.64%	9.14%	9.27%	7.40%	#VALUE!	#DIV/0!		6.34%	<-Median->	10	DPR CF WC 5 Yr Running
Median Values	10 Yr Med	10 Yr Cl	2.35%	2.17%	5 Yr Med	5 Yr Cl	2.51%	2.68%	5 Yr Med	Payout	26.17%	-13.31%	9.33%					27.30%	<-IRR #YR->	5	Dividends	234.34%
* Dividends per share	10 Yr Med	and Cur.	-100.00%	-100.00%	5 Yr Med	and Cur.	-100.00%	-100.00%	Last Div Inc --->		$1.17	$1.46	24.79%					30.41%	<-IRR #YR->	10	Dividends	1323.08%
Dividends Growth 15																		20.01%	<-IRR #YR->	15	Dividends	1441.67%
Dividends Growth 20																		18.52%	<-IRR #YR->	19	Dividends
Dividends Growth 25																		21.13%	<-IRR #YR->	20	Dividends
Dividends Growth 5								-$1.66	$0.00	$0.00	$0.00	$0.00	$5.55								Dividends Growth 5
Dividends Growth 10			-$0.39	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$5.55								Dividends Growth 10
Dividends Growth 15	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$5.55								Dividends Growth 15
Dividends Growth 20	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$5.55								Dividends Growth 20
Dividends Growth 25	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$5.55								Dividends Growth 25
Historical Dividends	Historical	High Div	6.79%	Low Div	1.15%	10 Yr High	6.86%	10 Yr Low	1.16%	Med Div	2.42%	Close Div	2.08%								Historical Dividends
High/Ave/Median Values	Curr diff	Exp.	-100.00%	Exp	-100.00%	Exp.	-100.00%		-100.00%	Exp.	-100.00%	Exp.	-100.00%								High/Ave/Median
Future Dividend Yield					Div Yield	0.00%	earning in	5	Years	at IRR of	27.30%	Div Inc.	#DIV/0!								Future Dividend Yield
Future Dividend Yield					Div Yield	0.00%	earning in	10	Years	at IRR of	27.30%	Div Inc.	#DIV/0!								Future Dividend Yield	Yr
Future Dividend Yield					Div Yield	0.00%	earning in	15	Years	at IRR of	27.30%	Div Inc.	#DIV/0!								Future Dividend Yield	5
																						5
Future Dividend Paid					Div Paid	$0.00	earning in	5	Years	at IRR of	27.30%	Div Inc.	#DIV/0!								Future Dividend Paid	5
Future Dividend Paid					Div Paid	$0.00	earning in	10	Years	at IRR of	27.30%	Div Inc.	#DIV/0!								Future Dividend Paid	5
Future Dividend Paid					Div Paid	$0.00	earning in	15	Years	at IRR of	27.30%	Div Inc.	#DIV/0!								Future Dividend Paid	5
																						5
Dividend Covering Cost					Total Div	$0.00	over	5	Years	at IRR of	27.30%	Div Cov.	0.00%								Dividend Covering Cost	5
Dividend Covering Cost					Total Div	$0.00	over	10	Years	at IRR of	27.30%	Div Cov.	0.00%								Dividend Covering Cost
Dividend Covering Cost					Total Div	$0.00	over	15	Years	at IRR of	27.30%	Div Cov.	0.00%								Dividend Covering Cost	10
																						10
Yield if held 5 years	2.56%	3.77%	4.13%	6.24%	8.94%	6.43%	5.63%	8.71%	11.49%	11.06%	8.89%	8.02%	9.03%	0.94%	0.00%	0.00%		8.80%	<-Median->	10	Paid Median Price	10
Yield if held 10 years	6.86%	3.83%	2.45%	2.97%	3.57%	6.09%	12.11%	17.57%	31.91%	45.56%	28.52%	21.77%	29.12%	6.90%	0.00%	0.00%		19.67%	<-Median->	10	Paid Median Price	10
Yield if held 15 years				20.37%	15.97%	16.29%	12.30%	10.43%	15.19%	18.19%	26.98%	46.86%	58.73%	19.17%	0.00%	0.00%		17.24%	<-Median->	10	Paid Median Price	10
Yield if held 20 years									104.22%	81.42%	72.19%	47.61%	34.87%	9.13%	0.00%	0.00%		72.19%	<-Median->	5	Paid Median Price	10
Yield if held 25 years														62.62%	0.00%	0.00%		#NUM!	<-Median->	0	Paid Median Price	10
Cost covered if held 5 years	12.82%	18.87%	19.37%	25.54%	30.24%	20.65%	17.24%	25.24%	31.98%	30.96%	29.15%	28.23%	31.92%	12.00%	11.06%	9.09%		28.69%	<-Median->	10	Paid Median Price
Cost covered if held 10 years	55.64%	33.98%	21.24%	22.72%	21.63%	32.36%	55.97%	70.26%	114.38%	157.80%	114.15%	93.91%	128.23%	120.18%	80.77%	56.08%		82.09%	<-Median->	10	Paid Median Price
Cost covered if held 15 years				177.81%	115.55%	107.92%	71.68%	51.46%	65.00%	72.55%	120.83%	220.96%	277.99%	359.42%	363.04%	200.53%		111.74%	<-Median->	10	Paid Median Price
Cost covered if held 20 years									467.95%	343.49%	344.59%	239.34%	174.80%	181.63%	154.49%	202.56%		343.49%	<-Median->	5	Paid Median Price
Cost covered if held 25 years														1264.34%	708.06%	561.52%		#NUM!	<-Median->	0	Paid Median Price
																				Yr	Item	Tot. Growth
Revenue Growth								$652.9	$826.7	$1,019.3	$1,250.1	$1,523.3	$1,696.8	$1,718	<-12 mths	1.24%		159.88%	<-Total Growth	5	Revenue Growth	159.88%
AEPS Growth								$7.57	$10.43	$11.55	$14.21	$16.71	$3.03	-$2.40	<-12 mths	-179.21%		-59.97%	<-Total Growth	5	AEPS Growth	-59.97%
Net Income Growth								$136.5	$244.9	$140.2	$247.9	$283.1	-$178.4	-$271	<-12 mths	-51.80%		0.00%	<-Total Growth	5	Net Income Growth	0.00%
Cash Flow Growth								$74.4	-$78.9	-$505.9	-$473.2	-$469.4	-$854.6	-$573	<-12 mths	32.93%		0.00%	<-Total Growth	5	Cash Flow Growth	0.00%
Cash Flow Growth Excl. WC								$340.1	$406.3	$549.8	$675.3	$835.4	$1,000.0	$1,049	<-12 mths	4.94%		194.00%	<-Total Growth	5	CF Growth Excl. WC	194.00%
Dividend Growth								$1.66	$2.43	$3.39	$3.79	$4.47	$5.55	$1.46	<-12 mths	-73.69%		234.34%	<-Total Growth	5	Dividend Growth	234.34%
Stock Price Growth								$96.65	$179.21	$106.45	$158.06	$166.71	$131.29	$40.10	<-12 mths	-69.46%		35.84%	<-Total Growth	5	Stock Price Growth	35.84%
Revenue Growth		$259.2	$304.3	$347.5	$405.2	$506.2	$609.4	$652.9	$826.7	$1,019.3	$1,250.1	$1,523.3	$1,696.8	$1,591	<-this year	-6.23%		457.65%	<-Total Growth	10	Revenue Growth	457.65%
AEPS Growth		$1.34	$1.69	$2.38	$2.97	$3.56	$5.17	$7.57	$10.43	$11.55	$14.21	$16.71	$3.03	-$3.40	<-this year	-212.21%		79.29%	<-Total Growth	10	AEPS Growth	79.29%
Net Income Growth		$19.7	$23.7	$31.0	$36.1	$53.1	$44.3	$136.5	$244.9	$140.2	$247.9	$283.1	-$178.4	-$109	<-this year	38.84%		0.00%	<-Total Growth	10	Net Income Growth	0.00%
Cash Flow Growth		-$6.9	-$18.1	$17.6	$179.4	-$211.5	-$155.9	$74.4	-$78.9	-$505.9	-$473.2	-$469.4	-$854.6	-$573	<-this year	32.93%		0.00%	<-Total Growth	10	Cash Flow Growth	0.00%
Cash Flow Growth Excl. WC		$95.6	$123.0	$138.5	$163.8	$230.3	$312.3	$340.1	$406.3	$549.8	$675.3	$835.4	$1,000.0					712.86%	<-Total Growth	10	CF Growth Excl. WC	712.86%
Dividend Growth		$0.36	$0.39	$0.48	$0.67	$0.86	$1.16	$1.66	$2.43	$3.39	$3.79	$4.47	$5.55	$0.00	<-this year	-100.00%		1323.08%	<-Total Growth	10	Dividend Growth	1323.08%
Stock Price Growth		$20.06	$18.95	$24.40	$37.15	$35.77	$69.55	$96.65	$179.21	$106.45	$158.06	$166.71	$131.29	$40.10	<-this year	-69.46%		592.82%	<-Total Growth	10	Stock Price Growth	592.82%
Dividends on Shares				$25.18	$35.25	$45.32	$61.22	$87.98	$128.79	$179.67	$200.87	$236.91	$294.15	$77.38	$0.00	$0.00		$1,295.32	No of Years	10	Total Dividends	12/31/15
Paid			$1,004.35	$1,293.20	$1,968.95	$1,895.81	$3,686.15	$5,122.45	$9,498.13	$5,641.85	$8,377.18	$8,835.63	$6,958.37	$2,125.30	$2,125.30	$2,114.70		$6,958.37	No of Years	10	Share Value	$18.95
Total																		$8,253.69			Total Return
Dividends on Shares									$26.73	$37.29	$41.69	$49.17	$61.05	$16.06	$0.00	$0.00		$215.93	No of Years	5	Total Dividends	12/31/20
Paid								$1,063.15	$1,971.31	$1,170.95	$1,738.66	$1,833.81	$1,444.19	$165.44	$160.44	#DIV/0!		$1,444.19	No of Years	5	Share Value	$96.65
Total								-$1,063.15	$0.00	$0.00	$0.00	$0.00	$1,444.19	6.32%				$1,660.12			Total Return
								-$1,063.15	$26.73	$37.29	$41.69	$49.17	$1,505.24	9.81%
Graham Number AEPS	$16.25	$18.66	$22.34	$28.07	$33.40	$40.73	$51.67	$71.44	$106.97	$117.23	$142.38	$164.71	$60.15	$82.63	$82.63	$108.73		169.21%	<-Total Growth	10	Graham Number AEPS
Price/GP Ratio Med	0.82	1.10	0.85	0.75	0.92	1.05	1.08	0.86	1.45	1.18	0.89	1.08	2.76	1.01				1.06	<-Median->	10	Price/GP Ratio
Price/GP Ratio High	1.06	1.39	1.04	0.92	1.11	1.33	1.40	1.39	2.03	1.53	1.15	1.24	3.57	1.68				1.36	<-Median->	10	Price/GP Ratio
Price/GP Ratio Low	0.57	0.81	0.67	0.58	0.72	0.76	0.76	0.33	0.87	0.82	0.62	0.92	1.96	0.34				0.76	<-Median->	10	Price/GP Ratio
Price/GP Ratio Close	1.06	1.07	0.85	0.87	1.11	0.88	1.35	1.35	1.68	0.91	1.11	1.01	2.18	0.49	0.49	0.37		1.11	<-Median->	10	Price/GP Ratio
Prem/Disc Close	6.46%	7.49%	-15.18%	-13.07%	11.21%	-12.17%	34.62%	35.29%	67.53%	-9.20%	11.01%	1.22%	118.28%	-51.47%	-51.47%	-63.30%		11.11%	<-Median->	10	Graham Price
Graham Number EPS	$16.25	$19.21	$22.34	$27.17	$31.01	$40.73	$46.40	$76.85	$126.65	$100.09	$143.72	$162.67	$139.50	$74.07	$74.07	$0.00		524.39%	<-Total Growth	10	Graham Number EPS
Price/GP Ratio Med	0.82	1.07	0.85	0.78	0.99	1.05	1.20	0.80	1.23	1.38	0.88	1.10	1.19	1.13				1.07	<-Median->	10	Price/GP Ratio
Price/GP Ratio High	1.06	1.35	1.04	0.95	1.20	1.33	1.56	1.30	1.72	1.80	1.14	1.26	1.54	1.87				1.31	<-Median->	10	Price/GP Ratio
Price/GP Ratio Low	0.57	0.79	0.67	0.60	0.78	0.76	0.84	0.30	0.74	0.96	0.62	0.93	0.84	0.38				0.77	<-Median->	10	Price/GP Ratio
Price/GP Ratio Close	1.06	1.04	0.85	0.90	1.20	0.88	1.50	1.26	1.41	1.06	1.10	1.02	0.94	0.54	0.54	#DIV/0!		1.08	<-Median->	10	Price/GP Ratio
Prem/Disc Close	6.46%	4.42%	-15.18%	-10.19%	19.79%	-12.17%	49.89%	25.76%	41.50%	6.35%	9.97%	2.48%	-5.89%	-45.86%	-45.86%	#DIV/0!		8.16%	<-Median->	10	Graham Price
Month, Year	Dec-13	Dec-14	Dec-15	Dec-16	Dec-17	Dec-18	Dec-19	Dec-20	Dec-21	Dec-22	Dec-23	Dec-24	Dec-25	Dec-26	Dec-27	Dec-28		30.00	<Count Years>		Month, Year
Pre-Consolidation 2002
Pre-Split 2005
Price Close	$17.30	$20.06	$18.95	$24.40	$37.15	$35.77	$69.55	$96.65	$179.21	$106.45	$158.06	$166.71	$131.29	$40.10	$40.10	$39.90		592.82%	<-Total Growth	10	Stock Price
Increase	91.80%	15.95%	-5.53%	28.76%	52.25%	-3.71%	94.44%	38.96%	85.42%	-40.60%	48.48%	5.47%	-21.25%	-69.46%	0.00%	-0.50%		12.42	<-Median->	10	CAPE (10 Yr P/E)
P/E Ratio	15.04	14.13	11.21	10.94	14.51	10.05	16.68	11.03	12.26	12.64	10.92	10.23	-625.19	-8.39	8.22	#DIV/0!		6.32%	<-IRR #YR->	5	Stock Price	35.84%
Trailing P/E Ratio	18.80	17.44	13.35	14.44	16.66	13.97	19.54	23.18	20.46	7.28	18.77	11.51	8.05	-190.95	-8.39	8.18		21.36%	<-IRR #YR->	10	Stock Price	592.82%
CAPE (10 Yr P/E)		14.99	13.58	12.59	12.52	12.02	12.88	12.25	12.37	12.46	12.05	11.63	13.42	15.04	14.59	#DIV/0!		9.81%	<-IRR #YR->	5	Price & Dividend	57.87%
Median 10, 5 Yrs		D.  per yr	4.07%	3.50%	% Tot Ret	16.02%	35.62%	T P/E	15.55	11.51	P/E:	10.99	10.92					25.43%	<-IRR #YR->	10	Price & Dividend	723.85%
Price 15		D.  per yr	3.42%		% Tot Ret	15.04%						CAPE Diff	-167.60%					19.34%	<-IRR #YR->	15	Stock Price	1317.82%
Price  20		D.  per yr	2.38%		% Tot Ret	17.59%												11.17%	<-IRR #YR->	20	Stock Price	730.95%
Price  25		D.  per yr	2.48%		% Tot Ret	12.06%												18.06%	<-IRR #YR->	25	Stock Price	6252.74%
Price  30		D.  per yr	0.82%		% Tot Ret	11.20%												6.53%	<-IRR #YR->	30	Stock Price
Price & Dividend 15																		22.76%	<-IRR #YR->	15	Price & Dividend	1639.67%
Price & Dividend 20																		13.55%	<-IRR #YR->	20	Price & Dividend	932.46%
Price & Dividend 25																		20.54%	<-IRR #YR->	25	Price & Dividend	77.933097
Price & Dividend 30																		7.36%	<-IRR #YR->	30	Price & Dividend
Price  5								-$96.65	$0.00	$0.00	$0.00	$0.00	$131.29								Price  5
Price 10			-$18.95	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$131.29								Price 10
Price & Dividend 5								-$96.65	$2.43	$3.39	$3.79	$4.47	$136.84								Price & Dividend 5
Price & Dividend 10			-$18.95	$0.48	$0.67	$0.86	$1.16	$1.66	$2.43	$3.39	$3.79	$4.47	$136.84								Price & Dividend 10
Price 15	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$131.29								Price 15
Price  20	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$131.29								Price  20
Price  25	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$131.29								Price  25
Price  30	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$131.29								Price  30
Price & Dividend 15	$0.36	$0.36	$0.39	$0.48	$0.67	$0.86	$1.16	$1.66	$2.43	$3.39	$3.79	$4.47	$136.84								Price & Dividend 15
Price & Dividend 20	$0.36	$0.36	$0.47	$0.69	$1.07	$1.14	$1.51	$2.10	$2.89	$3.79	$3.91	$4.65	$136.84								Price & Dividend 20
Price & Dividend 25	$0.36	$0.36	$0.45	$0.61	$0.85	$0.83	$1.06	$1.40	$1.82	$2.29	$2.60	$3.33	$136.84								Price & Dividend 25
Price & Dividend 30	$0.36	$0.36	$0.45	$0.61	$0.85	$0.83	$1.06	$1.40	$1.82	$2.29	$2.60	$3.33	$136.84								Price & Dividend 30
Price H/L Median	$13.29	$20.53	$19.06	$21.16	$30.66	$42.63	$55.76	$61.49	$155.55	$138.05	$126.27	$178.34	$166.29	$83.61				772.43%	<-Total Growth	10	Stock Price
Increase	78.63%	54.48%	-7.16%	10.99%	44.91%	39.05%	30.82%	10.28%	152.96%	-11.25%	-8.54%	41.24%	-6.76%	-49.72%				24.19%	<-IRR #YR->	10	Stock Price	772.43%
P/E Ratio	11.56	14.46	11.28	9.49	11.97	11.97	13.37	7.02	10.64	16.40	8.72	10.94	-791.83	-17.50				22.01%	<-IRR #YR->	5	Stock Price	170.43%
Trailing P/E Ratio	14.45	17.85	13.42	12.52	13.75	16.65	15.66	14.75	17.76	9.44	15.00	12.32	10.20	-398.14				27.82%	<-IRR #YR->	10	Price & Dividend
P/E on Running 5 yr Average	16.65	20.74	15.91	14.27	16.94	18.60	19.62	14.45	23.10	17.46	12.51	14.25	15.51	12.22				26.15%	<-IRR #YR->	5	Price & Dividend
P/E on Running 10 yr Average		23.41	19.23	18.75	24.08	27.59	29.10	22.55	37.86	28.42	20.39	23.22	22.20	12.32				11.97	P/E Ratio		Historical Median
Median 10, 5 Yrs		D.  per yr	3.63%	4.14%	% Tot Ret	13.05%	15.83%	T P/E	14.25	12.32	P/E:	10.79	10.64						Count	24	Years of data
			-$19.06	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$166.29
								-$61.49	$0.00	$0.00	$0.00	$0.00	$166.29
			-$19.06	$0.48	$0.67	$0.86	$1.16	$1.66	$2.43	$3.39	$3.79	$4.47	$171.84
								-$61.49	$2.43	$3.39	$3.79	$4.47	$171.84
High Months	Dec	Aug	Feb	Oct	Dec	Sep	Dec	Dec	Sep	Jan	Dec	Jul	Sep	Jan
Price High	$17.30	$25.95	$23.16	$25.91	$37.15	$54.13	$72.39	$99.59	$217.67	$179.83	$163.98	$205.00	$214.77	$138.72				827.33%	<-Total Growth	10	Stock Price
Increase	84.83%	50.00%	-10.75%	11.87%	43.38%	45.71%	33.73%	37.57%	118.57%	-17.38%	-8.81%	25.02%	4.77%	-35.41%				24.95%	<-IRR #YR->	10	Stock Price	827.33%
P/E Ratio	15.04	18.27	13.70	11.62	14.51	15.21	17.36	11.37	14.89	21.36	11.32	12.58	-1022.71	-29.03				16.61%	<-IRR #YR->	5	Stock Price	115.65%
Trailing P/E Ratio	18.80	22.57	16.31	15.33	16.66	21.14	20.33	23.88	24.85	12.30	19.48	14.16	13.18	-660.57				15.04	P/E Ratio		Historical Median
Median 10, 5 Yrs								T P/E	18.07	14.16	P/E:	13.54	12.58					20.72	P/E Ratio		Historical High
			-$23.16	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$214.77
								-$99.59	$0.00	$0.00	$0.00	$0.00	$214.77
Low Months	Jun	Feb	Feb	Jan	Jan	Dec	Jan	Mar	Jan	Jul	May	Jan	Nov	May
Price Low	$9.28	$15.11	$14.96	$16.40	$24.16	$31.12	$39.13	$23.39	$93.42	$96.27	$88.55	$151.68	$117.80	$28.50				687.43%	<-Total Growth	10	Stock Price
Increase	68.12%	62.82%	-0.99%	9.63%	47.32%	28.81%	25.74%	-40.22%	299.40%	3.05%	-8.02%	71.29%	-22.34%	-75.81%				22.92%	<-IRR #YR->	10	Stock Price	687.43%
P/E Ratio	8.07	10.64	8.85	7.35	9.44	8.74	9.38	2.67	6.39	11.43	6.12	9.31	-560.95	-5.96				38.17%	<-IRR #YR->	5	Stock Price	403.63%
Trailing P/E Ratio	10.09	13.14	10.54	9.70	10.83	12.16	10.99	5.61	10.66	6.58	10.52	10.48	7.23	2.66				9.31	P/E Ratio		Historical Median
Median 10, 5 Yrs								T P/E	10.50	10.48	P/E:	8.05	6.39					6.23	P/E Ratio		Historical Low
			-$14.96	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$117.80
								-$23.39	$0.00	$0.00	$0.00	$0.00	$117.80
Diff	8.76%	8.21%	-7.60%	1.24%	8.75%	0.08%	-3.17%	-0.25%	0.16%	4.63%	0.59%	1.10%	-0.09%	-2.84%	-2.84%	-3.33%
US$ using CDN$	$16.27	$17.29	$13.68	$18.17	$29.61	$26.22	$53.55	$75.91	$141.36	$78.60	$119.51	$115.86	$95.79	$28.65	$28.65	$28.51
Price Close US$	$14.96	$15.98	$14.81	$17.95	$27.23	$26.20	$55.30	$76.10	$141.13	$75.12	$118.81	$114.60	$95.88	$29.49	$29.49	$29.49		547.40%	<-Total Growth	10	Stock Price US$
Increase	62.92%	6.85%	-7.32%	21.20%	51.70%	-3.78%	111.07%	37.61%	85.45%	-46.77%	58.17%	-3.54%	-16.34%	-69.24%	0.00%	0.00%		20.54%	<-IRR #YR->	10	Stock Price	547.40%
P/E Ratio	13.83	13.06	12.13	10.81	13.34	10.04	17.22	11.06	12.24	12.08	10.85	10.12	-625.78	-8.64	8.46	#DIV/0!		4.73%	<-IRR #YR->	5	Stock Price	25.99%
Trailing P/E Ratio	16.17	14.78	12.10	14.71	16.40	12.84	21.19	23.70	20.51	6.51	19.11	10.47	8.46	-192.47	-8.64	8.46		24.59%	<-IRR #YR->	10	Price & Dividend
Median 10, 5 Yrs		D.  per yr	-15.81%	3.39%	% Tot Ret	-64.27%	41.73%	T P/E	15.55	10.47	P/E:	10.96	10.85					8.12%	<-IRR #YR->	5	Price & Dividend
Price 15		D.  per yr	3.36%		% Tot Ret	16.06%												17.55%	<-IRR #YR->	15	Stock Price
Price  20																		15.73%	<-IRR #YR->	17	Stock Price
Price & Dividend 15																		20.91%	<-IRR #YR->	15	Price & Dividend
Price & Dividend 20																		18.88%	<-IRR #YR->	17	Price & Dividend
Price  5			-$14.81	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$95.88								Price  5
Price 10								-$76.10	$0.00	$0.00	$0.00	$0.00	$95.88								Price 10
Price & Dividend 5			-$14.81	$0.35	$0.53	$0.63	$0.89	$1.30	$1.92	$2.50	$2.87	$3.11	$99.93								Price & Dividend 5
Price & Dividend 10								-$76.10	$1.92	$2.50	$2.87	$3.11	$99.93								Price & Dividend 10
Price 15	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$95.88								Price 15
Price  20	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$95.88								Price  20
Price & Dividend 15	$0.34	$0.31	$0.28	$0.35	$0.53	$0.63	$0.89	$1.30	$1.92	$2.50	$2.87	$3.11	$99.93								Price & Dividend 15
Price & Dividend 20	$0.34	$0.31	$0.28	$0.35	$0.53	$0.63	$0.89	$1.30	$1.92	$2.50	$2.87	$3.11	$99.93								Price & Dividend 20
Free Cash Flow  Mkt Sc																			none
Change
Free Cash Flow  WSJ			-$69.42	-$26.57	-$95.33	$183.06	$250.98	$306.83	$398.13	$484.87	$679.42	$945.51	$806.69					1262.11%	<-Total Growth	10	Free Cash Flow  WSJ	WSJ to '20
Change				61.72%	-258.80%	292.02%	37.11%	22.25%	29.75%	21.79%	40.13%	39.16%	-14.68%					33.43%	<-Median->	10	Change
														-$565	<-12 mths	20.74%
Free Cash Flow MS old			-$74.23	$104.36	-$101.47	-$228.39	-$172.73	$45.74	-$106.32	-$534.00	-$491.00
Change				240.59%	-197.23%	-125.08%	24.37%	126.48%	-332.44%	-402.26%	8.05%
Free Cash Flow MS	-$41.82	-$68.35	$64.77	-$46.18	$109.65	-$230.24	-$156.60	$28.18	-$139.55	-$513.52	-$534.05	-$595.61	-$713.39					-1201.42%	<-Total Growth	10	Free Cash Flow	MS
Change				-171.30%	337.44%	-309.98%	31.98%	117.99%	-595.21%	-267.98%	-4.00%	-11.53%	-19.77%					#NUM!	<-IRR #YR->	5	Free Cash Flow MS	-2631.55%
FCF/CF from Op Ratio			-3.57	-2.62	0.61	1.09	1.00	0.38	1.77	1.02	1.13	1.27	0.83					#NUM!	<-IRR #YR->	10	Free Cash Flow MS	-1201.42%
Dividends paid	$4.06	$4.53	$5.16	$6.37	$8.90	$11.68	$16.65	$23.89	$37.47	$51.61	$60.95	$72.77	$83.34					1513.83%	<-Total Growth	10	Dividends paid
Percentage paid			7.97%	-13.80%	8.12%	-5.07%	-10.63%	84.77%	-26.85%	-10.05%	-11.41%	-12.22%	-11.68%					-$0.11	<-Median->	10	Percentage paid
5 Year Coverage							-18.86%	-22.87%	-25.38%	-13.97%	-14.49%	-14.06%	-12.26%								5 Year Coverage
Dividend Coverage Ratio			12.54	-7.25	12.32	-19.71	-9.40	1.18	-3.72	-9.95	-8.76	-8.18	-8.56					-8.37	<-Median->	10	Dividend Coverage Ratio
5 Year of Coverage							-5.30	-4.37	-3.94	-7.16	-6.90	-7.11	-8.15								5 Year of Coverage
								-$28	$0	$0	$0	$0	-$713
			-$65	$0	$0	$0	$0	$0	$0	$0	$0	$0	-$713
Market Cap in $M	$229.9	$267.4	$254.1	$325.1	$500.6	$515.3	$997.8	$1,430.5	$2,903.0	$1,750.6	$2,627.7	$2,775.1	$2,104.1	$642.6	$642.6	$639.4		727.92%	<-Total Growth	10	Market Cap
Diluted # of Shares in Million	12.31	13.94	14.04	13.91	14.81	15.67	16.06	15.76	16.76	16.65	14.48	17.37	16.54	17.01				17.83%	<-Total Growth	10	Diluted
Change	2.58%	13.28%	0.67%	-0.92%	6.45%	5.85%	2.50%	-1.90%	6.35%	-0.64%	-13.03%	19.93%	-4.76%	2.82%				0.93%	<-Median->	10	Change
Difference Diluted/Basic	-0.54%	-3.55%	-3.39%	-2.52%	-8.52%	-10.38%	3.57%	-5.97%	-3.32%	-2.25%	18.21%	-1.57%	0.00%	-1.24%				-2.38%	<-Median->	10	Difference Diluted/Basic
Basic # of Shares in Millions	12.24	13.45	13.56	13.56	13.54	14.05	16.64	14.82	16.20	16.28	17.12	17.09	16.54	16.80				21.97%	<-Total Growth	10	Basic
Change	2.03%	9.85%	0.83%	-0.02%	-0.10%	3.70%	18.44%	-10.93%	9.33%	0.46%	5.17%	-0.13%	-3.24%	1.55%				0.22%	<-Median->	10	Change
Difference Basic/Outstanding	8.54%	-0.88%	-1.11%	-1.72%	-0.50%	2.56%	-13.76%	-0.11%	-0.01%	1.04%	-2.87%	-2.62%	-3.11%	-4.58%				-1.11%	<-Median->	10	Difference Basic/Outstanding
														-$573.15	<-12 mths	32.93%
# of Share in Millions	13.289	13.330	13.411	13.325	13.476	14.405	14.346	14.801	16.199	16.445	16.625	16.646	16.026	16.026	16.026	16.026		1.80%	<-IRR #YR->	10	Shares	19.50%
Change	11.30%	0.31%	0.61%	-0.64%	1.13%	6.89%	-0.41%	3.17%	9.45%	1.52%	1.09%	0.13%	-3.72%	0.00%	0.00%	0.00%		1.60%	<-IRR #YR->	5	Shares	8.28%
Cash Flow from Operations $M	$18.8	-$6.9	-$18	$18	$179	-$212	-$156	$74	-$79	-$506	-$473	-$469	-$855	-$573	<-12 mths			-4616.43%	<-Total Growth	10	Cash Flow
Increase	-67.61%	-136.86%	-160.94%	197.24%	918.22%	-217.92%	26.32%	147.74%	-206.00%	-541.37%	6.46%	0.80%	-82.05%	32.93%	<-12 mths			Why increase	decrease
5 year Running Average	$28.5	$24.0	$18	$14	$38	-$8	-$38	-$19	-$38	-$176	-$228	-$291	-$476	-$575	<-12 mths			-2695.41%	<-Total Growth	10	CF 5 Yr Running
CFPS	$1.42	-$0.52	-$1.35	$1.32	$13.31	-$14.69	-$10.86	$5.03	-$4.87	-$30.76	-$28.46	-$28.20	-$53.33	-$35.76	<-12 mths			-3846.84%	<-Total Growth	10	Cash Flow per Share
Increase	-70.90%	-136.75%	-159.37%	197.86%	906.81%	-210.31%	26.02%	146.27%	-196.85%	-531.78%	7.47%	0.92%	-89.09%	32.93%	<-12 mths			47.01%	<-IRR #YR->	10	Cash Flow	-4616.43%
5 year Running Average	$2.40	$2.00	$1.56	$1.15	$2.84	-$0.38	-$2.45	-$1.18	-$2.42	-$11.23	-$13.99	-$17.45	-$29.12	-$35.30	<-12 mths			#NUM!	<-IRR #YR->	5	Cash Flow	-1248.49%
P/CF on Med Price	9.38	-39.41	-14.11	16.00	2.30	-2.90	-5.13	12.23	-31.95	-4.49	-4.44	-6.32	-3.12	-2.34	<-12 mths			44.42%	<-IRR #YR->	10	Cash Flow per Share	-3846.84%
P/CF on Closing Price	12.20	-38.51	-14.03	18.45	2.79	-2.44	-6.40	19.22	-36.81	-3.46	-5.55	-5.91	-2.46	-1.12	<-12 mths			#NUM!	<-IRR #YR->	5	Cash Flow per Share	-1160.71%
															-70.31%	Diff M/C		#NUM!	<-IRR #YR->	10	CFPS 5 yr Running	-1087.14%
														$1,049.39	<-12 mths	4.94%
Excl.Working Capital CF	$64.0	$102.6	$141.1	$120.8	-$15.6	$441.9	$468.2	$265.7	$485.2	$1,055.7	$1,148.5	$1,304.9	$1,854.6	$0.0	<-12 mths			89.96%	<-IRR #YR->	5	CFPS 5 yr Running	-2373.18%
CF fr Op $M WC	$82.8	$95.6	$123.0	$138.5	$163.8	$230.3	$312.3	$340.1	$406.3	$549.8	$675.3	$835.4	$1,000.0	$1,049.4	<-12 mths			712.86%	<-Total Growth	10	Cash Flow less WC
Increase	18.19%	15.50%	28.63%	12.55%	18.28%	40.66%	35.58%	8.91%	19.47%	35.30%	22.83%	23.71%	19.70%	4.94%	<-12 mths			23.31%	<-IRR #YR->	10	Cash Flow less WC	712.86%
5 year Running Average	$70.9	$76.9	$88.8	$102.0	$120.7	$150.2	$193.6	$237.0	$290.6	$367.8	$456.8	$561.4	$693.4	$822.0	<-12 mths			24.07%	<-IRR #YR->	5	Cash Flow less WC	194.00%
CFPS Excl. WC	$6.23	$7.17	$9.17	$10.39	$12.15	$15.99	$21.77	$22.98	$25.08	$33.43	$40.62	$50.19	$62.40	$65.48	<-12 mths			22.82%	<-IRR #YR->	10	CF less WC 5 Yr Run	258.18%
Increase	6.19%	15.14%	27.85%	13.27%	16.95%	31.59%	36.13%	5.56%	9.16%	33.27%	21.50%	23.56%	24.33%	4.94%	<-12 mths			23.95%	<-IRR #YR->	5	CF less WC 5 Yr Run	192.56%
5 year Running Average	$5.97	$6.15	$6.91	$7.77	$9.02	$10.98	$13.90	$16.66	$19.60	$23.85	$28.78	$34.46	$42.34	$50.42	<-12 mths			21.13%	<-IRR #YR->	10	CFPS - Less WC	580.22%
P/CF on Median Price	2.13	2.86	2.08	2.04	2.52	2.67	2.56	2.68	6.20	4.13	3.11	3.55	2.66	1.28	<-12 mths			22.11%	<-IRR #YR->	5	CFPS - Less WC	171.52%
P/CF on Closing Price	2.78	2.80	2.07	2.35	3.06	2.24	3.19	4.21	7.14	3.18	3.89	3.32	2.10	0.61	<-12 mths			19.88%	<-IRR #YR->	10	CFPS 5 yr Running	204.74%
*Operational Cash Flow.			CF/-WC	P/CF Med	10 yr	-3.78	5 yr	-4.49	P/CF Med	10 yr	2.67	5 yr	3.55		-77.07%	Diff M/C		20.51%	<-IRR #YR->	5	CFPS 5 yr Running	154.22%
			-13.4	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	16.0								Shares
								-14.8	0.0	0.0	0.0	0.0	16.0								Shares
			$18.1	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	-$854.6								Cash Flow
								-$74.4	$0.0	$0.0	$0.0	$0.0	-$854.6								Cash Flow
			$1.35	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	-$53.33								Cash Flow per Share
								-$5.03	$0.00	$0.00	$0.00	$0.00	-$53.33								Cash Flow per Share
			-$1.56	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	-$29.12								CFPS 5 yr Running
								$1.18	$0.00	$0.00	$0.00	$0.00	-$29.12								CFPS 5 yr Running
			-$123.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$1,000.0								Cash Flow less WC
								-$340.1	$0.0	$0.0	$0.0	$0.0	$1,000.0								Cash Flow less WC
			-$88.8	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$693.4								CF less WC 5 Yr Run
								-$237.0	$0.0	$0.0	$0.0	$0.0	$693.4								CF less WC 5 Yr Run
			-$9.17	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$62.40								CFPS - Less WC
								-$22.98	$0.00	$0.00	$0.00	$0.00	$62.40								CFPS - Less WC
			-$6.91	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$42.34								CFPS 5 yr Running
								-$16.66	$0.00	$0.00	$0.00	$0.00	$42.34								CFPS 5 yr Running
Net change in other operating assets	-$11.82	-$1.56	-$8.94	$14.85	$15.64	$1.85															Net change in other operating assets
Accts Rec							-$3.032	$8.703	-$1.834	-$4.866	-$5.065	-$11.676	$0.129
Prepaid Expenses							-$3.242	-$5.928	$5.785	-$0.316	-$1.128	-$0.026	$0.329
Accounts Pay, Accrued Liab							-$3.753	$4.296	$4.064	-$6.304	$20.115	$83.803	-$75.980
Income Taxes Payable							-$3.312	$9.710	$19.506	-$28.096	$28.533	-$0.124	-$112.792
Deferred Lease Inducements
Unearnted revenue							$2.080	$2.540	$0.732	$17.307	-$1.696	-$1.101	$5.356
Accrued inter							-$4.866	-$1.760	$4.973	$2.024	$2.716	$36.128	$19.530
Subtract Provisions
Net issuance of consumer loans receivable	-$52.15	-$101.02	-$132.20	-$135.69		-$405.827	-$415.069	-$246.824	-$484.817	-$1,000.62	-$1,161.87	-$1,386.71	-$1,667.80								Net issuance of consumer loans receivable
Lease assets						-$37.913	-$36.975	-$36.454	-$33.631	-$34.79	-$30.11	-$25.17	-$23.36								Lease assets
Sum	-$63.97	-$102.58	-$141.14	-$120.84	$15.64	-$441.89	-$468.169	-$265.717	-$485.222	-$1,055.660	-$1,148.509	-$1,304.873	-$1,854.585								Sum
Google	-$63.45	-$102.87	-$141.14	-$120.84	$16	-$442	-$468	-$266	-$485	-$1,056	-$1,149	-$1,305	-$1,855								Google
Difference	-$0.52	$0.29	$0.00	$0.00	-$0.36	$0	$0	$0	$0	$0	$0	$0	$0								Difference
TD	-$64	-$103	-$142	$15	$16
Difference	$0	$0	-$1	$136	$0
TD		-$103	-$142	$15	-$253
					TD as restated again		but so did Goeasy
OPM Ratio (exluding WC)	37.84%	36.90%	40.43%	39.84%	40.41%	45.51%	51.25%	52.09%	49.15%	53.94%	54.02%	54.84%	58.93%	65.96%				45.76%	<-Total Growth	10	OPM (excluding WC)
Increase	7.85%	-2.48%	9.56%	-1.45%	1.43%	12.60%	12.62%	1.65%	-5.65%	9.73%	0.16%	1.52%	7.46%	11.92%					Should increase		or be stable.
Diff from Median	-26.8%	-28.6%	-21.8%	-22.9%	-21.8%	-11.9%	-0.8%	0.8%	-4.9%	4.4%	4.5%	6.1%	14.1%	-333.9%				0.00	<-Median->	10	OPM
*Operational Profit Margin (CF/Revenue) Ratio									OPM	10 Yrs	51.67%	5 Yrs	54.02%					should be	zero, it is a		check on calculations
OPM Ratio	8.61%	-2.68%	-5.96%	5.07%	44.27%	-41.79%	-25.58%	11.40%	-9.54%	-49.63%	-37.86%	-30.82%	-50.37%	-36.02%				-745.76%	<-Total Growth	10	OPM
Increase	-70.44%	-131.13%	-122.25%	185.14%	773.19%	-194.40%	38.80%	144.56%	-183.71%	-420.18%	23.72%	18.59%	-63.43%	28.48%					Should increase		or be stable.
Diff from Median	-130.5%	-90.5%	-78.9%	-118.0%	-257.0%	48.2%	-9.3%	-140.4%	-66.2%	76.0%	34.2%	9.3%	78.6%	27.8%				0.00	<-Median->	10	OPM
*Operational Profit Margin (CF/Revenue) Ratio									OPM	10 Yrs	-28.20%	5 Yrs	-37.86%					should be	zero, it is a		check on calculations
														$267	<-12 mths	-31.36%
EBITDA	$30.6	$41.8	$56.7	$72.6	$98.4	$131.6	$195.8	$267.1	$438.9	$351.5	$529.3	$667.2	$389.5	$871.7				586.45%	<-Total Growth	10	EBITDA
Change	38.48%	36.64%	35.71%	27.99%	35.47%	33.80%	48.75%	36.43%	64.31%	-19.92%	50.58%	26.05%	-41.62%	123.80%				34.63%	<-Median->	10	Change
Margin	15.32%	19.11%	21.90%	23.87%	28.31%	32.48%	38.68%	43.84%	67.22%	42.52%	51.93%	53.37%	25.57%	51.37%				40.60%	<-Median->	10	Margin
														$72	<-12 mths	-61.67%
EBIT									$281.0	$332.4	$476.5	$609.7	$188.3	$238.3	$453.4	$557.6			<-Total Growth	4	EBIT
Change										18.29%	43.35%	27.95%	-69.12%	26.55%	90.26%	22.98%		23.12%	<-Median->	4	Change
Margin									43.04%	40.21%	46.75%	48.77%	12.36%	14.04%	28.50%	34.59%		43.04%	<-Median->	5	Margin
Term loans, Note Payable	$61.37	$119.84	$210.30	$263.29	$401.19	$650.48	$872.07	$924.66	$1,586.15	$2,229.26	$2,821.67	$3,629.80	$4,565.67	$4,742.63				2071.04%	<-Total Growth	10	Debt	Type
Change	54.94%	95.26%	75.48%	25.20%	52.37%	62.14%	34.07%	6.03%	71.54%	40.55%	26.57%	28.64%	25.78%	3.88%				31.35%	<-Median->	10	Change	Lg Term R
Debt/Market Cap Ratio	0.27	0.45	0.83	0.81	0.80	1.26	0.87	0.65	0.55	1.27	1.07	1.31	2.17	7.38				0.97	<-Median->	10	Debt/Market Cap Ratio	Intang/GW
Assets/Current Liabilities Ratio	6.64	25.52	17.21	14.48	14.37	18.90	7.99	22.54	27.13	49.97	36.83	25.84	43.87	73.15				24.19	<-Median->	10	Assets/Current Liab. Ratio	Liquidity
Debt to Cash Flow (Years)	3.26	-17.26	-11.61	14.94	2.24	-3.07	-5.59	12.43	-20.11	-4.41	-5.96	-7.73	-5.34	-8.27				-4.87	<-Median->	10	Debt to Cash Flow (Years)	Liq. + CF
																						Debt Ratio
Intangibles	$9.52	$11.01	$14.04	$35.62	$15.16	$14.58	$17.75	$25.24	$159.65	$138.80	$124.93	$110.98	$104.14	$103.91				641.75%	<-Total Growth	10	Intangibles	Leverage
Change	53.29%	15.56%	27.57%	153.72%	-57.43%	-3.84%	21.74%	42.23%	532.43%	-13.06%	-9.99%	-11.17%	-6.16%	-0.22%								D/E Ratio
Goodwill	$19.96	$19.96	$21.31	$21.31	$21.31	$21.31	$21.31	$21.31	$180.92	$180.92	$180.92	$180.92	$21.31	$21.31				0.00%	<-Total Growth	10	Goodwill
Change	0.00%	0.00%	6.75%	0.00%	0.00%	0.00%	0.00%	0.00%	749.01%	0.00%	0.00%	0.00%	-88.22%	0.00%
Total	$29.49	$30.97	$35.35	$56.93	$36.47	$35.89	$39.06	$46.55	$340.57	$319.73	$305.85	$291.90	$125.45	$125.22				254.89%	<-Total Growth	10	Total
Change	12.65%	5.03%	14.15%	61.05%	-35.94%	-1.60%	8.83%	19.19%	631.57%	-6.12%	-4.34%	-4.56%	-57.02%	-0.18%				-2.97%	<-Median->	10	Change
Intangible/Market Cap Ratio	0.13	0.12	0.14	0.18	0.07	0.07	0.04	0.03	0.12	0.18	0.12	0.11	0.06	0.19				0.09	<-Median->	10	Intangible/Market Cap Ratio
Current Assets	$115.2	$19.7	$26.8	$34.7	$127.3	$119.5	$384.8	$115.8	$131.3	$96.7	$184.8	$303.3	$204.2	$410.4				660.73%	<-Total Growth	10	Current Assets
Current Liabilities	$35.1	$12.5	$24.3	$34.8	$52.2	$55.8	$165.0	$66.6	$95.7	$66.1	$113.1	$201.0	$131.2	$79.6				439.70%	<-Total Growth	10	Current Liabilities
Liquidity Ratio	3.28	1.57	1.10	1.00	2.44	2.14	2.33	1.74	1.37	1.46	1.63	1.51	1.56	5.16				1.60	<-Median->	10	Ratio
Liq. with CF aft div	3.68	1.13	0.91	1.32	5.71	1.75	2.12	2.49	0.97	0.79	1.05	1.10	0.93	3.99				0.97	<-Median->	5	Ratio
Liq. CF re  Inv+Div	1.39	0.29	0.32	0.60	0.91	1.43	1.70	1.74	0.38	0.59	0.98	1.10	0.84	3.99				0.84	<-Median->	5	Ratio
Assets	$232.9	$319.5	$418.5	$503.1	$749.6	$1,055.7	$1,318.6	$1,501.9	$2,596.2	$3,302.9	$4,164.2	$5,194.5	$5,758.0	$5,821.7				1275.86%	<-Total Growth	10	Assets
Liabilities	$97.3	$165.5	$242.4	$307.0	$521.4	$754.1	$986.2	$1,058.4	$1,806.2	$2,433.2	$3,110.1	$3,993.5	$4,907.6	$5,020.4				1924.22%	<-Total Growth	10	Liabilities
Debt Ratio	2.39	1.93	1.73	1.64	1.44	1.40	1.34	1.42	1.44	1.36	1.34	1.30	1.17	1.16				1.38	<-Median->	10	Ratio
Estimates BVPS														$47.99	$52.32				Estimates		Estimates BVPS
Estimate Book Value														$769.1	$838.5				Estimates		Estimate Book Value
P/B Ratio (Close)														0.84	0.77				Estimates		P/B Ratio (Close)
Difference from 10 year median															-62.77%	Diff M/C			Estimates		Difference from 10 yr med.
Book Value	$135.6	$154.0	$176.1	$196.0	228.24	301.53	332.42	443.51	789.91	869.69	1054.08	1201.06	850.42	801.24				383.03%	<-Total Growth	10	Book Value
Convertible Debentures	$0.0	$0.0	$0.0	$0.0	3.22	3.22	3.22	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Book Value	$135.6	$154.0	$176.1	$196.0	$225.0	$298.3	$329.2	$443.5	$789.9	$869.7	$1,054.1	$1,201.1	$850.4	$801.2	$801.2	$801.2		383.03%	<-Total Growth	10	Book Value
Book Value per share	$10.21	$11.55	$13.13	$14.71	$16.70	$20.71	$22.95	$29.97	$48.76	$52.88	$63.40	$72.15	$53.07	$50.00	$50.00	$50.00		304.21%	<-Total Growth	10	Book Value per Share
Change	16.05%	13.17%	13.66%	12.06%	13.50%	24.02%	10.81%	30.58%	62.73%	8.45%	19.89%	13.80%	-26.46%	-5.78%	0.00%	0.00%		-59.73%	P/B Ratio		Current/Historical Median
P/B Ratio (Median)	1.30	1.78	1.45	1.44	1.84	2.06	2.43	2.05	3.19	2.61	1.99	2.47	3.13	1.67				1.99	P/B Ratio		Historical Median
P/B Ratio (Close)	1.70	1.74	1.44	1.66	2.22	1.73	3.03	3.23	3.68	2.01	2.49	2.31	2.47	0.80	0.80	0.80		14.99%	<-IRR #YR->	10	Book Value per Share	304.21%
Change	65.27%	2.46%	-16.88%	14.90%	34.14%	-22.36%	75.47%	6.42%	13.94%	-45.23%	23.85%	-7.32%	7.08%	-67.58%	0.00%	-0.50%		12.11%	<-IRR #YR->	5	Book Value per Share	77.09%
Leverage (A/BK)	1.72	2.07	2.38	2.57	3.33	3.54	4.01	3.39	3.29	3.80	3.95	4.32	6.77	7.27				3.95	<-Median->	5	A/BV
Debt/Equity Ratio	0.72	1.07	1.38	1.57	2.32	2.53	3.00	2.39	2.29	2.80	2.95	3.32	5.77	6.27				2.95	<-Median->	5	Debt/Eq Ratio
Shareholders' Equity (Assets less Liabilities)									P/BV	10 yr Med	2.24	5 yr Med	2.61		-64.26%	Diff M/C		2.38	Historical		Leverage (A/BK)
			-$13.13	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$53.07
								-$29.97	$0.00	$0.00	$0.00	$0.00	$53.07
Book Value as % of market value	59.00%	57.58%	69.28%	60.29%	44.95%	57.89%	32.99%	31.00%	27.21%	49.68%	40.11%	43.28%	40.42%	124.68%	124.68%	125.30%
														-$227	<-12 mths	-68.48%
Comprehensive Income	$14.63	$20.14	$24.00	$30.96	$35.39	$56.61	$59.01	$132.14	$258.79	$134.37	$235.40	$235.89	-$134.80					-661.59%	<-Total Growth	10	Comprehensive Income
Increase	33.30%	37.67%	19.21%	28.98%	14.32%	59.94%	4.25%	123.93%	95.85%	-48.08%	75.19%	0.21%	-157.14%					0.21%	<-Median->	5	Comprehensive Income
5 Yr Running Average	$9.43	$12.48	$15.91	$20.14	$25.02	$33.42	$41.19	$62.82	$108.39	$128.18	$163.94	$199.32	$145.93					#NUM!	<-IRR #YR->	10	Comprehensive Income	-661.59%
ROE	10.8%	13.1%	13.6%	15.8%	15.7%	19.0%	17.9%	29.8%	32.8%	15.5%	22.3%	19.6%	-15.9%					#NUM!	<-IRR #YR->	5	Comprehensive Income	-202.01%
5Yr Median	10.1%	10.4%	10.8%	13.1%	13.6%	15.7%	15.8%	17.9%	19.0%	19.0%	22.3%	22.3%	19.6%					24.81%	<-IRR #YR->	10	5 Yr Running Average	817.19%
% Difference from NI	3.13%	1.96%	1.16%	-0.29%	-2.05%	6.56%	33.06%	-3.20%	5.65%	-4.13%	-5.04%	-16.68%	24.43%					18.36%	<-IRR #YR->	5	5 Yr Running Average	132.29%
Median Values										Diff	5, 10 yr	-1.2%	-4.1%					19.6%	<-Median->	5	Return on Equity
			-$24.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	-$134.8
								-$132.1	$0.0	$0.0	$0.0	$0.0	-$134.8
			-$15.9	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$145.9
								-$62.8	$0.0	$0.0	$0.0	$0.0	$145.9
Current Liability Coverage Ratio	0.54	-0.55	-0.75	0.51	3.44	-3.79	-0.94	1.12	-0.82	-7.65	-4.19	-2.34	-6.51	-7.20							CFO / Current Liabilities
5 year Median	0.54	0.54	0.54	0.51	0.51	-0.55	-0.75	0.51	-0.82	-0.94	-0.94	-2.34	-4.19	-6.51				-4.19	<-Median->	5	Current Liability Cov Ratio
Asset Efficiency Ratio	0.08	-0.02	-0.04	0.04	0.24	-0.20	-0.12	0.05	-0.03	-0.15	-0.11	-0.09	-0.15	-0.10							CFO / Total Assets
5 year Median	11.5%	8.1%	8.1%	3.5%	3.5%	-2.2%	-4.3%	3.5%	-3.0%	-11.8%	-11.4%	-9.0%	-11.4%	-11.4%				-0.11	<-Median->	5	Return on Assets
Return on Assets ROA	6.09%	6.18%	5.67%	6.17%	4.82%	5.03%	3.36%	9.09%	9.43%	4.24%	5.95%	5.45%	-3.10%	-1.87%				Net	Income/Assets		Return on Assets
5Yr Median	5.82%	6.04%	6.04%	6.09%	6.09%	5.67%	5.03%	5.03%	5.03%	5.03%	5.95%	5.95%	5.45%	4.24%				5.5%	<-Median->	5	Asset Efficiency Ratio
Return on Equity ROE	10.46%	12.83%	13.48%	15.84%	16.06%	17.81%	13.47%	30.78%	31.01%	16.12%	23.52%	23.57%	-20.97%	-13.62%				Net Inc/	Shareholders' equity		Return on Equity
5Yr Median	9.85%	10.46%	10.53%	12.83%	13.48%	15.84%	15.84%	16.06%	17.81%	17.81%	23.52%	23.57%	23.52%	16.12%				23.5%	<-Median->	5	Return on Equity
														-$271	<-12 mths	-51.80%
Net Income	$14.18	$19.75	$23.73	$31.05	$36.13	$53.12	$44.35	$136.51	$244.94	$140.16	$247.90	$283.11	-$178.37	-$109.1	$55.8	$125.1		-851.73%	<-Total Growth	10	Net Income
Increase	28.26%	39.25%	20.15%	30.85%	16.37%	47.03%	-16.52%	207.80%	79.44%	-42.78%	76.87%	14.20%	-163.00%	38.84%	151.17%	124.07%		EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average	$9.3	$12.3	$16	$20	$25	$33	$38	$60	$103	$124	$163	$211	$148	$77	$60	$35		#NUM!	<-IRR #YR->	10	Net Income	-851.73%
Operating Cash Flow	$18.8	-$6.9	-$18.1	$17.6	$179.4	-$211.5	-$155.9	$74.4	-$78.9	-$505.9	-$473.2	-$469.4	-$854.6					#NUM!	<-IRR #YR->	5	Net Income	-230.67%
Investment Cash Flow	-$57.9	-$50.3	-$54.9	-$41.5	-$275.9	-$15.6	-$45.1	-$28.7	-$210.6	-$42.5	-$11.7	$3.5	-$22.2					25.14%	<-IRR #YR->	10	5 Yr Running Average	291.62%
Total Accruals	$53.2	$77.0	$96.8	$54.9	$132.7	$280.3	$245.3	$90.8	$534.5	$688.5	$732.9	$749.0	$698.4					19.62%	<-IRR #YR->	5	5 Yr Running Average	144.97%
Total Assets	$232.9	$319.5	$418.5	$503.1	$749.6	$1,055.7	$1,318.6	$1,501.9	$2,596.2	$3,302.9	$4,164.2	$5,194.5	$5,758.0						Balance Sheet		Assets
Accruals Ratio	22.85%	24.10%	23.12%	10.92%	17.70%	26.55%	18.61%	6.04%	20.59%	20.85%	17.60%	14.42%	12.13%					17.60%	<-Median->	5	Ratio
EPS/CF Ratio (WC)	0.18	0.20	0.18	0.21	0.21	0.22	0.19	0.38	0.58	0.25	0.36	0.32	0.00					0.24	<-Median->	10	EPS/CF Ratio
			-$23.7	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	-$178.4
								-$136.5	$0.0	$0.0	$0.0	$0.0	-$178.4
			-$15.7	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$147.5
								-$60.2	$0.0	$0.0	$0.0	$0.0	$147.5
Change in Close	91.80%	15.95%	-5.53%	28.76%	52.25%	-3.71%	94.44%	38.96%	85.42%	-40.60%	48.48%	5.47%	-21.25%	-69.46%	0.00%	-0.50%			Count	24	Years of data
up/down	down	down	down	down	down	down	down	down	down	down	down	down	down	down					Count	15	62.50%
Meet Prediction?			yes			Yes				Yes			Yes					% right	Count	4	26.67%
Financial Cash Flow	$36.7	$56.1	$83.3	$37.4	$181.0	$218.0	$147.2	$1.0	$298.9	$508.5	$566.9	$572.7	$781.9						C F Statement		Financial Cash Flow
Total Accruals	$16.5	$20.9	$13.5	$17.5	-$48.3	$62.3	$98.2	$89.8	$235.5	$180.0	$166.0	$176.3	-$83.5								Accruals
Accruals Ratio	7.08%	6.55%	3.23%	3.48%	-6.44%	5.90%	7.45%	5.98%	9.07%	5.45%	3.99%	3.39%	-1.45%					3.99%	<-Median->	5	Ratio
Cash	$2.3	$1.2	$11.4	$24.9	$109.4	$100.2	$44.3	$93.1	$102	$63	$145	$251	$153	$356							Cash
Cash per Share	$0.18	$0.09	$0.85	$1.87	$8.12	$6.96	$3.09	$6.29	$6.33	$3.81	$8.70	$15.10	$9.53	$22.23				$8.70	<-Median->	5	Cash per Share
Percentage of Stock Price	1.01%	0.44%	4.48%	7.67%	21.85%	19.44%	4.44%	6.50%	3.53%	3.58%	5.50%	9.06%	7.26%	55.43%				5.50%	<-Median->	5	% of Stock Price
Notes:
June 16, 2026.  Last estimates were for 2025, 2026, 2027 of $1672M, $1874M, $2056M Revenue, $17.84, $21.93, $25.61 AEPS, $15.89, $20.97 and 25.28 EPS,
$5.58, $6.47, $7.15 Dividends, $723.5M, $871.7M 2025/6 EBITDA, $78.94, $93.66, $113.30 BVPS, $263.5M, $350.4M, $414.5M Net Income.
June 7, 2025.  Last estimates were for 2024, 2025, 2026 of $1516M, $1721M, $1888M Revenue, $17.03, $20..31, $22.24 AEPS, $16.26, $19.79, $21.70 EPS,
$4.65, $5.34, $6.40 Dividends, $75.90, $91.20 $106.00 BVPS, $281M, $343M, $390M Net Income.
June 8, 2024.  Last estimates were for $1239M, $1422M, $1596M Revenue, $13.64, $16.31, $18.04 AEPS, $13.10, $15.30, $17.80 EPS, $3.82, $4.32, $5.00 Dividends,
$21.70, $21.70 2023/4 CFPS, $62.20, $74.20, $86.70 BVPS, $219M, $269M, $316M for Net Income.
June 8, 2024.  Last estimates were for 2023, 2024 and 2025 $1239M, $1422M, $1596M Revenue, $13.64, $16.31, $18.04 AEPS. $13.10, $15.30, $17.30 EPS,
$3.82, $4.32, $5.00 Dividends, $20M, $23M 2023/4 CFPS, $62.20, $74.20, $86.70 BVPS, $219M, $269M, $316M Net Income.
June 9, 2023.  Last estimates were for 2022, 2023 and 2024 of $994M, $1137M and $1283M for Revenue, $11.80, $14.57 and $17.29 for AEPS, $10.10, $14.20 and $17.00 for EPS,
$3.52, $4.12 and $4.81 for EPS, $17.80 and $21.70 2022/3 for CFPS, $52.40, $63.40 and $76.20 for BVPS amd $174M, $234M and $280M for Net Income.
June 11, 2022.  Last estimates were for 2021, 2022 and 2023 of $828M, $1015M and $1107M for Revenue, $13.70, 11.80 and 14.20 for EPS, $2.54, $3.12 and $3.62 for Dividends and $102M for Net Income for 2021.
June 6, 2021.  Last estimates were for 2020 and 2021 of $642M, $729M for Revenue, $5.07 and 7.56 for EPS, $1.66 $2.10 and $2.62 for Dividends for 2020 to 2022 and $91M and $102M for Net Income.
June 7, 2020.  Last estimates were for 2019 and 2020 of $604M, $698M for Revenue, $5.33 and $6.46 for EPS, -$3.85 for CFPS for 2019 and $82M and $99.5M for Net Income.
June 7, 2019.  Last estimates were for 2018, and 2019 of $483M and 555M for Revenue, $3.54, $4.85 and $6.01 for EPS for 2018, 2019 and 2020, $-6.41 and d-3.85 for CFPS and $51.3M for Net Income for 2018.
June 2, 2018.  Last estimates were for 2017, 2018 and 2019 pf $393M, $446M and $505M for Revenue, $2.81, $3.69 and $4.98 for EPS, $3.41 for CFPS for 2017, $38.9M and $51.3M for Net Income fo 2017 and 2018.
May 29, 2017.  Last estimates were for 2016 and 2017 of $351M and $401M for revenue, $2.34 and $3.17 for EPS, $1.00 and $3.41 for CFPS and $33.1M and $44.6M for Net Income.
September 1, 2015.  Company changed its name from Easyhome and TSX Symbol EH to Goeasy and Symbol GSY.
2016. Renames as goeasy
2003 Renamed as easyhome (TSX-EH)
1993 Went public on TSX, (TSX-RTO)
1990.  Founded as RTO Enterprises
Xbox one Console
SAMSUNG 58'' SMART LED TV
Easyfinancial
Pay 46% more in under 3.5 years
Sector:
Consumer Discretionary, Consumer
Misson Statement or closes thing I can find.
What I am looking for is a statement that the company wants to do well by their customers, employees, and community and and thereby earn shareholders a reasonable return.
For customers
For employees
For community
For investors
What should this stock accomplish?
Would I buy this company and Why.
I would not buy this company.  There are complains about this company charging interest rates around the legal limit which is 60%.  They may go over because of fees.
Also, there are comments about how much it charges for people to buy from them on the installment plan.
For example, their SAMSUNG 58'' 4K UHD TV is listed at $25 per months for 156 months.  This is $3900.00.  The Best Buy have it for $699.99. I check this online on June 09, 2020.
Why am I following this stock.
In April of 2016 Investment Reporter said to seek stocks with growing dividends from The Investment Reporter Key stock buys.
This is one stock that was named.  However, I would still rather invest in companies that are not in the business of charging very high interest rates.
Dividends
Dividends are paid in cycle 1, that is January, April, July and October.  Dividends are declared for shareholders of record one to two months in advance of payment.
For example, the dividend paid on January 4, 2005 was for shareholders of record of November 30.2004.
How they make their money.
Goeasy Ltd is a financial services company. The principal operating activities of the company include providing loans and other financial
services to consumers and leasing household products to consumers.   The company operates in two reportable segments: easyfinancial and easyhome.
Investment Reporter called it a dividend growth stock in the consumer goods sector.
This is not quite the same as pay day loans.  They are called installment loans.  But interest rates are very high. They are, in a nutshell, unsecured, high-interest, subprime, short-term loans.
All you can say about the interest rate is that it is below 60%, which is at the criminal rate.
See CBC article on this company at link below and another about easyhome.
http://www.cbc.ca/news/business/instalment-loans-the-new-high-interest-danger-for-consumers-1.2971067
http://www.cbc.ca/news/easyhome-pricing-not-transparent-marketplace-1.875939
Shares; '%, Value $M	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M			Shares	%, Val $M			Change
Date	2018	Jun 7	2019	Jun 7	2020	Jun 6	2021	Jun 11	2022	Jun 9	2023	Jun 8	2024	Jun 7	2025			Jun 16	2026
Ens, Patrick Ryan Doris														0.003	0.02%			0.004	0.02%			16.66%
CEO - Shares - Amount															$0.400				$0.143
Options - percentage														0.024	0.15%			0.147	0.92%			502.55%
Reuters Options Value															$3.196				$5.882
Rees, David Llewellyn														0.004	0.02%
CEO - Shares - Amount															$0.525
Options - percentage														0.037	0.23%
Reuters Options Value															$4.879
Mullins, Jason		0.069	0.48%	0.078	0.52%	0.088	0.54%	0.092	0.56%	0.101	0.60%	0.101	0.61%	0.073	0.45%						Ceased insider May 2026	-100.00%
CEO - Shares - Amount			$4.810		$7.493		$15.817		$9.812		$15.892		$16.875		$9.548
Options - percentage		0.169	1.18%	0.211	1.42%	0.051	0.31%	0.142	0.87%	0.129	0.78%	0.106	0.64%	0.006	0.03%							-100.00%
Reuters Options Value			$11.750		$20.348		$9.083		$15.161		$20.429		$17.641		$0.724
Wu, Felix																		0.000	0.00%			#DIV/0!
CFO - Shares - Amount																			$0.000
Options - percentage																		0.045	0.28%			#DIV/0!
Options - amount																			$1.808
Khouri, Halim (Hal)				0.018	0.12%	0.018	0.11%	0.018	0.11%	0.027	0.16%	0.035	0.21%	0.036	0.22%						Ceased insider Nov 2025	-100.00%
CFO - Shares - Amount					$1.742		$3.229		$1.918		$4.304		$5.800		$4.733
Options - percentage				0.063	0.43%	0.072	0.44%	0.769	4.68%	0.066	0.40%	0.036	0.21%	0.050	0.31%							-100.00%
Options - amount					$6.089		$12.881		$81.893		$10.479		$5.923		$6.608
Goertz, Steve	0.76%																				Ceased  insider July 2018
CFO - Shares - Amount	$3.921
Options - percentage	1.14%
Options - amount	$5.853
Ali Khan, Mir Farhan										0.003	0.02%	0.006	0.04%	0.007	0.04%			0.007	0.04%			7.67%
Officer - Shares - Amount											$0.522		$1.077		$0.872				$0.287
Options - percentage										0.027	0.16%	0.018	0.11%	0.023	0.14%			0.059	0.37%			160.89%
Options - amount											$4.296		$2.932		$2.993				$2.385
Appel, Jason	0.07%	0.015	0.10%	0.021	0.14%	0.024	0.15%	0.026	0.16%	0.032	0.19%	0.033	0.20%	0.034	0.21%			0.036	0.22%			4.80%
Officer - Shares - Amount	$0.376		$1.013		$2.014		$4.328		$2.750		$5.000		$5.474		$4.460				$1.428
Options - percentage	0.32%	0.053	0.37%	0.066	0.45%	0.060	0.37%	0.059	0.36%	0.000	0.00%	0.030	0.18%	0.034	0.21%			0.019	0.12%			-44.07%
Options - amount	$1.641		$3.660		$6.367		$10.702		$6.234		$0.000		$4.954		$4.521				$0.772
Appel, David Harry	0.67%	0.262	1.82%	0.257	1.73%	0.257	1.58%	0.269	1.63%	0.269	1.62%	0.269	1.61%	0.269	1.68%						Ceased insider May 2026	-100.00%
Director - Shares - Amount	$3.465		$18.191		$24.796		$45.978		$28.588		$42.448		$44.771		$35.259
Options - percentage	0.40%	0.062	0.43%	0.000	0.00%	0.069	0.43%	0.072	0.44%	0.076	0.46%	0.079	0.48%	0.083	0.52%							-100.00%
Options - amount	$2.066		$4.314		$0.000		$12.430		$7.618		$11.969		$13.209		$10.841
Basian, Karen														0.012	0.07%			0.012	0.07%			0.00%
Director - Shares - Amount															$1.575				$0.481
Options - percentage														0.035	0.22%			0.038	0.24%			10.81%
Options - amount															$4.544				$1.538
Morrison, Sean														0.004	0.03%			0.004	0.02%			-5.99%
Director - Shares - Amount															$0.548				$0.157
Options - percentage														0.019	0.12%			0.021	0.13%			13.86%
Options - amount															$2.459				$0.855
Ingram, David	3.34%	0.534	3.72%	0.527	3.56%	0.381	2.35%	0.381	2.32%	0.393	2.37%	0.360	2.16%	0.315	1.96%			0.315	1.96%		Was CEO, now director	0.00%
Chairman - Shares - Amount	$17.216		$37.155		$50.935		$68.230		$40.558		$62.177		$59.947		$41.302				$12.615		listed a CEO 2019
Options - percentage	3.17%	0.322	2.24%	0.864	5.84%	0.191	1.18%	0.140	0.85%	0.106	0.64%	0.119	0.71%	0.146	0.91%			0.170	1.06%		In 2020 Chairman	16.58%
Reuters Options Value	$16.311		$22.379		$83.490		$34.143		$14.857		$16.732		$19.758		$19.119				$6.808
Johnson, Donald Kenneth	20.84%	3.030	21.12%	3.030	20.47%	3.000	18.52%	2.985	18.15%	2.950	17.74%	2.939	17.66%	2.939	18.34%			2.744	17.12%			-6.63%
Chairman Emeritus- Shares - Amt	$107.403		$210.737		$292.850		$537.630		$317.753		$466.277		$489.961		$385.861				$110.034
Options - percentage	0.45%	0.071	0.49%	0.000	0.00%	0.079	0.49%	0.082	0.50%	0.086	0.52%	0.090	0.54%	0.093	0.58%			0.097	0.60%			3.77%
Options - amount	$2.342		$4.910		$0.000		$14.234		$8.709		$13.621		$14.982		$12.216				$3.872
Increase in O/S Shares	1.72%	0.192	1.33%	0.369	2.57%	0.246	1.66%	0.239	1.48%	0.025	0.15%	0.022	0.13%	0.172	1.03%			0.064	0.40%		Average	0.64%
Due to SO	$8.619		$6.868		$25.664		$23.776		$42.831		$2.661		$3.477		$28.674				$8.403
Book Value	$3.692		$3.402		$7.844		$8.191		$10.230		$1.096		$0.923		$12.816				$8.643
Insider Buying	-$0.212		-$8.565		-$1.626		-$0.342		-$2.457		-$0.127		-$0.125		-$1.166				-$0.160
Insider Selling	$3.581		$9.065		$7.081		$36.813		$3.823		$0.464		$8.994		$13.654				$5.903
Net Insider Selling	$3.369		$0.500		$5.455		$36.471		$1.366		$0.337		$8.869		$12.488				$5.743
Net Selling % of Market Cap	0.65%		0.05%		0.38%		1.26%		0.08%		0.01%		0.32%		0.59%				0.89%
Directors		7		7		9		9		10		10		10				11
Women	29%	2	29%	2	29%	3	33%	3	33%	3	30%	3	30%	3	30%			5	45%
Minorities	0%	0	0%	0	0%	0	0%	0	0%	3	30%	0	0%	0	0%			0	0%
Institutions/Holdings	24.43%	28	18.49%	20	19.18%	20	13.93%	20	15.65%	20	14.22%	20	12.39%	20	14.71%			20	9.45%
Total Shares Held	23.05%	2.661	18.55%	2.764	18.67%	2.286	15.45%	2.475	15.05%	2.349	14.13%	2.073	12.45%	2.364	14.75%			1.515	9.45%
Increase/Decrease 3 Mths	-4.11%	0.331	14.21%	0.250	9.95%	0.093	4.24%	-0.168	-6.36%	-0.186	-7.34%	-0.085	-3.92%	0.350	17.36%			0.329	27.69%
Starting No. of Shares		2.330		2.514		2.193		2.643		2.535		2.158		2.015				1.187
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